davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: JPMORGAN CHASE & CO. (SD)

I had called back in XX/XX/XXXX and spoke with Chase Bank financial auto about what I could do to get some assistance for my XXXX XXXX XXXX. I had spoken to a representative and he had said that they were allowing customers leeway in paying back monthly payments that they couldnt properly provide at the time for each month for payment. I had lost my job in XX/XX/XXXX because of Covid. I could no longer pay my bill because the company I was working for was laying people off because they couldnt afford to pay their employees during a time of a entire country closing down lines of business, loss of employment and laying people off. ( United States of America ) Going into a new year of XX/XX/XXXX. I was just getting off of work from XXXX XXXX in XXXX Colorado. I had a car repo man park behind my vehicle, saying that hes coming to repo the car. I said I had an agreement with Chase Bank that I didnt have to pay until the end of the contract to have it in full for my agreement because of Covid-19. He laughed at me and said no were coming to get the car and you need to get all of your belongings out and talk to your car loan company. I never received a call I never received an email or a letter in advance that if I didnt pay that they were going to repo the vehicle. I had no car on XX/XX/XXXXXXXX XXXX XXXX XXXX. Became almost nearly homeless that year when I was almost making XXXX figures. I ended up having to leave my home in Colorado because of this issue and couldnt figure out a way how to get to work and back because my car was repoed. I tried to contact Chase Bank and asking them as to why their representative told me that they were giving out Covid assistance during a time of need and hardship. They ignored my request of proof of recorded calls from XX/XX/XXXX up until XX/XX/XXXX. I was misled and lied, and not treated with and type of empathy or acknowledgment that I needed during the time of my financial hardship.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (NY)

Hello, the amount of XXXX dollars was stolen on XX/XX/XXXX, from my Key2Benefits Prepaid Debit Card. I reported to the bank right away about those unauthorized transactions. 
On XX/XX/XXXX I received a physical letters that it was confirmed, the money was stollen according to them and the money will be returned on my account, I just have to wait for a new card for two weeks ( I have those letters on my hand ), in the end Customer Support told me that the card was not even sent and then they said that the account was closed by XXXX. 
I contacted the XXXX they told me that account was closed because of scam activity and I have to receive refunds from Key Bank by check or direct deposit. 
Then I called again to Customer Service and they said that the check was sent on XX/XX/XXXX and I have to receive it in 10 business days, but I didnt received any letters .Then I called again and they said that the check was not even send, my question was when its gon na be send? Nobody cant answer me on this question already for tree months .Today is XX/XX/XXXX, I was contacted the supervisor of Key2Benefits Bank again, and the lady XXXX told me, that since I updated my physical address, which I did on NDOL on XX/XX/XXXX they still can not see my new address on file and that's why they can not issue a new check, witch is ridicules because I conformed with XXXX five times that they have my new address on file. I asked to send the check on previous address or where I got the latter from KeyBank on XX/XX/XXXX or make a direct deposit but they told me that they can not. As well I send them the proof of the new address on email and fax, and I have all confirmations that they recived it. 

I just wan na get those fands back. 
I was speaking to supervisors every day and they cant solve my problem and give me some answers. 
Can somebody help me what I have to do in this situation? 
Best regards. XXXX
Consumer complaint received 2018-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Spero Solutions, Inc. (WA)

XXXX - Now XXXX - used ambiguous language to get me to agree to pay an up-front service fee to get me on an income-based repayment plan with my student loan service. While they did do that, they led me to believe that a monthly fee of {$39.00} would be paid toward my student loans. In reality, that fee was not going towards my student loans at all, it was going to some random insurance company I never heard about at any point during my dealings with them. So, they got me to believe that I was paying {$39.00} a month toward my student loans using faulty language over the phone, and in reality that money was not going where they told me it was going. I just found out about it when I checked my payment history with my actual loan services ( XXXX XXXX XXXX / XXXX ), and a representative there informed me that there are many 3rd -party companies scamming people in this way. I filed a complaint with the FTC, and I'm seeking legal council, but I need to follow through with cfpb as well.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$680.00}
Consumer complaint received 2024-01-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mr. Cooper Group Inc. (OH)

