davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

JPMOrganChase told us in XX/XX/XXXX we had an escrow shortage of {$360.00} and we could pay it off by XXXX/XXXX/16 to keep our mortgage payment the same. By the time XXXX XXXX came, we had changed our homeowners insurance policy to renters and it should have produced a lower mortgage payment. I called 1st thing in XX/XX/XXXX to find that it had n't. The chaos started on XXXX XXXX with the 1st person I spoke to ( for which I have names/dates/times ) saying she would put a hold on the XX/XX/XXXX payment so I would n't incur a late fee while she conducted an investigation including another escrow analysis. She also said that back in XX/XX/XXXX they paid homeowners insurance, then renters last month, so that they paid twice and that was the reason for the high payment/shortage. That turned out to be false. They were reimbursed for paying the homeowners insurance in XX/XX/XXXX. She also changed her mind in the same conversation stating we could pay the old amount in the meantime rather than the " hold ''. The new result sent to us a couple of days later showed an almost tripled escrow shortage and we have to pay that by XXXX/XXXX/16 to get a lower payment. This next pair of reps said this was because more time elapsed between the 1st escrow analysis and 2nd leaving the shortage unpaid. The last rep said I could pay the last mortgage payment amount for up to 2 months. I did and added {$150.00} toward the escrow shortage. Tuesday I received a call that she was mistaken and we were not permitted to make the lower payment, we had to make the higher one reflecting that we did n't pay towards the shortage and the money we paid towards the shortage was applied to the principal! I had to call yesterday to fix that and they said it was being fixed " as we speak ''. Each representative apologizing for the last 's " mistake '' and saying that they " should n't have said that, I do n't know why they did ''. Sounds to us that they are either highly under-trained or making it up as they go along! As of today, the now {$98.00} ( taken from the {$150.00} to make up the difference to pay the higher mortgage payment ) has NOT been applied to the escrow shortage. Please help CFPB, for whom do we turn to when a big corporate enterprise such as JPMOrganChase takes over our hard-earned cash like this? I 'm a low-paid teacher and my husband a blue-collar worker employed by a town municipality.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.
Consumer complaint received 2017-08-28
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: Experian Information Solutions Inc. (CA)

EXPERIAN is reporting in valid accounts on my credit report I have requested their investigation procedure according to the FCRA U.S. Code Title 15 Chapter 41 Subchapter III 1681i 15 U.S. Code 1681i - Procedure in case of dispute They continue to ignore me
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

THIS COMPLAINT IS AN EXTENSION TO A PREVIOUS COMPLAINT FILED REGARDING MY SHORT SALE WITH MY MORTGAGE COMPANY AND THERE NON COMMUNICATION WITH ME REGARDING THE PROCESS AND PROCEDURES FOR LOSS MITIGATION. MY COMPLAINT WAS NOT ANSWERED IN A SATISFACTORY MATTER BUT IT DID PROMPT THE COMPANY TO AT LEAST RETURN MY CALLS REGARDING MY SHORT SALE. I HAD BEEN TRYING TO SALE MY HOME WITH A REAL ESTATE AGENT AT NO PROFIT FOR 2 YEARS PRIOR TO APPLYING FOR A SHORT SALE WITH NO LUCK. AT THE TIME OF MY FIRST COMPLAINT I HAD A VERY GOOD OFFER FOR {$160000.00} AND MY PAYOFF FOR MY 1ST MORTGAGE WAS {$140000.00} WITH A 2ND MORTGAGE LIEN OF XXXX AND ANOTHER HEAT PUMP LIEN OF XXXX. I WAS NOT GETTING ANY RESPONSE FROM MY 1ST MORTGAGE COMPANY AT ALL REGARDING THE SHORT SALE. MYSELF AND MY REAL ESTATE AGENT WERE CALLING EVERYDAY. ALL OF OUR PAPERWORK WAS IN AND NO ONE WOULD RETURN OUR CALLS UNTIL I FILED THE COMPLAINT. ONCE THE COMPLAINT WAS FILED THEY RETURNED OUR CALLS BUT STILL DRUG OUT THE PROCESS AND WOULD NOT ACCEPT OUR OFFERS SO WE LOST OUR BUYERS. SINCE THAT OFFER WE HAVE NOT HAD ANYTHING CLOSE TO THAT OFFER AND NOW AGAIN THE MORTGAGE COMPANY WILL NOT RETURN ANY CALLS ON ANY OF THE SUBSEQUENT OFFERS AND EVERYONE SUBMITTING OFFERS ARE WALKING AWAY BECAUSE THEY DO NOT WANT TO WAIT WITH NO RESPONSE FROM MY MORTGAGE COMPANY. I AM NOT IN GOOD HEALTH AND CAN NOT HANDLE THE STRESS THAT THE MORTGAGE COMPANY IS PUTTING ME THROUGH FOR THE SHORT SALE OF MY HOME. I HAVE APPLIED FOR A DEED IN LIEU INSTEAD OF A SHORT SALE AND HAVE SUBMITTED ALL OF THE PAPERWORK THAT THEY HAVE ASKED OF ME. I NEED HELP TO GET THIS PROCESS COMPLETE AND I DEFINATELY NEED THE MORTGAGE COMPANY TO CONTACT ME BACK TO EXPLAIN THE PROCESS AND MOVE QUICKLY TO GET THIS APPROVED AND COMPLETED SINCE THEY HAVE CAUSED ME SO MUCH GRIEF WITH LITTLE TO NO ASSISTANCE IN REGARD TO THE PROCESS IN MY STATE. I FEEL THAT I HAVE LOST SEVERAL RESPECTABLE OFFERS ON THE SALE OF MY HOME DUE TO THE NEGLIGENCE OF THE MORTGAGE COMPANY AND THAT IT IS THE DUTY OF THE MORTGAGE COMPANY TO FOLLOW THROUGH AND WORK DILEGENTY TO APPROVE THE DEED IN LIEU SINCE THE OFFER OF XXXX WAS LOST DUE TO THEIR LACK OF WORK ETHIC IN THIS MATTER. ALSO ON MY LAST BILL THERE WERE CHARGES FOR " REPAIRS '' TO MY HOME THAT WERE EQUAL TO ALMOST {$500.00}. WHEN I CALLED TO INQUIRE ABOUT THESE CHARGES I WAS TOLD THAT IT WAS FOR WINTERING THE HOME, MOWING THE LAWNS AND RE-KEYING THE HOME. I EXPLAINED THAT THIS WAS NOT TRUE SINCE I WAS STILL PAYING THE WATER BILL, WATER STILL RUNNING THROUGOUT HOME, NEIGHBOR WAS MOWING LAWN AND REALTORS STILL SHOWING HOME WITH SAME KEY. THE CUSTOMER SERVICE DID NOT HAVE THE ANSWER FOR ME. VERY UNETHICAL. I NEED ANSWERS. ALSO THE MORTGAGE COMPANY TOLD POWER COMPANY BACK IN XXXX THAT MY HOME WAS IN FORECLOSURE AND THEY TOOK OVER MY POWER BILL. I FOUND THIS OUT WHEN I WENT TO PAY BILL. MY HOME IS NOT IN FORECLOSURE AND NOT EVEN PRE-FORECLOSURE. AGAIN, NO ANSWERS WHEN I ASKED MORTGAGE COMPANY ABOUT THIS!.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

