davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I mailed a {$220000.00} mortgage payment in accordance with the instructions contained within the monthly mortgage statement provided by Dovenmuehle Mortgage on XXXX XXXX, 2016. Dovenmuehle received the check on XXXX XXXX, 2016. Dovenmuehle returned the check on XXXX XXXX, 2016. Dovenmuehle charged me an additional interest of $ XXXXbecause it did not post the payment. Dovenmuehle said it used procedures that were NOT DISCLOSED to me within the monthly mortgage statement.
Consumer complaint received 2020-05-25
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. (NY)

The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX XXXXXX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (GA)

Price of car different than list sent to chase auto. Terms of loan different than greed upon. Accident conditions paper e signed not by me. {$22000.00} down car trade in {$12000.00} XXXX cash on {$32000.00}. Fraudulent signatures..registration tags. Not my email, old license, address submit
Consumer complaint received 2015-05-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC (TN)

I have received several calls from a company called Advanced Capital Solutions about a payday loan that I supposedly received from XXXX. I have informed them on all of the calls that I am not aware of what loan they 're referring to & have repeatedly requested information in writing stating who I owed the money to, when loan originated, whenwhen the funds were deposited into my account, when they tried to withdraw the funds from my account & how much I owed. They said that they would send me an email which I never received. I then received another phone call today in which I asked the woman to send me the information via postal mail since I never received the emails that they supposedly sent & she refused saying that it would be too costly to the company to send anything through the postal service. I did, however receive an email but it only stated that I owed {$530.00}, it contained no other information that I requested. I suspect that this is a scam attempting to collect on a old debt or debt that I know nothing about.
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing. Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and have repeatedly requested duplicate information. SLS obtained all the necessary information to process my application in the middle of XXXX ; however, I received a letter dated XXXX XXXX, XXXX that my application is still under review. SLS is clearly delaying the process in an attempt to foreclose on my home.
Consumer complaint received 2020-05-25
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: Nelnet, Inc. (MA)

I see 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (IL)

Honda Financial services Illegally submitted Double car Payments and unauthorized to thousands Of its customers since as early as per some customers say since XXXX XXXX and Honda Financial services Knew and until today XXXX/XXXX/16 I was victim of such act and it was personally taken out illegally form my bank without Permission or authorization. I trusted My bank information on there site and Never agreed to auto pay, easy pay.. I solely Left that information so when I want to pay future payments and the information was stored. leaving I thought it was safe with a company so big to leave my bank information. I have lost all trust. This also created alot of problems when I was declined at animal Hospital.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (VA)

The original creditor was XXXX and they were paid directly a long months ago. XXXX said they notified the collection agency about the payment once it was received and they should have never put this on my credit report in the first place.
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

I seen some unauthorized transaction on my cash app account, I XXXX cash app phone support and it generated the following number XXXX the people from that number got into my account by making me download XXXX XXXX XXXX, from there they took all my money and closed out my cash app account. 
I XXXX the same thing and they changed the number to XXXX My cash app had about XXXX in it, I called because I was missing {$300.00} They managed to add more cash, One transaction for {$500.00} another for XXXX then they used XXXX to send {$500.00} to a person named XXXX XXXX with the email address XXXX So I am now out {$4200.00} I made complaints to cash app, they have no customer service I had to go through XXXX, then they finally responded, I got a case number on XX/XX/XXXX and they tell me that it takes 45 days to complete An investigation, on XX/XX/XXXX I got an email stating my case was closed as they havent heard from me, then when you respond to the emails you get an automated response stating they dont monitor that email address anymore. 
Now they dont answer my messages on XXXX or report me as a robot, I just want my money back and I am also seeking a lawyer I also received a black cash card with my old account name $ mltier that account was stolen from me and I dont know what to do with it. 
Also the person who stole my account changed the name to $ mltic and was requesting money from all my friends I have attached all photos
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I was attending a XXXX school in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which I had to take out a XXXX XXXX loan. The school closed and I continued to make payments and here it is, 16 years later, the loans are still outstanding. My loan needs to be removed or reviewed. I believe I 'm subject to an expensive subprime loan which prevents me to pay down my loans. Please look into my loan.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

In XX/XX/XXXX, I called our mortgage company ( Mr. Cooper ) to inquire about removing PMI from our home, which we purchased in XX/XX/2017 for XXXX, with a loan amount of XXXX. I was advised we would need to appraise for XXXX ( have 80 % equity ) to have it removed. 

On XX/XX/XXXX, I called to inquire again, and was told again about the 80 % requirement, and that XXXX would be needed. I asked to proceed. On XX/XX/XXXX an appraiser came out and appraised the home for XXXX. 

On XX/XX/XXXX, I received a letter that PMI could not be removed. I called and was told because they received the appraisal after XX/XX/XXXX that we have now owned our home for over two years and a 75 % requirement is now in place rather than 80 %. The rep said she would resubmit it for review because the appraisal was done prior to the two year mark so felt this was an error and would call me back. 

