davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I am currently enrolled inschool, I was told that I had to begin paying my stident loans last XX/XX/XXXX. I am only making {$XXXX} a year and I can barely afford to stay afloat. I have asked for payments that I could afford they are charging me {$380.00} a month which is the lowest they were willing to go. I am barely living, I have askedd for other alternative, and they state I can pay interest only for {$310.00} a month and then my payments would go up after 18 months to over {$600.00} a year. They are n't taking all my debt into a coun and it is truly causing a financial strain to ake my payments each moth, I just feel that I am all out of options and stuck. Also when I advised of my hardship the rep just pulled my credit report without my knowledge and then just started getiing an attitude with me when I was only trying to work out an arrangement.
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (AZ)

I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company, how are they even in business?!
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NH)

On or about XX/XX/XXXX, Transworld Systems reported an unpaid debt from XXXX XXXX for {$71.00} to all XXXX credit bureaus. 

Despite writing and contacting this company asking proof of this debt, they have never provided such proof. 

XX/XX/XXXX, I spoke with XXXX XXXX and again ask for proof of the debt, as she did not want to provide me with the information, I asked to speak to a manager, but she kept me on hold for close to 20 minutes, only to hang up the phone on me. 

XX/XX/XXXX, I called and spoke to Manager, XXXX XXXX, who said that she would personally mail me proof of the debt. I gave her my mailing address and she re-assured me that she would send the information. 

As I did not hear from the company and because I was being denied a loan due this collection item, I decided to pay the bill, see attached. 

Although I paid the bill it is still being reported to all XXXX credit bureaus as a collection item. Upon contacting the company again, I was told that they do not remove collection items from any one 's credit report. 

I contacted the credit bureaus who informed me that this was incorrect and that the collection company simply needs to inform them that the collection item was paid in full and to delete it as a collection item. 

I have made several phone calls to this company and they have failed to assist me and this item still remains as a collection item on my credit bureau.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: OLD NATIONAL BANCORP (WA)

I have a mortgage on a house XXXX. When I moved back XXXX, I rented out the house. After being denied the pay that was due me and being fired when I filed a lawsuit to collect, and a tenant that did not pay, I could no longer afford to keep the house. I also had to put my primary residence on the market. I stopped paying the mortgage in Wisconsin and contacted the lender. I requested to do a deed in lieu of foreclosure. I was told that they would not accept that if I did not put the house on the market. I finally talked them into considering it, but they sent me as much paperwork to complete as if I were buying a house. I spoke to them again and said that I did n't have everything they wanted and they said that they would not consider the deed in lieu without it. Someone contacted me to potentially buy the house on a short sale so I contacted the bank again. Same paperwork and they would not consider it without an offer in hand. The potential buyer did not want to go through the formal offer process without knowing that the bank would consider it. I still can not pay the mortgage and they will still not accept a deed in lieu and are moving forward with foreclosure. I now need to deal with their attorneys. I can not use the XXXX Foreclosure Mediation Program because it requires you to be there in person and I can not afford the trip.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

Apparently there on my credit report looked at tonight on XXXX 2022 there is credit card JPMorgan credit card in my name mind u me and my father have same name I'm the XXXX he's the XXXX I am very upset that this is on my credit without my recollection and want to file fraud on this account would like to get it resolved
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS (MI)

I ordered a free clue report online to see what was going with my insurance score and credit report this website on Lexis Nexis indicated they follow all governmental policy and procedures so I ordered it from them. The website asked for all of my personal information along with social security information which I provided for my free report I entered everything in and the site redirected me to my account page to access my report but there was nothing there? I emailed support and the responded with the exact same steps I performed the first time and said my case was resolved?? I : E see quotations of response from the Lexis Nexis company ) -- & gt ; & gt ; & gt ; ( To view your search results please access the weblink https : //personalreports.lexisnexis.com. Log in to your account and click on 'My Account '. Under " Members area '' click on " My products '' and here you will find links to view or share your report. Click on View Report. 
Date Created : XXXX/XXXX/2016 XXXX Date Last Updated : XXXX/XXXX/2016 XXXX Status : Solved Please let us know if we can assist you further. 
Sincerely, LexisNexis, Customer Support ) And that was it I had tried calling the numbers provided only to find each operator said they had no ability to transfer me to the right department?? So I am now filing this complaint
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc (VA)

On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.
Consumer complaint received 2023-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Capital One Venture card telephoned to say my card was blocked but, other than to say there was an indication of possible attempted use by unauthorized user would not provide any information. I verified all outstanding charges. They still demanded I send them a photocopy of my Social Security card, proof of identity and proof of my address, and they would not accept telephone or on-online verification of my identity. I ( perhaps foolishly ) sent them copies of my Social Security card, passport and utility bill showing my address -- so now they are in a position to participate in identity theft should they not be completely honest. Nonetheless my account remains " restricted '' meaning I can not use the card or get any information from them online. I have filed an online complaint with Capital One and not received any response. Attempts to contact them by telephone result in very lengthy delays on hold and then a refusal by staff to provide any information or assistance, only evasiveness even when I speak with a supervisor. On XXXX XXXX, 2016, I wrote to them to close the account and credit the small rewards balance I have earned against the small outstanding balance on the account. Obviously it is too soon to have received a response.
Consumer complaint received 2017-02-19
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : US Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : CFPB Case Number XXXX ( Archived ) CFPB Case Number XXXX ( Disputed herein ) Illegal US Bank Business Practices Account numbers XXXX, XXXX, XXXX, XXXX To Whom it May Concern : I am writing to dispute the US Bank ( " the Bank '' ) response letter dated XX/XX/XXXX. On XX/XX/XXXX the Bank closed my credit card accounts and illegally seized my points without justification in violation of state law. 

