davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

Central credit services LLC XXXX XXXX, MO XXXX XXXX This collection agency is trying to collect {$380.00} from me. Now on my credit report. Please help me get this removed. XXXX XXXX has not legally informed me of this debt collection. I am Disputing XXXX  XXXX collections regarding unreturned equipment. I was forced out of my apartment after 14 1/2 years. I had one day to move my personal items out. I spoke to XXXX XXXX regarding stopping my service. They informed me to leave old equipment behind. It was obsolete and paid for after 13 yrs of having it, and that I would get a new mini box when I moved into my new location. The equipment was left behind in my old location, as advice by XXXX XXXX consultant. XXXX XXXX  can track this equipment if someone is using it. They informed me of this when I received a bill for {$380.00} then they told me there were going to investigate, but I never received a call back, either way, 2 months ago. Now they have submitted it to this collection agency. This charge is not legal, this is another way for XXXX XXXX to collect more money and rip people off. I have other people dealing with the same issue. They are scammers. Sincerely, XXXX XXXX
Consumer complaint received 2017-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Please see related complaint # XXXX. While I appreciate that XXXX responded to that complaint in a timely fashion they did not address my main complaint, why is any " unpaid interest '' occurring in my account if I pay the payment in full every month as I have through the history of the loan? I would like an explanation of why this continues to occur, as you can see from the attachment, as of today I have {$75.00} of unpaid interest despite paying my payment of {$530.00} in full as billed to me.
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tribal Lending Enterprise, Inc. (IL)

I received an email from Mountain Summit Financial about me being preapproved for a loan so I contacted them about getting a loan but at first they were trying to charge me way too much interest in the loan but then they agreed to a better price and I was supposed to be paying them two payments of XXXX. The first payment was due on XX/XX/2017 and the second payment was due on X/XX/2017, but today I was going to tell them they can just take the XXXX that is due on X/XX/2017. But, due to my surprise when I typed in their website publications popped up from the Better business Bureau and other government sites saying that Mountain Summit is not licensed to conduct payday loans or collect on them and that they are currently being investigated by the BBB. The Washington State Department of Financial Institutions urges consumers who have gotten payday loans from Mountain Summit Financial to contact the Federal Trade Commission to report identity theft because of the nature of the personal information that has been collected by this unlicensed company. Because according to them that have not right to issue payday loans or collect on them. So today on X/XX/2017 I contacted Mountain Summit Financial to ask them about these allegations and their current investigation and to get clarity on their situation because I currently have a loan with them and I do not know if my information is safe or if this loan is legal. However, they would not answer any of my questions and so I informed them that I would be contacting the BBB and the FTC to figure this out. In the case that they are not properly licensed or certified to conduct this type of business I want my loan to be forgiven and I want insurance that they will not use my information in any type of way.
Consumer complaint received 2017-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (NJ)

