davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Please do not assume this is a duplicate because it contains a different dispute and problem that I 'm having with Portfolio Recovery Associates. This company has been sued for their illegal actions FDCPA more times than one can count. They are on my credit reports for a debt that I do not owe. They lied about sending me any notice of the debt and continue to report unverified information on my credit report. I 've already taken action against them for calling my job several times after beining notified not to. They claim to have sent a notice to me concerning this, but will not answer a simple question as to where they sent the notice to. I 'm not asking them to verify that they know my name and social security number, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit. This accounts does not belong to me. In order to open an account an application for credit would have been completed, drivers licence also. I 'm asking for any of that. Neither company can provide that because I have never applied for this credit.
Consumer complaint received 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (KY)

Hello, I cosigned a student loan back in college for a roommate of mine. Though now I know this is a risky situation, I did not know at the time. Recently, I applied for a job in which I was offered a position but once a credit report was obtained, I can not be hired until the student loan is not late. I am just the co-signer and can not make payments on it. I am trying to start my life anew, as I have a baby on the way ( due in XXXX XXXX I NEED the income. I know for a fact that the borrower has a job and is able to make the payments. What should I do?
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

I have a mortgage loan with Greentree ( XXXX ). They sent me a letter last year and again this year in regards to cancelling the PMI. The letter says it can be cancelled after the mortgage reaches 75 % of appraised value and further states that appraised value is what was origannlly valued at. 
They say in a letter last year that they want me to pay for an appraisal first. This does not make any sense.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (CA)

I purchased this home around XXXX XXXX XXXX with the intention of living here with my daughter, her husband and children. Little did we know at the time that the economy would take such a drastic turn for all of us. We attempted to manage as we have always stuck together as family, but the constant loss of employment and reduction in income finally took its tool. XX/XX/XXXX my son in law 's work was reduced and finally ended XX/XX/XXXX. This caused us to fall behind on the mortgage to the point that in XX/XX/XXXX I received a foreclosure notice. Fearing that I would lose the home and afraid to deal with some of the scams going on in the news I hired an attorney to see if I had an opportunity to keep the home. This ended up costing more money than what I had and finally ended up doing nothing for me as I was asked by my attorney to file chapter XXXX bankruptcy but this was dismissed from court in XX/XX/XXXX. During that same year my daughter and her husband separated and he moved out leaving us with less money to manage the household expenses. All I want is to have an opportunity to keep the home that we have fought so hard to get. My income along with my daughter 's and grandson should be able to manage a reasonable payment for us. We have seen that other people have applied and received assistance and at times they have worse situations than we do. I have attempted to talk to Central Mortgage Company to see if I 'm eligible for assistance and they only transfer me to other departments where I have to leave a message and no one except the collections department answers demanding that we pay what is owed. I really do n't know where else to turn. I was told to write to you but I fear it might be a little too late as they have my home scheduled for foreclosure sale on Friday XXXX XXXX XXXX at XXXX XXXX. I really do want to keep my home and a modification program or principal reduction program might be my only hope I have. Please help me at least get a fair chance to be reviewed for this.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (TX)

Continuous calls to cell after being advised and requested on multiple occasions to cease and desist. Requested proof of debt as stated by the FDCPA yet debt company refused. Representative " XXXX XXXX '' threatened a law suit if action not taking. Calls to cell 3-5 times daily for the past 8 weeks.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (FL)

My mortgage was transferred from National CITY XXXX to PNC Mortgage holder. PNCrefuses to correct principal/interest payments on my mortgage. The incorrect applied payments continues to consistently be redirected on the amount owed on the loan. Theseactions over the past nine years promotes REDLINING.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Central Portfolio Control Inc. (TX)

These people keep calling me about an account I never opened. They say they are going to send me a letter with information about disputing the debt but it never comes. They 've also given me different dates it was opened ( they originally said XX/XX/XXXX but changed it to XX/XX/XXXX after I told them I paid off all my cards in XX/XX/XXXX ). They 've also given me a different balance amount every call from {$580.00} to now {$5500.00}! It 's so obviously a scam but they keep calling and the man who was just on the last call was so rude I had to hang up on him. I 'm shaking and upset. I ca n't take this anymore. I wo n't pay for something I did n't do. 
I paid off all my credit cards 10 years ago!
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I bought my first home a decade ago. At that time since I was given a XXXX ARM loan and the XXXX loan was a Line of Credit. After XXXX years I went back to Wells Fargo and asked them if they will allow me to have a 30 year loan so atleast XXXX years from the date of initial purchase and when I am XXXX years old the house will be atleast fully paid off and be mine completely. They sent me back saying you do not have enough savings, this loan is a different kind of loan that can not be refinanced. 

After that every year I have been approaching Wells Fargo to get me into a 30 year fixed interest loan they send me back with some reason or the other. 

