davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CO)

My wages were garnished. I called XXXX XXXX XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them XXXX XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and XXXX duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2023, I I called customer service to file a claim to a dispute XXXX payments to a merchant adding up to the sum of a XXXXXXXX XXXX for a service I never received. 
( XXXX payments of XXXX $ and a final payment of XXXX $ ) I received emails every XXXX days for a total of XXXX days. ( XXXX ) On the seventh day XX/XX/2023 I received a credit for XXXX of the XXXX transactions ( XXXX $ out of XXXX $ ) I never received any emails after the XXXX I did contact customer service however to inquire on why I did not receive a credit for the third transaction as they were all filed under the same claim. I was told the third transaction was still being investigated. 
On XX/XX/XXXX of XXXX I received an email saying that my account was negative upon checking my mobile Wells Fargo app I seen that an credit reversal was done for the amount of XXXX $ placing my account in the negative and costing me XXXX $ just to get my balance back to XXXX. I contacted customer service again and was transferred to the claims call center I was told that my claim was denied and the reasons for this denial was a third party was involved and to contact them about the transactions. After contacting the third party I was informed that Wells Fargo had already reached out and filed a dispute on my behalf and that all communication was to be done with Wells Fargo on both my end and their end and the only information that could be shared with me was that XXXX of my XXXX transactions was actually being refunded. I called the claims department back and was told the same response that I needed to contact the third party once I shared what information I received from the third party and asked why I was only being refunded a third of the claim. 
the representative said theres nothing that could be done as my claim was denied. I was confused as to how I could be receiving a refund for a third of my transactions but I was being told that my claim was denied and how come the credit reversal was only for XXXX $ of the XXXX $ I was credited the only response I was given was that there was nothing that could be done and that the decision was final I was never informed as to how I can further dispute this claim, or if there was a supervisor or higher up I could speak to. The same theres nothing we can do phrase until the representative asked me if there was any other issues I had and told me to have a good day.
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

ALLIANCEONE RECEIVABLESis a creditor that 's on my credit for the amount of {$800.00} by the Court of XXXX XXXX. This amount was added to my account after I had already completed doing the payments on XX/XX/2015. I have reached to ALLIANCEONE RECEIVABLES and the XXXX XXXX Court house and both have communicated that the {$800.00} should have never been put into my credit and its an error. According to both ALLIANCEONE RECEIVABLES and the XXXX XXXX court house they do n't have the power to remove anything from the credit reports. They have filed and updated the credit Bureau since it was placed on my credit but it still has n't been removed. Please contact me to remove and fix this error. Thank you
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
second XXXX card balance is not correct!!! 
XXXX NO MOUNTHY PAYMENT MUST BE DELETED XXXX NO HIGH BALANCE MUST BE DELETED XXXX NO EARNER PLAN MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 

MY ADDRESS NOT CORRECT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. XXXX You must update my credit score!!!!
Consumer complaint received 2016-01-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Rhode Island Student Loan Authority (OH)

I am being charged late fees every month, and i am never late. My loan has been set up to automatically withdraw from my bank account since the beginning. It is impossible to mange this with the lender, because there is a third party that is managing the loan.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

On XXXX/XXXX/XXXX, I submitted a lengthy online complaint to CFPB regarding the recent lawsuit pending against Navient. I was unable to log in to modify to my complaint. In my complaint I explained that Navient was unwilling to help me lower my rate and monthly payment amount. I failed to mention my Navient student loan is over 7 % and possibly closer to 12 %. Navient had no suggestions to assist in dissolving this loan that I never used for my education. This {$6900.00} loan was underwritten by XXXX XXXX in XXXX. Navient eventually took it over. As of XXXX - present date, I have submitted many written complaints to CFPB, written and verbal to XXXX XXXX XXXX, Navient Office of the Advocate, DOE, and XXXX referencing XXXX XXXX University online and Navient Student Loan with no result. I demanded more information on this student loan origination showing deadlines to withdraw from the online university. The only document Navient had on file was the promissory note that I signed. Of course I signed the promissory note, that is the only way the loan would get funded. I immediately withdrew from XXXX and Navient 's claim is my withdrawal date was past the deadline and my loan would be in repayment status. 

