davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Principal Group, LLC (MD)

I received a call from a NP Group claiming I have a unpaid loan from XX/XX/2011. All information they had from me was a mix up of data pulled from my past at incorrect moments in time. This is fraudulent. I will be filing a complaint and a police report. I can not locate the vendor online and the requested validation of debt information was never sent to me. This is consumer fraud.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (OR)

I had initially done a refinance to pay off my auto loan with wells fargo and the payoff check was sent on the XXXX of XXXX. Every time I called in to confirm if they had received my payment I was given the answer that they had not received anything. The payment actually was received on the XXXX of XXXX per a conversation I had with the Office of the President at Wells Fargo dealer services. The issue is, nothing was noted on my account that the payment had been received. They processed the check on the XXXX of XXXX however because I was given incorrect information every day up until the check processed, the title company that issued the check cancelled it and sent out another check based on the information that it had n't been received and therefore thinking it was lost in the mail. This would n't have happened if WF properly handled their accounts and at least notated a payment was received when they receive it. I was charged a late fee with was credited back however I was still responsible for the interest that accrued from the difference. Now the Title company has resent the payoff check and I have proof that it was received on the XXXX of XXXX Tracking number XXXX ( I attached a copy ) and it is now the XXXX of XXXX and I as of today the XXXX I am still getting told that nothing has been received. This is complete lack of accountability on Wells Fargos part to not even notate a payment receipt when they receive it. Because of this my account is now 32 days past due and my credit report has been adversely affected. Every time I call to inquire about it, I get different information. I am told it takes 5 days to process once received and I even had a rep confirm in the notes that I was told it takes 5 days to process. Now I am being told it takes 14plus days and one rep even told me it takes about a month. All the while My payment is sitting there and I am being treated as though I am a criminal with horrible attitutes from the reps that Im speaking with. I have satisfied my debt and because Wells Fargo does n't know how to handle accounts, they are scamming not only me but probably thousands of other people out of additional interest due to their horrible tactics. I had a case opened up with the office of the president on the XXXX of XXXX and still have yet to hear anything. I have n't been contacted or called to be notified of any progress. I left messages and still have no return call
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NH)

I 've been paying my loan with Navient since I graduated in 2009. I have n't missed a payment. My current balance is {$8600.00}. The original loan amount was {$9000.00}. How am I supposed to get ahead at that rate?
Consumer complaint received 2016-04-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (NV)

My credit report showed a collection agency, NCB Management Services, INC with a balance of {$6400.00} that belongs to my ex spouse 's loan from XXXX. The loan does not belong to me. My ex spouse, XXXX XXXX is solely responsible for repayment of this loan per my divorce decree. NCB Management has failed to provide me with any type of documentation or proof that this debt is mine. I did not get any type of letter or notice from NCB Management Services regarding the collection account nor did they give me 30 days to provide that this debt is NOT valid.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUNDING or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUNDING or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I have contacted Navient on several occasions to discuss the options for repayment of my loans. On each occasion my willingness has been met with opposition and very unpleasant experiences. Representatives have seemed unwilling to arrange a repayment plan that is reasonable or at the least, manageable. I have been required to complete income verification forms and have done so each time I am asked, only to be advised on a few of those occasions that my paperwork was not received. There seems to be a lack of organization on the part of this lender and a high level of resistance to assist account holders like myself, who are willing to enter into a repayment plan. I 've also contacted Navient to discuss the options for Public Service employees in regards to repayments plans as I am XXXX and have been for several years. When inquiring, I was more or less advised no such option existed although I had obtained information online advising such programs were.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

After Navient took over my loan from XXXX XXXX, I have tried numerous times to try to get my co-signer off my loan, but their requirements are so strict that it it almost impossible. Even when your a few days late the calls go into the night and on weekends also. When XXXX XXXX handled my loan there were times I needed a defer my payments and they would charge a XXXX dollar fee to delay payments for a short period. Finally, I have tried and so have my parents to try to get the payment amount reduced and have been met with opposition. " Can someone else help you pay, '' " What about your co-signer, '' " Can you make a payment with a credit card. '' All of those words I would hear back from them, and nothing be solved.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

This would be the second complaint I have against Chase in a one month period. There have been a total of 3 for the year and we are only in XXXX. 
I was considering signing my children up for an after-school program so I started filling out paperwork. There was miscommunication and they withdrew the registration fee ( XXXX ). I realized they took it and immediately called Chase. I had other things that would be coming out of the account and knew this would cause the account to go into the negative resulting in overdraft fees. The agent I spoke to advised me to call the merchant and have them refund the money. She also told me that once the fees were charged to the account to call and they would be able to reverse them. I told her they have told me I 'm no longer eligible for the courtesy fee reversals and she advised me that this was a different situation. That because of a merchant taking funds without authorization, it was not my fault the account would be negative. I asked her to write a note in the account since in the past I have been told one thing but then told that other person was wrong. That is the main problem I have been having with this bank in the past year. The agent assured me she was notate the account and there would not be an issue. 

