davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (MN)

I am a physician with > {$350000.00} in student loan debt through XXXX  XXXX. They have been challenging to deal with for the last decade, to say the least. 

I found out when logging into my account on XX/XX/XXXX that my loans were put into forbearance without my knowledge. As a result, payments were suspended, interest rates were increased ( to nearly 8 % ). 

I spoke with 3 different individuals with XXXX. The first 2 told me I must have missed a payment ( never have in 10 years, I overpay on them ). When they verified that, they told me they had no idea why I was in forbearance due to delinquency. A higher level individual notified me that in XXXX, when I applied for the Pay as You Earn ( PAYE ) program, I was denied this program, which would have resulted in lower monthly payments ( at a time that I really needed that ), and that denial was an error. They " corrected '' this on my behalf right now. As a result, when switching repayment programs my loans were put into forbearance, with the resultant negative consequences ( higher interest rates, the {$48000.00} of interest now may capitalize on my principal, no one could answer why it was listed as a delinquency forbearance which may impact my credit ). 

All of this was done without my knowledge or consent. Based on a previously denied PAYE application in XXXX. I only found out about the forbearance when Iogged in to my account. 

They are currently " submitting my file for review, '' I can do nothing but hope some of this is corrected. I asked for something in writing regarding all of this, which as of now I have not received. They do not seem to take seriously how egregious this is.
Consumer complaint received 2019-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage payment includes an amount for property taxes. My property taxes for XX/XX/XXXX have not been paid. When talking with NewRez, LLC dba Shellpoint Mortgaging Services, XXXX. XXXX XXXX, XXXX. SC XXXX, Phone # XXXX, They are insisting that the property taxes have been paid to the XXXX County Appraisal District on XX/XX/XXXX. 


The first call to NewRez was initiated on XX/XX/XXXX. I requested a copy of the cashed checks they informed they sent to The XXXX County Appraisal District. I was informed I would receive copies in 2 weeks via email & XXXX. When I did not receive either a call back, email or anything in the mail, I contacted NewRez a 2nd time on approximately XX/XX/XXXX. I was informed my request was submitted and I would be receiving copies of the cashed checks by the XX/XX/XXXX. 

I called back on XX/XX/XXXX, and spoke with XXXX, to follow-up on the status on copies of the cashed checks. At this time is was informed that the money I pay for my escrow account was sent to the XXXX County Central Appraisal District and paid someone else 's property taxes. I was also informed that it appears as though I am not the legal owner of my own property. I was informed that XXXX XXXX, a Tax Specialist for NewRez was reviewing the complaint and would be contacting me. 

I called on the XX/XX/XXXX afternoon as I still had not received a call back from NewRez nor XXXX XXXX. I was informed that the complaint is still under investigation and that XXXX XXXX would be calling me back with an explanation and resolution. I requested to speak with Mr. XXXX, and I was denied the opportunity. 

I called back on XX/XX/XXXX. Again, the person I spoke with, XXXX XXXX XXXX, informed that her note show that the property taxes were paid. She refused to allow me to speak with her manager and to let me speak with either XXXX XXXX or someone else in that department. She eventually transferred my call to someone else and the call went to voice message. I left a message. 

To this date I have not received a copy of the cashed checks or any other concrete evidence that show my property taxes have been paid as I was instructed would happen. I have not received one email or one call with any explanation as to what is going on with my money and how they are handling the issue to in paying my taxes as XXXX County Appraisal District has not yet received any payment. No one will tell me what is going on. I am trying to refinance and penalties for late payment on my property taxes are accruing. 

I am in the process of refinancing my mortgage and this holdup is affecting my contract with the new lender and time lost will affect my loan rates.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Hello On XX/XX/2018 I made a purchase with my Citibank XXXX XXXX XXXX credit card to purchase a item online or the amount of XXXX Days later I received the package and it was a chewed up piece of gum in the package Have tried several times several ways to contact the seller but all attempts have been ignored by the seller Contact Citibank to file a dispute with them and was advised there is nothing they will do to assist I did authorize the purchase and can not dispute the charge with the credit card Was advised by Citibank that I would need to take this up with the local police and file a criminal complaint I could not believe what was being told to me - and the call ended
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

XXXX LOAN # XXXX BORROWER : XXXX XXXX  ( XXXX ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX   Previous CFPB complaint no. XXXX I received the attached denial notice from Rushmore today. I am going to escalate this with another CFPB complaint in addition to the attorney general. Rushmores opinion of fair market value is not cohesive with the facts which we provided to demonstrate the true fair value of the subject property. Failure to lower the value expectations is going to cause a foreclosure when there was a viable alternative available via a short sale and consideration of the offer we submitted that is fairly priced based on current market conditions. I ask this be escalated further because the documentation I have submitted to support my argument is clearly not being thoroughly reviewed for consideration. Thank you for your assistance.

