davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

I received the loan repayment information in the mail stating that I needed to begin repaying the Parent Plus Loans my daughter used to go to college on. I told them that I could not make those payment at this time due to my financial hardship I was going through. The told me that they could offer me a foreberance on the loan until I can make the payments. I ask what was that, and they explained to me that I would not have to pay right now and I would be allowed to take a break from making payments I said OK but I was not told that the interest was going to continue to pile up against my loan. The loan was for {$40000.00} and now I believe it had grown to over {$100000.00} with the tacked on interest that is now due. I do n't think that was fair to me for them to pile that interest on me without offering me something else.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (IL)

Stonegate Mortgage claimed that we did not have appropriate insurance ( although we do ) and placed a grossly overpriced penalty insurance policy on our account, took all the money from our escrow account, and promptly sold loan servicing rights. We have electronic email records showing how many times we tried contacting them, and they did not respond a single time. My family has been defrauded by Stonegate.
Consumer complaint received 2016-06-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (VA)

Ford Motor Credit is attempting to charge me a {$100.00} fee for a " speeding ticket '' on my vehicle. Ford notified me of the ticket at some point in XXXX 2016, and I proceeded to immediately contest the ticket. About 30 days afterwards, I find the fee of {$100.00} on my account. I called Ford and notified them that it was my intention to contest the ticket and that by them having paid it, they are precluding me from being able to continue with the contestment. After waiting for over 8 days for a supervisor to contact me, I had to call back and managed to speak to XXXX XXXX from the XXXX Department ( I later called Ford Motor Company and they informed me that there was no one with that last name and that it was possible that XXXX gave me a false last name ) who was very disrespectful, called me a liar, and told me that he will not remove the fee. I told XXXX XXXX that I will look at terminating the lease because of this and that I would be filing a claim and mentioning him by name, he stated " Go ahead and do it, I 'm writing it down. '' I have never been so disrespected when dealing with another company and I want the fee removed. I followed the instructions on the letter to call the jurisdiction to contest the ticket and Ford proceeded to pay the ticket and attempt to charge me for it. The letter contained a typo which confused me and even after having admitted to the mistake, XXXX XXXX refuses to eliminate the fee. To be more specific, the letter stated that one would have to notify " us '' at the phone number listed above. The only phone number listed " above '' was the XXXX government 's number. Given that I never directly received a ticket ( I only received a letter from Ford notifying me of the ticket ), it was my reasonable understanding from that letter that XXXX was in constant communication with XXXX and thus, by contesting the ticket at the " above number '' ( XXXX government 's number ), I would meet the notification requirement. XXXX admitted that it was a mistake on the letter but he stated that he will not remove the fee. Furthermore, XXXX stated that I had 30 days to pay the fee and that my contestment was dated XXXX XXXX. I explained to him that in order for one to have evidence of the contentment, you must receive an email confirmation from XXXX of your submission ( I told him that he could verify this information on the XXXX government 's website ). I contested the fee two days after I received the letter. More than a week passed and I never received the confirmation. I proceeded to contest it again and then many days later, I finally got the confirmation. XXXX told me that I needed proof of this because otherwise I was lying. XXXX was extremely disrespectful, he raised his voice to me and even proceeded to not let me talk and explain. I want the fee removed and XXXX held accountable for his disrespect and actions.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

This company Midwest recovery systems, has purchased a debt that was closed out by the original creditor (   XXXX   XXXX   ). They have added it to my credit report and this is not acceptable. The debt was originally my  XXXX  year old son 's medical bill. The bill was supposed to be paid by the insurance company, this debt was closed out by the original creditor.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (IN)

Gatestone has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My home has been in foreclosure too long due to my servicing company Select Portfolio Servicing , Inc . I have been trying to apply for the Home Affordable Modification Program since XX/XX/XXXX. I have turned in numerous documents requested by the specialist that is assigned to my review. Every time I call the assigned specialist there is no answer and when I speak to someone else they state I need more documents. I call once a month for an update in regards to the review and ask if there is a for sale date. I received a legal advertisement for prevention of sale date on XX/XX/XXXX so I immediately called Select Portfolio Servicing and asked the representative and she stated no sale date. Then on XX/XX/XXXX I receive Notice of Cancellation of Foreclosure Sale Date from the Circuit Court of XXXX County. When I addressed this to Select Portfolio Servicing representative she stated there was never a for sale date. I have uploaded the legal advertisement and court document mentioned.The representatives at Select Portfolio Servicing give false and misleading information to delay the modification process and keep the home in foreclosure. I have spoken with a total of XXXX different representatives there and they are deceptive and seem to be uneducated in what they do. For instance my last call was in regards to missing documents and I asked what was needed. The representative responded with XX/XX/XXXX tax return thats all that is needed. I told her the last representative yesterday said XX/XX/XXXX tax return and XXXX form. The representative responded with yes that as well. At this point I have been forced to file complaints with the CFBP, Florida State Attorneys Office and the HOPE hotline for the HAMP program in regards to the unprofessional delay in processing my paperwork for a modification The delay from Select Portfolio Servicing in regards to the modification has made me ineligible for the XXXX as well based on a conversation with a representative from there. The representative with the XXXX stated I was ineligible due to the fact that my arrears are over XXXX and my home was in foreclosure too long. As of today I have sent Select Portfolio Servicing a whole new complete packet by certified mail, fax and over there website. I have also requested in writing that my review be escalated. I also need your company to answer a question for me. The manager at Select Portfolio Servicing stated that they have an underwriting department that my paperwork will go to when all documents are received and if I have to appeal the decision after the review the appeal will go to the same underwriting department for review again. I was under the impression that if it is an appeal then a XXXX party underwriter has to process the review. So my question is can the same underwriting department with in the servicing company look at a possible modification of the loan after denying it once already?
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hi, I saw the Citi bank gold checking account opening promotion online earlier this year, and it said I just need to meet the following requirements : 1. open a citi gold account 2. use the debit card for XXXXUSD transactions, 3. has two bill payments from the newly opened accounts. After all these requirements are met, I can get XXXX XXXX mileage. 