On XX/XX/XXXX, still no call back. I called there and was told that they would agree to the 80 %, but now the home needs to show substantial improvements in order to remove PMI. They will submit to management to see if they might be willing to refund the {$750.00} appraisal though, and will call is back by Friday. 

We are very upset and would like resolution to have the original requirement of 20 % equity for PMI removal upheld.
Consumer complaint received 2016-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I had a student loan from XX/XX/XXXX.for {$2500.00}. I paid it off through the XXXX XXXX -state trustee consolidation loan program in XXXX XXXX CA . I kept getting billings from different collection companies every two years or so - I would mail them a copy of my paid in full notice from the trustee. after a while, I would get another notice from a different company and repeat the procedure. I was told that the loan kept being sold to different companies - then in XX/XX/XXXX my wages were garnished WITHOUT PRIOR NOTICE and they took more than half my wages for two years -- each paycheck WITH NO PRINCIPAL REDUCTION stating that I owed {$19000.00} which resulted in my losing my home -- despite the fact that I drove to XXXX CA and TO GET THE WRITTEN PROOF and had to purchase the documents from the government warehouse showing that I had paid in full - which I sent to them -- NOW XX/XX/XXXX -- I have n't heard anything until recently and yet another NEW collection company says I owe {$13000.00}. 
I paid the loan of {$2500.00}! - I am approaching retirement and I am frightened that I will die with this horrible injustice unresolved. There have been approximately XXXX different companies that have sent me notices to send them money. during this process, I had my social security number stolen and used by someone named XXXX XXXX who got a governed loan with it. 
I have suffered enough - I had to file bankruptcy in XX/XX/XXXX and told the attorney I had this student loan problem - he advised me to put it on my bankruptcy list so that I could just be done with it. -One of the collection people told me that I now have to pay this XXXX XXXX student loan because I put it on my bk papers. I WOULD LIKE THIS TO STOP and I would like my money back that was taken from me erroneously.
Consumer complaint received 2016-06-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (FL)

I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

Wanted to puchase a good from a merchant that stated they had it. The merchant wanted me to send money through CashApp and they will send a receipt of them shipping to my address once they got the money. Right after they got the money, they blocked me. I asked for a refund through the app, the merchant denied my refund request. I emailed CashApp support but they will not do anything. I did not get my purchased goods and I did not get my {$290.00} back. I got scammed. CashApp keeps repeating automated emails to me without actually doing anything. They do not want to help me get my money back. I tried disputing with my bank since my CashApp account has my card saved there.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I posted a housing ad on XXXX on XX/XX/XXXX. The same day, someone named " XXXX XXXX XXXX '' messaged me and told me that her friend was looking for a place and she gave me her email.. '' XXXX ''. I emailed her and she sent me a check via email, told me to print it out and deposit it. The check came from " XXXX XXXX XXXX XXXX '' for {$2700.00}, which was more than I needed. She said her company paid for her rent, and she was on a contract. She asked me to send the money back to the mover, who would bring her luggage and car. After I sent her this, the next day, she told me that her grandma died and that her mom was in critical condition, so she needed to borrow {$1500.00} which she would pay back through her company. Another check was emailed to me from " XXXX XXXX '' with the same company name, for {$1500.00}. Both checks initially went through and the funds were visible in my account. I sent her {$1500.00} back per her request. Then, she told me that she needed all the money back. That's when I realized the checks were fake. After a few days, the bank rejected the checks and charged me a fee, even though I had explained the situation to them immediately. I contacted Cashapp and XXXX. Cashapp was impossible to get a hold of, and XXXX opened a case. I sent her {$500.00} on XXXX, and {$2200.00} on Cashapp, in seprate payments ( {$500.00}, {$750.00}, and {$1000.00} ).  Please contact me for more information!
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

I have a mortgage with Sun Trust Bank ( Mortgage # XXXX ) that was issued in XXXX 2015 that includes escrow payment. I was therefore shocked to get a delinquent taxes notice from the county on the same loan for {$2700.00}, plus penalty and interest payments for {$130.00} ( total {$2800.00} ). 
I called Sun Trust to complain about the late payment assessment in XXXX, I was transferred to several people, and none of them were able to provide a reason why a loan with an excess escrow balance could be assessed a delinquent tax penalty. 
Sun Trust then sent me a statement and check ( for {$2500.00} ) one week after I complained about the delinquency assessment stating that my account has excess escrow payment in it. 
I called Sun Trust again today XXXX XXXX/XXXX/2015 XXXX to follow up on the matter, and after over 1 hour of being transferred to several employees, none whom were still able to explain the delinquent penalty of {$130.00}. They finally tried to claim that it was my fault because I should have been following up with taxes authorities to make sure that property taxes were timely paid. Is a mortgagor responsible for timely payment of escrowed amounts for a non-delinquent mortgage?
Consumer complaint received 2016-06-23
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (MO)