1. The proposed settlement of {$480.00} represents a mere 50 % of the value of the seized Flexpoints, which are worth XXXX cents per point when redeemed for travel. 

2. The Bank violated XXXX Civil Code 1747.85 by closing the referenced accounts without prior notification. While the law does provide exceptions if the " cardholder is unable or unwilling to repay obligations, '' there is no evidence to support that claim. In fact, I have supporting documents which expressly contradict this claim and demonstrate the creditworthiness of the consumer at the time of closure. XXXX Civil Code supersedes the language found in the cardholder adhesion contract. Thus, the unilateral closure of accounts and seizure of points is without justification. 

I respectfully demand the reinstatement of all credit card accounts and the associated reward points. I intend to assert my rights until all accounts are restored or a more equitable settlement is offered. 

Thank you for your continued cooperation in this matter. 


Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

I had a mortgage with GMAC ( who is now bankrupt ) that was paid off XX/XX/2011. 
I sold my house a month ago and the title company wo n't release my money until the lien is taken care of. I have a letter from GMAC stating the loan is paid off and that they will notify the county offices from XX/XX/2011 but they never released the lien. I have talked to Ocwen who took over GMAC numerous times and even received a letter from them stating they do not have the authority to release my lien.
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (WV)

I called XXXX XXXX last XXXX XXXX with my ex husband present to get the bill out of my name since we were getting divorced. We called XXXX XXXX and spoke to a rep and told them that he was taking over the services since I was moving from the Residence. In XXXX XXXX I received a letter stating that I was sent to collections for unpaid debt to XXXX XXXX. I called XXXX and told them that I have n't lived at that residence since XXXX XXXX and that my ex husband and I called in XXXX to have services changed in his name and that this was not my responsibility it was his. The guy I spoke with told me that the notes noted on the account corresponded with what I was telling him and all I needed to do was write a letter stating what happened and when and that we put the services in his name and that he would be responsible for any payment. The bill was up to date when I left there. Then just this past Monday evening XXXX XXXX XXXX I received another letter in the mail saying that I was sent to another collection agency from XXXX XXXX. I called the Agency XXXX XXXX account # XXXX and spoke with XXXX and told them the same thing and that I submitted everything they told me to do back in XXXX and that we both called in XXXX to have the services put in his name. I was told that they could not help me and that I needed to contact dish so I did. I called dish at the # he provided XXXX. I spoke with XXXX first and he told me he was going to transfer me to the assistant president XXXX. XXXX told me that everything I said was noted and that I did change the billing information but the equipment was still in my name. XXXX had cancelled the services and has not returned the equipment. I told XXXX that I was not responsible for anything that we had called back in XXXX to have it put in his name. XXXX told me yes you did but you did not the equipment and that there was nothing he could do. I said I am not paying for something that I done exactly what I was supposed to do and that who would change just the billing info and not the equipment that was not right and why would they do people that way. He said that is how there company works and I said yes trying to mess people out of their money and that is not right. I told him that I could contact the XXXX Consumer Financial Protection bureau and the att ; General. He said that he still is not going to change anything because I threaten to go to them and I told him that was not threat I was going to especially since this has made my credit score drop. The reason I know my credit has drop is because I just applied for a loan to buy a house and my credit score was lower. The bank lender and I could not figure out why and then I received this letter, so that explained it. I work to hard for my money and my credit to have it ruined. I need this fixed and made right ASAP or told what I need to do to get it done. Please contact me at XXXX or XXXX and let me know. Thank you for you time.
Consumer complaint received 2017-02-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I and my wife have a checking account and safe deposit boxes with Wells Fargo ( Crown Checking ) for the past several years. I and my wife have created a living trust for which we are both the trustees. We wanted to transfer our checking account and our safe deposit boxes to the name of the trust. The bank has refused to transfer either the checking account or the safe deposit boxes to the trust. They are asking us to open new accounts. With the new checking account, we do not get the same benefits that we are currently getting on our grandfathered checking account. Also, on the safe deposit boxes, we have been asked to forfeit the remaining terms of the boxes and open new ones. it appears that the bank is cheating us out of current benefits we get on our checking account since they are willing to open new accounts for the trust but unwilling to transfer the existing account to the trust name. All my other banks, mortgage companies, etc have been able to transfer account without any problems. 