I have all documents to all parties involved to support my claims of trying to find a solution to dissolve this loan with Navient or verify if it was a legitimate. Initially I contacted Navient customer service to address this loan issue. Once I understood their customer service representatives were not helpful, I had to type a letter to Navient and send it certified to ensure my complaints would no longer be ingnored. XXXX XXXX responded to my complaint. XXXX XXXX XXXX - XXXX suggested I contact XXXX to obtain transcripts to release me from the loan. If there were no transcripts, Navient would use this as proof I never attended. During my two - three day research I found out XXXX XXXX Online was involved in illegal activity, changed their name to XXXX XXXX University and eventually closed permanently in XXXX. 

I contacted Navient several more times throughout XXXX of XXXX, asking for help and if they could find any records also. Navient was no help at all and no return calls to address my concerns. I was worried if I could make the payments and how my credit would be impacted by the bad debt, Navient never thinks about the struggling students who never found a full time job to mirror their education.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX an unauthorized purchase for the amount of XXXX $ was charged to my debit card. I noticed this transaction within the same day and immediately contacted customer service to file a claim. I informed the representative that I had never authorized a purchase for any amount to anyone at the time of the transaction and that the only viable conclusion I could come to was that my information was stolen and used. so the representative filed my claim, canceled my old card and took the necessary steps to send me a new one. Today XX/XX/XXXX, I recieved an in app notification that my claim was denied as an error did not occur which is incorrect. My updated online statement shows the purchase was posted on XX/XX/XXXX including a new international purchase transaction fee of XXXX $ stemming from the unauthorized charge.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Several months ago, I began receiving from Chase billing statements for a credit card that I did not recognize. I contacted the bank immediately to let them know that there might be a mistake - that somebody might have opened the credit card account in my name without my knowledge and consent. Was advised to refer this matter to their ( Chase ) Fraud Department for investigation. It was also recommended by the Customer Service specialist I spoke to that I make a payment on the disputed card/charges to prevent additional penalties from accruing while it is being investigated. As was suggested, my husband remitted to the bank {$110.00} on XX/XX/2020 to pay off the credit card while under investigation. Two days later, after making the payment, I received a letter from the Chase Fraud Department, informing me that they have completed their investigation and that they found the credit card to have been opened without out my knowledge and therefore not liable for it. Based on this letter and the findings of their Fraud Department, my husband wrote 2 letters to Chase, through their Customer Service Department, for the return of the {$110.00} that was paid to them on XX/XX/2020. The letters were mailed and addressed to the bank 's Customer Service Department at XXXX. XXXX, in XXXX, DE XXXX, on XX/XX/XXXX and XX/XX/2020. No response has been received from Chase to date. Request your assistance.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.
Consumer complaint received 2015-09-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I had gotten a loan through Wells Fargo : America Service Company. Suddenly every XXXX, I had to pay an extra XXXX. I called for information why. No Answer. I had to pay XXXX insurances on my home. I called asked why. no answer. After that I started t o call for loan modification and nothing. I was not behind on my loans at all. Suddenly, someone appears to ask me do I need assistance. I got assistance but I feel it was purposely set up by Wells Fargo because all the problems I had with Wells Fargo he fixed. So I thought I could trust this man. I got XXXX loan modifications but they were XXXX denied by Wells Fargo with lies. My main target is Wells Fargo setting me up because I was always on time until I met XXXX XXXX. :
Consumer complaint received 2024-03-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I am not liable for this debt of {$12000.00} with LVNV FUNDING LLC. I do not have a contract with LVNV FUNDING LLC. and did not provide me with original contract as requested verifying my wet signature and ID verification
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/2017  I canceled this account based on the Service Member Relief Act that allow Service members to break contract even 90 days after separation from XXXX XXXX. However, this Apartment Complex disregard my request and send an incredible amount of debt to Collections. I paid every penny before I leave the complex. A 60 days vacate notice were given ahead of time. 
Once I found about this collection debt I submit my dispute to XXXX. They successful delete this account from my credit score. However, XXXX and XXXX  doesn't want to delete it from my records. Their system doesn't even allow to upload documents to help to solve the dispute. I recently submit another dispute but XXXX disregard my claim. 
This negative erroneous account has damage my credit score for almost two years and is still there. 

