davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I moved from XXXX to XXXX switched my insurance and notified Wells Fargo of the new insurance information. Well Fargo neglected to update my current insurance information. Wells Fargo charged my loan for an insurance policy without contacting me. Once I realized what they did I contacted them and was told everything would be reversed. That was 4 months ago. They continue to hit me with late fees and finance charges. I even have a recorded conversation from XXXX/XXXX/XX/XX/2015 where she says she will reverse and nothing was done according to my XXXX statement
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I disputed the above file # XXXX ( 2 ) times in the last 60 days. The pay status is showing account 60 days past due, also shows 60 days late XX/XX/2015 and 30 days late XX/XX/2015. This account was paid on time and paid off. Each dispute Trans Union responded back to me Investigated and no change. Well the creditor ( XXXX XXXX XXXX XXXX ) sent me these 2 letters with apoligies and a {$25.00} gift card for the trouble and they instructed Trans Union to correct the account pay status as Paid/Closed and payment history XXXX XXXX and XXXX See attached documents. Trans Union has refused, and still reports false information.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

I checked my credit report with Experian before going to buy a car. I thought it was only XXXX dollar to check with the understanding that annual credit reports are free. They charged me a recurring {$21.00} fee. When I called they would only refund XXXX month. The Experian website is highly misleading and gets people checking their credit to inadvertently sign up for recurring credit monitoring charges.
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Dream Center Education Holdings (IL)

I am submitting a complaint today on XXXX/XXXX/15 due to the fact that I ambeing overcharged for my private loan which is a parent plus loan withXXXX XXXX. When I first visited with my parents on the campus todiscuss financials, we were told that the amount would not exceed {$20000.00}. I had come from a XXXX college called XXXX inXXXX, IL. I had received an associates there and was able totransfer XXXX credits to Argosy University in XXXX, IL. 
I still had a remaining XXXX credits to achieve my XXXX degree. 
We had decided that I was to attend school full-time. I also wasnotified on the news that Argosy University was being sued forover-charging students on their loans which has caused financialdistress among XXXX students including myself. I had receivedaround XXXX stipend checks which I returned back to the lender andchose not to keep them. I felt this was the best decision for me, because I did n't want to accrue anymore debt. When I had completedschool, I had received checks from XXXX XXXX and XXXX servicing. 
My federal loan balance was around {$9000.00} and my XXXX XXXXloan ended up being {$38000.00}. We were completely shocked overthese numbers because this was not what we were told. I have beenpaying the loans without a doubt, but will struggle. I have not been lateonce. I spoke to XXXX XXXX multiple times stating that it was difficultfor me to make payments, but were unable to help me. I told themI had made on -time payments and they could n't arrange anything. 
My concern is not the federal loan at this point, but the XXXX XXXX. 
I have attached XXXX documents which include history of my account onmy portal with Argosy University which show all the charges accruedand voids of my stipend checks. I have also included the tuition feeschedule to show what should have been charged per semester. Mygoal is to reduce my financial stress of my total loan of {$47000.00}. 
I believe my account history should be looked over very carefullywith hopes that I can lower my loan amount which is what Iwas promised from the counselor. I do n't believe this amount iscorrect and I am struggling making these payments due to myother accrued expenses elsewhere. The person I did speak with isXXXX XXXX with Argosy University. I do n't have a high enoughincome to support these payments. I have just graduated. 
XXXX XXXX which is led my the state, had revealed on the newsthe large amount of students being misled and overcharged forstudent loans and I believe I am one of them.
Consumer complaint received 2015-04-08
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NV)

I went to the US Bank on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. XXXX XXXX was the teller that I spoke to. She was very courteous and professional. The problem is I presented a check drawn on US Bank, made out to my business, with a signature guarantee from XXXX XXXX, and she refused to cash the check or make it into a cashier 's check. I have done this without a problem before. She was nice enough to call a supervisor but the refused to cash the check as well. XXXX did mention that the " in store '' locations have different rules than the " main branches '' and to try again tomorrow at a different US Bank.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