so I went ahead applied for Citi gold checking account online. and from the Terms & Conditions signing up the new checking account, it clearly listed the promotion for me, and I am eligible. 

To confirm the promotion, I also went to the nearest Citi branch, the banker looked at my account, and said she saw the promotion code, and I should get the XXXX XXXX mileage once I finish all the requirements. 

now it is a few months passed, although I finished all my requirements, but Citi said I am not eligible for that promotion. They said the promotion code is just for specific person. 

If it is just for specific person, why when I signed up the checking account, it said I am eligible? 

thanks!
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

This is a complaint about a lease with Nissan for a XXXX Nissan Rogue, lease started around XXXX 2010. At the end of the lease, we received a bill in the mail for approximately {$4000.00}! for the following : ( 1 ) It was a 39 month lease. After 36 months, we began looking into another option for a Nissan car to lease, mistakenly thinking it was a 36 month lease. When we chose a Nissan Altima and called up the dealer to put it into action, nobody said to us, " Hey, are you aware that you would be terminating your lease for the Rogue 3 months early if you go ahead with this Altima lease? '' Instead, they went ahead and leased us the Altima and just gave us a large penalty for that. Plus, it 's not as if we switched over to XXXX or something- we stayed with a Nissan . 
( 2 ) In addition, they billed us excessively for damage to the car. The car was not damaged at all, barely a scratch on it. There was only minor wear and tear that our damage waiver should have covered. When we asked for a breakdown of the damage, the only thing true on there was that a hubcap was missing ( stolen ). We were supposed to have a damage waiver in return for staying with Nissan, but that was a farce. We were helpless in fighting that because it was their word against ours. 
( 3 ) Our final complaint was a property tax of close to {$2000.00}. They never informed us there would be a property tax on a car we do n't own, and even so, that money should be billed to us each year, not all in one large ( unaffordable ) lump sum for 3 yrs total. Why did n't Nissan ever send us a bill over 3 years? 
We have always maintained a good credit, and this bill ruined our credit, as that sum was too large and unexpected. Please help us!
Consumer complaint received 2016-09-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Coradius International LLC (FL)

American Coradius International LLC ( " ACI '' ) mailed me a collections statement claiming that XXXX. placed with ACI over {$34000.00} of unpaid amounts that I allegedly owe to XXXX. I called XXXX, which confirmed that amounts that I pay to third party vendors through XXXX are immediately debited from my bank account, and that my balance with XXXX is, and has always been, XXXX. Furthermore, I have never come close to spending {$34000.00} through XXXX. I investigated online, and many other consumers have claimed that ACI is " running a scam '' to collect amounts allegedly owed to XXXX when, in fact, no such amounts are due. I believe that ACI 's behavior is a deceptive attempt to coerce consumers like me to pay amounts that they never owed. ACI 's mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Ihave a capital one credit card and they keep charging a intrest charge on my statment evry month even when i pay my full balance. In there own statment you have a 30 day grace period. I have contacted them and asked them to correct the promblem but it is still continuing. After i recieve my stament i remove the intrest charge and pay the balance i owe and right under the intrest why? I have been keeping a close watch on this but if its happenig to me how many other poeple have not and are paying intrest when they should not.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TN)

Today Ally financial sent and order to XXXX XXXX repose my XXXX Chrysler 300 it was parked in my Mom 's Garage. The tow truck backed into the garage to put the vehicle on the hook and my Mom was standing behind the car in the garage and he continued to back up, my mom could have been hurt. I still have not received correspondence regarding my account or their intention to pick the vehicle up. Every since I got this vehicle Ally has been verbal abusive with their collection practices and very hard to work with. I have been unemployed several time but I still have made efforts to make my payments.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capital Accounts, LLC (NY)

