davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA and  HIPAA by  not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the compa ny. If Collection Service of Athens does not have any documentation, they need to remove this from my  credit file immediately.
Consumer complaint received 2017-05-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc (AL)

in 2004 my ex husband sold our family home the loan was obtained by fraud .lapd documents and court papers to substantiate the claim chicago title were the insurance company and after 3 years of court i was given the home back as my own property as well as a judgement for XXXX from chicago title at that point chicago title had me agree with a balloon payment for XXXX under duress chicago title had me agreeing to a 5 year balloon payment, instead of going after my ex husband the perpertrator then in 5 years one of the lawyers for chicago title made an agreement for XXXX payment for back property taxes in exchange for deed, now at this point a rental agreement for the property, i have paid over 90000.00 and facing an eviction and have been made an offer to by my home for the XXXX
Consumer complaint received 2016-12-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MN)

Chase short sale. Final settlement was submitted to Chase on XXXX XXXX as required by Chase to receive final XXXX approval to close. It has been our law firms experience with Chase that no matter how far in advance the settlement statements are submitted to Chase they are unable to provide the final approval to close. This particular file has been escalated through the Escalations Department since XXXX XXXX due to Chase 's lack of providing XXXX approvals on time. I was advised yesterday that we would have the final approval to close by end of business on the XXXX. Still today XXXX we do not have the final approval to close. My contact with Chase escalations on XXXX at XXXX XXXX stated that I would have the approval with in 30 minutes as it has been escalated. XXXX XXXX still waiting for the final approval to close. Contacted Chase again and was advised that it would be another hour as per the manager of the closing department. I then requested to speak to the manager in the XXXX approval letter and was advised that they are out of the office due to the holidays. This is unacceptable as end of month is the busiest time for closings and Chase continually allows their staff time off at the busiest times of the month. This is a continual problem with Chase and they continue to harm our clients due to their lack of approving the Final XXXX for approval to close.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Unauthorized purchase of {$300.00} made via  XXXX  on   X/XX/17  ;  fraud report was immediately called to Chase Bank who reversed the charge ; after their alleged investigation, they recharged the account o n  X/XX/17  ;   n either Chase Bank nor  XXXX  are willing to provide information to verify said purchase ; Chase Bank claims that there is no further investigation pending on their part & that I must sue  XXXX  to recover my funds ;  XXXX  reports to me that this claim/investigation has not yet been finalized on their end and that they never told  Chase  that this purchase was a valid purchase made by me ;  XXXX  went so far as to give m e a city & state  that the goods were delivered to but would not provide the exact address ; both companies are pointing fingers at the other for at fault and neither has been helpful in resolving this fraudulent use of my debit card ; I have filed a police report for identity theft and have filed a complaint with th e AZ Dept of Financial Institutions, and the AZ Attorney General 's office
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (UT)

I was distraught to see my car missing as we exited our apt with my mother in laws XXXX in hand. The XXXX sign had fell into the dashboard and was hardly noticeable.. The towing company took the car. They asked for {$270.00} to release the car with the original registration owner to the vehicle present. The original registration owner of the vehicle is in Arizona and the towing truck rep illegally allowed me to sign for her when it was against policy. 

I humbly asked chase bank to dispute these charges as I have evidence to support my. cause with the car being registered to the apt complex.
Consumer complaint received 2017-05-31
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am making this complaint for my  XXXX   year old  mother. My mother entered into a reverse mortgage with  Wells Fargo. I  do not know the exact date becau se Wells Fargo has yet to approve my Power of Attorney documents. My mother 's home had been paid off for years. Wells Fargo tal ked her into a reverse mortgage. The terms were she could stay in her home till she died then her heirs would have the chance to purchase her home. On   XX/XX/XXXX , m y mother received documents saying a collections agency was going to start foreclosure proceedings because my mother no longer lived there. My mother has always lived there. I have gone back and forth with  Wells Fargo try ing to resolve this matter. I have submitted documents on several occasions a nd Wells Fargo rejects them. Wells  Fargo has asked me to complete enclosures which were never enclosed with their letters. I have repeatedly asked them to provide an occupancy letter for my mother to sign which she just received on  XX/XX/XXXX . This letter was dated  XXXX .  Wells Fargo has  drug its feet in terms of getting this matter resolved and there has been no reason for it. I respectfully want others and the State of California to know ho w Wells Fargo conducts business. As long as this process has drug out, in what is a time sensitive matter, it is almost as if Wells Fargo d oes not want to get the situation resolved so they can kick my  XXXX   year old mother out of her home so they can take possession. I feel consumers have the right to know about Wells Fargo 's poor , poor, unethical business practices.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Originally I had my loans through  XXXX   XXXX  and they had set me up with a repayment plan. After a few years of paying I found out they had set me up with an interest only payment. Being a young student and a  XXXX   XXXX  I thought they had setup a repayment plan just like a car, so I had setup an automatic payment. To find out that the {$500.00} a month I was paying was just interest alone and my interest rate was over 10 %. When I called about being in the military they said I did not qualify to get a military interest rate even though I spent 6 years and several months in  XXXX  back in  XXXX . I finished school in  XXXX  and not knowing well they placed me on a new repayment plan after trying to decrease my interest. They did decrease my monthly payments but now I will be in debt with them until  XXXX . Now from time to time I login and find I do n't have a payment due then I receive an email saying I have a payment due. Their system is not accurate. Being young and not understanding I trusted my school. Now understanding better, I will end up having to pay them ov er 2 to 3 times what my classes cost me for all their fees and interest charges. Can anything be done to assist?
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 1ST ALLIANCE LENDING, LLC (WA)