The pass XXXX years we have been dealing with the Lies we have been getting from Ocwen Loan Servicing, we Know are Bill of rights have been continually been violated! we have been sent a Loan Modifcation documents in the mail, and given instructions how to proceed with them .Then when we have filled out and faxed these loan doccuments as requested, Then when you are working whith them! Then Foreclosuer Action happen! So we never got a notice just at the the time we wher calling Ocwen tell us about sale date ,XX/XX/2015if you can please Help us? 
Thank you in advance, XXXX and XXXX XXXX XXXX, XXXXTo : Ocwen Loan ServicingFrom : XXXX and XXXX XXXXRe : Modification Loan Documents* * * * * * * * * * * * *Dear Sir or Madam : The attached documents are being sent via regular and certified mail to insure receipt of these vital documents. 
We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. 
Please be assured that we would like to be given the opportunity to continue in the Modification process. We feel we can be successful in fulfilling a new loan contract. Please review our documents and allow XXXX days to complete without the threat of losing our home, according to the Stimulus Program that President Obama brought forward to save our home. 
Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. 
Thank you in advance, XXXX and XXXX XXXXOriginal Sent Via CERTIFIED MAIL
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (MN)

Pioneer Credit Services obtained a debt in XXXX and sent notice to an address last reported by my credit report in XX/XX/XXXX. When I received the first notice from them postmarkedXXXX/XXXX to my current address ( as reported on my credit report starting XXXX ) it was a notice for XXXX and an opportunity to request a hearing. I contacted them immediately and asked for proof of debt. The requested for records, but threatened to continue to advance in garnishing my wages as the 30 day window after they obtained my debt, was the window I had for requesting validation. Had they not sent the notice of debt accrual to a known 4 year old address I would have responded requesting validation of debt within Pioneer Credit Services time frame. Now since they are threatening to garnish my wages, I have to request a hearing in court. I have filed disputes with the credit agencies.
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (FL)

I submitted a request for debt validation to CMRE Financial. The collection agency sent a computer generated form made to look like a billing statement. CMRE used improper documentation that was not generated by the original creditor to pose as debt validation.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I HAVE DISPUTED CERTAIN ITEMS ON MY CREDIT REPORT WITH EXPERIAN. I WAS TOLD THAT THEY HAVE THE RIGHT TO THEIR OWN DECISIONS AND WHAT MAKE MY WORD ANY GOOD. I ASK HOW DID THEY VERIFY THE VALDIATE OF THE BILL AND WAS TOLD THAT THEY DONT HAVE TO TELL ME NOTHING WHEN I ASK FOR A SUPERVISOR I WAS TOLD THAT THE ALL SUPERVISORS WERE IN A ALL DAY MEETING AND WILL CALL ME BACK WHICH THEY HAVENT. I ASK THE AGENT ON THE PHONE HIS NAME AND ID NUMBER SO I CAN REFER THIS CALL BACK TO HIM I WAS TOLD IT IS AGAINST THE LAW TO GIVE ME THAT INFORMATION. EVERY TIME I CALL THIS COMPANY I GET DIFFERENT DATES WHEN THIS DEBT IS TO FALL OFF OF MY CREDIT. THIS BILL IS OVER 10 YEARS OLD AND I TOLD EXPERIAN THAT THE COMPANY IS FALSIFYING THE DATES SO THEY CAN CONTINUE TO STAY ON MY CREDIT. I WAS TOLD THAT IT IS NOTHING THAT CAN BE DONE. i TOLD THEM THIS COMPANY XXXX IS A FRAUD AND THEY KEEP SELLING THIS BILL TO EACH OTHER.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (WA)

Hi, Discover is engaging in false advertisement and tricky practices, taking customer for a ride by using the XXXX XXXX XXXX % cash back promotion. They say that they will give 10 % cash back on purchases made by XXXX pay. Seeing this consumers like me go to the stores which accept apply pay. At the checkout the XXXX does not work as the card is getting declined. The merchant shows that similar apple pay transactions work fine with other credit card companies. This problem is only because of discover. Already since I have waited so long in line I go ahead with the purchase and pay using manual swipe of the card. Also at the same time I call discover customer service and they confirm that problem is with them. Also they agree that they will compensate the customer for the lost cash back bonus. On subsequent follow up they do not agree to credit the bonus as per the promotion and only apply 1 time courtesy bonus of XXXX % which is way less the XXXX % promotional bonus. This is completely unethical and cheating.
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (MI)