Account Number # XXXX Name RENTDEBT AUTOMATED COLLE XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$4700.00} Original Amount {$4700.00} Original Creditor XXXX XXXX XXXX XXXX  XXXX ( Rental/Leasing ) Past Due {$4700.00}
Consumer complaint received 2015-08-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (KY)

In XXXX of 2014 I moved out of state and put my home up for sale. After almost a year of not receiving any offers, my realtor suggested that we do a short sale. In XXXX of this year, we received an offer and I filed an application with Quicken in XXXX for them to give approval for selling the home below the loan amount. I was told that I would first have to go through the application process to see if I can stay in the home. I told them I had already moved out of state and had no interest in keeping the home. They insisted that there is no way to skip this step and that I would have to wait a month for that portion of the application process to be completed. After submitting documents to them on several occasions, I was finally given an answer two months later in XXXX that my application was rejected. In the meantime, the buyer for the short sale walked away from the sale. They then asked me to submit the same exact application to be considered for a short sale. I resubmitted the application in XXXX. I was told that it would be another month to process. Then, if they accept to short sale the home, I would have to put the home on the market for another 120 days. If, in that time, I receive an offer that is below the acceptable amount, I would have to wait for them to do another review to consider accepting the offer with could take another month. In the meantime, I am still expected to pay for a mortgage I can not afford. In all, I would have waited almost 9 months for them to make a decision. Also, I could still be rejected for the short sale of the home, I would still be expected to pay the mortgage after waiting so many months to get some help, which this company is obviously in no hurry to provide. Every time I ask when the process will be completed, they refuse to give me a date, so I am waiting in limbo with no end in sight. There is no urgency by this company to help its customers. This process almost guarantees that the homeowner will face foreclosure. If I had known this, I would have stop paying the mortgage over a year ago and saved myself the time and effort of trying to submit all the documents and expecting a decent response from the company. It would have saved me thousands of dollars and all the headaches since they are going to force a foreclosure anyway.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (DC)

I filed a dispute concerning inaccurate information on my consumer report on XX/XX/year> and provided the following evidence that it was furnished incorrectly without a proper investigation. According to the FCRA, the agency which is XXXX was supposed to validate the debt and credibility with my peers, friends, family and most trusted individuals that would have knowledge of the account in question. They did not do a accurate investigation and did not validate the account with the investigating agents information or creditors information. 

Therefore, Under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exist.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

Over the last few years I have used Experian and their phone app to open many credit disputes. This is a free service. I also opened some of these by phone which was painfully slow. I did this for a bunch of disputes over the last few years. However, when I log into the site and phone application I can not see all the details. Please provide me a printed and mailed hard paper copy of all the dispute files opened to date with your company. I need this for pending legal settlements. I have requested this before by phone and never got a response. The hold times were very long during covid19 and I am impacted by covid19 in many ways. Please provide the printed and mailed dispute files in a timely fashion in response to this complaint to avoid further legal escalations. Thank you.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OK)

Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient.
Consumer complaint received 2016-09-13
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A. (WA)

Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.
Consumer complaint received 2015-08-19
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Accredited Collection Service, Inc. (NE)

The debt collector repeatedly continues to contact me on my work phone at my work after I instructed them that my employer does not allow these types of phone calls to occur. I received another phone call today from XXXX while at work. She then threatened me by stating that since I had not sent a payment that the collection proceedings would need to continue. I have left repeated messages for the billing department at XXXX to set up a payment plan and no one has returned my call. XXXX called the main phone number today instead of my direct line like she used to do and spoke with our receptionist and was transferred to my phone, so I am unaware of how much she told the receptionist on if she was seeking to collect a debt. This is the third time I have asked them to stop calling my place of employment.
Consumer complaint received 2015-08-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Wakpamni Lake Community Corporation (AL)

I borrow {$350.00} and now I 'm been treated unfairly .I did n't know I woke have to pay back {$1100.00} and charging me {$780.00} in finance charges otherwise I would n't have got this loan. I honestly do n't know what to do but I desperately need help. This is a straight robbery. The name of this company is Boulevard Cash