I was sent to collection for a vet bill. I never had the opportunity to resolve the debt as it was sent to the incorrect address. After noticing it on my credit report I contacted the debt collection agency for XXXX reasons. 1 is the amount is incorrect and 2 I had made a payment towards this bill. I have a copy of the original bill which was {$420.00}. I was put into collection for {$660.00}. I requested several times for a breakdown of this difference in the amount owed. I never received the breakdown. I was told to allow at least XXXX weeks to receive it as they have to receive it from the original creditor. I was also told if they do not receive it within 30 days the debt would legally have to be cancelled. I attempted to contact the debt collector again the last 2 days and they will not take my call. I am very upset over this as the amount being reported is wrong and my payment I made is not being reported as well. It has been well over 30 days. The original creditor is XXXX XXXX Hospital. The collection agency is Capital accounts ... .acct # XXXX XXXX.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (FL)

In 2012, I was a customer with XXXX. When I initially received service with them, somehow, and without my knowledge, they managed to create XXXX duplicate accounts. While I paid my monthly bill for the service I received this duplicate " phantom '' account started racking up unpaid bills. 

Between then an now, I have been contacted by three separate debt collection companies trying to collect on what is about {$250.00}. Each time I inform them that this debt is not mine, request verification of the debt in writing, and tell them to stop contacting me. Each time, of course, they cease all action on the debt because it is clearly not a valid debt. I do not remember the name of the other collection agencies, but most recently I have dealt with Stellar Recovery out of XXXX, FL. 

The initial fault lies with XXXX, however, whatever debt collection company they sold the alleged debt to also bears responsibility for passing the debt that was know to be invalid on to another agency.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan servicer, Specialized Loan Servicing, placed forced insurance on my account for hazard insurance. I am part of an HOA that pays for this as part of the dues, and so I have been trying to get proof of this to Specialized Loan Servicing ever since they added impounds to my account. 

Not only are they impossible to get a hold of on the phone ( any time I call their automated system says the wait time is greater than 15 minutes and offers a call-back option. I have yet to receive a call back earlier than a DAY later ) but they do not list a means of contacting them via email! 

I have faxed them my information several times, with a cover letter showing my Specialized Loan Servicing loan number, my email at which I have asked to be contacted at and my request to have impounds removed -- I have never received any attempt to reach back out to me. 

When going to their website to try to find an email through which I can electronically send them the information, the only description available is this : " To reach us by E-mail : You may email your request to Customer Care Support by logging into your account, then select Contact Us and follow the instructions to contact us via email. '' THAT IS FROM THEIR " CONTACT US '' PAGE, AND NO FURTHER INFORMATION ABOUT EMAIL IS GIVEN!!!!! 

I am losing XXXX dollars a month because these crooks have made it impossible to provide them the information they are requesting. Please help put an end to this -- I feel utterly trapped because I do not have the option to take my business elsewhere.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have submitted numerous complaints with the cfpb, and each time the complaint is completed it is sent to Wells Fargo and it is sent to there loss midigation department and the same representative. 
The resolution provided are by far true. 
Conversations with the rep have clearly stated there were errors made with my title and that they have filed a claim with the title company. they had indicated they were investigating only to send me a letter stating they answered the complaint in XXXX. 
I have furnished them with a XXXX page complete title report in which there were XXXX liens prior to my modifcation and insist it was an error by XXXX XXXX. Sadly we know that not to be true that a complete title was not ordered by Wells Fargo, if it was, the facts would be there. They stated they showed a judgement when i completed the modification which we all know judgement 's do not show on title. The lack of purpose or meaning to the people at Wells handling this case is totally unexceptable. 
They claim to have people working on this issue in different departments but there is no true resolution since they cant admit the errors they made. 
I also had advised the rep of calls from there people in title calling and yelling at me telling me 6 months later that i had to resign a duplicate mortgage because of mistakes made, and there response is they spoke to me acceptable. Acceptable and no explanation on a duplicate mortgage?? Yelling at homeowers is still acceptable by Wells? 
I asked recently about a principle reduction that XXXX XXXX is offering and i was told i was n't entitled since i was n't behind in my mortgage in XXXX. XXXX XXXX rolled this program out prior to XXXX, and with just receiving the appraisal on my home 2 years later showing my property was worth XXXX in 2014 and a modification was given to me for XXXX?????? who does these things. They just send a letter apologizing???? That 's not legal! Neither is allowing a modification with with liens on property. 
I dont get with the OCC involved and all the new laws protecting borrowers how all these mistakes were made and are still being made. 
The office of the President doesnt review complaint, but sends these letters down. 
Does anyone care? 
Last is my insurance that was taken when i received my mortgage that clearly had the proper insurance that covered the condo fees if any errors on title were made, and Wells is saying that the policy did not have any. I do n't know how that is possible since i paid for it with Wachovia who Wells purchase but when they completed the mod they didnt include it.