davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Real Time Group, Inc. (FL)

XXXX XXXX XXXX approved a short sale on our home in XXXX of 2011. XXXX of the conditions of the approval was that we sign a promissory note for {$5000.00} to be paid in installments of {$83.00} per month. XXXX was to send a coupon book to make such payments and never did so. I inquired by phone several times and XXXX could find no record of this transaction or the note. The next year after no reminder, bill from them, or anything, they reported as written off as bad dept on our credit report. We served our time with bad credit for that, as well as the shortsale itself. Now 5 years later, we are divorced, credit has improved greatly, they turn over to real time solutions for collection. They contact ONLY my ex husband, not me, and hit my credit for 90 days past due. There were forwarding addresses for both us registered with the post office. My ex husband has negotiated with real time to reduce this amount to {$1500.00}. He wants me to pay half to him. I feel XXXX XXXX XXXX is at fault here as they never sent the method of payment that they promised. Never a reminder or bill, as if it did n't exist. No record of it when I called to inquire. How do I know if this real time is a bogus outfit or not. It has been a long time ago. Is there no statute of limitations? I am attaching the documents provided to me from my now, ex husband. Thank you for your help.
Consumer complaint received 2016-10-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (AZ)

Bought car from car dealer in XXXX. Car was totalled in one month. Insurance paid everything. And car dealer also sent them money from my service contract XXXX. So they received over XXXX dollars they accepted money from insurance and told insurance agent car paid in. Full. Santander the car loan ppl has now so nth it to XXXX different collection agencies. XXXX and also XXXX in which XXXX wants XXXX. And do n't XXXX was XXXX. They keep renewing it every month. I DO HAVE ALL INSURANCE PAPERWORK WHERE ThEY PAID IN FULL ALONG WITH COPY OF SERVICE CONTRACT WHERE THEY GOT Money XXXX that was supposed to come to me. This car was paid offXXXX XXXX and they keep renewing it every month on my credit report
Consumer complaint received 2016-10-03
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Nelnet, Inc. (TX)

I enrolled into XXXX institute to take a XXXX program. they promised me job placing and that i will have a great job to pay back student loan. I received a grant of {$9000.00}. when I completed the program, I had to call to ask for my diploma and certificate. They told me they would mail it to me and call me back which I never received either. I now found out the school has been through a lawsuit and has been shut down. and they have over charged me for the program which added up to {$16000.00} and now forced me to be in debt for a scam they did to all students.
Consumer complaint received 2016-11-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

I wrecked my XXXX XXXX in XXXX of XXXX and my insurance company total loss the car. My insurance company called Santander Consumer USA and worked out an agreement with them to do a settlement offer to payoff the balance and to release the title. Well Santander agreed to accept the settlement offer from the insurance company accepted the check from my insurance company and released the title to them. I received a letter from Santander on XXXX XXXX, XXXX stating that they are notifying me that Santander Consumer USA Inc. has provided the appropriate party with a release of interest document as required by the state, they also said they thank me for my business and they hope that I will consider using them again for any future financial needs. This letter basically stated that my account was paid off by the insurance company and they released the title to them. Well this letter was sent in XXXX, in XXXX I started getting collections calls at home, my cell. and at work. I have explain to them that I received the letter that the account was paid off by my insurance company and the car is not even in my ownership anymore, they released it to the insurance company. Santander is still calling and saying I still owe a balance of XXXX XXXX and some odd dollars. I need Santander to close out this account before any late fees are added and also update my credit report with all XXXX major credit bureaus, stating that the account has been paid and closed.
Consumer complaint received 2016-02-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NC)

I was a consignor of a loan with Santander for my boyfriend car. He did not pay the loan. I found out that he was lying on his name and he had an arrangement with the dealership. I had to file a police report and get the car back. I went to the dealership and asked them for help because 1/ the car was under my name, which i did not know since i was supposed to be a cosignor only and XXXX i couldn t afford it. The dealership told me that they handle this type of situation and came up with the contract saying that they will take over the loan and make payments to the car. Little did i know, they never made the payment and claim that i got the car back, which is not true. I have hired a lawyer on the case. And this is on my credit. I am currently trying to buy a house and I ca n't because of that. I Have submitted a complaint with the NY consumer affair, my lawyer sent letters to the dealership and they never responded. I have to fix it.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (AL)

I have not received a statement from this company in months, despite my attempts to contact them via mail and phone. The last statement I received was XX/XX/2016. I have no idea what the balance is on this debt, nor do I know how my payments are being applied. Their statements are confusing and I do not believe they are applying my Payments correctly. I pay this loan electronically through Billpay in my mobile banking website. I pay {$40.00} every month, which is more than the minimum payment. I have never been late with any payment. I have written a letter to this company with no response. I have tried contacting their customer service number but it always goes to a voice mail and no one returns my call. I feel this company is unethical in that they do n't provide any statements to me and I have no idea what the balance is. They do not respond to any communications. And yet this debt appears on my credit report. How will I ever know that it is paid off? And it will appear on my credit report as unpaid.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (PA)