This year I applied for a 15 year loan and I was again denied this time saying I do not have cash in my savings and checking account. 

The condo is worth {$680000.00} now according to XXXX ( which does not include the {$30000.00} of upgrades ). I owe about {$420000.00} to Wells Fargo today, started with {$490000.00} a decade ago. In XXXX years I have paid atleast {$200000.00} in interest to Wells Fargo. Have not missed a single payment ever. My annual salary is about XXXX now. I have about XXXX in my 401K. Still they denied me the 15 year mortgage and now I read in the papers that the interest rate is going up so the rate I was told I could have by Wells Fargo intially will not apply. So no way to own my house and in the future if I get a loan I will have to pay even a higher interest amount to Wells Fargo. 

It is Wells Fargo win win all the way. Even after me being a loyal customer, never missing a payment for more than a decade I can not still have a 15 year fixed mortgage loan on my house. 

Please help me CFPB. And thank you for listening to this plea.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2015-07-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Credit & Finance, Inc. (CA)

XXXX and XXXX attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the XXXX and XXXX office to work on the payment reduction and payment plan. But the guy named XXXX only gave me very short time frame XXXX months and each payment is over {$1300.00}! That is a such high monthly payment in addition to my other family expenses! Despite the current bad economy, they do n't give you a chance to catch up and they said it will be a legal action if missing the payment. There is no room for negotiation nor longer time frame such as XXXX months or XXXX months like XXXX XXXX gave me. These are XXXX are taking advantage of us during the bad economy. If I could come up with extra {$1300.00} after all my family expenses, I would not be in this situation.
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NY)

I have a Discover card that I no longer use or have a balance on, and today I got the following email from them : '' XXXX XXXX, your Discover card 's built - in benefits are streamlining on XXXX 2015At Discover, we want you to be happy. That 's why periodically review the valuable benefits that are built in to your Discover card. We have decided to retain some benefits - like purchase protection and price protection - and discontinue others. 

What this means for you : Effective XXXX XXXX, 2015 Discover card will discontinue the following benefits : XXXX Travel Assistance, Baggage Delay Insurance, and Emergency Roadside Assistance. If you have a loss or incident that occurs on or after XXXX XXXX, 2015, it will not be covered by these benefits. 

Want to learn more? 
See all your card 's built-in benefits at Discover.com/cardbenefits. " This seems entirely misleading. They want me to be happy, so they are removing some benefits. They put that jumble of sentences before the actual change just to make it seem like they were n't taking something away.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.
Consumer complaint received 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Student Assist Plus LLC (IN)

I paid a company by the name of XXXX ( XXXX XXXX XXXX XXXX ) a lump sum of money to start a loan consolidation for me. I found out last week that none of my loans were not consolidated and never have been and I recently filed a complaint on them. Today I 'm filing a complaint on Student Assist Plus witch is a company that XXXX works closely with. I have been paying Student Assist Plus {$30.00} through automatic debt from my checking acct for the loan consolidation. I found out that none of my loans have never been consolidated through XXXX witch is the company mu loans are through. A young lady from XXXX called me about my loans being late again I told them my loans are consolidated. The young lady tells me it is not in her system that they are. I have heard this before. I recently called Student Assist Plus about the same thing, telling them that XXXX has called saying my loans are not in consolidation. The man from Student Assist Plus told me that XXXX is just trying to scare me into paying my loans through them and ask me to fax the papers XXXX sent me. So I did and never heard anything from them. Well this time around XXXX calls again and says the same thing my loans are up for payment. So I explain to the women my loans are consolidated, she says she does not see that information, I began to get upset and ask why do they call me all the time when I have paid to have my loans consolidated. The lady transferred me to XXXX XXXX XXXX. I spoke with a lady there who looked up all my loan and told me my loans are not in consolidation and never have been. Again I spoke with Student Assist Plus and I ask for them to refund me my money that have been drafting out of my account and also the lump sum of money I had to pay to start the consolidation.
Consumer complaint received 2015-10-21
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

I have direct deposit with Rushcard, and I was out of town and my card would n't work. When I tried calling Rushcard 's XXXX number, I could not get anyone to answer. My latest deposit should have been deposited on XXXX XXXX, 2015. It was not until I was able to make it back home with no money that I realized that my card would n't work anywhere. Then I discovered I could not access their customer service, and I could n't go to an ATM to withdraw money and I am now behind on all of my bills. I can not get any of my money out from my direct deposit once I finally was able to go online ; it shows that they reactivated an old expired card and placed money on it, but now since I do n't have the card anymore and it 's no longer valid, my money is still locked up in their system! I am past due on all my bills and now I 'm having to borrow money to get to work. Their false promises on social media asking for my name and address and phone number to call me is getting no results, because no has contacted me since all of of this has happened. Please help me recover my hard-earned money ; this is my last resort!
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XXXX XXXX, 2015, I attempted to submit a dispute regarding XXXX items on my TransUnion credit report : XXXX for XXXX Bank and the other for XXXX. I made it all the way to the uploading supporting documents for my dispute and hitting the " submit '' button, but at that time, I received a notice that TranUnion can not process my dispute online and that they would mail me information on how to complete my dispute via regular postal mail because my dispute required a " manual review. " I have made countless complaints against TransUnion and their practices, and as such, they have had me assigned to a " special handling unit '' each and every time I call. In other words, because I am exercising my right to complain about them, they are now retaliating against me by slowing down the dispute process and forcing me to submit my entire dispute by postal mail. 

