davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Intermediary Services llc (CA)

Received a number of calls from someone claiming to be from Nationwide Mediation services indicating they are an arbitration officers for a firm planning to file suit at the XXXX County court. They will not divulge the original creditor and have called various family members whom I have n't spoken to or seen in several years. They continue to call and when I return the call the number is either busy or does n't connect. I have received no mail or certified mailings or summons or have been served at my residence or business.
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I 'm with green tree and recently at XXXX. My last payment for the yr. Was due and payed on time how ever green tree also put XXXX XXXX payment on this statement as well but the math did not add up to, XXXX payments in the amount due box on the paper statement the payment for XX/XX/XXXX was on the statement for XX/XX/XXXX but on the far side of the statement were your eyes do n't look when your use to seeing the same thing all the time. i did not catch this until I received my mortgage bill for XXXX. I was hit with late fee 's and was basically made a fool of over the phone when I was told both my payments XX/XX/XXXX and XX/XX/XXXX were due on XXXX bill. And that basicl " it didnt matter if i missed a payment for XX/XX/XXXX. I have to pay them regardless if i recive a statement our not '' .the information I was told I needed to send for a request of all the info I wanted to inquire about, to resolve the issue I never received any info or a denied response with reason. I payed all dept. Due in full plus The Late fees. I 'm still being charged late fees I 've write on the statements and stated that the billing is wrong and all late fees from the incidents have been payed green tree will not fix there mistakes
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank is having their lawyers sue me over a debt that has numerous charges I do not reconise. The last three times I sent dispute letters to Capital One I do not get a response. The first letter had a lot of charges I was in dispute with the second and third had a few more. 

I am an identity theft victim and Capital One is failing to get information changed. I have stated numerous times I have many problems with what they say I owe. So they are lknowingly going after me while I am and always have been in full dispute of this debt with fraudulent charges still on it.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

A company I worked for had a business credit card account with XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XXXX without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to Experian correctly yet Experian has not updated and will not provide any response.
Consumer complaint received 2016-03-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

After several attempts to resolve a credit denial based on erroneous information I remain frustrated with the FCPB, XXXX, Citizens Bank, and XXXX XXXX stores so I am attempting yet again to correct this situation. 
1. XXXX XXXX stores employees are not trained in sales of financial products such as the Citizens Loans associated with the XXXX XXXX Upgrade Program. After discussing the situation with the manager of the XXXX XXXX XXXX on XXXX XXXX in XXXX PA he recognized the need for further training for XXXX employees as they were not providing customers with factual information regarding the financing associated with the upgrade program. He also admitted that the way the information was provided for credit checks did not give customers a way to ensure the employee was providing the correct information. All information with the exception of the social security number was input onto a handheld device by the employee so errors could easily occur. Moreover the customer did input the social security number but is unable to verify correct input as the numbers were all starred out to protect the customer. So XXXX is not describing the financial product correctly and input is easily erroneous. 
Denial by Citizens Bank was based on information from XXXX that is nowhere to be found on my XXXX credit report as none of the reasons ( garnishment, attachment, foreclosure, repossession, judgement or collection ) for denial provided have ever happened to me and do not appear on the credit report provided to me. 
Thus either XXXX is not providing me with my correct and valid credit report or Citizens Bank has given them incorrect information to run credit check or just refusing to admit to errors. 
Moreover XXXX does not provide a way to dispute this credit check because I did authorize it. But XXXX will not help with correcting the information provided to Citizens Bank. 
To sum up I am filing complaints against : 1. XXXX XXXX XXXX for failure to train employees is sales of financial products such as personal loans and allowing customers to verify the information provided as correct. 
2. Citizens Bank for refusing to investigate their errors in processing my application either with XXXX XXXX, Citizens One Employees or XXXX. 
3. XXXX refusal to investigate how Citizens One Bank was provided this erroneous information or provide me with the credit history that has the incorrect information for dispute. 
As of XXXX XXXX my XXXX Credit Score is excellent at XXXX with no public records ( garnishments, foreclosures, attachments, repossessions or attachments ) on the report. 

I have worked very diligently to keep my credit rating as excellent and I do not wish to have this error remain on my history. 
Thank You for your help with this matter. 
XXXX XXXX XXXX
Consumer complaint received 2016-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

In 2012 I received a loan from XXXX XXXX, my mom chose to make payments monthly to lower principal balance and would n't have to pay so much when I graduated. My mom paid XXXX and then at some point it became Navient. My mom had a fianancial hardship but ultimately could n't pay 2 months but at the end of those 2 months they were able to pay the full amount and even the next months amount, thinking she was completely up to date. Then we began receiving harassing phone calls from a man from XXXX saying I owed money and needed to pay now. He would yell and threaten to ruin my credit to my mom and myself. XXXX called my grandma saying that our full balance was over {$25000.00} but if we paid {$10000.00} it the loan would be satisfied. My grandma then called back a week later offering to pay that {$10000.00} amount, she took money from her retirement savings to be able to pay him, she was nervous because he offered no information that assured us that this was real and would n't come back later on saying we never payed. After putting her on hold repeatedly, they ultimately hung up on her, then said they no longer had the account. Now I remain in confusion because when I call Navient to ask them who I can properly pay to, they send me straight to XXXX without giving me a chance to speak with them. This has ruined not only my grandmothers credit but my own. I never expected it would be legal for any company to act like this and leave consumers in the dark.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (MO)