I made the  XXXX  payment of my mortgage on  XXXX   XXXX .  1st Alliance  and their mortgage servicer   XXXX   charged me a " late '' fee because they assumed the payment was for  XXXX . I had made  XXXX  's payment at the beginning of  XXXX  and am current on all my payments.     This is just a way to fleece money from people. Who heard of charging a late fee when you pay early?
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Roundpoint Mortgage completed an escrow analysis on XXXX/XXXX/2017. After such analysis my monthly payment amount increased by over $ 250/month ; however there was no change to my escrowed items. The only escrow item is for property taxes which have actually decreased from the prior year. I have been calling Roundpoint Mortgage since midXXXX to no avail. I was told by a CSR that I was unable to dispute the new payment amount and that I needed to make the payment by XXXX XXXX, 2017 or I would be assessed a late fee. I have never been late on my mortgage and value a good credit rating so I made the payment on XXXX XXXX, 2017. Since that time I have contacted Roundpoint numerous times and spoken with ( 8 ) eight representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and continue to get mixed information. No one is capable of resolving my issue or providing me with an explanation for the increased payment. I have emailed proof of insurance coverage ( Flood, Hazard, Content ) to ensure these items were not escrowed.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (LA)

Nationstar Mortgage company had scheduled a home inspection on XXXX XXXX 2016, the mortgage companies representative fail to come for the home inspection. Therefore I sent a letter via fax to have the funds released. Now the mortgage company is stating that I need to reschedule the inspection. Why when they failed to show up for the inspection and to top it off MY ACCOUNT WILLED BE BILLED FOR THE INSPECTION. Several times I have requested information stating why I am to pay for the inspection when Nation Star is requesting the inspection they have yet to send me any correspondence. They refuse to release the remaining funds so the contractor can get paid. PLEASE HELP ME NAIONSTAR MORTGAGE COMPANY IS GIVING ME THE RUN AROUND.
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through XXXX in XXXX. We traded the XXXX XXXX in for XXXX XXXX XXXX on XX/XX/XXXX in My name only this time.That being said the XXXX XXXX was paid off through XXXX and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car ( XXXX XXXX ) . Initially there were two 30 day lates, one reported onXX/XX/XXXX and the other in XX/XX/XXXX. I was advised to dispute it by XXXX because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed one 30 day late which was the XX/XX/XXXX. When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX, MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my Sales person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX so how can we have a 30 day late on our credit report for XX/XX/XXXX & XX/XX/XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XX/XX/XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither XXXX or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what XXXX 's response was or I really feel like they are n't even investigating the matter.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

I have a loan with Conn 's. My payment is due on the XXXX of each month. I have told the company repeatedly that payment will be made by the end of each month, to coincide with my payday. The company has refused to change the due date for my payment, and this is the best I can do. Payment has been made before the cut off for late fee each month. Despite communicating with the company regarding my payment, they continue to call each and every month repeatedly from several different phone numbers, as well as send text messages, and emails. I have asked that they not contact me more than once a day. The contacts made in XXXX are as follows. I can pull records for prior months, if needed. X/XX/2017 @ XXXX XXXX - I received an email about my payment BEFORE payment was due on X/XX/2017 X/XX/2017 - I received two emails at XXXX XXXX  and XXXX XXXX, as well as 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and asked that calls stop and let them know payment would be made by X/XX/2017. X/XX/2017 - I received 4 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received a text message at XXXX XXXX and 5 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/2017 - I received 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 6 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received 4 calls from phone number XXXX.Calls were at XXXX XXXX., XXXX XXXX, XXXX XXXX, and XXXX XXXX. X/XX/2017 - I made payment at XXXX XXXX I received a call from phone number XXXX at XXXX XXXX.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I have had several issues with my student loan servicer FedLoan pretty much since they took over my loan, including a related complaint I filed with CFPB, Case number : XXXX. I tried to reopen that case since this complaint is related to those same loans but I was unable to so I 'm filing a new complaint. <P/>The latest issue is that in checking my account balance online on X/XX/17 to verify Public Student Loan Forgiveness ( PSLF ) payments I noticed that there was a " Unpaid Interest '' amount that I had not seen before in the amount of {$250.00}. I verified that on the bills I had been sent the past year never included this amount on the bill in either the breakdown of the the principal or interest or was included in the amount due for that month. Since I had always paid my bill in full, I was unclear why I had any amount that would be unpaid. I emailed Fedloan through their websites ' online system and I received a response via email on X/XX/17 and their email did not address my question of why I was never informed of this amount and why it was never included in my monthly payment due amount? I was also concerned that it would effect my PSLF payments, since I had been paying my billed amount fully but apparently there was always this unpaid amount on my account that I did n't know about. <P/>I have attached copies of : 1. The receipt of email to FedLoan 2. A copy of its response 3. A copy of my XX/XX/XXXX bill which shows that the " unpaid interest amount '' is not reflected 4. A 12 month history of my payments which shows that I have paid each month fully according to what was billed as due and which shows that this unpaid interest amount was never included. 5. A screenshot from XXXXX17  which shows that there is still currently an amount of unpaid interest.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have reported and disputed the XXXX XXXX  account on report several times. Due to the fact per their contract vehicle was voluntarily surrendered because we was moving out of state. Not because we was in default at any point. In Fact would have kept it and kept paying had we been allowed. We was told to turn it in. We was also told if we provided proof that we actually moved out of state and not just trying to get out of contract, that Balance would be forgiven. We did that!! There is a statement on Report that we did so. Said vehicle was turned in XXXX 2018. However still reporting late payments. It will come off for a few months then come back on.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard (CA)

