davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My son was adding me to an existing savings account as Chase Bank. To add me to the account they wanted additional personal information. Specifically, If I was employed or retired and the range of my annual income. These are questions I expect for a request to extend credit, but not for a deposit account. It was explained that this was part of the Bank Secrecy Act and an attempt to conform with Know your customer. This felt intrusive to me and I 'm not sure if this is overreaching from what is required. If it 's not over reaching, I feel that this is may be an unfortunate step to far. Especially in light of potential for data breaches that are constantly coming to light. Chase agents were polite and helpful.
Consumer complaint received 2017-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I Sent portfolio recovery a letter on XXXX XXXX,2017 requesting that they validate The debt of {$420.00} they say I owe them. I never had an account with profolio recovery and the social security number portfolio recovery had on the account was n't mines and I want them to remove the collections off all XXXX credit reports
Consumer complaint received 2017-08-05
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: EQUIFAX, INC. (IL)

Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (NJ)

Discover Student Loans sent me a letter saying that because I had paid a certain number of payments on time and in full I qualified to have my co-signer removed. My co-signer was my mom who is going to retire in a couple years, I pay all my student loans by myself so I figured not having her attached my loans will help her after retirement. The letter stated that having my co-signer removed would not affect my interest rate. My interest rates are incredibly high, I have great credit and it just plain unfair what Discover is charging me. Since I have removed my co-signer I have had my interest rate climb every month. Again I have great credit, pay all my loans on time, and pay more than the minimum payment. Discover states that because they just hold my loan ( they bought it from another company ) they can do nothing about refinancing it, in my mind then they should not be able to raise my interest. I honestly have no idea what to do or if this is legal or not. I pay almost {$1200.00} a month in student loans ( not just to Discover ) and no one is helping me because I pay on time. I kill myself working to jobs to pay all my loans on time and I am punished because I 've never missed a payment. I honestly do not know where to turn but what Discover does does n't feel right and I would like someone with more knowledge to look into it.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CO)

I was gone for the weekend and they left paperwork on my porch that was not in a private envelope so that everybody in the whole world could see my private information. 
XXXX XXXX XXXX, XXXX No case number XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone number XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX Pay-pal XXXX
Consumer complaint received 2017-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

At the beginning of XXXX, 2017, I emailed fedloan requesting a payoff for a direct parent plus loan as I needed to pay off the loan in order to close on a mortgage. I did not receive a response. I called to request the amount one week later. No response. I called the third week in XXXX and finally received the payoff amount of {$3000.00}. I brought this amount to the closing table with the loan payoff details. I verified with closing agent the check was sent overnight. Fedloan did not put the money toward the payoff. I called in XXXX and was told a request would be sent reapply the amount to payoff the direct parent plus loan. In XXXX I called again to request the amount be applied to pay off the parent plus loan. I was first told it should have already been done and would now only take @ 24-48 hours. I then asked who regulated fedloan and was sent to a supervisor. The supervisor stated it would take 7-15 days. All communication for requests could only be sent via email. No one could talk to those that process the requests. During this whole time I monitored my fedloan page for any upcoming payments. Balance was always XXXX. XXXX 2017 would have been my first month coming out of grace period. It has been my experience in the past if I made a large payment over what was due the balance was always XXXX. Now that the payment has finally been processed to pay off the parent plus loan my fedloan page is stating I am past due on payments. States I have not made a payment since XXXX 2017. I made a payment of {$420.00} XX/XX/XXXX. Now it states I am late and have a past due amount of {$930.00} yet still have a XXXX balance due for XXXX. It seems to me this fedloan unethically tries to take advantage of me by putting my payments where ever is the best interest for it 's bottom line. I feel as if I am at a disadvantage and am vulnerable to a loan shark. It took months to resolve this issue and now they are hitting me with past due interest for retaliation for me paying off the parent plus loan. I have always paid off education loans quicker than the designated time frame. My payoff history shows the proof. Now, looking back in my fedloan inbox I see a response stating the payoff was insufficient and my repayment terms have changed. It seems my statement that I would file a formal complaint to who ever regulates them changed their mind and they applied the pay off to the parent plus loan. Now, they have added unrealistic additional interest charges. American students of higher education beware of fedlaon!
Consumer complaint received 2017-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (GA)