Well ... there is an issue now. Chase refuses to refund the XXXX overdraft fees that I was charge because of this situation. They also told me nothing was notated in the account. So Chase gets away with charging me another XXXX over miscommunication with a merchant. The merchant took the funds on XXXX XXXX and refunded them on XXXX XXXX.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AR)

My husband and I have had a loan with chase for about 6 years. Over this time there has been times we could not make our payments. This last time they had us re-finance. We were not told there would be a {$9000.00} addition to our note. XX/XX/XXXX my principal balance was XXXX. When we requested the pay off amount XX/XX/XXXX it was $ XXXX..We have recently sold the house. When I called Chase to give them our new mailing address for the escrow I was informed there was n't any funds in the account & that I owed them {$8.00}. Even though on my statement from them for XX/XX/XXXX I show a total of XXXX They said they paid my homeowners insurance which was {$2100.00}. Now I can do the math and the math does n't add up. I have been requesting all the documents from Chase & they will not send me what I am asking for. Now when I go in online I get a error message. I have attached all the info to prove there is wrong doing & Fraud on Chase 's part. I can send you more info if you 'd like. No one can seem to answer any of my questions when I call & trying to get help is unheard of.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (FL)

I defaulted on a Chase credit card due to our business going bankrupt after the real estate crash and our failed economy. I have been trying for years to settle the debt but Chase has written off my debt but refuses to remove the judgement from my credit report and a low credit score is keeping me from recovering financially from this loss. Chase holds my first and second mortgage and will not allow me to refinance. Why do the banks get bailed out, get to write off the bad debt, and still ding my credit report every month and will not do anything to remove this judgement form my credit report. Where are my rights here? I want to settle but I can ; t but no one keeps them from still hurting me as a consumer. This is 6 years old now. The Chase Judgement is for {$9800.00}, case # XXXX filed XXXX XXXX, 2010. HELP!!!!
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC (OK)

THEY ARE CALLING MY NEWLY ISSUED WORK PHONE NUMBER ( LAND LINE ). I AM NOT THE PERSON THEY ARE LOOKING FOR. I HAVE ADVISED THEM OF THIS, AND ASKED THEM TO NOT CALL AGAIN, BUT THEY CONTINUE TO CALL 2-6 TIMES A DAY, PER MY CALLER ID. THEY HAVE CALLED ME A TOTAL OF 12 TIMES SINCE XX/XX/2017. I TOLD THEM TO STOP CALLING WHEN I ANSWERED THE FIRST CALL I EVER RECEIVED FROM THEM ON THE XXXX. THE PHONE # THEY ARE CALLING IS XXXX.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

There are XXXX pages of history, via the U.S. Dept. Of Education website, somewhat detailing the major railroading I 'm trying to decipher. 
In a nutshell, I borrowed less than {$25000.00} & owe close to {$80000.00}. 
Crazy how every deceptive practice employed by Sallie Mae has been embraced & accepted as fact, in reference to my student loan debt. 
It 's an atrocity & a sin how so many others, such as myself, struggled through affording a college education & are now employed members of society, but my student loans & the debts they 've accrued ruined any chance of my home ownership. 
As I see it now, it 's also dismal in the future.
Consumer complaint received 2016-11-16
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WESTERN UNION COMPANY, THE (NM)

I received an expired refund check with my name misspelled and wrong address from Paymap Inc. representing XXXX form agreement between Paymap Inc. and the Consumer Financial Protection Bureau ( CFPB ) Agreement for program fees paid between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Consent Order XXXX File No. XXXX. 

I was instructed to call XXXX and was directed to email XXXXXXXXXXXX for my refund concerns. The automatic reply was : The deadline has passed to request a reissued check. If you have any additional questions to call XXXX and not to reply to email. I called XXXX back and was directed to same process without resolution from customer service. 