XXXX of XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution. This is on my experian credit report file.
Consumer complaint received 2017-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (GA)

The Collection agency sent me a notice they were collecting on behalf of a creditor, I responded within 30 days with the request to validate the debt. The Collection agency never responded in violation of the fair credit reporting act, and continued on a monthly basis to send me Billings. I requested that validation of the debt three more times in the past year and the company has never responded. They accessed my credit report through the XXXX bureaus and additionally they placed a collection notice on my credit in spite of the fact that they never responded and validated the debt. At this time I have filed a civil action against the collection Agency for violation of the fair credit reporting act for accessing my credit without permissible purpose and also for placing invalidated information on my credit bureau report which has caused my score to drop substantially.
Consumer complaint received 2016-07-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: J J Marshall & Associates, Inc (TX)

I have been trying to get validation of a debt that is being held by JJ Marshall & Associates.What they sent was a print screen and what is reporting on my credit report does not even match what they supplied. Also I asked for a break down of fees, payment history and copy of the signed legal agreement and again the only sent me a letter and print out screen.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I have asked Professional Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from National Credit Systems Inc. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against National credit systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I was tricked into selling a house owner finance. The house is on the verge of foreclosure and the current " owner '' refuses to pay on time. Wells Fargo refuses to foreclose and calls me everyday from multiple numbers asking for a payment I have n't made in 4 years. Its destroyed my credit and I ca n't begin to buy another home with an existing mortgage on my credit. 

I have been impersonated to Wells Fargo by investors on this property to gain information about this account and possibly others and Wells Fargo has taken no action to protect my accounts and I have reason to believe that the bank is contacting other people asking for payments on this account, people who have no right to my account information.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (NC)

When I requested my free credit report from Experian, I paid what I believed to be a {$1.00} fee to obtain my XXXX digit credit score. What I did not know was that Experian also enrolled me into a {$21.00} monthly " membership '', which I still do not even understand what the purpose was. I was charged for two months service without noticing the charges, and finally noticed and requested a refund. The company took several days to respond to my request to cancel the membership, and only refunded XXXX of the XXXX charges.
Consumer complaint received 2016-04-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IN)

Loancare LLC states I missed a payment, did not pay correct amount, charges late payment fees every months, when I have banking documentation clearly showing I have paid on time every month. I contacted them when I received credit bureau report that I was two months delinquent on mortgage. They never once contacted me to discuss. Each phone call with them they tell me a different story, and continue to charge late fees, even after I have sent them documentation three times showing payments on time.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (TX)

I had inadvertently sent an overpayment to US Bank which I requested a check refund. Instead of honoring my request or inform me that they could n't, they sent the payment back to my XXXX which they ca n't find the refund. US bank has requested a trace number but it 's meaningless to the bill pay provider. Now I 'm out of {$680.00} due to US bank 's oversight and lack of due diligence.
Consumer complaint received 2017-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (GA)