On XX/XX/XXXX I attempted to make a monthly car payment on the companies website. I received an error message that the payment could not be processed and to try again. I did, and received a confirmation number. Two days later I reviewed my bank account and discovered TWO payments had been processed for the monthly payment of {$460.00}. I immediately contacted the company ( United Auto Credit ). I was advised that the rep would open a request to have the funds returned, and that it would take 10-15 days. She stated the error may have been caused because the payment was made as the date shifted from the XXXX to the XXXX during the transaction because it was late at night. I waited a week and called again. The rep then tells me I have to submit documentation showing the double payment and then wait and additional 10 to 15 days. She also advised me to speed up the process I could contact my bank and list the payment as unauthorized. I did this the next day and the funds were returned to my account. The next morning, however, my bank contacted me and advised me that the XXXX was again withdrawn o n XXXX and listed a an " untimely return ''. I again contacted UAC and was told that I still had to submit forms for the return and that it would be mailed out in check form once cash management signed of on it, but I had to hurry because they only send checks out on the XXXX and the XXXX of each month. I called again today on XXXX and there is no update, each time I call, I am told the person I need to speak with is unavailable. These funds were crucial to paying my bills and it has caused me great financial hardship trying to replace these funds. I have also included a copy of the email sent to the supervisor I was told was in charge of resolving this matter, I still have yet to receive any response.
Consumer complaint received 2016-12-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I inadvertently discover that B of A has " misplaced '' my heloc payments on 4 different occasions. They were eventually " found '' after several months, however, the math in calculations is suspect i.e. when a payment was lost, I was charged interest and when the payment was found, I was charged interest again. 
I have been trying to resolve this problem for 2 months and all I get are promises from the " official '' at the branch office. I have a very documented journal of what has transpired, as well as bank statements proofing my concerns..
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow-up to a previous claim I made thru this site to JPM Chase regarding my mortgage loan # XXXX refinanced in XXXX. JPM Chase states that they indeed processed a HARP loan which was not stated originally. However, JPM Chase failed to adjust the loan rate to reflect the HARP rate at the time which was below 4 % not 5 % which is the rate I have been carrying on my loan. As stated previously, JPM Chase never disclosed to me that they were processing a HARP loan. It was only until after I read about this program years later that I enquired other lending institutions and then Chase themselves, if I could apply. I was told no but without further explanation. Also, last year, due to other issues I 'm dealing with that involve the ownership of mortgage notes, I questioned JPM associates about the ownership of my note. First they stated JPM did not sell its loans and confirmed that my note was with them. It was only until after I posted the claim thru the CFPB that JPM stated that it was with XXXX. I purchased my house in XX/XX/XXXXand my LTV was always positive. I had never defaulted on my loan nor I ever had higher debt than the equity on the house. I believe JPM incorrectly qualify me for a different loan because they had been incorrectly trying to charge me for a transaction on a credit card they never told me they had approved nor had sent me any card nor statements until months later. Their investigation department got involved and although I got the representative to effect a conference call with the vendor JPM was alluding they made the payment to, when the vendor was confirming that the account had been long paid off by XXXX, JPM associate cut me off from the call and never got back to me. A few months later after noticing that rates were lower, I applied to refinance my mortgage. However, Chase indicated that I did n't qualify for the posted rate. When I inquired why, they did n't provide much explanation but indicated that I could refinance it at 5 %. This was not much of a decrease from the existing rate at the time and in fact, the overall cost of the refinance turned out to me much higher than what I previously had. Only the monthly got lowered but the total debt increased tremendously, now I realize. This loan was not to my best interest. JPM Chase was quick to act on the refinance by sending me all docs via e-mail and getting a representative to my house to finalize the paperwork. At no time, did any party involved explained to me that I was signing for a HARP loan and what were the benefits or disadvantages. At the time, my job situation was not solid and any bit of reduction in expenses helped ; however, I see that JPM Chase only took advantage of the situation and did n't act to my best interest.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I received a delinquent notice for City property taxes on my condo on XXXX/XXXX/XXXX. PennyMac was supposed to have paid these taxes in XXXX. The city had added late fees and penalties to the total. I called PennyMac on the same day and they said the matter would be resolved. The taxes were due XXXX/XXXX/XXXX and I told this to PennyMac on XXXX. 

After calls on XXXX, XXXX, and XXXX, along with an email on XXXX, PennyMac still did not pay the taxes from escrow where there was enough money present to cover the amount. I have now paid the taxes myself and want PennyMac to reimburse the taxes from my escrow account and to also reimburse the late fees and processing fees from their funds.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

I opened the XXXX XXXX XXXX XXXX XXXX with Chase on XXXX XXXX XXXX. I had some trouble getting my cards, so the effective date that I started to use my card was XXXX XXXX XXXX, which is a couple of days after my replacement cards arrived. <P/>On XXXX XXXX XXXX, I paid the annual fee of {$95.00} and was hoping to take advantage of the promotion to earn XXXX bonus miles by spending {$3000.00} in the first three months. As this was a new card and its due date was different from my prior XXXX, I let the first payment date slip by accident. The first payment was due on XXXX XXXX XXXX. Therefore, I was charged interest and late fees for the first month the account was open. The total amounts of fees and interest are listed below. I also incurred additional fees and interest on XXXX XXXX XXXX. <P/>As for the promotion, I failed to meet my minimum requirement, so a large benefit from opening this new account was lost on XXXX XXXX, according to my discussion with the Chase representative on XXXX XXXX. In other words, I lost 21 days of the 90 days of the promotion by simply not having cards that I could use. When I called to see if this period could be extended, the Chase representative told me no. When I called back to cancel the card, the new Chase representative told me he could extend the time, but only until XXXX XXXX. Funny how things change when they think you are going to eliminate their opportunity to earn more fees. <P/>I 'm also disappointed that when I asked to cancel the card, all Chase representatives told me that they could not refund me any of my annual fee. Not sure how they can believe that they are entitled to the full amount of this ANNUAL fee as I only used the card for three months. XXXX XXXX has always returned the prorated portions of annual fees to me. I 'm confused as to why one of the largest banks in our country would not do the same. <P/>I am also willing to concede that the late fees and interest charges were ultimately my responsibility and understand that my actions caused them to be incurred. <P/>Here is a list of the fees I incurred while I held this card. <P/>Total Fees : {$150.00} - Effective Annual Rate on Total Purchases = 57 % - Effective Annual Rate on Average Balance = 140 % Total Interest : {$20.00} Total Fees & Interest : {$170.00} - Effective Annual Rate on Total Purchases = 64 % - Effective Annual Rate on Average Balance = 158 % Thank you in advance for your assistance with this matter.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received your letter in response to the Equifax dispute I initiated. Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer  reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers. Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it. Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