I am rebuilding credit following a chapter XXXX bankruptcy discharged in XXXX XXXX. I have limited new credit established and decided to apply for a Chase Freedom card on XXXX/XXXX/XXXX which was described to be the type of credit card good for those with previous credit challenges or need a second chance. I had not receive a response on the application after more than 30 days. I called Chase XXXX XXXX around XXXX/XXXX/XXXX to find out the status. I was told the application was denied and a letter was sent to me. I did n't receive it so I requested a copy to be mailed to me again. The representative said he would process my request. As of XXXX/XXXX/XXXX, I had not received the denial letter, following my request for a copy. I called again and asked to speak with a Lending Supervisor to express my concern. I finally received the denial letter dated XXXX/XXXX/XXXX which is over 60 days from the date of my application. Additionally the letter says I applied for the Chase Slate Visa XXXX credit card which is the incorrect product. I believe Chase did not handle my request within regulations regarding the product type and timing to send me a response on the credit decision.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (MO)

After submitting in writing in XXXX 2015 to XXXX to cancel services, they continued to charge my XXXX Credit card. We attempted to contact XXXX directly to reverse the charges and they were of no help. I contacted XXXX and XXXX investigated and returned the charge as unauthorized. Months later collection notices started coming directly from XXXX. I logged into my XXXX account on XXXX, their online account management system. In there, I discovered that every month after they were continuing to try and charge the account for the unauthorized charges plus additional charges and fees. On XXXX XXXX, 2015, a charge for {$450.00} slipped through XXXX filter. XXXX deemed this charge as unauthorized, as it was partially the charge they had previously rejected as unauthorized. Along with notifying XXXX of the unauthorized charges for cancelled services, I notified XXXX on that day that they made an attempt to collect unauthorized charges and asked yet again for them to zero out the account from these charges and close the account. After contacting them this time, and XXXX returning the charge, XXXX did XXXX the account out ; however, when I checked a month later, on XXXX XXXX, 2015, they had posted new charges to my account in late XXXX and again in XXXX. I again contacted them by email through XXXX disclosing once again these were disputed and unauthorized charges as I had cancelled back in XXXX 2015. Fortunately, XXXX did not allow the charges to go through, but XXXX was persistent and began the demand letters again. When I received the first collection notice from them this time, I found that they had cleared any messaging history between us from their system and provided no transaction history as was there for me to view prior to this new notice. Since XXXX was not allowing me to actually get charged, I did n't worry about it until I went through my mail today and had a collection notice from First Credit Services , Inc., attempting to collect the debt for these unauthorized charges. It is not a matter of not being able to pay this debt, it is a matter of the fact that the debt is fraudulent, not authorized by me, and yet contacting XXXX multiple times trying to resolve the issue, I could never get them to stop. I have wasted so much time dealing with this, it is not even funny. I am in the process of building a new house, and I will be damned if I allow a predatory service like this ruin my excellent credit and cause me increased interest charges due to hurting my credit. Not only should XXXX and First Credit Services write off the debt, they should be paying me for my wasted time.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

i have a student loan with NAVIENT, upon looking at my credit report i noticed i have 14 missed payments from NAVIENT. I recently called them up to set up a payment plan to get ahold of my student loans. It was expressed in the past that i had a rough time after graduating college so i was going to be unable to make payments. I was told that i would be able to put my account in Forbearance. it was explained that it is a period during which your monthly loan payments are temporarily suspended or reduced for a year. During this time i was trying to work, i did not have access to a phone, email barely had a place to live. When i finally got a part time job i was able to turn my pre paid phone on and i was contacted from NAVIENT, i put my account in forbearance for another year so i can get on my feet. The issue today is when having my account was in forbearance NAVIENT reported me to the credit bureau and stated i have missed 14 payments. This is inaccurate information. I recently called NAVIENT they stated they can not help me stating their records indicate they tried to contact me, i explained i had no means of communication, due to me not working i had no phone, also i was under the assumption i was good with my student loans since i was told my account was in forbearance. A representative from NAVIENT said " send a letter to the credit bureau attached with my credit report and dispute it '' that is all she could assist me in today. 