Have been recieving threatening and rude phone calls saying I owe money on a payday loan that I know nothing about. Said they would put criminal and civil charges on me if I did not cooperate and pay. I told the man I would not pay money until I received a notice in the mail in which I then have 30 days to decide what I want to do. He got very upset about me saying that and said he would add a request to get my license suspended on top of the criminal and civil charges. A few hours later I received a call from the number of the county clerks office and it was a man stating they had received paperwork on my case and I had 24 hours to work things out with cooper hoffman and klein or they would be serving me papers to appear in court. I then called the county clerks office and they told me they had not received anything and there are no males working in their office. Obviously it was a fake call. These people are low life scammers trying to take our hard earned money. They need real jobs instead of trying to take the money I worked my XXXX off for. XXXX.
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION (MS)

We refinanced our home loan and have been paying monthly on time. The mortgage company did n't end the original loan and they keep sending us default letters and are reporting it on our credit report that we are in default. We have called the mortgage company 4 times, every time we get a loan default letter. They keep telling us the same things that the computer is spitting out these letters and making excuses. We ca n't get the mortgage company to make the status of the past loan paid off like it should be, instead they are reporting it every month as defaulted. We have XXXX mortgages on our credit report, XXXX we are paying on and XXXX that we are in default and should have been paid off. They are hurting our credit score by reporting a loan we no longer have and that it is in default. We are afraid that they will start the process of repossession on this loan that we do n't have anymore. What can be done?
Consumer complaint received 2015-04-07
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Fay Servicing, LLC (FL)

GreetingsXXXX Company keeps trespassing on my private property. We are in court over the mortgage and they keep sending a " property preservation '' person to come on to the property yell at us and take pictures of my private XXXX ( which has nothing to do with the mortgage ), house and harass us. If they have any questions about the property being occupied they can contact my lawyer. 

XXXX of their property check people was a XXXX! I finally got the XXXX XXXX XXXX 's dept to issue him a trespass warning to stop him from coming on to the property. I have a portrait studio with parents and children that come here for sessions!!!!! 

They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Thank you for your time and attention, XXXX XXXX
Consumer complaint received 2015-06-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, California, CFPB Complaint No. : XXXX XXXX XXXX : Thank you for your response to the above referenced matter. I find that response to be rather dismissive, condescending and misleading. As Trustee of a Trust XXXX operates in a fiduciary capacity in regard to the beneficiaries of the Trust and is solely responsible for the actions and conduct of the Trust according to its provisions unless it is co Trustee with another entity or individual. To attempt to differentiate ownership between the Trust and the Trustee is patently misleading when you know that the Trustee controls all fot he actions of the trust regardless of the nature of the trust. 

I am requesting that you particularly and specifically clarify XXXX XXXX XXXX relationship to this transaction regarding the acquisition, maintenance and, subsequent disposition of title to this property. If I believe that you are intentionally attempting to mislead me I will commence proceedings with the Office of the Comptroller of the Currency and such other federal regulatory agencies as are appropriate. 

To indicate that XXXX XXXX was not involved with this matter in its individual capacity is to fail to state in just what capacity it was involved and is therefore intentionally deceitful. Do not trifle with me regarding this matter by providing half truths and half answers in an attempt to run me around in semantical circles. 

If XXXX was not the lender or servicer for this property, please state the name, address, loan number, amount and term of the loan, insurer of title and any other pertinent information regarding the lender and the same for each servicer of the lender 's loan, including the date of servicing. 

I am presently in contact with Chase regarding its involvement in this matter and it has already admitted to complicity and liability. I am seeking information regarding XXXX XXXX complicity in this matter on any level and would appreciate your full and unrestrained cooperation in that regard. 

