davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (DC)

I obtained a mortgage loan from XXXX XXXXWashington Mutual ( WaMu ) in XXXX which was securitized and placed in XXXX XXXX. 
In XX/XX/XXXX, WaMu was closed down and the FDIC became the receiver of its assets which, FDIC, in turn transferred or sold to JP Morgan Chase. 
I made payments to Chase from XXXX until the end of XXXX. 
Chase gave me a predatory loan modification in XXXX. 

In XX/XX/XXXX, Chase signed a {$13.00} XXXX settlement with the Department of Justice based on its fraudulent activities from securitizing mortgages from XXXX through XXXX. Chase is providing relief to homeowners through XX/XX/XXXX ( so time is of the essence ). 

I called to ask for relief since the trust into which my securitized mortgage was placed ( XXXX XXXX ) is listed on XXXX XXXX which lists the securitized mortgages that would be entitled to relief under the settlement. 
The customer service representative at Chase informed me that I was not entitled to relief since my loan had been transferred to XXXX XXXX XXXX. But they are merely SERVICING loan, Chase is securitizer, investor and owner!!!!
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rock Creek Capital, LLC (IL)

I HAD A LEASE VEHICLE THROUG XXXX XXXX WHEN I WAS A XXXX XXXX  I TURNED THE CAR BACK IN THE MONTH OF XX/XX/2018 AND I DID'NT OWE ANYTHING THE COMPANY WAS TAKEN OVER BY FAIR ACQUISITIONS I READ THROUGH A POST I FOLLOW CONCERNING XXXX XXXX  FAST FOWARD TO NOW I WAS CONTACTED BY XXXX XXXX XXXX ON BEHALF OF ROCK CREEK CAPITAL LLC STATING THAT I OWE XXXX AND THAT'S UNTRUE I OWE THEM NOTHING BUT THIS COMPANY FAIR ACQUISITIONS NEVER TRIED TO REACH ME ABOUT ANY DEBT AND I HAVE BEEN AT THE SAME ADDRESS FOR YEARS I FEEL THEY WERE BEING VERY DECEITFUL NOW THIS COMPANY THEY HIRED HAS PLACED THIS ACCOUNT ON MY CREDIT UNFAIRLY AND I AM STRESSED OUT SO PLEASE HELP.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (CA)

They sent me a report/letter that said they were collecting {$4200.00} from XXXX XXXX Private Label, which is not true. I 've never heard of this company and do not owe this money. I have exemplary credit and even checked my credit report to make sure and this is not on there.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (NE)

I got a vehicle from XXXX. My ex wife gained possession of the vehicle through it being a marital asset ( at the time ). About a month ago, I was awarded the vehicle which is solely in my name. 
I contacted South Dakota to find out that she had been arrested and the vehicle has been towed. The towing company sent the Lein holder a certified letter letting them know the car needed to be picked up or the towing company ( aggressive towing ) would take ownership of the title.

The leinholder was well aware that I had no possession nor exact wareabouts of the vehicle. The leinholder choose to sign for the letter but never gained possession of the vehicle nor did they contact me to do so. Now XXXX XXXX owns the vehicle as they are the current holder of the title.

XXXX is unwilling to settle this debt with me even though they allied the release of the lein ( title ).

They continue to contact me several times a day and threaten me by saying they are going to turn the vehicle off ( its not in my possession ), they have already been paid monthly payments after they no longer owned the vehicle and are tying to get me to continue to pay for the vehicle.

I have given them all information regarding the status of the vehicle yet they are still harassing me. 
I have also told them that I am in the process of working on a case with an attorney. 
I would like them to please stop harassing me. They choose not to call me and let me know my vehicle was about to be taken from me.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

. New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX/XX/XXXX and Date of last activity is XX/XX/XXXX. This debt was discharged in XX/XX/XXXX and I didnt reaffirm.
Consumer complaint received 2018-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I received Paper Statements for my FedStudent Loans. The XXXX send me a MONTHLY BILL on XX/XX/XXXX for {$38.00}. { See the following : Last Payment Received XX/XX/XXXX Current Payment Due {$38.00} Total Due by XX/XX/2018 {$38.00} } I paid {$50.00} on XX/XX/XXXX as my Loan was due XX/XX/XXXX. 
On XX/XX/XXXX, I received a new MONTHLY BILL as following : Last Payment Received XX/XX/XXXX Amount Past Due {$8.00} Current Payment Due {$49.00} Total Due by XX/XX/XXXX {$57.00} In other words, FEDSTUDENT LOAN SERVICING PURPOUSLY MADE ME IN DEFAULD OF MY PAYMENT EVEN THEY DEFINED THE PAYMENT OF {$38.00} FOR XX/XX/XXXX and in XX/XX/XXXX, they sent me a statement I am in a Amount Past Due {$8.00}. Thus, in a requested payment of {$38.00} I paid {$50.00}. 

