davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (WA)

On XXXX XXXX, 2015 I tried to pay by debit card a massage service, but the card machine did n't work, so I paid by cash {$64.00} plus tip. However the bank Wells Fargo debited {$64.00} on my checking account. On XXXX XXXX, 2015 I went on the brunch XXXX XXXX XXXX XXXX, I talked to XXXX XXXX XXXX XXXX, who was n't nicely at all, he was unrespectful making jokes with XXXX, saying " he was really busy to take care claims from clients, but anyway ''. 
He did n't accept the card notes from the massagem business, I went to XXXX business XXXX times, on the XXXX time the girl from front desk accepted to buy a receipt paper, because the business does n't have receipts, they do n't work like serious business, I guess. 
So I came back to the bank and I requested to talk to the Manager, XXXX XXXX, he talked to claim department and explained the business filled with my informations and said that I paid {$64.00} by cash per services and the card did n't go though on Saturday. XXXX XXXX sent all proof by fax and he checked with Claim department if everything was enough. He told me to be calm everything would be fine and I would receive my money back, and he was a patient and nice manager, so I did n't close my account on Wells Fargo. A bank which does n't trust in our clients is not a good bank. Also this happened in XXXX PA. 
On XXXX XXXX, I traveled to XXXX and I moved to XXXX on the beginning of XXXX. Today, XXXX XXXX, 2015 I checked my checking account and I saw - {$64.00}, so I researched what was that, then I got the informations from Claim Department that the receipt was n't enough, I need to go the Business and request I printed receipt or something like that. 
How I can come back to XXXX to request a receipt from a Business who already had problems to fill the basic one? 
How can be possible a bank like Wells Fargo who says they care about costumers said to me, " Im sorry I ca n't help you '', if the bank who I trusted to work with ca n't help me, who can? How I can prove Im paying XXXX for XXXX single massage, a service I got because I hurt my back and I could n't walk. 
I ca n't go to XXXX right now and I do n't agree to pay XXXX for a bad machine.
Consumer complaint received 2015-05-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a loan modification in latter part of XX/XX/XXXX with Wells Fargo Bank. I received a letter dated XXXX/XXXX/2015 from Wells Fargo stating that they have received my application for a loan modification and to keep in mind additional documents may be needed. 
In a letter dated XX/XX/XXXX from Wells Fargo Bank were a list of conditions they had received and conditions which were still outstanding, all due by XX/XX/XXXX. How then do I have a Foreclosure Sale date for XX/XX/XXXX? This is clearly blatant dual tracking and Wells Fargo should be called on this violation of the California Homeowners Bill of Rights.
Consumer complaint received 2015-04-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance Collection Agencies, Inc. (WI)

Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. 
I called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period.
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

My loan went into default. My parents and I went to court and settled the matter and make regular payments to a collection lawyer for XXXX. I feel that I will never be out from under this situation. I ca n't find anyone to refinance, consolidate this and my XXXX loan. My credit is horrible because they do n't report payments being made just late and collection. I am willing to repay my debt, but I feel like I 'm being taken advantage of. All I want to do is pay and get a lower rate.
Consumer complaint received 2015-04-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Kirkland Asset Management LLC (FL)

I have been getting calls for the last year or so regarding a debt from XXXX XXXX my husband and I took out in XXXX of XX/XX/XXXX I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from Kirkland Asset Management a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.
Consumer complaint received 2015-04-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

I have a loan with J.P. Morgan ( Chase ). After we filed for bankruptcy Chase stopped sending our loan payments so we contacted them several times and they did not respond. XXXX XXXX, 2014 we received a letter from Chase that stated we are behind in our mortgage payment and we have to come up with {$6800.00} the total amount needed to reinstate or bring the account current. The amount of the principal obligation under the mortgage is {$71000.00}. I filled out all of the papers they requested and they keep telling me it is in Escrow and it will take a few months. I am at their mercy because they continue to fine me every day and they said their is nothing I can do. If you can let me know what I can do to protect my self J.P. Morgan? 
Thank you, XXXX XXXX : XXXXXXXXXXXXMy cell number : XXXX
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I was approved for a loan to buy a home, by RP Funding Inc.. I paid for an appraisal to be done on the property. I was subsequently denied the mortgage. I obtained new financing on the same property, Through XXXX XXXX XXXX and they have agreed to use the original appraisal I paid for. The Appraise, XXXX XXXX Services agreed to reassign the appraisal to the XXXX, if RP Funding Inc. will release the appraisal. The original finance company is refusing to release the Appraisal to be able to reassign the appraisal to the new finance company.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

I provided a case dismissed report for this XXXX account to the credit reporting agency and they still refuse to remove the item from my credit report, it is also listed as a collection account for XXXX XXXX XXXX, Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XXXX/XXXX/XXXXFiling Date:XXXX/XXXX/XXXXAmount $ XXXXXXXXLast Activity Date:XX/XX/XXXX.
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NY)