Respectfully, XXXX XXXX Loss Mitigation Manager/ Legal Assistant P : XXXX F : XXXX
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Associates Loan Servicing LLC (MN)

This company, XXXX XXXX, which one of it's services I found is debt collection, keeps contacting me. 

On the first call, they asked to speak to me by asking my specific name, and then asked the procedural identity questions such as what my Date of Birth, Home address and Last four of my social security were. They then proced to say, " they can not establish '' my identity, and to email their technical support. They also say they, '' are unable to discuss anythign further due to privacy and security concerns. '' To this statement I replied first, to send me written information to the nature of the call to my home address, and second, if they have established I am not the correct person they need to speak to, then they need to discontinue calling my number. 

They would not discuss anything further, and told me that they will keep calling until I " straigten things out with their support '' I have not, since the first phone call on the XX/XX/XXXX, received anything written from XXXX XXXX, and they continue to call me. 

They have called me on the XX/XX/XXXX, and on the 4th, 7th and XX/XX/XXXX, despite my telling them repeatedly to not call me and to send me written information as to what the call entails. They do not want to discuss the nature of the call, nor send any written information. 

I called them back, and instead of sending me to their website, XXXX, they told me to go to XXXX NOTE : I asked them for a mailing address to put into a complaint form, and they refused to give it to me.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX, I called XXXX XXXX to request a refund of a fee they were charging me that I had previously requested NOT be put on my mortgage statement as I had been in contract to sell me house since XXXX and the closing was scheduled for XX/XX/2018. Unbeknownst to me, the representative I had spoken to reversed my entire XXXX mortgage payment instead of just crediting me the {$7.00} that was erroneously taken out of my checking account. Upon attending our closing, and our title closer speaking with the representative from XXXX XXXX and receiving the closing figures, we successfully concluded our closing thinking everything was fine. A month later I received a notice from XXXX XXXX advising we were in arrears in our mortgage payment. I immediately contacted XXXX XXXX explaining that we had closed that account on XX/XX/18. They advised that they indeed saw the money for the pay-off of the mortgage however it was being held in a suspense account pending further investigation. I told them to expeditiously examine the issue and get back to me asap. After not hearing from them for over a week, I called the servicing center and spoke to an agent that informed me I owed them {$2000.00} for XXXX mortgage payment. I said that was incorrect as I was enrolled in EFT which automatically pays my mortgage. I was then apprised with the fact that XXXX XXXX had reversed the entire mortgage payment for XXXX on XX/XX/XXXX instead of crediting me the {$7.00} I had requested. I told them at no time was I EVER made aware that the entire XXXX payment was being reversed as I would not have allowed that to happen. They told me they would " look into this ''. I also advised them that THEIR AGENT gave the figures at the closing on XX/XX/XXXX which indicated that XXXX XXXX knew the payment was reversed and should have included that in the closing numbers. I then went back and forth with XXXX XXXX for several weeks regarding this disaster speaking with agent after agent and vehemently demanded that no action be taken with any credit agency until AFTER a full investigation of the issue was resolved as this was surely the fault of XXXX XXXX. I was assured by a supervisor at XXXX XXXX that indeed no action would be taken. In XXXX, I was notified by the credit agencies that our credit score had dropped over 200 points due to late payments on our mortgage! I again contacted XXXX XXXX demanding they reverse this negative report only to be told they can not. I am sure you know that a negative report against a mortgage is a killer to your credit. I have not been contacted by XXXX XXXX and am pleading for help with this company that has the absolute worst reputation in the industry.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (FL)

I never ordered from XXXX  XXXX or never applied for XXXX XXXX credit or never received items from XXXX XXXX have asked for prof of items purchased from XXXX XXXX and prof the items were purchased by me they have been ask a number of times to provide this prof and have yet to do so by law they must provide this prof or delete from credit report
Consumer complaint received 2019-03-12
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (SC)

I told Navient I could only pay {$50.00}. I am in school and to defer and they said I had to pay and they would not take the {$50.00}. They refused it every time. I just had a XXXX and they keep calling and the are calling and being rude and childish and playing on my phone and running up my XXXX XXXX. The stated they will not stop and if this continues I will be paying Navient home office a not pleasant visit.
Consumer complaint received 2019-03-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Carrington approved me for a short sale or DILF because I lost my prior job and had to move to XXXX, XXXX from XXXX and no longer live in the home. It is vacant. They again conditionally approved the short sale and we have received a short sale offer for the full price of the approved amount, {$460000.00}. The home was appraised by Carrington at {$550000.00}. The mortgage balance is {$580000.00}. Carrington initially approved the short sale but now has said VA Guidelines are denying the short sale. They told us that it was approved and even spoke to our sale agent and had him list the property. We now have an offer from a cash buyer and can not get our short sale to closing. Please investigate Carrington 's business practices.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Peer Advisors, LLC (CA)

