davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

( 1 ) I contacted National Recovery Agency ( NRA ) to verify the bill and they failed to respond within 30 days.

( 2 ) NRA reported an aged bill ( that I have paid it ) to my history without any notice before its 180-days period. 

In fact, the information in a collection account on my credit history is not mine. I had a bill on XX/XX/2018 from a medical centre inside another medical center that I have paid both bills within 180 days for medical bill. 

Please see the attached proofs.
Consumer complaint received 2019-02-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MB FINANCIAL, INC. (NY)

Mb Financial has been contacting me on my delinquent mortgage payments since XX/XX/XXXX. I had received call several times and asked to speak to someone to lower my payments and pay off amount due. I was told can not do and have to fill out Hardship Package. I had to wait 7-10 business days to get. I received around XX/XX/XXXX. I needed to provide tax forms, month pay stubs, fill out the package and send it back. I sent out package about XX/XX/XXXX. It took several days to receive. I was told by XXXX that my account would be looked over and that i would be contacted. No phone calls were made to me. I waited 5 days. I called back. I was then told that it was incomplete and that 3 pages didn't get retrieved. I reprinted the paperwork, and emailed to XXXX default at Mb financial on the XXXX of XXXX. I was marked completed when i called back by XXXX again. She told me i had to wait 2 more weeks for a judgement. It was then sent to XXXXXXXX XXXX XXXX XXXXXXXX lawyer 's office to assess fines and fees. I am simply trying to pay the amount. I asked for a statement and was told i have to wait 2 more weeks to get the email by XXXX. I was then told to call Mb financial for help. I called them they told me that it was out to the Lawyers office again. I just want to resolve, get amount. Pay and lower.
Consumer complaint received 2019-02-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc. (AZ)

Pulte mortgage is the company I received a loan for a new home at the XXXX XXXX community at XXXX Arizona. 
we received a home warranty for 2 years on this loan purchase. we informed Pulte 2 times that our upstairs bathroom shower was leaking into the garage. the first time they sent someone who was not a plumber and he told us nothing was wrong. then it happened again and caused even more damage, and a visible crack showed up after continued use. the 2nd time they sent a plumber but they refused to honor the warranty on the home. 
we paid for a warranty through our mortgage and this company is refusing to honor this warranty. this is not the first time something was not honored. we had to repeatedly complain until they fixed : 2 concrete cinder block fences that were falling down, 3 leaks in the kitchen sink which caused damage because they didn't install the sink correctly. 3 AC complaints because the AC wasn't installed correctly, and blinds that broke off from window because it was not installed correctly. 
Pulte got its money and a 8 month old home is not being fixed due to their negligent building process.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo had a problem which caused their system to go down. First I was told it was a system update this morning and that it would be fixed in two hours. I told the representative I had no money and that I was stranded. She assured me it would be fixed shortly. When I called back two hours later I was told the system shut down and they had no idea when I would have access to my money. The representatives showed no empathy and basically acted like that didn't care. I understand the system being down is not there fault. However there is no excuse for XXXX XXXX service and rude representatives. They have inconvenienced millions of people yet they have no compassion for those they serve. XXXX XXXX was the only person who showed that he cared and he did everything he could to help me. The rest were rude
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I submitted a fraud complaint on XX/XX/XXXX. Upon further investigation into my account, I realized the fraud was more extensive and filed an additional fraud case with the bank on XX/XX/XXXX. Per Reg-E, the bank was to issue me a provisional credit within 10 days of receiving the complaint ; however, that wasn't done until XX/XX/XXXX. 

The bank did not adequately investigate the fraud claim. The bank refused to provide written documentation when I requested it related to the investigation. 

