davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

I am trying to resolve ambulance charges for my elderly mother in XXXX XXXX. The charges were sent to Credence Resource Management in XXXX, and they are still unresolved. Mom ca n't hear and has XXXX that is progressing rapidly. I started contacting them in XXXX and they refused to talk to me. Their XXXX letter/bill to mom said that she OWED over {$1700.00}. But I see today on a Medicare statement dated XXXX XXXX, XXXX that Medicare PAID all but {$110.00}. Why were they asking for the full {$1700.00} in XXXX and until today? 

I submitted POA papers to Credence ( to get them to TALK to me as the daughter ) in XXXX and they said they never received them. Sent another large packet of papers including POA papers in XXXX with a signature receipt from XXXX XXXX. I received confirmation and signature from XXXX XXXX that Credence took delivery on XXXX XXXX. When I called on XXXX and XXXX Credence said they still had not received it. Their own internal paperwork is lacking! 

Today XXXX XXXX XXXX talked to Credence for a LONG time. They finally confirmed that they have the XXXX papers and can talk to me. They also confirmed that the bill was sent to Medicare and that Medicare partially paid it. {$110.00} remains to be paid. 

Mom has secondary insurance with XXXX XXXX XXXX XXXX - XXXX XXXX insurance. Credence REFUSES to send the remaining {$110.00} expense to XXXX XXXX XXXX, because they claim that it wo n't be covered. As I understand it you should just submit the expense and let XXXX XXXX XXXX determine if it is covered or not. 

Mom had an earlier ambulance ride XXXX XXXX XXXX ) that was FULLY covered by the combination of Medicare and XXXX XXXX XXXX. That is why I am insisting that the expense be submitted to XXXX XXXX XXXX. 

Please HELP get Credence to SUBMIT the residual {$110.00} expense to XXXX XXXX XXXX! 

P.S. This form is being submitted by the daughter who has POA. Mom ca n't hear and has XXXX which is rapidly progressing. I am just trying to resolve this bill.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (OH)

I filed a fraud dispute several times with XXXX Credit agency. I called at XXXX XXXX XXXX XXXX 2016, I sent them a police report a dispute letter stating fraud XXXX time in 3 months, I have spoken to them several times about wrong names listed on credit report andd the company Pinnical Credit Services which the fraud dispute was filed. My conversation today was nothing has been filed, disputed and names had to be disputed once again
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (MA)

Keep getting calls from Credit control llc about debt collection. I do not owe any money and all my accounts I do have are paid on time every month. I am thinking these calls are for the person who previously had my number. I want the calls to stop. This is harassment!
Consumer complaint received 2016-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Immediate Credit Recovery (CA)

Immediate credit recovery submitted me to garnishment to stop my process of consolidation that was submitted. They are falsely reporting on my student loan account and not properly servicing my student loans. They need to stop this garnishment asap and honor my consolidation.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

The company that is servicing my loan ( Shellpoint ) holds money in an escrow account. They are supposed to disburse my property taxes and homeowner 's insurance from this account when due, but so far they have not done so. The XXXX XXXX County tax collector website currently shows my tax as past due and my XXXX insurance agent says a payment has not been received, which would essentially mean my home is no longer insured. I have called them repeatedly to discuss this situation and no action has taken place. How can they hold my funds and not make these scheduled disbursement, the result of which is increased risk to me.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (FL)

Ocwen loan servicors is trying to collect a debt they do not have the legal standing to collect from me. Ocwen has asserted themselves on my homeowners policy as my mortgagee, they do not have any documents to support this claim. At best they are a default dect collector which I have no legal obligation to pay any money too. They have not been able to validate the debt according to the law. 
They acquired the suppose debt when it was in default therefore they could never be a true correct or legal mortgagee. The remedy I seek is for them to remove themselves as mortgagee from my XXXX XXXX casualty insurance policy so I can have a check issued to me without them as a cosigner. 
I do not believe that I Ocwen has the legal standing to ask me to pay them anything as all the documents they have sent me do not have their name as the original creditor on them. They have sent time and time again documents that do not contain their company 's name as a creditor. Therefore I believe that they 're standing is illegal and they need to stop interfering.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NJ)

I have owned my home for 20 years and am facing foreclosure due to the fact that the current holder of the mortgage, Shellpoint Mortgage Servicing, refuses to allow me the opportunity to negotiate or compromise or work towards any type of reasonable solution. They are denying me access to government and in house programs that I believe that I qualify for, they have refused to assign a dedicated contact to work with me, and when I try to call them to work towards resolution they say they are not responsible for what the past holders of this loan did wrong. I am essentially told that I unless I offer them one lump payment for the full reinstatement of the loan that they have no interest in speaking with me and that I need to talk to the foreclosure attorney. 