This would n't be a problem ; however, in addition to their retaliation against me, this also slows down the dispute process and continues to negatively impact my credit file and credit score, as a result of mail time and manual processing, which is a complete lie on their part. 

There is no good reason why I can not have my dispute processed online like everyone else. TransUnion is directly retaliating against me because of the numerous complaints I 've made against them over the years, which now has boiled down to negative, inaccurate information remaining on my credit report.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Was never late on payments ... needed a extension of XXXX payment because or the IRS payment. on payoff day it was outrageous amount of XXXX ask for a settlement amount because i had already payed the principle part in full immediately I never could get payoff. they never sent my title for 3 months and filed this report did not say or warn me this could or would happen. Or I would have paid the STUPID {$280.00} for there cheap shot. and its 6 years NOW
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (LA)

I set up automatic payments for my credit card. Payments are due on the 3rd of each month. They're only supposed to take the monthly minimum payment which is roughly about {$200.00}. On XX/XX/year>, they took the whole amount owed on the card ( {$7300.00} ) instead of the minimum monthly payment without my permission. This overdrew my checking account by {$5300.00}. I called to resolve the issue on XX/XX/year>. They said that they were unable to assist my until the payment was done pending. Furthermore, they said that IF they were able to issue a refund after the pending process, it would take at least 7 business days to process. I told them that this was there mistake and that they need to cancel the transaction. They said that they were unable to issue a refund. This means I'm going to have negative {$5300.00} in my checking account for at least 7 days. During this time, I have other bills to pay! This isn't right. They need to refund the money now. They should have only took the minimum payment like they were supposed to!
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

Rushcard users like my self have ben waiting on there deposits for over 2weeks. I usually get some of my check from my employer. To cover gas or food during the week. An maybe pay my phone bill. But the card is now inactive an it does n't have my direct deposit on it. Im confused.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Currently I am a New Jersey home owner facing difficulty involving my mortgage company in obtaining a loan modification. This all started in 2011 when the present mortgage company purchased my loan. After continuous failure to achieve this goal and contacting various credit counseling agencies for assistance they continuously keep dragging their feet and finding loop holes. The latest issue is having their appraisal company perform an appraisal on my property, whose composites where more than half a mile or better away and valued at less than half of another reputable realty company with composites in my immediate area.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OR)

There are addresses on my credit report that I have never lived at. The addresses are as follows, XXXX XXXX XXXX XXXX, XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Please these need to be investigated and then removed. I am trying to get into a home to even rent and can not due to these addresses being on my credit report. Please remove!!!
Consumer complaint received 2015-08-03
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I initiated a transaction through bill pay and paid Capital One two times. Because of this, I contacted the cc on XXXX and asked that my funds be returned to me. I was told on the initial call that it would take 1-2 business days for the trans to be processed. It is now XXXX and I have spent hours on the phone with this company and my transaction is still not in my account. I was given several time tables throughout the process. According to their files, the transaction to return my funds was completed at XXXX on XXXX/XXXX/15. The bank they are transferring the funds to is XXXX Bank. Historically, all transactions appear on the homepage of my internet banking as pending as soon as they arrive at the bank. I have been on a number of conference calls with Capital One and XXXX Bank to confirm there is no transaction for the refund of {$480.00}. Today I spoke with XXXX ( id # XXXX ) who told me he was the top of the line to speak with on the phone. He was unable to transfer me or give my information to his supervisor to have them contact me. He also told me that my bank needed to contact XXXX which is the XXXX party that processes the ACH, because Capital One has done everything they can do on their end and are now washing their hands of responsibility. They gave me information to FAX an escalation letter for complaint but that it is now XXXX responsibility to make sure that I get the funds transferred into my account. While customer service representatives have attempted to be kind, none of them seem to project any sense of urgency ( with the exception of XXXX, who escalated my refund transaction to be processed in the first place after the maximum number of days XXXX. I have been promised a number of times that I would receive a call back from someone and have not received those calls. Capital One has always been helpful in making sure they are accommodating when it comes to them gettting their funds but now that I need my funds, it is no longer their problem.