The bank cancelled my account on XX/XX/XXXX citing " risk ''. On the same day, the bank put a $ XXXX hold on my account citing the need to reverse the provisional credits assigned during their fraud investigation. Today is XX/XX/XXXX and the bank still hasn't lifted the hold and released my personal funds. 
.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

When trying to use Navient 's website and contact the organization or obtain forms they state are necessary for requests, one is returned to the sign in screen ( and is logged out ), and then when one signs in again, one is sent to the home screen. There is no evident way to actually send communication to Navient. When calling their number, I waited for 20 minutes -- -after being told the wait is two -- -and having never spoken to a representative, I was auto-switched to the post-call survey. I uploaded a letter from my educational institution using the function on Navient 's website to show that I am fully enrolled for the Spring semester. Upon receiving it, Navient notified me that they need proof that I am enrolled and have no such proof. The ironic thing is that what triggered this statement is the very upload I gave with the information. I have spent a day of my life trying to do a simple thing, request a loan deferment because I am enrolled in school after taking a semester off. Their website offers endless cycles and no help. If they are profiting off of my interest, the least they could do is provide an actual human being to speak to.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have been communicating with XXXX since XX/XX/XXXX to opt out of IBR and change my payment plan to a lower payment plan. I speak with someone at least once each month since XXXX, XXXX and EVERY SINGLE MONTH I'm told that the following month everything will be corrected. I was told twice that I needed to do make opt-out payment, which was done in XXXX, XXXX, and then the correct payment of approximately {$1500.00} will start in the XXXX, XXXX. I was told that the bill is generated approximately 10 days before my bill is due, which is the XXXX or every month. I logged into my account today to confirm the payment and I see that the correct income payment amount of approximately {$1500.00} is not reflected, but instead a regular payment of over {$2500.00} is showing. I CAN NOT pay this amount! I have been diligent in trying to get this resolved, and every single month I get another excuse of why it has not been corrected. This is reflected on my credit report, as well. I need this to be corrected immediately so that the correct lower amount of approximately {$1500.00} is reflected. 

Please note that on XXXX, I spoke with XXXX ( # XXXX ). I also spoke with XXXX prior to this date ( although I don't have her employee number ). I spoke with XXXX prior to this, who is a manager and said that she would escalate this to be done in XXXX, but it was not done. 

On XXXX, I called and spoke with XXXX ( # XXXX ), who, after I indicated I was furious and need to speak with a manager, promptly put me on hold, refused to assist me, and ignored my requests and needs. Please also consider this an official complaint about XXXX ( Employee No. XXXX ). 

Later on XXXX, I spoke with XXXX ( # XXXX ) who told me that NOW my payment will be in effect in XX/XX/XXXX and I have to make ANOTHER administrative forbearance payment. Please look in my file and you will see that I made an administrative forbearance payment in XXXX, XXXX and possibly in XXXX, XXXX. This is completely unacceptable. 

I am looking to have this resolved immediately - meaning, before my XX/XX/XXXX payment is due. I expect someone to resolve this and to contact me.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

CFPB closed my complaint based on a letter that was later mailed to me, from XXXX XXXX, stating that {$25.00} had been deducted from my account. This was not disclosed to me during our conversations. This was not disclosed in any way, in fact, until after the account was closed. 

XXXX XXXX 's letter refers to the Terms, and describes this as an " Early Closure '' fee that was part of the Terms, however, the account was not closed early. 

First, contrary to XXXX XXXX 's implication, the Terms allow, but do not require this fee. 

Second and more importantly, " early closure '' is within 180 days ( see attached secure message from HSBC ). I opened this account on XXXX XX/XX/XXXX. I funded it on that same day via XXXX XXXX   transfer. After a few days, when that transfer had not been credited to my account in violation of HSBC terms and relevant law, I complained, and in the end, HSBC did finally credit my deposit, retroactively, another unlawful act, but putting the funding date as XXXX XX/XX/XXXX ( see second attachment, statement with date account opened and funded ). 

As per XXXX XXXX 's letter, the account was closed on XXXX XXXX XXXX. 

Whether counting from the date the account was opened ( as required by the Terms ), or when it was funded, in either case 180 days elapsed in XX/XX/XXXX, about a month before the account was closed. Indeed, after HSBC, in one of many messages exchanged via the secure message center on the HSBC app, informed me that if I closed the account within 180 days of opening it I could be assessed a {$25.00} fee, I deliberately waited until the 180 days had elapsed before taking further action. 