I am a self employed real estate developer and I make a decent living. In 2008 when the market crashed I, like millions of other Americans began struggling and was not able to keep up with my obligations. As a result, I fell into a foreclosure status and began trying to work things out with my lender at that time, XXXX. After trying to get XXXX to work with me I ended up negotiating a lump sum payment of {$25000.00} in order to postpone my sale date and work towards restructuring or modifying my loan. However, despite this large payment on my part, XXXX did not work with me towards this goal and instead my loan got transferred to XXXX. 

While at XXXX I tried once again to start the process towards restructuring or modifying my loan, but was unable to make any progress. Believe me, it was not for lack of effort. When I would finally get someone on the line from XXXX they would tell me that there " were no options, and that I needed to reinstate the loan or they were going to foreclose. '' I believe that XXXX was denying me access to government and in house programs that were set up to help people such as myself. 

Since the loan has gone to Shellpoint, I have run into the same issues. The agents are telling me there are no options other than full reinstatement and that my issues I had in the past with XXXX and XXXX are MY problem, not theirs. I believe that Shellpoint is denying me access to government and in house programs that should be made available to a struggling homeowner such as myself. I am employed and can afford a reasonable mortgage payment. I realize that I am delinquent on this loan, but I want to be presented with options OTHER than full reinstatement in one lump sum. I believe that Shellpoint is violating the government rules relating to their receipt of bailout money from the taxpayers and that I am entitled to a fair and transparent review of my current and correct financial information so that I can be considered for restructuring or modifying my loan. To date this has not occurred.
Consumer complaint received 2015-06-16
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Technology Incorporated (MD)

CTI is using unethical practices in collection for the US Dept of Edcuation. I have sent several rehab payment agreements for my student loan. Every other three or four months I 'm being called to state that they never got my paperwork and that I put myself on a payment program when I have faxed several times over all the requested information from this office. As of XXXX/XXXX/15 I was told that they never received my paperwork and now being told I have to pay more than what was agreed upon. They are the worse at this and I ca n't believe that the federal government has allowed this agency to use and collect for them.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I have been considering this for some time now and I feel, on more than XXXX occasion and in light of recent events with Wells Fargo, that several transactions have been held so that there can be a NSF fee charged to my account. 
There were several from XXXX XXXX XXXX/XXXX/2016, XXXX actually charged a {$35.00} fee on a {$1.00} transaction. I keep very specific records of my transactions and if any, there should have been only XXXX NSF fee. Everything matched up on XXXX/XXXX/16 with my accounts and the bank transactions, but then suddenly on XXXX/XXXX/16 I was negative XXXX and then I was charged XXXX NSF fee 's. This is ridiculous and absolutely unacceptable! 
I have spoken to a customer service representative and I understand that no one would openly admit that their company is taking advantage of people, but it sure feels that way. I also understand that transactions come through in different times, but some things are just not adding up here. The banking industry has gotten out of hand.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I am a co-signer on a Navient student loan. I have paid-off XXXX of the XXXX loans I am a co-signer for 3 years ago. I paid a lump sum on the XXXX loan about XXXX years ago to bring it current. I verified the XXXX loan is current, the goal is to be released as a co-signer. Granted the borrower pays the loan, but based on her pay period about XXXX or XXXX weeks late. Recently, Navient approved a XXXX month forbearance XX/XX/XXXX thru XX/XX/XXXX. I received notice of the forbearance after it was approved by mail. I was unclear of the issue, and made a call to Navient on XX/XX/XXXX to have the forbearance and the account status explained to me. The account shows that all payments for XX/XX/XXXX was received ... some late and late fees were assessed. But, I was confused as to how the forbearance was necessary. After about XXXX hour on the phone, XXXX transfers later, I requested to speak with a Supervisor to explain. I was told the account was a month behind ... which it does not appear to be the case ... and the forbearance is the reason for the zero balance, which in my understanding only removes the XX/XX/XXXX payment. It 's never easy communicating with Navient, and the workers are not knowledgeable and you feel as though you are caught in a bad dream that will never end. I do n't agree to forbearance 's, but as the co-signer I have no right to prevent it. I made a payment on XX/XX/XXXX, that should be posted in the account this week. My main goal is to be removed from this loan as a co-signer ... and I will be requesting the borrower to submit a request to removed me from this XXXX loan. However, because of the way she pays and the recent forbearance I 'm not sure my request will be granted. Please help. I WILL NEVER CO-SIGN A STUDENT LOAN AGAIN AND I WILL NOT RECOMMEND NAVIENT AS A LENDER TO ANY STUDENT.
Consumer complaint received 2016-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC (PA)

I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (PA)

Please reference complaint XXXX and the subsequent dispute that has gone nowhere. The details are outlined in the complaint. 