Within the past couple of years, I have has so many issues with the student loan servicer NELNET. It all began in XXXX XXXX, this was my last semester in school. My parents had already warned me that I needed to make sure that I filed for a deferment or set up a payment plan because the damage that student loans could do to your credit would be life changing. I began being contacted via mail in early XXXX XXXX about my loan payments and I quickly went off the information needed for a deferment. I never received confirmation that I was approved or denied. The lettters stopped and I did n't worry. In XXXX of XXXX, I received a letter informing me that Nelnet was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate set up payments and asked why I had n't received any letters regarding the end of deferment. At the time I was informed by the phone representative that she did not have access to that information but with automatic payment the late-payments would be removed within a year. Since XXXX XXXX, I have been in constant turmoil with Nelnet. I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXX XXXX via an email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation for anyway. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just XXXX it up and deal with the damage toy credit.
Consumer complaint received 2017-01-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer Services repossessed my car two times. The I was unable to make payments because I was on XXXX and my doctor was negligent in filling out my XXXX forms, which caused a delay with my payments. I sent Wells Fargo Dealer Services hardship letters along with proof, asking for leniency. My car was repossessed for a second time and I was required to pay my remaining balance in full. I tried to inform Wells Fargo Dealer Services that I was on XXXX and my payments were being delayed because of my doctor. Wells Fargo Dealer Services was malicious, very rude when speaking, and unwilling to help my situation in any way.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had a legal name change in XXXX and another legal name change in XXXX with a divorce back to my former name. I want the credit report to be in my current legal name and show the other name from XXXX as an also known as name. I have spend 2 years trying to get TransUnion to correct my name on my credit report. The only accounts I have have been reporting my credit in my current and correct name. TransUnion says they can not change my name, but I have to have the creditors report it to them. All the open accounts have reported as my current legal name, yet TransUnion continues to insist on refusing to have my current legal name as the primary name on their credit report and continue to use at the AKA name as primary. I am concerned that other persons with my former name at my former address may have the opportunity for identity thief. I do not want an old AKA name as the primary name. TransUnion continues to refuse to correct my personal information saying it is the responsibility of my creditors.
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: EdFinancial Services (PA)

My current loan provider is Ed Financial. I consolidated my federal loans with them in XXXX XXXX. I have been paying my loans back on a graduated repayment schedule since XXXX XXXX. The payments increase every 2 years on this repayment plan. I had been on the year 8 ( payments XXXX ) repayment category when I went out on maternity leave in XXXX XXXX. I did n't make payments for XXXX XXXX and XXXX XXXX ( after discussing this with my loan provider ). At that point I had " paid ahead '' and did n't have payments due for 3 months. When I returned to making payments in XXXX XXXX, they returned to listing my graduated repayment " amount due '' in the year 1-2 ( payments 1-24 ) category. But I am paying at the year 8 category ( payments XXXX ) as I had been. Since I am paying more than what is " due '' per this reset calculation, they are listing my next payment due date as XXXX XXXX. I have asked that they place me into the appropriate payment tier for repayment, so that my payments will increase every 2 years on a graduated schedule. I was told that my payments will not increase every two years ( unless I remember to change my payment every 2 years ) since I am now considered to be " paying ahead ''. They told me that they just ca n't increase my monthly payment every 2 years and that this would " cause more problems and hurt more people that it would help ''. I explained that I wanted them to provide me with an accurate payoff date based on the amount I am currently paying, with an increase every 2 years. I told them that my goal is to pay off my student loans faster. They told me what I am asking them to do is " hypothetical '' and they do n't understand why I would want them to do this. They offered to give me a monthly payment of around XXXX dollars for the next XXXX payments. I told them that again, my goal was to shorten my repayment term, not lengthen it. And I pointed out that if I only paid XXXX dollars for the next XXXX payments, this would lengthen the repayment, not shorten it. After spending 2 hours on the phone, with XXXX different people at EdFinancial, I was left with being told to find my own amortization schedule online by googling it so see how I could pay my loan off faster and estimate the maturation date of the loan. They also failed to provide me with an accurate maturation date for the loan. They continue to provide me with a maturation date based on the payment tier they are listing me in ( years 0-2 ) instead of where I am currently paying and would be projected to increase every 2 years. I expressed my frustration and concern to EdFinancial and even requested to speak to a supervisor, who was actually the one who told me to look up an amortization schedule online myself. I explained to them that I have another student loan provider who provides me with payoff information in real time based on my current payment. Again, I was informed they could not provide me with this information.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alorica Inc. (FL)

WEST ASSET MANAGMENT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WEST ASSET MANAGMENT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WEST ASSET MANAGMENT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I have been compliant with payments and my overall loan amount is not decreasing. When I call to inquire about it I get a vague answer as to why my loan amount owed continues to increase. Ive expressed numerous times that I ca n't afford the monthly obligation and i am very unhappy with the services. The reps do not provide you many options when speaking with them in regards to lowering your payments