My father added me to the house deed. My XXXX  took out a loan and we thought the debt was paid off XXXX years after her death, because of a letter stating your mortgage has been paid thinking she had paid for the debt forgiveness after death. My father had refinanced the house not long before we received the letter We waited for around a few months and received nothing about a loan payment and checked recorders wesbite and no debt was owed on the house. He put me on the deed to the house, thinking he was able to give my family the house. My father took ill from XXXX and entered hospice at the house. I received a letter from freedom mortgage stating the loan was in delinquency. Apparently the incorrect address was put into their system. At the time I didn't have a job that payed well. After his death, calls from some company started on his phone, they wouldn't say who they were nor speak to me and would hang up when i told them he wasnt around. A few months went by and they started calling me, once again not telling me who they were or what they wanted. Not sure how they received my number. After the house has been in delinquency for many months they finally told me they were XXXX XXXX, by then the amount was far more that I could afford to bring the mortgage up to date. The debt went through many companies. XXXX XXXX, Mr. Cooper, XXXX XXXX, XXXX and now resides with XXXX servicing. I received a summons to remove my XXXX, XXXX kids, XXXX XXXX  and myself from the property with XXXX bank as the trustee. I have nothing to do with this mortgage and the only options they give my family are, refinance from XXXX to XXXX. XXXX XXXX to bring the mortgage up to date, or get out. XXXX is what the principal was, now it is around XXXX with delinquency, which they expect me to pay to keep the home. Everyone I have spoken to has told me something is not right with this and I have to agree, including my bank when I tried to get a load to bring the loan to date. I tried to and got pre-approved for a home loan in order to move away from this house, seeing how my options here were not financially feasible, having to pay XXXX on a house valued at XXXX, not to mention the absurd amount I would need to spend to do repairs to the home. I received a call around an hour after being pre-approved. Apparently because of the debt on the house I am not able to get a loan to move my family away. Because of the actions I have no way of getting a loan, i was informed by the loan company i spoke with, to get a normal loan would take XXXX  months to get an FHA loan would take XXXX years after my name is no longer on the deed, over a loan that is not my responsibility. From the information I have gathered and the timeliness in which these actions happened from the loan companies I feel like some things were procrastinated with the intent of this specific outcome.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CO)

The last XX/XX/XXXX I went to Sears store for shopping some stuff at XXXX XXXX XXXX XXXX XXXX  Co. XXXX, when check out the balance was {$58.00}. The cashier asked me do you want credit card store. I was thinking maybe its the moment for apply for one card store for build better my credit. I say yes, I notice she was talking a lot, never give me the right information, just talking about the offers. I sign some documents but I notice doubles papers, I asked her DONT PULL UP MY CREDIT TWICE, she answer me no, just once very softly. After two weeks I received two letters, with two different reference numbers, in this moment I was so upset, I went to the store, I spoke with XXXX, she tell me the general store manager is no in the store for one week well I spoke with her about this problem. XXXX says they cant do anything, but I say the problem come from the shop worker and she offer a letter never received. This is not fair because take me long time to build my credit for just this inappropriate practices from the cashier ; she was just thinking in the commission she was received but never thinking how affect my credit. I never authorize two applications for credit card, please I need your help, I dont want to lose many point just for one person how just thinking in the money, she will receive for the credit card application.

Thanks XXXX
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported BOA false charge to my checking account by XXXX in three different transactions. They gave credits initially in XX/XX/2018. 

I received the letter now, stating they will remove {$280.00} from my account. 

I called back XXXX, request not to remove {$280.00} from my account. 

They refused my claim.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

On XX/XX/year> I attempted to contact Nelnet via email. I will include my message to them at the end of this section. I had my loans transferred from Great Lakes. I had set up an account on XX/XX/year> and could log in at the beginning to see a SAVE plan with {$0.00} payments. Nothing has changed in my circumstances, and I received no communication indicating a change, but suddenly my payments are {$330.00} a month. I am receiving automatic emails from Nelnet and Dept of Ed that action is needed on my account. However I am unable to reach anyone via phone due to unrealistic wait times and I am not able to get an email response from them. At this point I am so frustrated and distrustful that I would prefer only email communication from them for the sake of having a paper trail. I do not see why I need to pay back incorrect or misguided amounts ( or really owe them anything at all ) if they are not upholding their responsibility as a loan servicer and actually servicing the loan. All research Ive done online points to zero solutions and many others struggling with the loan servicer failing to service loans. 

My goal is to rectify the account to reflect having a {$0.00} payment, erase the negative balance and consequences from this, and make Nelnet understand I can only uphold my end of this if they also do their job. Not only do I find these loans predatory in the first place, but this is absolute torture. 

The email was as follows : I am writing to rectify an issue with my Nelnet account. 

Upon making my account after my loans were transferred from Great Lakes, the website indicated I was on the SAVE plan with {$0.00} payments. I expect this information to be correct simply as a bare minimum expectation per the agreement of the borrower and loan servicer. However, this is additionally important due to extenuating circumstances I have faced this year. 

I have now received correspondence that my account is past due. The notice is dated XX/XX/year>. 

I expect this balance to be corrected, for interest accrued to be adjusted accordingly, and for the SAVE plan to be verified on the account. The account upon set up was in SAVE status per the website, so additional payments and processes should not be necessary. The account was set up XX/XX/year>. To reiterate, the balance and interest to be corrected. I will keep documentation of these correspondences, including the ones incorrectly indicating I have payments due. I will conduct all correspondence in writing to later verify my efforts to keep my account correct if necessary, as I am displeased with the transfer of my loans to a servicer that does not seem to be organized or respectful of the borrowers time and money. 

Thank you for your prompt attention to this matter. I look forward to having this promptly resolved and having a straightforward relationship between borrower and servicer in the future. 