sent to BANK XXXX XXXX, XXXX Comenity Bank : Account XXXX was closed by me in XXXX XXXX within the 30 days given to do so, via a telephone call to the bank. Account XXXX was closed as the card is being discontinued and I received a XXXX XXXX XXXX to replace the XXXX XXXX XXXX I come to find the account was not closed till XXXX after I returned a statement explaining the account was closed. Simply sending the statement back with the words ACCOUNT IS CLOSED on the statement. I assume it was never closed when I initially called and closed the account in XXXX / XXXX XXXX to a XXXX XXXX XXXX representative @ XXXX When I log into my XXXX XXXX account online and it shows a {$0.00} balance for a card that was closed in XXXX XXXX ( see enclosed screen shot ) I assumed when looking at my account online my balance was {$0.00} as per your website never seeing a balance or additional charges. Why can I still log into a closed account from XXXX and not an account the bank shows me owing money? Also when I log in online should it not show me my latest account information not information from an account closed in XXXX? Really not sure whats going on at this point. So I can log into he bank and see info on an account thats closed but not and account that was closed in XXXX which according to the bank now has a {$250.00} balance. Then on XXXX XXXX XXXX I get a letter stating I owe {$210.00} for some type of membership fee ( but the card was closed in XXXX XXXX? ) per my phone call to the bank. Can you please make sure any account I have is closed and there is no balance on any accounts with Comenity Bank. I closed the account in XXXX XXXX to avoid the membership fee and somehow the card was never closed as requested. The card XXXX has not been used so no membership fee should be charged. I can not even log into Comenity Bank and view this fee and additional penalties and charges My online account takes me to the WRONG account information. When I visit : XXXX XXXX XXXX shows me {$0.00} balance evidently on a account # XXXX. Which apparently was an old closed account/card from XXXX. I can not log into any account XXXX. Thus I had no idea the account was not closed. I need to have access to current information in order to see that the bank has a error pertaining to my closed account. Thank you for taking care of this and I will need a letter stating the banks mistake and showing a {$0.00} balance. Thank you for your time and handling this. XXXX XXXX
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

My friend called in to One Main Financial in XXXX, NC to make a payment for me. The lady who took the call,,, XXXX XXXX ... went into detail about my account to my friend. I know this is a violation of my consumer rights. I called their corporate office and filed a complaint. Asking for some type of compensation be done to my account. After jerking me around for a month, I receive a letter from them saying that, no harm was done to me because of this phone call.
Consumer complaint received 2017-06-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NY)

Hello I am confused. I have already spoken with multiple parties about this company and I was already updated that I do not need to have any interaction with these people. I am being told very rude and out of line things that " I do n't know what I am talking about '' and a " XXXX XXXX '' cuts me off and does not listen to anything that I am saying. I did my research and made my phone calls. I should not be receiving any phone calls from this company. I do n't know where these people graduated from but my intelligence level ca n't be low neither can the rest of the companies that I have spoken to about these people. Stop calling my phone number. I do not owe your company anything. Thank You.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I opened online a Wells Fargo Every Day checking account that was offering a {$250.00} bonus for either making 10 debit card transactions or establishing a qualifying Direct Deposit of an accumulated {$500.00} or more within 60 days of account opening. I was instantly approved and received via-email a confirmation with the following data : Application Reference number : XXXX Status : Your application has been approved, and your new account is eligible to receive a bonus offer. I completed the 10 debit card transactions on XX/XX/XXXX. The bonus should have been deposited into the new checking account within 45 days after meeting the requirements. It has passed over a month after the 45 days waiting period and the bonus has not posted yet.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo denied me a credit card and lied about the reason for the denial. I have both a mortgage and second mortgage with Wells Fargo for over 13 years with never a missed or late payment. On or about XX/XX/XXXX, I visited https : //www.wellsfargo.com/ and saw an advertisement for a consumer credit card that offered {$200.00} in cash reward bonus with a minimum use qualifier. It also offered cash reward point accumulation of 1.5 % on all purchases.
I filled out the online application which really only asked for gross income and personal identifying information. I received a letter datedXX/XX/XXXX in which they stated they denied the credit card request based on the reason : " Credit references provided ca n't be verified ''. I gave them no specific credit reference in my application. Specifically, they state they are unable to get a credit report from XXXX for me. I called them shortly after receiving the letter and filed a verbal complaint. The call was escalated to a man in their " executive office ''. The basis of my complaint is that on their web site I can see my own FICO score, so it is obvious they not only can but have routinely pulled a credit report on me. I have excellent credit. I did state on the application that all of my income is sourced from retirement. I conjecture they denied credit because I am retired.  Regardless, whatever their reason is, it is not because they ca n't verify that I have excellent credit. I received a second letter dated XX/XX/XXXX in which they stated that after investigating themselves, they determined they have done nothing wrong. This is probably the second lie.