Wells Fargo responded with a lie that is a violation of consumer protection laws. At the time my mortgage was contracted they had a contractual relationship with XXXX to manage the bi-monthly payments for my 15 year mortgage. I asked in my complaint that Wells Fargo provide the documentation that I signed in the application that explains that paying twice a month would only save me one year on the length of my mortgage as opposed to 4 years which is what I was told. 
Wells Fargo 's response was that the blame lies with XXXX, with whom they said I contracted on an individual basis. 
This is not true - Wells Fargo and XXXX had a contractual relationship at the time. 
As a consumer I am entitled to see the documentation from either Wells Fargo or XXXX that documents definitively the terms of the bi-monthly payment and the end-date of the schedule given the advanced payments. 
The purpose of this complaint is to have BOTH Wells Fargo and XXXX speak and provide me with the documentation that clearly states the conditions that I agreed to when I signed up for the twice a month payments. 
XXXX XXXX XXXX, CA XXXX I do not want to hear that they are blaming the other one - they had a contractual relationship with each other at the time of the mortgage and they need to provide the documentation that was a part of the application process that explains that I understood the timing and conditions of the advanced payments that I agreed to.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I went to Chase Bank website to check my refund status and noticed that my refund had not yet been deposited. I checked IRSXXXX with my personal information and I made an inquiry and determined that on XXXX XXXX 2016 my refund had been deposited in to my account. I checked my Chase account and to my surprise it was not in my account as indicated by the IRS. I called Chase and asked why my money was not in my account, Chase bank claimed to not know anything about my refund and suggested I call the IRS. I called the IRS to question my refund - They reported the IRS would have to investigate further - subsequently mailed us roughly XXXX weeks later, we received form # XXXX stating " your refund was direct deposited into the account indicated on your tax return. If the account number on your return was incorrect, you must contact your financial institution to resolve the erroneous deposit. '' All attempts to resolve this matter were met with negative results. It has since been determined that the finical institution ( Chase Bank ) violated their own security policy and procedures by failing to ensure that the name on the account match the names on the IRS prepared deposit.
Consumer complaint received 2015-11-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

My mother passed away earlier this year and I tried to get Wells Fargo to put the loan in my name. My attorney sent them the death certificate again but a month later they had still not coded it properly. I am supposed to be working with the assumption/silmutaneous modification department but they will not give me an answer since they do not have it in their system that my mother passed away.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC (TX)

This company has called me 5 times in the past 2 days, twice at my office number. I have not received any information via mail with a debt that I owe and feel that the debt collector is harassing me by contacting me at my place of employment and threatening to go to my Human Resources department. They contact me at XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XXXX at my place of employment, XXXX on XXXX, XXXX on XXXX at my place of employment, XXXX on XXXX at my place of employment.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (SC)

Every month my balance would be example A but my fanicial Intrest on my account is on XX/XX/XXXX.chase bank would state that my princple balance is A but when i get my monthly statement.i see that chase add faniacial intrest to my balance causing it to be higher so when they do the math chase comes out with more.for an example see below XXXX on XX/XX/XXXX should be XXXX plus intrests.not on XX/XX/XXXX bal XXXX added intrest causing balance XXXX than intrest added again saying bal was XXXXon XX/XX/XXXX. Puting chase at a better position against customers. I think its fraud.and it keep cusumer in debt.you can call for your balance its one thing but day of intrest add that balance is higher for some reason.if i sont say nothing the banks are getting away with it.why would the principal bal change that much fron XX/XX/XXXX to XX/XX/XXXX and card not being use.ita a scam.so i report chase bank.
Consumer complaint received 2015-06-18
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Integrated Recovery Services (VA)

I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to XXXX. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from Integrated Recovery Services. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.
Consumer complaint received 2016-03-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Bank of America and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis!
Consumer complaint received 2015-09-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

Central Financial Control XXXX Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. They do not have a phone number listed and only have a XXXX so I am unable to send certified mail. I 'm addition according to the XXXX website this company is no longer in business after a settlement with CFPB for deceptive debt practices which I believe I am a victim.
Consumer complaint received 2017-02-16
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Navient Solutions, LLC. (WV)

I called a number that I found when I searched for Navient Customer service. I called twice. Each time I answered they said Hello, my name is XXXX. Are you calling about your federal student loans? I then said yes and proceeded to give them my email and social security number. They emailed me a pin number that I needed to repeat to them but I needed to get off the phone to view the email. They were both times to call back in 5-15 minutes. Neither times did I receive a call back. The number I called was under navient.studentserviceloan.org. 
The two numbers I called was XXXX. Then after I began to think I may have been scammed, I searched navient customer service again and a different number XXXX. So I called for sure third time and when they said Hello, my name is XXXX. Are you calling about your federal student loans? I ended the call.