I received a sudden email with the subject " Notice of account closure '' from Citibank. The email itself did not contain any information about any closure but said I had a message waiting on their system and to click the link to login. Upon doing so no message was available. When I called Citibank to discuss this the agent did say that my account was closed. While they were apparently under no obligation to notify me in advance that my card would be cancelled due to inactivity, I have in the past been so notified by creditors for a variety of reasons including their ability to remind me ( i.e. sell me ) the features of my card and entice me to use it again. In such cases I have been reminded of better benefits and resumed such use. However, my complaint largely centers around the fact that they are able to do this when it can directly impact my credit rating by reducing my credit capacity. I can easily envision a circumstance where somebody less fortunate than myself was successfully able to build credit worthiness but opted not to use their credit card so they did not carry any debt. However they would need to get a loan for a home or car, or to apply to rent a home/apartment. Losing that credit capacity and in turn lowering their credit rating could have an adverse effect when trying to leverage credit in those other circumstances. It seems fair to me that a credit card company should at least provide a few opportunities for a consumer to maintain the account before cutting it off so as to avoid these situations.
Consumer complaint received 2016-09-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VT)

Had FHA loan with Chase, had financial hardship, asked Chase for help, instead of help they did loan modification over phone my payment went from {$960.00} up to over {$1600.00} / month, when behind in payment they put escrow into separate account that was like a Credit Card ( you 'll never get it paid off ), worked with XXXX VT to get a modification during which Chase caused many problems, had more financial problems and house was going into foreclosure?, XXXX XXXX XXXX contacted me saying they owned loan, called XXXX who sent me to a case worker, worked with caseworker and XXXX to get modification, XXXX said I did n't qaulify, caseworker said my numbers said I do qualify, got nervous and called XXXX again and they said XXXX is NOT on my file a company called XXXX was servicing loan, called XXXX and left message got no response, called VT XXXX who sent me to Banking and Insurance who then sent me to YOU, XXXX said neither XXXX OR XXXX are LICENSED IN VT and that is why they sent me to YOU.
Consumer complaint received 2015-10-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P. (FL)

I originally took out a loan with XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to paycuts at work and the birth of my child I found myself regrettably unable to repay the loan in question. On XXXX XXXX, XXXX XXXX XXXX XXXX closed my account and charged off the balance due, which at that point was {$2900.00}. 

However, a debt collection agency by the name ofLVNV FUNDINGXXXX XXXX, XXXX ( XXXX ) XXXXAcquired the old debt and began harassing me with numerous phone calls and letters about this old debt in which I informed them i was unable to pay. 

I noticed on my credit report that they show this account as having gone delinquent on XXXX XXXX, XXXX which is entirely false. It original went delinquent on XXXX XXXX, XXXX and in informed them that this was improper " re-aging '' of an old debt to which they never responded. 

They 're also adding late fees to this account which I did n't think was allowed by law when a 3rd party such as LVNV buys an old debt. They 're saying I now owe {$4300.00}!!! 

Please help me, I 'm at my wits end with this company. 

XXXX XXXX
Consumer complaint received 2016-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (TX)

I am extremely unhappy. my student loans got transferred from XXXX to Uheaa and my payment schedule is completely wrong. I called when it was transferred with concerns that the balance was reflecting higher then I last saw at XXXX after viewing my online profile. I was also concerned because I saw my loans split when it was XXXX lump with XXXX. It did show that XXXX sent my payments but I was concerned because it did not show I had one coming up. I was told I did not have one at the time and I would have one at my regular time in XX/XX/XXXX. Which for the past 8 years has been on the XXXX of the month. I left that phone call still unsettled. Now I get notices that I am late on my payment and owe a fee and my payments are due on the XXXX of the month. That does n't work for me as my other payments are worked around my loan payments on XX/XX/XXXX. Also It is not reflecting my recent payment that my online banking sends automatically on my due date of XX/XX/XXXX. My husband got a strange call to say his account number on his payment is wrong ... umm its my account he has one as well but as he just finished XXXX school his should still be deferred. And I ca n't find contact information because it leads you to dead pages. That lead me to your facebook reviews with many and I mean many other people dealing with the very same issues. This will be fixed and it better not reflect on my credit as this is a mistake on their part. I have been on time with payments for 8 years and then get switched without my permission and it goes all wrong! I am trying to sell and buy a home and this could hurt my family.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (AR)

Since filing my first complaint # XXXX, Wells Fargo has started foreclosure on my house, yet they are the ones that could n't modification paperwork correct. After 31 months they can not get the description right. In the meantime my credit is destroyed from their reporting I 'm not making payments. They are trying to sell the property based on the description that is wrong and will be giving a mortgage based on an incorrect property description.
Consumer complaint received 2015-05-29
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (VA)