HSBC apparently assessed the fee anyway, without notifying me at the time, without notifying me before doing so, and without any basis for doing so.
Consumer complaint received 2019-02-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I requested that Affidavit of fact Page 1 enclosed to  Transunion / XXXX /XXXX they never responded to page 1 in any detail submitted on XX/XX/2018 enclosed transunion , response was Closed with explanation { i will receive results in 60 days of investigation never any information from any of the companies .I have contacted the company throught the CFPB many times no response but one and I can not get an answer to that question who owns this alleged account if it is in collection I can not get a answer from anyone. Also I keep getting update changes again, XXXX states in collection this seems to can not get validated also if this alleged account is in collections XXXX has no legal right to report this alleged account, BUt that makes this alleged account between the XXXX and myself paid in full making myself the alleged furnisher with all legal rights by owning alleged contract I have no alleged contract with anyone else on is this alleged account not a contract with any third party with my signature .i request a copy of alleged account paid in full
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

This past year, my husband spent 7 days in the XXXX. A XXXX, who does not get paid during the summer and I, a XXXX XXXX XXXX will not receive a paycheck until XX/XX/XXXX. We are unable to pay XX/XX/XXXX 's mortgage and contacted our mortgage company, Penny Mac. For two weeks I have contacted our assigned representative, over 15 times as well as calling into other departments in an attempt to get a response. On XX/XX/XXXX I spent 45 minutes discussing our situation and was told I would receive a call in 2-3 days. On XX/XX/XXXX, I missed a call from our newly assigned representative and returned his call an hour later. I have left 15 messages for him as well as his superior and other departments have emailed him as well asking him to contact me. No return call has been received since XX/XX/XXXX. I was attempting to call early to avoid any late payments and work out a solution for XX/XX/XXXX, but it is clear Penny Mac has no interest in contacting us or assisting in this matter. Today, I sent a 3rd message in their message center and there to, have received no response. Penny Mac claims to want to help their customers but it is clear they have no interest unless it makes money for them.
Consumer complaint received 2018-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

I have submitted a previous complaint through the CFPB regarding Navient 's processing of my grace period. That was collected under complaint # XXXX. In short summary, I withdrew from XXXX  school on XX/XX/XXXX and returned to school on XX/XX/XXXX. This process used all of my grace period for loans issued prior to XX/XX/XXXX. However, on returning to school Navient forced me into deferment despite multiple repeated requests that I made to enter into repayment under an income based repayment program. Navient will hide behind some incorrect interpretation of documentation that they received from my school but for months I would call Navient, talk with their representatives and would attempt to remove my grace period and enroll in an IBR and would be told that the process would begin next month. This process repeated itself for months before I was ever told that Navient had incorrect information about my enrollment dates at school. This blatant error on their part cost me thousands of dollars in accrued interest on my loans. Additionally, this increased the amount of interest that capitalized on my principal when I finally would be let into the IBR repayment program. 
Following the issue of my previous complaint the company quickly entered me into the appropriate repayment which occurred on XX/XX/XXXX. On XX/XX/XXXX despite multiple months of payment in the REPAYE income based repayment program and repeated requests now that I remain in repayment Navient removed my loans from the REPAY IBR program and again placed me into grace period on those loans. According to documentation that I have received from Navient this has occured because I graduated from medical school this summer. Navient has specifically stated in their response to my previous complaint ( #  XXXX ) that they are aware that I have used up my grace period on my loans. They have illegally placed me back into grace period as my loans have no grace period left. I have not realized this occurred until now as Navient, despite entering me back into grace period and removing me from the REPAYE program, has continued to happily receive my autopayments. This illegal activity from Navient will end up costing me more than a XXXX dollars in lost interest subsidy from the REPAYE program and missing out on the 0.25 % interest subsidy from autodraft payments while on a repayment program.
Consumer complaint received 2015-08-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