I have also requested the bank to give me a written explanation for not being able to transfer the account to a trust account. However, i am being told that it will take them about 60 days to provide a response and the representative is not even sure what the response would be. This seems to be unfair.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Back in 2008 I purchased a Cooperative. I recall the lender telling me that interest rates for coop are higher than for a condo ( fee simple ). Is this true? Back then I had a great FICO score but there was nothing I thought I could do to refute what she told me.
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Navient will leave an automated voicemail that they are trying to reach the borrower and need to speak to them about their loan. When you call back to the number they leave it is not being answered in the proper department. Navient has also indicated that payments were not made on certain accounts until I inform them that I have a confirmation number and the money has been removed from my account, then they magically find that the payment was made ( sometimes on the same day ). Until an argument took place I had no knowledge that Navient had a private loan side and a federal loan side. Whenever, I call in they are automatically sending my calls to one or the other side but not necessarily the correct side. I am getting information from people that the loan is current and then others are saying it will be reported to collections. It is frustrating because until reaching out to XXXX I was unaware of a national database that existed which one of my loans did not even appear on. However, that did not stop Navient from trying to collect after a 4 month delinquency that I had no idea even existed since I had consolidated to the Loan Forgiveness Program and was making payments and was current. Then Navient contacts me about a loan AFTER it was already delinquent. When I inquired to where this loan had been and why it did not transfer over when requested ( two years earlier ), they could only tell me it was in an administrative hold and it would need to be researched because they could not even tell who made the hold request. The lack of professionalism and knowledge of what is going on with accounts in Navient 's custody is pure disgust. NAVIENT SHOULD BE PUT OUT OF BUSINESS.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

This complaint is for Wells Fargo Bank only to respond to and not for XXXX XXXX XXXX or any other company that is affiliated with XXXX Loan Trust XXXX! 
On XXXX XXXX XXXX, I received a letter from Wells Fargo Corporate Trust Services dated XXXX XXXX XXXX. The third paragraph states ; after researching this matter further, we have verified that Wells Fargo Bank is not the investor nor does it have a direct role in servicing your current loan. Wells Fargo further stated that Wells Fargo Bank N.A acts as the master servicer for the securitization which holds your current loan. In securitizations for which we act as master servicer, the servicer works directly with the home owner. Now ; the definition of master servicer is ; an entity that acts on behalf of a trustee for security holder 's benefit in collecting funds from a borrower, advancing funds in the event of delinquencies and in the event of default taking the property through foreclosure. Now ; since Wells Fargo Bank acts on behalf of a trustee and is the master servicer for our loan which is located in XXXX Loan Trust XXXX, then Wells Fargo Bank would be able to answer the following questions. 
First, who was the investor that received the trust certificate when placing our residential mortgage loan into this pool of trust XXXX XXXX XXXX XXXX XXXX XXXX? 
Second, what date did the investor place this asset into the pool of trust XXXX XXXX XXXX XXXX XXXX? 
Third, who is the current investor of our note/trust certificate holder? Do not say that the trust owns our note ; I know that there is an investor and a trust certificate that was issued by the trustee at the time that the asset was placed into the pool of trust! 
Fourth ; Wells Fargo Bank sent us a letter dated XXXX XXXX XXXX which states ; Wells Fargo is the investor of the loan. On XXXX XXXX XXXX, Wells Fargo Bank believed that they were the current investor of our loan as they did on XXXX XXXX XXXX per the documents that they provided. Did Wells Fargo Bank participate in foreclosing on our loan/property on XXXX XXXX XXXX? 
Fifth ; if Wells Fargo Bank did not participate with the foreclosure process, then which company did initiate the foreclosure process on XXXX XXXX XXXX? 
Sixth ; is Wells Fargo Bank aware that fraud and robo-signing has occurred within our note/residential backed securities which is located inside XXXX XXXX? 
XXXX ; please answer all questions and provide documentation for each question asked! 
Wells Fargo Bank must comply with our requests or face more complaints against Wells Fargo Bank with federal agencies, along with the media, social media and internet!
Consumer complaint received 2016-06-02
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

Hello There, Commercial Loan Office From Rabo Bank Had Contacted Me Her Name Is XXXX XXXX To Refinance My Commercial Property, She Made All Kind Of Promisses Of Course Not A Single One Came Through. 
( 1 ) Loan Amount {$240000.00} ( 2 ) Closing Cost {$1500.00} She ordered The Apprasail {$730.00} I Paid For And Volunteerly Sent Me A Copy Of The Report Witch I 've Never Asked For. XXXX Called And Told Me Oh I Have Thee Best News You Have The Value And We Are moving Forward, Two Days Later She Calls And Said Oh We Only Can Do {$150000.00} NOT {$240000.00} I Go Why She Goes Just Because I Said No Just Return My {$730.00} Appraisal Fee I Have The Value I Have The Credit Its Your Problem Not mine. 

Her Manger Steped in XXXX XXXX And Said If I Move Forward With The Transaction They Will Credit Me The {$730.00} I Said Ok. 

I Was Contact By The Escrow office To Set Up A Signing Appointmet, I Asked Her About All the Term Of the Loan Come to Find Out That I Would Have A 5 years Witch No One Had Disclosed that To Me.