davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

in 2016 i went thru a hardship i am single parent. i asked penny mac to do a loan modifaction.The under writer was XXXX XXXX, i had two jobs at that time to try to get caught up on things. i had everything i needed to get it done ..She forgot to add it XXXX XXXX XXXX paystibs all together!!! and with out that i did not qualify, so i said wello its your mistake, redo the file and add that income back in. XXXX XXXX from pennymac said no file was closed and new file would have to be open. This is my home! That was a huge mistake, she was rude and seemed as if i was bothering her. So i reopened another file. Working through XXXX.Faxed over all the paper work my dad and i thought penny mac needed, they asked my dad to co sighn even though he does not live here and they asked for a letter stating he does not contribute to the bills. XX/XX/XXXX we had a phone conference with penny mac, home start, and myself and XXXX XXXX from from penny mac states he does not have paper work.In the mean time i called XXXX XXXX my point of contact at penny mac and offered to make a large payment XXXX $ to get caught up on payments, i received part of an inheritence and explaned i am also expexting a large settlment soon from auto accident and will be able to get caught up. He said no!!!! Are you kidding me? i really feel like penny mac is jerking me around and trying ton forclose on my home because now i am so far behind and they keep adding these attorny fees. i reaally feel i nmeed help here.my dad is willing to co sign we fax over paper work to them this is ridiculous,
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I subscribe to Transunion for daily score updates and credit protection. On XX/XX/XXXX, I checked my credit score with TransUnion and it was XXXX. That evening, I received an email saying there was a change on my credit report and that I should log into my account to see why. On XX/XX/XXXX I logged into my account and noticed that my credit score went down 35 points to XXXX. There was no change in my credit report from XX/XX/XXXX, though, as the email stated. I called Transunion customer service several times and no one could explain why. I was put in touch with a supervisor and she could not explain the change either. In broken English, she said it was " due to the factors ''. When I told her that the factors did not change from yesterday she said they did. She stated that I had a delinquent account. I asked her which one and she refused to tell me. She directed me to the online group and they looked at my report and found no delinquencies. I downloaded another credit report from XXXX and XXXX. There were no delinquencies. Everyone I spoke with at Transunion could not explain why my score went down.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have observed that some information related to these accounts is outdated or incorrect. I would appreciate your help in ensuring that my report accurately reflects my current financial situation.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I had the Firm of XXXX XXXX XXXX, represent me in my loan modification for 3rd time, I had a loan modification done with XXXX XXXX XXXX in XX/XX/XXXX, legal and notarized I made the payments according to the Loan Modification Account No : XXXX dated XX/XX/XXXX it was a loan modification way before every consumer affected by the XXXX XXXX Fraud to millions of consumers, we took the case to XXXX courts on case No : XXXX, and had 4 legal defense attorneys proving the lender did not have the Title or Note, the judge clearly took the Bank side and the illegal transfer they did after XXXX XXXX XXXX went Bankrupt, it has been 9 years of complete nightmare I am senior citizen XXXX XXXX Veteran, and I have seen how the Banks manipulate their paper and interest, I just viewed a Title report that is Fraud in order to do a Foreclosure Sale on my home next week XX/XX/XXXX, it was done by XXXX XXXX, ( aka ) XXXX XXXX by XXXX XXXX XXXX Report Date : XX/XX/XXXX report No : XXXX, they lied and did not report I was the Owner on the property as shown in XXXX Property search and did not filled the information on sales and transfers done with my property as XXXX XXXX Clerk of the courts shows, I ca n't believe that corporations are doing Fake Titles for Mortgages in order to sell the homeowners only home, even with a filed XXXX on record of the court they laugh and continue to do Fraud, I sincerely hope that your agency could place a stop by your powerful office from the US Goverment and help me out on my desperate situation.
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc. (CO)

The collection company NAr ( north American recovery ) never provided me with the documentation on the Medical bill they were collecting for. IN order to remove it from my Credit Bureau I just paid the debt in full of {$1400.00} on XX/XX/17 I was told by XXXX who processed my credit card it would take 24 hrs before they could send me a receipt it was PIF. I never received any documentation I contacted NAR XX/XX/17 spoke with Supervisor XXXX XXXX. Explained I never received a PIF notice. She said it waould be faxed that day. Again it was never received. I called & asked for XXXX XXXX, was told she was unavailable so I left a voicemail with my info & explained I never received a fax or email for the PIF doc. Again no response.
Consumer complaint received 2016-06-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (CO)

charging interest not charged on disputed medical bill turned over to them .Placed on credit report without stating disputed Debt. Placed on spouses credit report when he did not sign for debt and again did not state disputed debt. Notified neither party was going to place on credit report.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC (CA)

In XXXX of this year we contacted equity prime mortgage About refinancing ourchome. I was advised ( and I have maybe 500 Emails ) to get appraisal and stop paying mortgage. On XX/XX/XXXXhe XXXX told me we had issues with appraisal and to pay mortgage for XXXX. Which I did and it was considered late as it was n't received until XX/XX/XXXX. So equity prime says after making me pay twice for appraisal, first to see and second to make sure it was fixed .... I 'm denied for late payments. Unprofessional and XXXX has been fired. Please help us. Sincerely XXXX and XXXX XXXX
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pan Am Collections, Inc. (IN)

I was recently assigned a cell phone by my employer that had been used by a former employee, who is no longer with the company. I have received several calls from Pan Am Collections attempting to contact this previous employee. The most recent call was today XXXX/XXXX/XXXX. Unfortunately, I share the same first name as the previous employee, and answered the phone identifying myself by my full name. With the common first name, the caller was aggressive in insisting that I was the party of his interest. I called back and talked to a XXXX XXXX with Pan Am, and made clear that I am not the individual they are attempting to reach. He adamantly refuses to acknowledge this. I explicitly directed them to cease calling me, which was met with a clear indication that they will not comply. I have blocked the listed number for the company ( XXXX ) on my cell phone. However, they have also dialed in on an " Unknown Number '', so I anticipate that they will continue to attempt to harass me. I was informed that the phone call was recorded by XXXX XXXX. I informed XXXX XXXX that I would be submitting a complaint to the CFPB as they are clearly in violation of the FDCPA. Pan Am Collections XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, XXXX XXXX
Consumer complaint received 2017-07-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In year XXXX, I had taken a loan amount of {$62000.00} to open up a restaurant in New York. Initially I was delinquent on my payments because my business was n't doing good. In XXXX, I was approached from debt collector company called XXXX XXXX XXXX XXXX ( Bank of America ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( Bank of America ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.
Consumer complaint received 2017-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I receive alert on my XXXX XXXX portal that XXXX XXXX XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit twice and there is XXXX hard inquiries on my credit report with Transunion , XXXX  and XXXX. 
Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? 
There should only be XXXX inquiry from XXXX XXXX XXXX not XXXX inquiries. 
XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. 
She is a excellent Military Veterans supporter and very experienced in credit matters.
Consumer complaint received 2017-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

Complaint to cfpb : Homeowner is facing EVICTION from her home of 42 years. Defendant lost the Foreclosure Mediation action, filed in XXXX County NJ Sup. Ct. How she lost the foreclosure case ( through participation in the NJ Mediation Program is a mystery! Defendant is a XXXX year old, single, XXXX woman who is retired, with no income, no employment and no asset. She is a victim of the predatory lending tactics of CHASE Bank XXXX XXXX XXXX XXXX XXXX XXXX. These banks made inappropriate loans to Defendant knowing she could not repay them. Without regard to whether this struggling homeowner could repay the loans or not, CHASE and XXXX XXXX issued a total of 4 loans to her, including 3 HELOCs. These predatory lenders now seek to benefit through foreclosing on this homeowner. The " banksters '' were clearly at fault, knowing their loans were unconscionable and not fair to Defendant. I an waiting with bated breath for the arrival of uniformed Sheriff Office personnel at my foor, with foreclosure sins. I have nowhere to go. While I am on long waiting lists at several Senior Housing Projects, nothing is currently available. ( I was rejected for residency by one local HUD-subsidized Senior Housing Development because I had to file in Bankruptcy in connection with the Foreclosure case. ( The Bankruptcy case has been dismissed, but the mere fact that a Bankruptcy petition has been filed within 5 (? ) years may continue to bar my applications to other subsidized housing.
The prospect of homelessness is especially painful to me because the total amounts the lenders claim are due, were never received by me. I have received no cash, only on paper. The lenders financial documents are confusing. Accounting entries are intentionally erroneous ; obvious instances of 'robo '' signing/forgery even appear in some recorded documents. CHASE 's loan Summary Statement, e.g. is deliberately fraudulent and has been reconstructed and revamped. CHASE blocked advances from its account in XX/XX/XXXX. The XXXX XXXX account includes flagrant overcharges, expensive forced insurance costs and unwarranted fees. The combined indebtedness from the predator banks totals more than {$350000.00}, thus preventing my sale of the Property and leaving no relocation funds for me. I would appreciate the CFPB 's assistance in helping me to delay the public auction of my house/investigate/confirm the actual amounts due/and if possible, save my home Sincerely, XX/XX/XXXX
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Visa Credit Card. I make payments on a regular basis, and have done so for many years. The problem I had recently involves a notification service which Chase provides. Specifically, they provide a user defined service to notify a customer ( or remind them ) by email that their payment is due within X number of days ( for me, X was 10 days ). I  came to rely on this service where when I would receive the notification, and then I would schedule the payment with my bank. The problem arose when I stopped receiving these notifications. As I relied on the notifications as a payment reminder, of course when I stopped receiving them my payment was late, and I received late fees. This happened to me two times before I looked into to why my notificationsstopped. What I found was interesting. My Chase online profile was set to correctly to notify me 10 days before my payment was due. So what happened to my notifications? Well, for some reason they were n't being sent. What 's even more interesting, is that Chase provides a Notification History Log. The History Log did not indicate them being sent to me. So I contacted Chase, and of course they were very quick to refund me my two months late fees ( {$37.00} for XXXX, and {$27.00} for XXXX XXXX. However, I began to wonder, if maybe others could be having this happen to them? It 's seems interesting too, that Chase raised their Late Fees during this time as well from {$27.00} to {$37.00}.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (NV)

The credit union has robbed me blind. They took money from XXXX ( a student loan ) and paid an unsecured credit card of XXXX with it. XXXX can not file bankruptcy on the money that was just stolen by Navy Federal Credit Union and she needs it for school. She needs it refunded immediately. They have unlawfully stolen it from the account. This is an outrage and we are heavily contemplating legal action.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

A transaction on my Synchrony account was made on XXXX XXXX in the amount of {$1000.00} at XXXX XXXX XXXX XXXX, NY XXXX. The items purchased were scheduled to be delivered within 2 weeks as stated by XXXX an employee for the furniture company. I patiently waited 1 month for delivery. I placed many calls between the bank, merchant and delivery department. After making several calls, I was notified that some items were not available due to recall as stated by one of the Merchant 's employee ( XXXX ). I was asked if I would like to look at anything else and I replied no thank you! XXXX called over to the main office in XXXX, NY to express I was not interested in anything else. XXXX proceeded to issue out a refund. I notified Synchrony bank about the issue at hand. They conducted there own investigation and found favor for the merchant. However, I have a debt with nothing to show for it. I did not receive any of the items. And I did n't get a refund that was also promised.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom it may concern : I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have made multiple attempts to resolve this issue with Transunion.
By Mail, And Phone..
Consumer complaint received 2017-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Hello, I have paid off my loan with XXXX, but currently, have a negative balance on my loan. My balance shows as - {$44.00}, which would mean that I should receive a refund in that amount. Upon noticing this at the end of XXXX, I used the internal email mechanism to contact my loan provider. I received an automated response, but have not, as of yet, been given a response to my inquiry, nor a refund in that amount. I am attaching a screenshot of my balance, as well as the confirmation of my email and the automated response received in return. <P/>Thank you. <P/>Regards, XXXX XXXX
Consumer complaint received 2017-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I deposited {$160.00} to my Wells Fargo account on XXXX XXXX to find out months later that my money was n't found. Also my account was closed. I had an amount of {$4000.00} in my account along with me depositing the {$160.00} on XXXX XXXX XXXX. I went into the back and talk to several customer reps and I was told it was nothing they could do. I watched Wells Fargo take money out of my account put it back in and repeat this method for a few months. I did n't mention anything to them because I did n't want to see crazy but my money was removed from my account, deposited into another account, I showed them the receipt but there was nothing done about it. They took one receipt from me that showed my balance of {$4000.00} but I was once again given nothing back. My account is closed now and it was n't my fault. Also my account had several unauthorized transactions but Wells Fargo reversed them and took the money away from my account. Now I 'm frustrated my phone is off I have no funds to pay any of my bills and I want all my money back and I do n't want to deal with Wells Fargo ever again and please find a way to mail me my funds or a check. to my address associated with the account every single penny.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I have notified and for months telling my original loan servicer AES/PHEAA, And current servicer, US Dept of Ed, Direct Loans, that these student loans dated XXXX, and XXXX, 4 loans, are not MINE. The XXXX  website is not correct. 1. It shows I withdrew XXXX, I graduated XXXX ; 2. I was in school XXXX, date they begin collecting on loan.date do n't match. 3. Amounts do n't match my loan papers for any of these student loans. 4. The grant amounts DO NOT match my loan documents. 5. XXXX list XXXX XXXX XXXX as Original Lender of these Loans. XXXX XXXX XXXX confirmed THAT they have NEVER given me a student Loan, or any loan, EVER. I have requested Many XXXX times AES/PHEAA provide me the original 4 Promissary Notes showing these loans are mine. They can not after taking months to search, and simply keep sending me the consolidation promissary notes in XXXX. I told them numerous times get my name off these loans and return my money, but they are intent in making me repay someone else 's loans. The phone number of the owner of these loans is n't even a phone number I ever had, but I know whose number it is, my classmates, who also got student loans as well. Do I seriously have to take them to court and obtain a court ordER to force them to correct their mistake that they know they made? I 'm sick of getting the run around while they have seized over {$12000.00} from me to pay some on else 's loans. I paid my loans off years ago, in XXXX. I told them that, but they do n't care. The original principal was {$XXXX}, They seized over {$14000.00} from me Balance owed today is > {$XXXX} That 's absurd!!! I have my originAL loan documents, even sent them several times to both AES/PHEAA and Direct loans/us dept of Ed, requested they to get my name off these loans but they refuse to do anything. Please help me. XXXX
Consumer complaint received 2016-07-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (IL)

Under Complaint Number CFPB complaint number XXXX I, XXXX XXXX XXXX will like to add a new complaint against GM Financial, their address is XXXX. XXXX XXXX, XXXX XXXX XXXX. GM Financial brought my car loan from AmeriCredit several years ago under Account Number XXXX. The product of this loan number has been reported as a deficiency to National Highway Traffic Administration reference number XXXX ; also reported to the Federal Trade Commission under XXXX, and also it combines to substantial ground with Federal Trade Commission Report # XXXX that clarifies incident of identity fraud. This loan was also reported with Police Report Number XXXX to Experian Credit Bureau Report Number XXXX. Report is being followed up with the U.S. Supreme Court XXXX in which XXXX XXXX XXXX is involved with this loan which is reported as a deficiency. The product was sold to me with hidden damages which I was not aware of at time of Purchase in XXXX XXXX. I have tried to resolved this issue with G.M. Financial in it is off of my credit report but the issue is that G.M. Financial is demanding money from me for late fees due to the fact that investigation is going on against the XXXX XXXX of this product. G.M. Financial will not release a Title Lien or Title of the product. The product is clarified as being paid on all three credit Reports so G.M. Financial should release Title to in correspondence. The information of product is a XXXX Ford Taurus the VIN Number is listed on the National Highway Traffic Safety Administration Report. Note : There was a VIN Error Certification filed as part as investigation. I, XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I can be reached at XXXX for further questions. The investigation is still pending for review. I XXXX XXXX XXXX desire the will of the greatest, the best, and everlasting within my civil rights as a consumer.