XXXX XXXX # XXXXAdvance Financial XXXX XXXX XXXX TN XXXXI have been a customer of Advance Financial XXXX for close to a year. I went into the office on XXXX XXXX 2015 to Pay may pay day advance and to rewrite the pay day advance in the amount of {$550.00}. I was told by the customer service representative that the company no longer does pay day advances and that if I needed the money I would have to take out a Flex Loan Plan. I was told that this would be like any other loan that XXXX % would go to interest on the loan and the remainder of my bi-weekly payment of {$67.00} would got toward the principal of the loan and that if I paid more than the {$67.00} it would go toward the principal as well to pay the loan off sooner. I asked if there were any other fees and I was told no. So I electronically signed the contract. I did n't read the fine print because no matter what I had to take this loan out my rent was due and if I did n't pay I would be evicted. If I did n't take this loan out I would have no money to pay my rent or buy gas to get back and forth to work or buy groceries!!! I feel like I was strong armed into taking out this loan because Advance Financial XXXX are predatory lenders who make their money from poor people in dire situations, the elderly and the uneducated. I received my billing statement for XX/XX/2015 to XX/XX/2015 and after paying over the {$67.00} bi-weekly payment for the past 3 months what started out as a {$550.00} loan now has a balance of {$620.00}. I am being charged a Customary Fee of {$50.00} with .7 % interest that I was n't told about and after calling customer service to find out why I was told that this accrues daily on top of the regular interest rate and the APR of 279.5 %!!! This loan is growing not getting paid off, at this rate I will never get this loan paid off!!! This company is not accredited with the XXXX and has had XXXX complaints over the past 3 years most similar to mine. I feel deceived at the least, these companies have to be stopped. I have no problem paying what I borrowed, and according to this billing statement I have paid YTD {$340.00}, {$310.00} to the customary fee and {$29.00} to the interest and NONE to the principal. I will pay the remaining {$200.00} but I will not continue to pay for the customary fee. I will not pay anything until this matter has been resolved. 

I will be sending a copy of this statement to the XXXX Consumer Financial Protection Bureau, Department of Consumer Affairs, Federal Trade Commission, XXXX XXXX XXXX XXXX, U.S. Department of Justice, FDIC and any and all other organizations or departments I need to, to get this matter resolved. 

Thank You, XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Please Delete hard Inquiries, 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 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need Equifax, XXXX, and XXXX to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I have owned my home for 14 years, not once in those 14 years have I made a late payment on my mortgage. My mortgage was apparently sold and is being serviced by Ditech. In XXXX 2016 my automatic payment for my Principal and Interest was not deducted from my bank account, there was however a NSF Fee. I contacted Ditech immediately to inquire about the issue. I was told that I had been sent a letter ( I never received ) requesting proof of flood insurance and when it was not provided that Ditech had opened an escrow account and my payments would be significantly higher due to this added escrow. This is not the first time I have had a mortgage servicer request proof of flood insurance, I gathered the requested information and faxed it to them immediately. I followed up and was told it had not been received. I sent it again. I followed up and was advised it had been received and would be resolved. I then began receiving letters that my account was delinquent, I called back several times. They refused to take payment unless I paid the Escrow amount that I had already been advised was not warranted. On my second attempt to make a payment, I explained the issue and spoke with a supervisor that authorized the payment on the principal and interest to get me current, she also assured me that once my insurance was received the insurance coverage they opened would be stopped and the escrow account closed, to find out afterward they applied it to the escrow account. I have sent Fax after Fax, email after email, proof of insurance for flood. Once confirmed they had updated the flood insurance, they then opened a Second account ( forced insurance ) for Hazard that no one until that moment had mentioned to me. I Immediately sent proof of Hazard insurance. I have requested in writing that the escrow account was not authorized or opened by me and requested it be closed, this was declined they said due to non payment of the same escrow account I have proven was not opened by me or required. My Insurance documents have been verified as having been received and updated yet I still can not make the proper payments on my mortgage. My insurance coverage has never lapsed, expired or been cancelled due to non-payment. I have been advised by ditech on several occasions that this will be resolved, yet it never has been. I have made dozens of calls requesting escalation and an insurance assessment and am still unable to get this issue resolved. I just want to pay my mortgage. They have received all requested information yet they are determined that I am going to have an escrow account and I am going to have to pay my insurance TWICE every month.
Consumer complaint received 2016-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc. (CA)

This debt buyer is reporting inaccurate information on my report. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report. This account was paid directly to the creditor. I 've asked XXXX to remove it & they claim I need to contact the debt buyer directly. I 've called them on the phone to remove & they said I owe it & I have to pay, but yet they 've never sent me anything ... .this is strict violation of the FDCPA & FCRA. I 'd like it removed immediately.