I appreciate your time
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX and transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Consumer complaint received 2015-09-09
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

I transferred XXXX USD through JPM CHASE on XXXX XXXX to my personal savings account but the money isnt transferred and the status of the wire shows Successful.I am sending money through JPM CHASE for the last 3 years and never had any problem ... this is the first time i am facing this problem.
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

Issue # 1- JP Morgan Chase Bank filed a claims without my authorization, although on phone call, I clearly and repeatedly stated that I did not want a claim filed. This cause my XXXX bill to go unpaid and my account to be in suspension. When asked to send a letter to the merchant to exhort me and state that it was a bank error, they categorically declined my request by saying it is not bank protocol to send out letters to merchant of any sorts. 

Issue # 2- Same Chase Bank erroneously sent my water bill payment to my address. I called them to notify them of the error and they could not pinpoint how such error came about and suggested to put a stop payment on the check although the check was in my possession. I informed the representative with whom I was on the phone that I would report to the bank in the morning to return the check and get the funds back on my account. Upon my arrival, the director informed me that no such thing could be done because of the stop payment placed on the check. I had to wait 5 days for the process to take place before funds can reflect back on my account. Again, their action placed my water payment in delinquency status. Chase Bank, again failed to take action for their wrong doing and refused to honor me with a letter explaining the error committed by the bank.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I recently had my accountant go through my past statements, and we came upon XXXX charges that did not ring a bell. We could find no record of my having ever dealt with either company and upon a cursory investigation found that they were XXXX timeshare resale companies located XXXX. Because I had never heard of, or done business with these companies I filed a fraud claim with XXXX @ XXXX where I spoke with XXXX in the fraud dept. The companies in question were XXXX XXXX and XXXX XXXX going by the name of XXXX. The first charge was for XXXX on XXXX and the second was for XXXX on XXXX I explained that I did not know who these companies were, and did not make the charges in question. XXXX cancelled my existing card because they said it was being noted as a fraudulent charge and credited the charges back to my account on XXXX Today XXXX I received a phone message from XXXX stating that after looking at my statements they noticed some charges I had made while we were vacationing in Florida around the time of the first charge so they were assuming that I had made the charge and were making me responsible for XXXX charges. This is the most ridiculous thing I have ever heard, it is like saying I was in XXXX vacationing on XXXX so I therefore must be connected to the terrorists. I did not receive anything in writing from XXXX yet, only this vague and ridiculous message. If XXXX wants to investigate something why not investigate the fraudulent companies who charged my card without permission and I am sure did the same thing to others, this is the first complaint thatm XXXX has received regarding these companies? Highly unlikely! I will be calling back into Visa with my Attorney on the line with me this week, I just want the CFPB to know how XXXX is shirking its responsibility to consumers regarding the Federal Fair Credit and Billing Act. Because I was in a geographic area where these companies may or may not have been located, I am not going to accept XXXX 's word on that fact, my card company is going to try and make me responsible for charges that I never authorized or took part in? Absolutely unbelievable behavior, I am sure once this matter is settled in my favor I will never be a customer of XXXX ever again. Perhaps my information was stolen or compromised while we were on vacation, I do not know, but for XXXX to try and make me the bad guy is unconscionable. Someone at XXXX is either lazy or incompetent or both to make such a broad assumption with zero facts to support that position.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I pull my credit report from all three credit bureaus and noticed that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX-phone number XXXX XXXX XXXX reported a telecommunication account # XXXX from XXXX XXXX for {$1000.00} - all three credit report shows this account was open on XX/XX/XXXX balance date XX/XX/XXXX, although i disputed the account, it sat on my report until it dropped from all XXXX credit reporting bureaus aroung XX/XX/XXXX. Then XXXX XXXX sold the account to XXXX-XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX The add the account again to my credit report with experian on XX/XX/XXXX as a new account ( with partial accounty number XXXX for {$1000.00}. I disputed this twice already and fax my old credit report to the credit bureau and they still have not corrected this violation. 
EVEN IF A CREDIT COLLECTOR BUY AN OLD DEBT, THEY ARE REQUIRED TO REPORT THE ALLEGED ORIGINAL DELINQUENCY DATE NOT JUST MAKE ONE UP AND INTENTIONALLY SOIL SOMEONE CREDIT. i WAS DENIED CREDIT BECAUSE OF THIS COLLECTION ACTION AND WILL BE FORCE TO SPEAK WITH AN ATTORNEY IF THIS IS NOT CORRECTED.