My husband ( BORROWER ) of a XXXX loan now deceased. I, the Non-Borrowing Spouse while in the mist of complying with ML XXXX learned TODAY XXXX/XXXX/2015 that the program as been rescinded. Ironically, today XXXX/XXXX/2015 was my deadline given to submit monies to comply with HUD 's Principal Limit Test. I called in this morning to get how to submit instructions and/or extension request. I was told that the program had be scraped by HUD and the server was not going to honor or offer the program to me. Devastating news to me for I stood ready to fulfill the outstanding requirements. So XXXX now I feel victimized of my rights as a XXXX, let alone the devastation of losing my husband I have to add these additional disappointments and agony. ML XXXX was rescinded with XXXX. This complaint goes out to HUD for their indecisiveness and wearing XXXX faces. HUD created the problem I am now faced with ( foreclosure ) while insisting that the lender proceed in foreclosing and creating my displacement all to satisfy the conditions for paying insurance claims. These foreclosures are illegal under federal law and I PROTEST. HUD need to be held accountable because I was removed from title to my home at the onset of the XXXX now I 'm being punished. I am being VICTIMIZED!!! Please advise!!!!.
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WA)

This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the XXXX XXXX XXXX and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was XXXX XXXX XXXX that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WA)

I represent the owner of the home as their realtor and short sale negotiator. We submitted a complete short sale package by XXXX XXXX 2016. The file was said to be in underwriting for review to make a decision on XXXX XXXX 2016. I have been calling twice a week since then and have escalated this file for an answer at least 3 times and also had it sent to the executive office for a response. Each time I was told that a representative would call me within 24-48 hours. That has never happened. My seller has been called to answer questions about his short sale review which he was not capable of answering and they even told him that they needed my email address and contact info that I have been providing each time I have called the bank for status and an escalation. They were supposed to have initiated it in XXXX over a month ago and I still have not been contacted through that system to have the file reviewed by the investor for a decision. 
This bank has taking this file hostage and continues to play games with me and the seller for far too long. They have 30 days to respond to the seller in writing after the file has been completed and this has been well over 60 days now with nothing but games and excuses. I need the CFPB to step in and make this company accountable for their negligence.
Consumer complaint received 2016-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (NY)

XXXX took my insurance card. Asked how injury happened. I said at work. the hospital attempted to collect from workmans compensation, without a claim filed. The hospital set a collection agency after me immediately. I told debt collector i would sue. Appears i now have to since it sits on my report falsely. I also lost my health insurance for 60 days because of this false workmans compensation claim. simonagency stopped hassling me, but here sits the fraud.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

I received a letter in the mail from Macys saying that a credit card that I have has added an authorized buyer. I do not have a credit card with Macys and the number on the letter was a recording asking me first for my account number which I do n't have and then my SS number, then it says account can not be found and the phone hangs up.
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I sent 3 letters asking Midland Credit Management to verify XXXX debts that appeared on my credit report because I have absolutely no knowledge or recollection of them. I sent the letters with a tracking receipt. XXXX XXXX XXXX sent me the same letter in response 3 separate times. I am unsure how to proceed with them but I definitely want to clear my name. I do n't think that they are following the law and I wo n't pay a debt that is n't really mine. I 've heard how unscrupulous this company can be and I would someone to investigate to help me get to the bottom of this issue.
Consumer complaint received 2016-05-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2016 I sent a Qualified Written Request to Chase ( XXXX ), XXXX XXXX XXXX, XXXX, OH XXXX. The letter requested the following information : " Please provide any/all Broker Price Oprinion ( s ) ( BPO ) that have been solicited/initiated by Chase for specified property. 
Provide the name ( s ), date ( s ) and fees associated with said BPOs. 
Please provide copies of any/all appraisals solicited/initated by Chase for said property. 
Provide the name ( s ), date ( s ) and fees associated with said approaisals. 
Please provide the name ( s ) of any contractors, vendors, brokers, hired or authorized by Chase to enter upon, take pictures of, or gather information of any nature in regard to said property. 
Provide the name ( s ) of any companies, contractors, vendors, brokers, hire, engaged or authorized by Chase to interact with residents of said property for any reason. 
Section 1463 ( c ) - Chase has five days in which to acknowledge in writing receipt of this QWR and 30 days to provide a substantive, detailed response to this QWR. '' To date no acknowledgment or response has been received from Chase regarding this request.
Consumer complaint received 2015-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

Citibank 's business practices and lack of sensitivity toward the XXXX violates XXXX Laws. Upon speaking to Citibank concerning charges, XXXX on chat online began to enlarge text after I disclosed that I was XXXX. She began to repeat the same text and send enlarged text. I found this to be highly insensitive and offensive. I did not request for her to enlarge the text and I never told her that my XXXX was visual impairment. I am requesting that this be attached to any previous complaint submitted regarding the discrimination that I have endured while banking at Citibank. I was refused service at the local branch in XXXX XXXX because I was XXXX. The accounting practice subject customers to overdraft fees, charges that are exorbitant, customers are forced to pay merchants who do not provide the merchandise, etc. The bank does not display a policy that is supportive of their XXXX customers. I have also noticed that the same person who assisted me on this chat was not named XXXX, but XXXX and this same person was the same person who chatted with me regarding a different company like XXXX. I will support the chat transcript of CITI and XXXX.