Hello so someone is making fraudulent checks with the address of XXXX in michigan. They sent me a check for {$2500.00} and then it was an error and to send the extra {$1500.00} to a cash app user which i did since the bank gave me the money in my account and then took it away later. I have been contacting everyone i possibly can and trying to track where this came from and their connections with every detail they said through text. I have some leads. I filed a police report in XXXX XXXX California : I believe the person that scammed me lives in the eastern standard time zone ( florida, virginia, new york, michigan ) specifically and potentially lived in XXXX XXXX in the past. Please contact me I have spent the last week finding all possible leads. XXXX XXXX was also really helpful because they gave me some details that I found someone with links to all of the details and their picture on XXXX XXXX even if its fake I have seen before and I belive that was the picture they used talkin to me as well
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (UT)

We would like to File a Complaint and have provided information to support that Chase is unwilling to resolve the dispute with a company that did not provide the services paid for and forged signatures. 

XXXX {$XXXX} ( XXXX XXXX ) XX/XX/year> -XXXX, XXXX weeks of XXXX  for XXXX XXXX and XXXX  year of XXXX advertisement. 

After Providing Several forms of evidence the Dispute was denied On XX/XX/XXXX after the merchant sent back false claims, photos, and e-signed documents. Based on the the documentation they sent we have attached information to show differently.
Consumer complaint received 2019-03-15
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: Freedom Mortgage Company (WA)

I submitted a dispute regarding my account with Freedom Mortgage to all three credit bureaus, XXXX, XXXX, and XXXX. The dispute was accepted finally and it was removed off of all the bureaus. Then, all of the sudden the same mark was put right back on. I contacted Freedom mortgage and they reassured me that they did not resubmit the information. Every time I have contacted the three credit bureaus I get no resolution. They even put the mark back on the wrong month for XXXX. This has dropped my score over 100 points and I am never late on anything. This is not right. I need this removed permanently.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

This is complaint number 2 about the same issue and how they handled it. BBVA Compass bank reorders transactions to charge multiple fees on one overdraft. I was charged FIVE overdraft fees for one legitimate overdraft and I have screenshots of the original order because I suspected this would happen. The rest were pending transactions where the money had already been removed from the account and therefore not an overdraft. I am so absolutely disgusted with this bank they need to be investigated and closed. I now can not even afford to buy food once again thanks to their business practices. Customer service 's only response is the " fees are valid '' no matter who you talk to. They are trained to NEVER refund fees according to ex employees. Last time they did this I filed a complaint and the fees were reversed, this time they stalled the investigation process for 60 days and they're once again telling me the fees are valid even with the CFPB complaint and the previous fees were refunded as a " courtesy ''. A courtesy for stealing your customers money to begin with??? Why is this bank still allowed to do this when all the others were forced to stop? It's a trick every bank used to use. Please stop them!
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

This debt was completely unknown before commonwealth financial systems reporting it to all three credit reporting bureaus. I received no prior notice of debt owed to them. I never entered into any written contract with commonwealth financial systems. After disputing it, requesting verification and validation, reporting them to the consumer financial protection bureau, and to the XXXX XXXX XXXX, the debt was removed from my credit report numerous times, then placed back on again every week as a new debt. I received notification from their offices through the XXXX XXXX XXXX showing proof that they agreed to cease all collection efforts and no longer service the alleged account. After I replied to the XXXX XXXX XXXX that I was satisfied with their response ( on XX/XX/2019 ), they flagged my credit report with the collection AGAIN on XX/XX/2019. 

This company is harassing and negatively affecting my credit score.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Hello, So I traveled to XXXX recently and was charged an extreme overage at a restaurant. I spent about {$20.00} and they charged me : XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX {$700.00} I contacted Chase about the charge. They temporarily reversed it but then gave me a call saying the merchant provided evidence and I did not respond to their mail. I contacted them back saying they did not send me any mail. They said the dispute has been closed in favor of the merchant. 

It was reversed : XX/XX/2019 REBILL XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Not sure what can be done because this merchant is in XXXX and I am in the US and tried calling but they just hang up. 

Thanks, XXXX
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Accounts XXXXXXXX  and XXXXXXXX XXXX XXXX XXXX XXXX. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. 

USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. 

XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. 

XXXX XXXX XXXX is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. 

USAA is only for USAA members and Military and family members. The XXXX XXXX XXXX  cards were never open to Non Members and Non Military at any giving time. Sending me phony 1099-c tax forms and a {$10.00} dollar refund check with different account numbers. 

XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. 

I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. 

I GOT XXXX!! 

USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX and Transunion has as 3-4 security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called Transunion for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XX/XX/2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of my report
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this account.