On multiple attempts dating back to XX/XX/XXXX I have disputed multiple unverified accounts with Monterey Collections with account number : XXXX XXXX and XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called Monterey Collections and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she mentioned an address ( apartment ) in XXXX or XXXX, GA that I have never lived or been associated with. At that time the rep advised I should dispute again with the credit bureau and stated that the account should not be reported if the information did not match with what the credit bureau report. Well, just the other day I received a debt letter from Monterey Collections which states it was a response to the dispute received and pursuant to the debt validation requirements set forth in the Fair Debt Collection Practices Act. Also, in the letter it states that I had 30 days from the date I was notified by Monterey that an account had been placed with Monterey Collections, to request to dispute the debt. They also state that they notified me of the accounts XX/XX/XXXX which could n't be further from the truth. I have used my current address over 10 years and have never received any communication from Monterey until it was reported on my credit report back in or around XX/XX/XXXX. This practice completely contradicts the standards provided by FTC and creditor should be reprimanded for these practices.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/XXXX I realized that I had paid my last 2 car lease payments through my debit account to Chrysler Capital instead of XXXX XXXX. Once I contacted Chrysler they asked that send via fax copies of my bank statements proving that the payments were taken out of my debit account and sent to them. I faxed them the next day showing that 2 payments were made in the amount of {$360.00} on XX/XX/XXXX and XXXX XXXX of 2017. I contacted Chrysler a few days later to make sure they received my faxed information and they said they did and that I would be receiving my payments within 30 days but after speaking to a supervisor they would try to expedite the refund. On XX/XX/XXXX I contacted Chrysler again seeing the status of the expedited refund, still no information other than Id be receiving it around XXXX XXXX, 2017. I again asked to speak to a supervisor begging that they expedite this process and get me back my 2 refunded payments in the amount of {$730.00}. On XX/XX/XXXX I contacted again to see if the process had been expedited and there was no further information other than I would either be receiving a XXXX Gift Card or a check in the mail. I explained I did not want a XXXX Gift Card, I wanted the money deposited back into my debit account or a check. XX/XX/XXXX I contacted Chrysler again because I did not receive a check or gift card on the day as promised. I spoke with a supervisor again and he informed me that the XXXX Gift Card was sent out that day. Today is XX/XX/XXXX and I still do not have a XXXX gift card. The supervisor told me that I was to receive a XXXX Gift card since the refund was under {$500.00}. I expressed that the refund should be in the amount of {$730.00} because it was 2 payments that Chrysler accepted after my lease was up! The supervisor said they only had notes of 1 payment. I explained that that was incorrect and that I had faxed all documents needed to expedite the process for my full refund. The supervisor said hewould send the message along to the finance department and they would be contacting me within 24-48 hours. Well it has been the 48 hours and still nothing, no refund, no call, no XX/XX/XXXX Gift Card.
Consumer complaint received 2017-02-19
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (CA)

Nearly seven years ago I received a collection letter from speedy cash. I paid this loan in full and never received the credit. To this day it remains on my credit as a collection / default and provents me from leading a normal life when it comes to banking. After several civil requests for proof that the debt is still outstanding I was told that they are not required to provide proof and only want the debt paid again plus penalties before they consider removing. The amount I paid was the loan amount plus nearly XXXX percent interest and now they want another XXXX percent?
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I submitted a payment for my XXXX XXXX XXXX in the amount of {$13000.00}. US Bank only credited me with a payment of {$3700.00}. I contacted US Bank by phone on 2 occasions, and by e-mail on at least 3 occasions. They consistently deny that they received a check for {$13000.00}. I contacted my bank ( XXXX XXXX XXXX XXXX - XXXX ) to confirm that US Bank presented the check for payment, and that the payment has cleared. XXXX stated that US Bank presented the check 3 times for payment - the 2nd time due to stating the amount incorrectly the 1st time apparently. XXXX was unsure why they presented the check a 3rd time, but does confirm that US Bank received the payment of {$13000.00}. US Bank has had my payment for over 2 weeks, and  so far has refused to acknowledge this, and has provided no assistance during my multiple contact attempts as far as I can tell.
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

The company is Navient. I got behind but am working on getting caught up. I paid XXXX $ last month ( XX/XX/XXXX ) was told that it would get my loan back on track, got an email a few days later stating that I owe XXXX . I call to set up a payment on X/X/17 and the guy on the other end asked if I wanted to pay XXXX $ to get caught up. I said no I want to set up a payment for X/XX/17 for the amount of XXXX $ ( all I can afford ). He asked about my phone info and I told him that I give it every time I talk to someone from this company. They do n't save my basic information. My mom goes online and it says that my payment of XXXX $ is past due. So having been told of numerous different numbers, I do n't know which one to believe. They call at all hours of the day and night. Never leave messages. And after I make a payment they blow up my phone again. I cant deal with the harassing calls, the lack of knowledge how to save basic information. It 's causing stress and my lack to finish my degree, I 'm only 5 classes from completing. Please help me get through to these people. I 'm tired of dealing with them.
Consumer complaint received 2017-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