I need copies of my Master Promissory Notes for XXXX Direct Federal Subsidized Consolidation Loan and XXXX Direct Federal Unsubsidized Consolidation Loan. In have a right as a borrower to this document as it is the borrowers contract that governs all terms of repayment. Federal Student Aid and EdFinancial are playing games telling me the other agency has these documents. Each time I was on the chat or on the phone with either agency, I was given different information. EdFinancial told first they would submit a research request to locate my MPNs and that would take them XXXX days, plus another XXXX  days to get my documents to them if they were located. I got it escalated by XXXX supervisor who said it was now an emergency request and it would take XXXX business days and they would email the document when it was found. Another rep later told me it would be XXXX days to find it, and another XXXX to mail it because they are not allowed to email MPNs. Federal Student Aid told me to call my school ( these are not associated with a school as I consolidated AFTER I graduated ). Another FSA rep told me to speak to XXXX who never serviced any of my loans. Why are my MPNs not accessible? These are legally binding contracts that I have a right to view at any time. It is concerning to me that someone needs to find them. My servicer EdFinancial told me that any MPN should he available on studentaid.gov but these consolidation loan MPNs are not in my documents. Federal Student Aid told me that servicers have all the Consolidation loan MPNs and my servicer could not locate them in their records. It should not take all day to get consistent, correct information. It should not take all day to get a copy of a document I am legally entitled to view. This is a violation of my rights as a borrower. I want the MPNs because you can not trust FSA or servicers to know accurate information as evidenced by this whole issue.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I contacted XXXX because they seem to offered great services are used their their fuel card a couple of times am I stopped using it because every time I will have to make a payment job and I was having trouble logging into my account. I was obligated to call and make a payment over the phone him with an expensive flat fee of {$15.00} for credit card processing over the phone so pretty much does the catch the lower your fees I want to fuel your gas tank for your trucks but then they charge you a {$15.00} fee to pay over the phone because every time I try to log into my account I would always never able to login. The XXXX month I decided to use it again no I would give it a second chance am I tried to login again to make a payment it was unsuccessful I made several calls about I was on hold for over XXXX minutes waiting for instructions to reset my password and be able to log into my account I was not able to login after following their instructions for several times and several times am I was ready frustrated I told him to please waive my fee that I will pay it over the phone. The XXXX month after being frustrated of nerve being able to log into my account after speaking to several of the agents and following their instructions step-by-step to reset my password I was not able to login I decided to cancel my account on not use the card anymore so I called her you asked to speak to a manager they passed me on the phone with the manager I explaining the situation he attempted to reset my password again unsuccessfully so I decided to Pay off my card balance and have my account close because I believe I was n't going to be using it no more I found it useful and from time-consuming for me he said are the total balance I paid it over the phone and he said my account was going to be closed.he was kind of rude I believe because he did n't want me to cancel their services but he was n't in the best mood now the next month I received a bill which I do n't understand why if I paid off my account I 'm on top of that they had added a {$80.00} fee for late charges him that I do n't understand why and since then I have n't paid them I 've been trying to fight with them and not I 'm not getting anywhere and every month they keep adding a late charge of {$80.00} I just I would 've never signed up to this account if I would 've known they were going to charge me fees on top of fees. And now this is beginning to affect my credit score.
Consumer complaint received 2015-04-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: E*TRADE BANK (OR)