Unable to get resolution, I went to search for expired check repayment policies from paymapredress.com website Commonly Asked Question : My check is expired/I lost my check. Can I request a new check to be be issued? Answer : Yes, please contact the XXXX XXXX Customer Service Center at XXXX. You can also request a reissued check by sending an email to XXXXXXXXXXXX. The website did not specify a deadline for check re-issuance which is not consistent with the e-mail reply I received. The solutions offered by Paymap were vague to have check re-issued to me, this is the reason why I had to file a complaint with CFPB to assist me with this reimbursement issue.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (DE)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Client is on Deed along with her mom and dad. There is a first mortgage that she is not listed as a note holder, there is a 2nd mortgage where she and her mom and dad are all XXXX listed as note holder. Mom and Dad have both passed away and daughter applied for a loan modification made 3 trial payments & was then advised that thy cld n't proceed with perm mod due to title issues. That was XX/XX/XXXX. We spent the whole year working on getting an assumption with a simultaneous loan modification. In XXXX a new trial mod was offered and an assumption package was sent as well as the closing documents for the loan to be transferred to the daughters name. Then in XXXX after making the 3 trial payments and all the paperwork being signed the lender transferred the loan without completing the permanent modification and closing the deal on her assumption even though thy had been sent everything and it had been verified through the lender that all required actions had been taken. Now the loan has been transferred and they are not honoring what the original lender started and should have finished. We are now after a year having to start from scratch all over again. Client had a tpa from mom prior to her passing and now XXXX is refusing to speak to her because she is not on the loan and there was no probate since she is the only heir and the property was already deeded to her. Her 2nd mortgage refused to modify the payment even though she had gotten a loan modification on the first and they have set a foreclosure hearing for XX/XX/XXXX. The tax value on the home is {$140000.00} however, it is in extreme need of repairs and she owes {$86000.00} on the first {$45000.00}. They denied her assistance due to negative cash flow. However, with the first mortgage payment reduced down to approximately {$350.00} if they adjusted the payment on the XXXX it would have been affordable.
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Russell W Richardson, Attorney at Law (TX)

DFC contacted my former sister-in-law several times claiming to be the Attorney General attempting to reach me. They told her that I had one hour to contact them or they would issue a judgement against me. When I contacted the Texas Attorney General, they had no knowledge of such activity. I contacted the number from which the calls were originally made and reached DFC Legal Services.
Consumer complaint received 2016-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WV)

I opened an account with citi called citi gold with the option to earn a promotion of XXXX XXXX miles. I emailed their customer service to verify I met the qualifications of the award and received 2 email stating that I did and when I should expect the award. That day has came and went and still no points.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION SHOWS COLLECTION ACCOUNT THAT BELONGS TO XXXX XXXX. I CALL THE BANK TO GET PROOF THAT ACCOUNT BELONGS TO ME AND THEY BOUNCE ME OFF TO SOME ONE MAN OPERATION WHERE YOU CAN ONLY LEAVE A MESSAGE. FINALLY MESSAGE GOT RETURNED, THEY SAID THEY SOLD IT TO ANOTHER COMPANY. I CALLED THAT COMPANY, AND THEY ARE BROKERS WHO SAID THAT WILL HAVE SOMEONE CALL ME BACK WHEN THEY WILL FIGURE OUT WHO THE NEW ACCOUNT OWNER WILL BE. IT ALL LOOKS LIKE A SCAM!! I ASKED XXXX TO GIVE ME PROOF OF ACCOUNT OWNERSHIP ( I SPOKE WITH XXXX ON XX/XX/2016 AROUND XXXX EST, CALLED AT XXXX XXXX XXXX, AND ASKED RECOVERY DEPT ) AND THEY REFUSED TO ASSIST. I SAID WILL COMPLAIN TO CFPB AND THEY DID NOT SEEM TO CARE AT ALL.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I have been trying for 5 years to get a modification thru wells fargo and have been unsuccessful. In XXXX a judge ordered that wells fargo had to either give me a re-mod or work out a payment arrangement for the arrears. Wells Fargo has refused to obey the order. I was also issued a stay on my property by the judge, but in XXXX the attorney for wells fargo attempted to sell my home a the sheriff sale. Since the property was not sold the deed went back to wells fargo. Luckily the sheriff caught this illegal act and took my home back from wells fargo and put the deed in my name. We filed a motion to enforce the judges order and since then they have answered the motion and also filed a motion to dissolve the stay. Not only did they not appeal the judges decision, but they refused to follow her ruling and then illegally attempted to sell my home. At this point I am waiting to go before the judge and do not know when that will happen. As of right now they are attempting to sell my home on XXXX XXXX, even tho i still legally have a stay on my property. The sheriff informed me that the attorney for wells fargo will be notified that the stay is still in place, but on the website it is still listed as for sale. I do not know what to do.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2015 I closed on a home using a conventional mortgage loan with Wells Fargo. My loan started reporting to credit bureaus that no payment information is available until XX/XX/2015 but reported as a conventional mortgage loan. Then it changed my conventional mortgage loan to reporting as a regular loan so it looks as if I have a huge personal loan out. This does n't show that I have variety of loans so it 's not benefiting me at all with my credit. I disputed the situation for the date of payments not showing correctly because there is proof and information that can be reported before XX/XX/2015 and also that my conventional loan is not reporting as such. Wells Fargo contacted me and I was told things were back correctly reporting and I would be sent updated report. I did n't receive an update of report. My credit report did for 30 days report my conventional mortgage correct but never did anything about accurately reporting my payment history information from the start which is XX/XX/2015. Then it went back to reporting partially incorrect ever since. It is a frustrating situation. I want to apply for a credit card but with things not correct with Wells Fargo reporting my credit I 'm not in the best situation to get the offers I may could obtain.