XX/XX/XXXX I received a letter from Wakefield and Associates stating I owed {$1200.00} from an ambulance ride to XXXX Hospital that occured earlier XX/XX/XXXX. I contacted the collection agency and disputed with them that this was not my debt. The name on the letter, the date of birth and address were NOT MINE. I have never been transported to a hospital by ambulance. I called the collection agency back twice, never received a call back and on my third attempt finally got a hold of a man and explained they contacted the wrong person. The man said he would like into it further. As of XX/XX/XXXX I now show it in collections on MY credit report.
Consumer complaint received 2017-08-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (NE)

In XX/XX/XXXX i filed for Chapter XXXX Bankruptcy, 4 years later i still was struggling and became homeless with XXXX children, it was at that time I converted my Chapter XXXX into a Chapter XXXX Banruptcy in XX/XX/XXXX which was granted i also received special hardship cosiderations which aloowed me discharge 2 small student loans for for {$870.00} and the other for {$1100.00} through bankruptcy which I promptly provided to the dept of education as well as the XXXX credit agencies, XXXX, XXXX and XXXX which they all updated on my credit file included in banruptcy upon receiving to proper documentation. every couple of years i notice they would re-age the debt and take off that it was including in bankruptcy which has constantly kept me resubmitting the same bankruptcy paperwork to specifically Equifax as once again I have noticed as soon as the bankruptcy hit the 10 year mark those same 2 debts were relisted as active debts once again. I dont understand why Equifax keeps doing this even after i have continued to provide documentation to the to correct these errors..
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MA)

My mortgage company allegedly paid my property tax payment but the XXXX XXXX XXXX N.H. said they did not receive it. The XXXX told me they would put a lien on my property if I did n't pay it immediately. I paid this out of my pocket and I am now out {$1300.00}.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Back in   XXXX   I contacted CFPB regarding my JcPenny account with Synchrony Bank. Here is original complaint : " Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud. The problem is with my former JcPenny card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as 30 days late on my  XXXX  credit report. I was assured that the report would be corrected and the 30 day late would be corrected and removed. To date, this has not been done and  XXXX  is showing as 30 days late, breaking their promise to me via the letter received. FIX IT! '' I received hard copy letter via postal mail on  XX/XX/XXXX and   XXXX   XXXX  , 2017, that they were updating the bureaus to reflect current closed status and not past due. The problem has never been fixed, as my bureaus are reporting STILL as closed Past Due. I highly suggest this be fixed immediately, without further lies and B.S. - I was told this would be taken care of, and shocker, it has not been. " " in our previous response dated   XXXX   XXXX  , 2017, we requested all major credit bureaus delete the late payment associated with this account from your personal credit history. You were informed that the updates to personal credit report may take up to 60 days. '' - Its now past the 60 days!!
This is ridiculous and shameful that a large retail bank, lie and deceive, to get out of trouble.
I have contacted my lawyer, and will follow up with legal action if ALL bureaus are not updated and corrected within 30 days of this complaint. CFPB get of your lame  XXXX  and follow up on this, not just take the easy way out.
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

* Over the course of a year, Wells Fargo had been accepting Interest Only payments as I negotiated with them during efforts to reorganize personal finances.
* Wells accepted the I/O payments every month until recently they demanded back-dated principal, without notice, and threatened foreclosure if not paid immediately. * The above statement is contradicted by their acceptance and advising to make I/O payments, whilst also being cycled through their Home Preservation program qualifications.
* I now qualify for their Home Preservation program which would ensure no derogatory outcomes, and have been willing and able to continue paying on same terms. But then they do n't respond to me after providing me with the qualifying conditions, which I meet. * I have made great efforts to find resolution but always met with misleading, ambiguous, and inconclusive responses from multiple departments within Wells Fargo. * They are violating the terms of agreement and although I have demonstrated willingness, and qualifying factors for resolution via Home Preservation Program, they are denying me any clear response and verbally aggressive with foreclosure " intent '' when I speak with them. But then get different responses from other divisions that contradict their aggressive foreclosure threats.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have two accounts reporting to my credit. XXXX XXXX is reporting to my Equifax and XXXX/XXXX is reporting to my XXXX. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with XXXX that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion
Consumer complaint received 2017-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have asked for validation of this debts multiple times. They keep saying it vaildated without sending my documentation I am requested. By law they are suppose to have my contract on file. They are breaking the federal law by not proving this debt is mine and keep reporting it to my credit.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I use a company call   XXXX   XXXX   for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.