We took out a HELOC with E-Trade Bank several years ago. We were making monthly automatic payments from our Credit Union in XXXX for many years on that loan thru a loan servicing company hired by E-Trade Bank. The name of the Loan Servicer was XXXX XXXX XXXX. In XXXX 2015 XXXX XXXX XXXX was replaced by another loan servicing company hired by E-Trade. The replacement loan servicer is called XXXX. We made a monthly payment of {$1000.00} on the HELOC as usual to XXXX on XXXX XXXX, 2015, and we believe XXXX received this payment on XXXX XXXX, 2015. AFTER WE HAD ALREADY MADE THAT PAYMENT we received in the mail a notice from XXXX that all payments after XXXX XXXX, 2015, were supposed to go to XXXX rather than XXXX. Because we had not received adequate advance notice of this change, XXXX is now demanding the {$1000.00} payment we made on XXXX XXXX, 2015 to XXXX. We can not call XXXX at all as they refer all inquiries to XXXX, the new servicer. We wrote to XXXX on XXXX XXXX, 2015 demanding return of the {$1000.00} payment we sent to them on XXXX XXXX, 2015, so we can forward the XXXX 2015 payment to XXXX to bring their account current. XXXX stills says we have not made the XXXX 2015 payment to them because it went to XXXX. As of this date we have not gotten the refund from XXXX and we do not have an extra {$1000.00} laying around to sned a duplicate payment to XXXX while XXXX is illegally holding on to our {$1000.00} payment for XXXX 2015. We 've filed complaints with CFPB against both XXXX and XXXX. XXXX refuses to acknowledge they sent their notice of changed servicer RETROACTIVELY. CFPB wrote to us and said they do n't have enough info about XXXX. We already gave CFPB all the info we have about XXXX. This is the company E-Trade hired to service our HELOC. Since XXXX is probably bankrupt or being investigated for some federal fraud related to loan servicing and it seems XXXX swooped in to take this over for E-Trade ... NOW WE WANT TO FILE A COMPLAINT AGAINST E-TRADE BANK FOR NEGLIGENTLY HIRING THE DISHONEST AND CRIMINAL LOAN SERVICER CLC WHO WILL NOT RETURN OUR {$1000.00}!!! We never told E-Trade who to hire to service their loans. That 's E-Trade 's business. We 've been screwed and E-Trade must REFUND OUR {$1000.00} IMMEDIATELY so we can forward this payment to XXXX.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Rewards — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have the HSBC Premier World MasterCard that has the HSBC Premier Rewards Program that states that I am supposed to receive XXXX point for every net dollar that I purchase with the credit card. However, the program is not correctly counting the points on my account and this is not the first time that I have noticed and complained about this problem. 2 years ago I had the same problem, I contacted the HSBC Premier Customer Service and they were able to fix the problem and correct my points balance, however, this time, I have contacted the same Customer Service and they keep saying that the balance is updated but it is impossible that this information is true and this is why : - My points balance on XX/XX/XXXX was XXXX points. 
- In the period of XX/XX/XXXX-XX/XX/XXXX I had a total of USDXXXX in new purchases which means that I should receive XXXX new points. 
- However, as of XX/XX/XXXX my points balance is XXXX points and I have n't used any points since XX/XX/XXXX, which means that in the period of XX/XX/XXXX I have only accrued XXXX new points. 
- If I was supposed to receive XXXX point for every net dollar in new purchases and in the period of XX/XX/XXXX-XX/XX/XXXX I should have received XXXX new points based on my new purchases for the same period and I have only received XXXX points, this means that I am MISSING A TOTAL OF XXXX POINTS ON MY BALANCE POINTS. 

I have contacted the HSBC Premier Customer Service by email, which they never responded and I have contacted them by phone, and after 1 hour long of waiting, they still have n't acknowledge the problem or even given me an explanation for why I am missing XXXX points. 

This is not my first problem with HSBC Premier and it seems like that every time that there is something wrong with my account or any product that I have with this bank, I have to always find an outside source to be able to help me resolve any issue with this bank.
Consumer complaint received 2015-12-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

My loan was just transfered to Carrington Mortgage Services. I 've had several home loans and this has been by far the most difficult one to work with. I pay extra on my mortgage every month. However, they make it very difficult for you to do so. I can not pay extra via their website. It shows the options to do so, but they do n't work. The most I can pay is my mortgage payment. My options are to call in and give a stranger my checking account info every month. Which they entered wrong the first month and did n't work anyway. Regardless, very time consuming to pay a single bill every month. I also, can make multiple payments to accomplish this. Since I ca n't make a larger payment, I have to make multiple payments. However, I can only make one per day via their website. It becomes a multi day hassle. Even so, I still will have to call to make sure the extra money under the other option is still added to the correct place. They also told me, I could pay extra provided I pay on or after the first every month via the website. That was a lie. Still does n't work. I 've never encountered a place to difficult to pay a bill. I 've had several car and home loans and by far the most difficult one to work with. They make it very hard for you to pay extra potentially trying to make sure your loan is dragged out as long as possible, making them more money and costing the consumer more. They need to make their website be able to take larger payments. Telling me that they 've had lots of complaints and " that 's just how it is '' is unacceptable. If they ca n't fix it, I would request my mortgage be sold to another company. No other mortgage service I 've dealt with has been this difficult to work with. I should not have to spend this much time and effort to pay a single bill every month. It is n't fair to me, especially when I pay on time or early every month. It should n't be a punishment for that and wanting to pay extra to pay off my loan. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX held by Carrington Mortgage Services for property atXXXX XXXX, CO XXXX
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

Dear sir/madamas I was going through my credit report on XXXX and XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter to my home address with a diffrent recipient name on it. Said they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this debt. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report. 
I copy this account number from my XXXX credit report with Midland funding name on it XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MA)

as a formal complaint regarding the inaccurate credit information you have reported. I am extremely distressed that these inaccuracies have been included in my credit profile The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611 Subsection AD, and under FCRA and TILA. Without written agreements, I question the validity of any liability as a victim of identity theft. 
Credit reporting laws require that all reported information be 100 % accurate. Therefore, every measure must be taken to ensure the reported information is correct. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX