davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I asked to break my lease in the apartments that i resided. So they asked for {$1000.00} dollars as a fee for breaking the lease. I paid that money plus the rent of that month. I left the apartment by the end of XXXX and they said said that the apartment will be leased at XXXX so you have to pay remaining balance till XXXX. I figure out that they are charging me {$4600.00} of rent for XXXX and XXXX and XXXX. The lady working told me i only pay for XXXX. So i want to dispute these extra charges and complain.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (MN)

Working a short sale for XXXX of our clients. File was submitted to the jr. lien holder on XXXX. On XXXX we received XXXX lien approval in which the approval letter expires on XXXX. There has been no contact to the law firm from BSI except for a couple of occasions. On XXXX BSI was informed that the XXXX lien approval letter expires on XXXX. On XXXX BSI was contacted for an update - no updates were made to the file. On XXXX was advised that the file was submitted to the investor for approval and to allow 10 business days for the approval letter to be received. As of today XXXX we still have had no contact from BSI to the approval and not approval letter has been received. This is unacceptable.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Bank of America, specifically a Master Card. The letter also says it is a " special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer.
Consumer complaint received 2017-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I am writing to document a formal complaint against SLS and XXXX mortgage servicing companies. 

Recently, SLS ( Specialized Loan Servicing Company, www.sls.net ) purchased my mortgage from my previous lender, XXXX ( XXXX ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by SLS ' reviews and XXXX online. 

On XX/XX/XXXX, payment from SLS to XXXX went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, XXXX also auto-drafted the monthly payment from my checking account. XXXX does not have record of this on my online profile and they have not forwarded this payment to SLS as both companies have said they would through the transfer process. 

XXXX now has sent my to a debt collector for failure to pay my XXXX payment and plans to auto-draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor SLS offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that SLS has created during the weekdays.
Consumer complaint received 2017-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I have spoken with Navient on several occasions. The first time I spoke with a guy and I am assuming he pulled a TLO because he knew who lived in my household. He then told me  Navient will g o after mother and my sister because they are co-signers and they are n't. I have explained to them that I can not afford to pay them {$1100.00} only {$200.00} will go to the principal ... so they did an income expense they see that I barley have {$100.00} left over and they still want me to pay {$350.00}. They call me all the time today they called me twice in the same hour. They want me to pay {$150.00} to refinance the loan and my payments will start over in  XXXX  and I will be back in the {$1100.00} boat. I ca n't afford to prolong the situation.
Consumer complaint received 2017-05-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Email    X/XX/2017  I need you to send me the mortgage statement. This account page has the mortgage account number trunca ted. If I do n't have the complete account number along with the current amount due, I can not pay the mortgage on my house. It is unbelievable that  Wells Fargo  is giving me such a hassle over this. I never heard of a Bank/Mortgage company refusing to send statements to the owner of the house. I quit receiving proper statement to pay from months ago. I contacted  Wells Fargo  and they offered to   1 time fax me the current statement. However, I do n't have a fax machine and Wells Fargo refuses to send me statements by US Mail. This is why I am filing this complaint.
Are you ( Wells Fargo ) t  rying to create a mortgage default on my house?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management calls me two or three times a day at work trying to collect some debt they say I owe. I have asked them to stop calling me at work a repeated number of times but they continue to call. The latest call was this mornin g, Wed  XXXX   XXXX  at  XXXX   XXXX , The man gave his alias as  XXXX   XXXX  and number as  XXXX   XXXX   XXXX . So far they have been polite but there calls are interfering with my job and they need to stop.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

I received a summons but never received any prior notification on the attempt to collect the debt. Was not given the opportunity to dispute, validate or pay this debt. I only knew about the summons because I was contacted by a  3rd  party. There is also no validation of the debt in the court documents.
Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (NY)

I have attempted to contact Peaks Private Loan over the years. They have wanted me to pay {$350.00} a month which I could not afford and the time and I still can not as I have XXXX other loans that I am trying to pay back to the best of my ability. At first they told me that they are not able to decrease my monthly payment. As time when on I was told that nothing can be done now as I owe a {$5000.00} Balance to bring the loan current. Last time I reached out to them they said that there was nothing that they can do because that private loan was sent to a collections agency. I have looked back into this from the paperwork I have. I have never signed for this loan it appears that XXXX took it out with out telling me that it would be a separate loan from my Federal Loan. The few sheets of paperwork that I have show that the money was sent directly to XXXX XXXX XXXX and not for my classes that I took. I was never sent paper work stating what Classes that the loan paid for. I also have my Federal Loan that shows that it paid for all of my classes except for 2 semesters that a XXXX {$10000.00} loan was taken out that was informed about. I believe that I am a victim of an XXXX Fraud Scandal, I remember signing for and giving permission for my federal loan and the {$10000.00} loan for when I was not able to get finical aid but I have never and would never sign a {$40000.00} private student loan.
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

I am a victim o f Hurricane   XXXX  (  XX/XX/XXXX ) and my home was declared a total loss. I qualified for the flood insurance ( sitting in escrow with  the bank  XXXX   XXXX   ). No mortgages were paid because no home exists from the severity of the damage. We were negotiating a new mortgage, as I was waiting to get a release of a Grant from the NJ Government ( RREM ) to rebuild my home. All was good UNTIL th e bank sold the hundreds of bad "  XXXX  loans '' to a  3rd party bank (   Statebridge  Bank in Colorado  ).   IMMEDIATELY thereafter, I was sent a foreclosure notice AND they absconded with my {$130000.00} of flood insurance money!! Additionally, since I am  fully   XXXX  ( due to the losses of my wife/home/business/personal belongings ) and no longer able to work and to afford a high mortgage, I was forced to file CH.  XXXX . What makes this worse, it i s ILLEGAL for any l ending institution to foreclose on a  XXXX  Victim PRIOR to   XX/XX/XXXX !! So , the bank refuses to accept my offer of paying them off or recasting my mortgage to an affordable su m ( HARP Loan ). MY offer was 1 1/2 times OVER appraised  value!
Consumer complaint received 2017-03-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

My brother died XX/XX/XXXX. We were told to keep the Bank of America account open until his XXXX benefits were resolved. We started trying to close the account in XX/XX/XXXX. The last forms were signed XX/XX/XXXX, but still no money. We escalated to a formal complaint on XX/XX/XXXX. Still no money. They have an original death certificate & multiple copies provided via different methods over the past few months. XXXX XXXX XXXX at the XXXX XXXX, XXXX, VA, branch where forms were signed wo n't answer the phone & wo n't return calls. The " Enterprise Estate Unit '' contact of XXXX XXXX has n't communicated in days. We have no idea where the account stands, and no one can tell us why it ca n't be closed. We 've been waiting months & need this money!
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Empowerment Ventures, LLC (PA)

My name is  XXXX   XXXX  and I filed my tax return and got a  Rush Card  so I would n't have to disclose my banking information which now seems like it may have been a terrible idea. On  XXXX   XXXX  the amount of {$2900.00} was uploaded onto my  XXXX  rush card I was told that it would take longer for the money to be processed so I was n't even aware of the money on the card until  XXXX   XXXX . The next day I was then locked out of my rush card and i stayed locked out for a few days after that. It would not work and whom ever was responsible put a pass code on my account they also changed the address to an unknown address in Delaware, they then changed the email on the account to an unknown email. I regained access to the account they then provided the false address to me, I then changed the address back to my correct address, well at least I thought I did. At that time I was told by a representative that my dispute process had then started the date was  XXXX   XXXX  and once I filled out the form and sent it back I would be provided a provisional credit to my account in the amount of {$2500.00}.  XXXX  weeks later i still was not provided the credit to my account. I also made a request to receive the dispute form by email ( which they still had the wrong email and address ) because they said it would take  XXXX  days by mail, so I again made another request to change the email and address to my correct information for the second time. I faxed the form back  XXXX   XXXX  around   XXXX   XXXX    then called to confirm they received it, which they said they did. In between I called to check on the credit which I was told I would be receiving on  XXXX   XXXX  from  XXXX   XXXX   XXXX , then the  XXXX  as well. I was then told I would not be receiving the provisional credit and when i asked why they did n't have an answer for me they only said I would have to wait until they reached the resolution on the case which would take  XXXX  days so I was told to just wait. Frustrated and upset I waited again for another few weeks on  XXXX   XXXX    XXXX   XXXX   I called to check the status of the case i was then told there was no error found and that there was no  one  higher for me to take to and there was once again no explanation. i then contacted CFPB. A police report was filed the day the dispute was filed.
Consumer complaint received 2017-01-29
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (CA)

I have a PayPal account that has a negative balance of XXXX. I also have a PayPal Prepaid mastercard that I have my payroll and Social security deposited into. PayPal blocked my ability to login to my Prepaid mastercard account - barring my access to my account funds online. I called PayPal, Inc and was told there was nothing they could do because my PrePaid debit mastercard was connected to my PayPal account. They refused to allow me access to my prepaid mastercard account online.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

I have a debt from  XXXX  listed on my credit report that is in collections but I never had an account with  XXXX . The  Collection Agency Convergent Outsourcing , Inc. is   the  XXXX  reporting this debt on my credit file. I have used  XXXX   XXXX   XXXX  to try to get it removed as they have not sent any type of communication on when I actually did obtain this said account with  XXXX .  XXXX   XXXX   XXXX  was not able to get it removed as the collection agency is not responding back to them with proof that this is my debt.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My identity was stolen and used to open fraudulent accounts on or around  XXXX / XXXX / 17 . I 've made numerous calls t o Saks Capital One and wa s previously addressed on complaint  XXXX .     The company 's response stated it was not being reported on my credit report and that the inquiry would be removed.     My credit report just updated and fell over  XXXX  points due to the fraudulent account being reported. This is inhibiting my first time home purchase.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC. (TX)

AFNI- XXXX . - Reported on  XXXX   XXXX ,  2013  {$300.00} Item Results : Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (GA)

I contact ed Wells Fargo  Card Services, Credit Bureau  Disputes Division , via phone #  XXXX  and fax #  XXXX  to report that an account I voluntarily closed in  XXXX  had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided t o WF. Sinc e the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until  XXXX . On contacting the CRAs, I was told th at Wells Fargo instr ucted them to delete the record. I conclude that WF mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute.   Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the join t LOC i n  XXXX   XXXX  ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around  XXXX   XXXX .   For ov er 6 week s in  XXXX  and  XXXX  I worked tirelessly wi th Wells    Fargo to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old   credit report that showed a truncated loan number.  XXXX   XXXX   XXXX , a  Wells Fargo employee at the banks credit card executive office calle d me around  XXXX   XXXX  to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number,  XXXX , for my use in making future inquiries on this matter.   I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report.   It is my opinion that WF does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TN)

I received a letter postmarked  XXXX   XXXX ,  2017  from ERC " indicating a balance with  XXXX   XXXX   XXXX  '' that I am unaware of.     I responded by certified mail requesting information and verification of that debt.     ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility.     I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. 

Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.