XXXX XXXX
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (TX)

My next years payment increased almost XXXX dollars a month. They said there is a shortage of XXXX in my escrow which is not the case. They add hazardous insurance to my account XXXX which is also on my 1098 tax form that they said didnt matter that information isnt correct. Well why is it on my tax form if it isnt correct : I have had the same insurance company for XXXX years, they have always taken out the correct escrow each month with no issues. There cant explain the extra XXXX a month even though I have paid my escrow which covered my taxes, the added this hazardous insurance for no reason.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (CA)

I have contacted wells fargo regarding my credit card not being reported on XX/XX/XXXX. No response, no help, just asked to fax my info to their department. 

I have contacted XXXX, XXXX  and XXXX end of XXXX, then in beginning of XXXX, and none of them were able to resolve this.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To drop my PMI, Bank of America is insisting that I use their appraisal company that is charging {$570.00} to do a home appraisal. Home appraisals in this area are {$450.00} at the high end some are much lower. They are licensed by the State of Texas so I should be able to chose one on my own. So my complaint is that they are forcing me to use their appraiser and pay a much higher fee. They are also charging {$170.00} for a Stand Product Listing fee. 
It also took two request to get a letter from them that allows me to schedule their appraisers, then I have to mail it to them and wait on a response. They are slow to act and will not give you any information on the phone about if you are near the 80 % mark so you are just taking a chance and paying the large appraisal fee to maybe be told no your not quite there yet. They should look at the appraisal district which is usually lower and be able to give you an estimated time when you would be eligible and not just wasting money.
Consumer complaint received 2024-01-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received XXXX ( XXXX ) {$100.00} Amex XXXX XXXX ( {$200.00} total ) for XXXX this year. Card/Account Numbers can be provided if needed. I have tried to use the card XXXX XXXX in multiple locations but it does not work. I can confirm that there is a credit balance of {$100.00} on each card. American Express customer service sites security protocols to protect the consumer and says that there is no issue with the card. 

After this happened I looked into this a bit more, and came to find out that this is a common occurrence and XXXX  other people have been effected by the same or similar issues. I am hoping that by filing a claim this will force Amex to rectify this issue. I would also like to get compensated for the money that was spent on the gift cards. 

Until American Express resolves this issue with their cards, no one should purchase them.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Concord Servicing Corporation (CA)

On XX/XX/XXXX I applied for a credit card because my XXXX XXXX was listed as very good. I pay for XXXX service to stay on top of my credit so I check it regularly and have the app downloaded to my phone. When I was denied the credit, I called XXXX to ask why, and they stated that my XXXX and XXXX credit was showing late payments and a delinquent account. When I signed up for the XXXX service to obtain my credit report, it showed negative reporting multiple times from Concord Services. I called Concord Services to ask who they were and why they were reporting negatively to the credit bureaus. Over the phone, they were unable to provide me any account information except the account number XXXX and email XXXX. I emailed and they told me I am not authorized to speak on the account, that it wasn't in my name. I added my husband to the email, who would be the only other person on the account and they have refused to respond to any additional requests sent by us both ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We do not have an account with this company, have never had an account with this company and do not have any knowledge of any account with this company. They have been reporting negatively to XXXX and XXXX ( not XXXX ) since XX/XX/XXXX. I have filed disputes with both XXXX and XXXX and those are still pending. I sent the history of emails to them both to review. Please help with this fraudulent company.
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AL)

I do not owe any debt for what National Credit Systems is trying to collect on. I have attached a signed letter from the original creditor XXXX XXXX written by them on their official letterhead stating no money is owed on the account. Despite this obvious evidence, National Credit Systems has falsely reported the debt as an active collections to all 3 major credit bureaus. I need it deleted yet they refuse to do so as they are falsely claiming the debt is not owed with the official letter from XXXX XXXX states otherwise.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (SC)

On XX/XX/XXXX, PHH Mortgage Services received my principal-only payment of {$1300.00}. I mailed a check accompanied by a statement stub explicitly identifying the payment as principal only. Also, I added a note on the check. PHH reduced the principal payment by taking out interest on the payment. This effectively pays PHH a portion of the payment and reduces my payment to the principal of my loan. This practice has had many negative impacts on me. It prevents my efforts to reduce my loan amount, increases the amount of interest owed on the loan, incorrectly states the 1098 interest reported to the IRS, and results in an inordinate amount of my time trying to get them to reverse what they have done. The primary reason to file a complaint is the recurrence of this by PHH Mortgage. I believe PHH Mortgage is intentionally misapplying principal-only payments from customers to increase their interest revenue. The very same practice occurred by PHH to a principal-only payment I made in XXXX.
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elite Recovery Group LLC (OR)

I noticed I had a negative mark on my XXXX XXXX from debt XXXX Elite Recovery Group LLC for a past due balance. I have never received any notice that any account of mine was going into collections. And I never received any communication from Elite Recovery Group LLC regarding any account of mine. The entry of my credit report was dated XX/XX/year>, so it's been nearly XXXX XXXX  and I have never received anything from Elite Recovery Group LLC.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year>, I sent the letter to the credit reporting agency and they did not respond within the 30 day allotted time frame according to Fair Credit Reporting Act with Transunion, XXXX and XXXX. I was not notified of the investigation status. 

These accounts need to be deleted from my credit report : 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 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 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 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 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 XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Convergent, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.