davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people's money!!!!
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (CT)

Hello CFPB, Thank you for your time to taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using western union money services. I recently reached out to western to get the details of money I sent from the year 2000 to now but western declined through my email requests. I contacted western union at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont even know that exists and also representatives are very rude responding customers ) representatives and they even dont know the USA geography and simply denied my request many times and declined to transfer my calls to US customer support saying that there is no US customer support available.

The western union company has headquarters based in the USA but all poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. Western simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX  and other places. 

I will pay a minimal fee if I required to pay to get my required info. 

People I sent money through money western union : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX 4.XXXX XXXX, XXXX 5. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IN)

I applied for a modification in XX/XX/XXXX due to the loss of a domestic partner that contributed to bills and was denied. They requested I be placed on a repayment/forebearance plan. My regular payments at the time were $ XXXX/mo. They approved repayment at {$2100.00} for five months to cover arrears and I would be current. Obviously, if I cant pay {$970.00}, I definitely cant pay over 2x that amount. Being defeated, I tried once again in XXXX, XXXX. After numerous calls with no updates or communication, I was denied again because the date on the application was older than 30 days ( it had been in underwriting with a complete package for the majority of this time ). By the time I was able to respond, it was too late. Fast forward to XX/XX/XXXX when I was advised I had a complete package. Ive called about 7 times to check the status only to be advised it was still in underwriting. They refuse to provide me any details around what steps have been taken nor whether theyd need any updated information and to call back in a week. In the meantime, the application is reaching that 30 day mark. Im sick of dealing with this company. I keep getting the runaround and am in great risk of foreclosure on my home. I will have no place to live. I need some transparency into this process. I know there have been class action lawsuits against this company because of their failure to follow due dilligence when people are struggling to keep their home.
Consumer complaint received 2021-05-25
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: Conn's, Inc. (LA)

Hello my name is XXXX XXXX XXXX and I have a dispute with Conns XXXX XXXX they have XXXX dollars on my credit report and I did not charge anything for that amount and it is on my credit when I was in XXXX XXXX La I had a house fire at XXXX XXXX XXXX XXXX XXXX LA and I did not have no uitilites and no water on at the house. I was working on the repairs to the house but since then I had a XXXX on XX/XX/XXXX, XXXX and I was in a XXXX for XXXX weeks I ended in a Nursing Home by my daughter and I was going back and forth to the hosipitals in XXXX XXXX I ended up with my sister in law XXXX XXXX XXXX XX/XX/XXXX and from there I went to XXXX XXXX XXXX XXXX XX/XX/XXXX and was put on XXXX now and still lives in XXXX XXXX la XXXX and still on XXXX and I did not do no charges on my credit report please investigate please XXXX XXXX XXXX
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (AZ)

This is a follow up from dispute XXXX submitted on XXXX/XXXX/2020 I have resubmitted my claim along with the requested documentation I have included a copy of my social security card, drivers license, birth certificate, utility bill verifying I XXXX XXXX am submitting this dispute.On XXXX/XXXX/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XXXX/XXXX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XXXX 2020. On XXXX/XXXX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XXXX/XXXX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XXXX/2020 on XXXX/XXXX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XXXX/XXXX/2020 I received a copy of my credit report experian updated the comments stating I was recalled to active military duty. I have never claimed to be in the military nor did I state I have been called to active military duty wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my credit report. On XX/XX/XXXX I submitted a complaint XXXX with CFPB and experian once again refused to investigate my complaint their reasoning was they did not believe it was me submitting this dispute.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Paid off a 0 % interest Lowes/synchrony credit card, had a payment auto scheduled so even though the balance on my card was {$0.00} they still took {$1000.00} dollars from my checking account. This very clearly states will not happen on their faqs. When I called to complain they said I would have to prove that the amount was withdrawn and then after I " proved it was removed '' in approx 15 days they would send me a check. Not acceptable on any planet. They also send they couldn't send it back eclectronically which is of course ridiculous. Clearly they are wagering on people not getting the check or cashing it. IF they can just take money out willy nilly surely they can put it back.
Consumer complaint received 2021-05-25
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. (GA)

EQUIFAX file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " XXXX XXXX ''. I have sent and submitted multiple letters to Equifax even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and Equifax has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called XXXX XXXX Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HUNTINGTON NATIONAL BANK, THE (OH)

0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.
Consumer complaint received 2018-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (CA)