AAG Reverse Mortgage Company Filed everything and said that I was okay then after sending Appraiser they went thru all their steps and said they would have appraisal by Friday, two weeks went by and I finally called and was told they could n't give me the loan due to Propane tank had to be off the Premises, and that I had an Industrial shop on my Property, Yes I have a large garage which was my Husband before he passed. My biggest complaint is that all along I was given yes we are going forward and the agent knew that I had a Manufactured Home Skirted with the best Skirting you can buy and it had the plates on each corner. Tied down but I was not told it was due to Manufactured Home and to date I have not received any notification of Denial. I called today and they transferred me to my Representatives supervisor. No return call. I would like to have my Denial in writing and reason or reasons for denial.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XX/XX/XXXX I accidentally paid $ XXXX XXXX {$150.00}, on Cashapp. It was an accident, as I meant to pay XXXX XXXX at $ XXXX. I immediately requested a refund, to which I have not received, even with repeated requests! I emailed customer service, and was told there is nothing they can do! I want to know who I sent my money to, did they actually receive it, or did the app keep it ; something that I can use to pursue legal action against. They say I just lost my money because I did not send it to the right person, period! 

PENDING TRANSACTIONS XXXX XXXX - XX/XX/XXXX For Refund Yesterday + {$150.00} XXXX XXXX - XX/XX/XXXX For $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For You know what! 
Sunday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For Still waiting for refund Saturday + {$150.00} XXXX XXXX - XX/XX/XXXX For ... until they file with the XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For The XXXX wants me to keep requesting my refund ... 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For Theft report filed. Call XXXX XXXX. 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund! Police report has been filed! 
Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Friday + {$150.00} XXXX XXXX - XX/XX/XXXX For XXXX refund Thursday + {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Refund Requested Wednesday {$150.00} ORIGINAL TRANSACTION - XX/XX/XXXX XXXX XXXX Paid/Completed Wednesday {$150.00} COMPLETED - The correct XXXX XXXX - $ XXXX - XX/XX/XXXX XXXX XXXX Replied Saturday {$1.00}
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I like to file a complaint I wrote a letter asking for proof of the Debt require and how the debt was acquired and the original creditor and under the fdcpa the bank had 30 days to respond to the debt that I owed they then have 30 days to respond to the debt that is owed the bank of America has yet to respond to the the request of proof of the debt the bank has yet to respond to to Verify or Validate the debt owed
Consumer complaint received 2015-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

My son has a private student loan that originated from XXXX XXXX XXXX and was serviced by American Education Services. I was the co-signer on the loan. I filed for XXXX XXXX bankruptcy in XXXX XXXX. All of my son 's student loans was in in-school deferment. AES allowed his loans to be in deferment for a short period of time at which time he had to pay the monthly installments. In XXXX XXXX my son 's started experiencing difficulty paying his loan. He sent payment of {$200.00} to AES for XXXX and requested assistance in lowing his payments. In the meantime AES was calling and emailing me several times during the time about him being 30 days late. He contacted them in XXXX XXXX asking that they discontinue contacting me because I was in bankruptcy and again requested assistance in a payment program he would manage. AES asked that they get a copy of my Letter to Creditor on the bankruptcy. When my son forward it to them on XXXX XXXX, XXXX about 3 weeks later, saw that his loan was first in deferment and when he reviewed the account in XXXX XXXX saw that it was listed as " defaulted ''. He sent an email to AES advising that he was not in default and requested several times for assistance. However, the only reply he received was an auto email message advising that they received his communication. No communication was sent to him advising as to why they placed his loans in default, no communication on who he could contact to resolve the issue. It was not until my bankruptcy was discharged in XXXX, that we XXXX received collection letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that loans was in default and asking for full payment. The letter from collection agency reference that the loans was in default as of XXXX XXXX, XXXX ; which is not correct since my son made a payment on XXXX/XXXX/XXXX and was in active communication with AES up to XXXX XXXX. His account with AES was lock and gave him nor I any ability to pay on the loans. All of the other private loans thru XXXX XXXX and XXXX was placed on forbearance until my bankruptcy was discharged. We are now paying on those loans monthly. AES was the only one that decided to just put the loans on default without advising of any option to resolve or to pay on the loans. We had no one to communicate to. These loans were for undergraduate degree my son obtain from XXXX XXXX University in XXXX, Georgia.
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (PA)

I started receiving telephone calls on my cell phone all through out the day with regards to a debt which I do not owe. I have requested validation and to discontinue contact. I continue to receive telephone calls from IQ Data International, regardless of the continued request to not contact me. Additionally, I have sent them a validation request in writing and they have not done so, however, have marked my credit report as disputed. I am being bullied by this company, despite continued request to send me any information that states that I owe them money. It has been almost two months since I have requested the information.
Consumer complaint received 2020-05-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (NJ)

I was living at XXXX XXXX XXXX for 4 month left and went back to my moms house at XXXX XXXX XXXX XX/XX/XXXX we had a fight he stole my passport I did not apply or take out any student loans or give my information to be used as co-sign the person responsible is XXXX XXXX XXXX please update your info and help he stop the fraud
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.