The fair outcome would be to take off the late payments that NAVIENT claim i missed. I currently work for the state and i am able to make my payments. I am up to date on my payments, enrolled in auto pay and i pay extra on my loans each month.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (MI)

I paid off a debt in XXXX 2009 to Midland Funding. I contacted them 20 days ago to get this cleared up. They had me pay for a debt ... not sure it was the same one, but I paid it. We then found out that the court house actually has a copy of the judgment being paid in 2009 but the release of judgment was never filed by Midland Funding nor its attorneys. Midland funding says this will take a minimum of 30 days to resolve. I am trying to get housing for my family and this is hindering us to do so. Midland funding says they will not speed up the process. This is not fair. This should have been completed in 2009. 

When I talk to them, they are unresponsive. I have read that the fair credit reporting act and that should protect me from this abuse. I am requesting Midland funding to expedite this request and reimburse us for the {$1300.00} paid XXXX/XXXX/2009. 

This being on my credit since 2009 has been detrimental to my family in not being able to obtain credit and housing. Please intervene and ask Midland Funding to expedite our request and not give the old standard line ... .it may take 30 days ( not longer than 90 ) To our family, this is not acceptable and we may lose the ability for housing if not completed within 15 days. I would appreciate your assistance.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (AL)

WellsFargo gouges their consumers by playing fast and loose with the dates when they close credit card billing cycles : they close the billing cycle earlier than they are supposed to thus not applying payments made on the last day of the business cycle towards the outstanding balance and therefore calculating higher monthly payments than they would otherwise have calculated had they closed the billing cycle on the day when they were supposed to. This gouges the customer twice : first, it calculates the minimum payment on the basis of a higher balance ; second, because they 've already calculated a minimum amount due the following month before the current billing cycle actually closed, they take the payment made on the last day of the billing cycle and apply it first towards paying this higher, fraudulently calculated payment, and only apply the remainder towards the balance. In addition, they never actually communicate when the billing cycles end to customers until after the fact. I had to call them and ask them to give me the last dates when I could make payments on my account. According to those days I should still have been able to apply a payment I made today towards the balance on my account but lo and behold, when I went online to make that payment ( I had planned to pay down {$1800.00} ) they had already calculated my minimum payment due next month. I called them about it again and now they are telling me that the business cycle ends not at midnight on the dates they had given me before but at XXXX am the day before. ( What?!?!?!? ). 
This has happened repeatedly with Wells Fargo, which is why I decided to call them and find out from them when exactly I could make my payments. They calculate interest on average on {$2000.00} more each month than they should, thereby costing me $ XXXX/month.
Consumer complaint received 2016-03-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (WA)

On XX/XX/2016 I went into my local Key Bank branch to withdraw {$4000.00}. I told the bank that I would like to deposit the cash into another account and provided the bank card of my partner, XXXX. The cashier called the bank manager over for an override authorization and he said, " before I can complete the transaction I need to know who XXXX is and why you are giving him money. '' I was shocked and asked why and was visibly offended by his question. His response - " I am just making sure you are making good choices with your money. '' I provided him with the information and after he entered his authorization and walked away I told the clerk that it felt very intrusive. Her response - " He is just looking after your best interest. '' As though I should be thankful that my bank is monitoring how I use my money. 
If I would have answered differently would I have been able to withdraw my own money? I felt extreme discrimination and can not understand how this autocratic behavior is acceptable at any bank in the US. The bank manager reviewed my account prior to asking me the question so I know he could see that I work for a premiere technology company and that I have significant accountability professionally. It was apparent to me that the only reason he felt I was not able to make " good choices with my money '' was because I was female. I assure you that I am very capable! 
I called customer service immediately upon returning home. After listening and empathizing, the agent told me there was nothing she could do since it had to do with client services. She said she could bring the topic up for discussion in a team meeting. She continued by saying the only way to file a complaint with Key Bank was to write a letter to a XXXX XXXX XXXX XXXX. There was no option for voice or electronic communication. 
I called trying to find client services and was directed back to the bank manager. I am starting to see why he felt so secure in the way he acted. 
I felt you were my last resort. Thank you for having a means to ensure Key Bank knows of the actions that are taking place in their bank.
Consumer complaint received 2016-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (GA)

In XXXX I received a letter stating " Green Tree Servicing LLC and DiTech Mortgage Corp will combine to form DiTech Financial LLC, known as ditech, a XXXX XXXX, effective XXXX XXXX, 2015. '' In XXXX 2015, DiTech sent me a notice of default. However, since XXXX 2015 I have been trying to provide the documents DiTech requested to approve a loan modification. It has taken DiTech almost 4 months to accept all of my documents and approve me for a loan modification. I have now been waiting over a month for DiTech Representaive XXXX XXXX XXXX to forward me an overnight envelope with the loan modification doccuments for me to sign.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CapitalOne Mortgage assumed our mortgage from XXXX. I have automatic deductions of mortgage payment from checking account. XXXX was sent back by CapitalOne and they do not give a reason but charged a late fee. On phone payment, the agent of CapitalOne gave a confirmation number of transaction yet never put it through. But, they charged another late fee. XXXX late fees for their mistakes and no accountability. On complaint, I am transferred from one agent to another and finally they say a special agent will call back. No return call ever received.