In XX/XX/XXXX, I used College Ave to refinance a loan I had with XXXX ( now XXXX ). There was an overpayment by College Ave in the amount of {$630.00}. It is now XX/XX/XXXX and I have yet to be reimbursed despite many phone calls and promises of further action. In the most recent portion of the saga, XX/XX/XXXX I received a call from XXXX they issued the refund to College Ave ( after reaching supervisors and filing a complaint for XXXX  with CFBP ). I made a conference call XX/XX/XXXX to confirm what information each company needed, and was told by College Ave Rep/Supervisor it would take up to 2 weeks to process this check once received. Allowing for holiday time etc, I called XX/XX/XXXX and was transferred to same College Ave Supervisor XXXX. There was no receipt of the check. After arranging to speak again with XXXX on XX/XX/XXXX, I made more conference calls and received tracking information and address to where the check was sent with both parties on the line. I was assured by College Ave Supervisor this would take a couple days to track using this information, up to maybe the following Mon XX/XX/XXXX. 
I called the next Thurs XX/XX/XXXX directly spoke with College Ave Supervisor and she said her company was still researching my check, and she would call me back. No call back. I called Fri XX/XX/XXXX, and spoke to another woman answering the College Ave Supervisor line and requested her to provide me with whatever update information she could. I received no call back. It will be a complete 7 months of this back and forth. I thought it was XXXX mainly for delaying and sending the wrong check twice. Now from College Ave Im receiving faulty promises that this is being expedited and that they are understanding of this recent delay. Im being told they care but no action has taken place. It has been 7 weeks or so since the check left XXXX. I was told 2 weeks to process. It has been another 7 Business days ( 10 days ) that I was told this was getting looked into, they said it would be 2-3 days. I was told I would be called back. I was not. I feel disrespected and as if someone has stolen this {$630.00} from me- not to be so dramatic, but I dont know whom I can trust that Im ever going to get my money back. My loan is being charged with interest amount ( {$20000.00} ) with my already paid money. And even the interest Im supposedly promised to be returned to me once the check is in, does not make up for the HOURS and angst Ive spend calling and emailing tracking this money down. Ive only shared about the phone calls in the past two months, there were a dozen more between the two companies I have records for. I am writing in hopes College Ave reviews their practices and how they handle overpayments/refund checks in the future, and also in hope that I will actually receive my refund and interest. Im not sure how more to escalate this. Thank you for your time.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

The problem is with JP Morgan Chase 's credit card product, Chase Sapphire Reserve, and their Card Benefits Service. 

I filed a Trip Cancellation claim ( accompanied by all required documentation supporting the covered event ) via their website XXXX XXXX XXXX on XX/XX/XXXX for an incident which occurred on XX/XX/XXXX. 

Since that time, I have followed up via telephone on XX/XX/XXXX and XX/XX/XXXX, as well as regularly checked the status of this claim online multiple times and received the same response : my case is pending. 

I submitted emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only email submission that Card Benefits Service responded to was my XX/XX/XXXX email where I advised them that I would be contacting the CFPB if my claim was not adjudicated ; their response was to assert that I needed to provide documentation that I had already provided. 

It has been over 5 MONTHS since I filed my claim. As of today, XX/XX/XXXX, their web portal continues to show my claim as PENDING ( screenshot attached ). 

Card Benefits Service operates in bad faith, giving the consumer the run around when they even bother to respond, in a clear effort to not pay the claim. The CFPB should have this company on their radar as they operate in a borderline fraudulent manner. Plenty of complaints on the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. attest to the fact that my experience is not an isolated one but rather, the way Card Benefits Service does business.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 usc 1681 section 602 state i have the right to privacy.

15 usc 1681 section 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late & having no knowledge of that company or creditor by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX consumer credit plan as late for and purpose.
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report til this day over 60 days later. I have not received a response yet. I think I am being ignored on my disputes. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 60 days so they should be deleted promptly. I demand these items be removed or will file for litigation. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, proof of address, FTC report, and original disputes.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NJ)

-XX/XX/2019 New Rez financiaXXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called New Rez on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-NewRez told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times NewRez and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MA)

XX/XX/XXXX i receive a notification from Round Point that there was a problem with the insurance on my home Round Point had bought the mortgage in XXXX of XXXX and did not notify the insurance company of their purchase of the mortgage so the billing and payment were not sent At this time I immediately called my insurance company and a new binder was sent to Round Point to remedy this situation I received my bill from Round Point this month and the payment had increased XXXX dollars per month I immediately called the company and spoke to the representatives They informed me that the escrow had changed because of the insurance The representative XXXX had told me that my insurance had not been paid and that round point had placed forced insurance on me I asked why this was and they stated that they had changed address and never received the bills from my insurance company so they were not paid The representative stated that they had called my insurance company and had not heard from them They also stated that they had sent me letters They also claim they made 1 call but I never received this call This all supposedly happened in early XXXX They also state that they sent a letter but I do not remember ever seeing a letter Admittedly at this time I was recovering from XXXX XXXX and my brother in law died suddenly and we were occupied with those affairs At no did my bill change for the mortgage The bill was paid each month in full on an automatic payment along with an additional amount in case any escows changes The first I have heard of the insurance is when I called after receiving my XXXX bill Round Point placed the forced insurance on the account at a cost of XXXX dollars The cost of the insurance through my insurance is XXXX dollars This can only be considered predatory I spoke with the representatives and the company refused to refund this money despite the customer service reps stating that the problem was caused by round points change of address and not notifying my insurance company The company stated that I had had that insurance on my property for 222 days i did not know because there was no change in bill and no other attempts were made after making no contact in XXXXI offered the company XXXX dollars which would have been the cost of the insurance if they notifications to either myself or my insurance company were received and they refused charging my escrow account over XXXX dollars
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This is my third attempt on CFPB to get XXXX to remove negative information that I disputed via certified mail on here and with the XXXX XXXX failed to co.plete their investigation in 30 days. They are continuing ignore me and leave the erroneous information on my consumer report. They are leaving me no choice but to take all my proof to court and seek my remedy as allowed by law. XXXX per violation, I will also be seeking legal fees along with defamation of character along with other offenses. If the cfpb can't help resolve the issues than who does a consumer have other than the courts? XXXX is not above the law and I will not allow them to continue this behavior. I will not upload documents they received on here and via certified mail. They have it all already. It's been 44 days now and the investigation is not complete and they keep failing to follow the law and remove the disputed items. I have lost business funding totaling over {$250000.00} due to XXXX violating my consumer rights knowingly and wilfully. I will seek to be my remedy in court
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (NC)

This debt is placed in collections on my credit report under Monterey Collections, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.