On or about XXXX 2015, I noticed while checking my credit report, a delinquent account from " XXXX XXXX XXXX XXXX '' for approximately {$2000.00}. I immediately began the process of informing them  that this was a fraudulent activity via written letters and by phone. I also sent letters to the XXXX major credit reporting bureau 's informing them the same. Thinking the matter was resolved, I was shocked to receive a summons from Superior court years later, without any previous correspondence. Now I 'm being constantly harassed by these vicious attorney 's who continue to claim they are not receiving my documents ( I have all documents filed and organized with USPS tracking proof of delivery ) and neither the original creditor or the attorney has produced a single document that I have requested showing my signature on an agreement or any other proof which might substantiate there claim. Because there is no such document. They have even failed to show me what was allegedly purchased with this line of credit or loan. Yet they continue to harass me to the point where I now am having to pay an attorney to help defend me. I believe that by this harassment, they are violating my rights as governed by the FTC which enforces the " Fair Debt Collections Practices Act ''. The Attorney mentioned above is : XXXX XXXX XXXX of Nelson & Kennard, XXXX. XXXX XXXX XXXX, CA XXXX. Thank You,
Consumer complaint received 2017-05-31
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: TENET HEALTHCARE CORPORATION (TX)

For the past 4 months I have requested from   XXXX    the " ORIGINAL '' documents provided to them by the credit collection agencies who have reported negative accounts on my credit report. The credit collection agency is Central Financial Control and the account number is  XXXX . I do not have any knowledge of this account. Under Section 609 of the FCRA it clearly states that the credit bureaus have to have on file the with my " ORIGINAL '' signature that were provided to them by the credit agencies. After all of these months they have rightfully deleted some of the accounts reported on my credit report but to this day I have yet to receive all of the requested documents and the negative accounts have remained on my credit report. Each credit bureau have deleted some of the accounts that another bureau keeps reporting and some accounts have remained on my credit report that other agencies have deleted. How is that possible? Either they have the documents that I am requesting or they do n't. All am simply asking for is the " ORIGINAL '' documentation that they received from the creditors that have reported negative information on my  credit report that they are required to provide me with upon request and they have yet to provide me with that information yet they keep the negative information on my credit report. Could you please open an investigation and help me get my credit report sorted out.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have asked numerous ti mes for Capio to  send me the proof that these  XXXX  items on my credit reports are mine. The credit bureaus deleted these and now I seem them back on with out the proof ever being sent to me. These charges listed are not mine and it is fraudulent for them to keep reporting without 100 % proof and accuracy, which has never been provided! I am in the process of buying a home and this has been resolved once by the deletion of these items, only for them to reinsert them, it is not fair for them to be able to keep doing that. I have NEVER been provided with the original paperwork with information showing this
Consumer complaint received 2017-05-31
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: EQUIFAX, INC. (CA)

Per your earlier brush-offs - you state that inquires are a matter of record for every time I applied for credit.  HEY   XXXX ! I did n't apply for any credit for all the inquiries that I have been disputing for over 2 years!!!  <P/>  HELLO????  Why should I have to contact all  XXXX  creditors regarding something I did NOT apply for, that someone else has attempted to open???? HELLLOOOOOOO?????  <P/> DELETE THE INQUIRIES - I DID NOT APPLY FOR THE CREDIT - WHETHER IT 'S A CREDIT CARD, A LOAN, A CAR = NOTHING!!!  <P/> I AM NOT DOING YOUR JOB! THIS WERE FRAUD PLAIN AND SIMPLE!!!!!!!!!!!!!!!!!!!!!!!!!  <P/> CFPB - You guys are a joke! You have n't helped me at all.   I did NOT apply for these items, I want all inquires REMOVED - these are FRAUD!!!!   HELLLOOO!!!!!!!!!!!!!!!!!!!!!!!!