Sending one amount request, and then making the student to be in a past due, defiantly will reflect negatively on the student credit/scores upon reporting. Such error is inexcusable, and must be corrected.
Consumer complaint received 2017-12-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NY)

SALLIE MAE AND XXXX XXXX IS FULL OF XXXX! they dont want to help at all they just care about getting their money even if you are in a financial struggle, unemployed or just dealing with a financial hardship and not able to make monthly payments. i called XXXX XXXX asking to lower may monthly payments the guy gave me no better options except just pay {$220.00} a month then get 6 month forbearance but it makes my overall loan amount way higher. i tried explaining that i cant pay the XXXX but he ignored ne and would n't listen all he kept saying was i could just pay that amount. i wanted to lower my payment or try deferment but sallie mae and XXXX XXXX dont give you that option!. i owe XXXX per month for sallie mae for 12 months then a bigger amount and they refuse to help me lower my payments. im unemployed and my family is in a financial crisis but they dont care. i owe sallie mae about 44.241.76 and XXXX XXXX  XXXX but i cant make payments at this time. and its not fair that only know college tuition is free!!!!
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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.
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (OH)

I sent a debt validation letter on XX/XX/2021 for this company to validate my debt. And they failed to validate my debt. Instead they sent a copy of my medical records/procedure. Which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form allowing them access to my medical information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2017-12-01
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Coastal Credit, LLC (VA)

OnXX/XX/XXXX I received an email from a collection representative stating my account was past due. Upon receiving the email, I noticed that the email was not only sent to me, it was sent to other customers with past due balances and our names were included. Also the mini Miranda was not mentioned anywhere in the email. I contacted Coastal Credit and spoke with a collection manager by the name of XXXX XXXX on XX/XX/XXXX and made him aware of what the representative had done. XXXX stated that he had to contact the Vice President in reference to the issue and would get back with me the same day. On XX/XX/XXXX I contacted XXXX because I had not received a return call and he stated that they were handling the issue internally and there was nothing else they could do. I informed XXXX that I was aware the punishments that could apply to a creditor for violations of the FDCPA and I would like to be compensated for being violated. He stated that would start a formal complaint. OnXX/XX/XXXXI received a call from XXXX XXXX ( a supervisor with Coastal Credit ) and he stated that the company knew the agent had violated the FDCPA and it was handled internally but after speaking with their legal counsel I am due any compensation and I could move forward with my complaints and any legal action.
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

My daughter has a Student loan with Navien Collection Agency ... I willing to pay them by bank check or money order ... they refuse to take my bank check or money order ... They want me to pay by debt card ... I have told them XXXX times ..I do not want to apy by them having my Debt card ..and they been giving me a hard time .... the balance to this loan is XXXX anbd willing to paid XXXX upfront by bank check or money order ...
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act Child Support Enforcement Account number XXXX, 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
Consumer complaint received 2017-11-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Danco Financial Services, LLC (GA)

I have no idea what is going on with this account. It has been on my XXXX report since XXXX of XXXX. It was listed as a repossession and there has not been any change in information regarding this account since it was listed. The amount of the debt has neither increased nor decreased and for the past 12 months it was listed on my credit report as unknown information. It shows there is an amount owed of {$9200.00}. As of this date since XXXX of XXXX I have not received one piece of written correspondence from this company. I attempted to verbally contact them on XXXX and XXXX to have them send me all the paperwork concerning this debt, including all of the account details to validate the ongoing and current status of this debt. I disputed this debt to XXXX on XXXX XXXX and they reported to me as validated. However, I still have not received the information that was validated from XXXX nor Danco Financial.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TRANSUNION AND XXXX  HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XXXX XXXX I went to the AmeriSave site to check their interest rates. The site requires that you enter basic information to to proceed ( Name, phone number and email address ). One of the screens specifically states that they will not do a hard pull to your credit and it will not affect your score. This was important to me because I am still several months away from purchasing. There was a section that has disclosures that I clicked through but did not read through all of them. I am assuming that these disclosures had a statement that they were going to do a hard pull to my credit because I received a notice from my credit service that stated that a hard pull was done. I then received a call from a rep from AmeriSave who confirmed that they did a hard pull. Since they boldly and specifically stated that they were not doing a hard pull and I did not provide my date of birth or social security number, I had no expectation that my credit was being pulled. I believe they intentionally deceive clients into moving forward in the process by burrying the credit authorization and making them believe that their credit isn't being pulled because many people, like me, would stop the process if I was aware that my credit was being pulled.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

CALIFORNIA BUSINESS BUREAU ia attempting to collect a debt that I do not owe. The name on the bill is NOT ME I have repeatedly spoken to them concerning this fraudulent debt. CBB has also violated HIPPA laws in their feeble attempt to verify/validate a debt that is not mine
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC (NY)

They keep calling early morning and late at night ... using foul language telling me and wife that we are going to jail if we don't pay them ... but I don't owe them anything I keep asking for proof that I owe them they keep sending me old statements that's not theirs ... when I asked them about it they say they brought the account so now I owe them and they will put me in jail.
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC (NY)

On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company. 

I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place. 

Please look into this and advise how I can proceed. 

Thank you. 

XXXX XXXX
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

MY HOME LOAN WAS SERVICED BY XXXX XXXX AND THE PAYMENT WAS {$1200.00} AS THEY CHANGER TO SHELL POINT MORTGAGE SERVICING THE PAYMENT INCREASED TO {$1300.00} CAUSING {$59.00} MORE PER MONTH. 
SHELL POINT SAYS THAT IN MODIFICATION THE RATE CHANGED TO XXXX I OPPOSED TO BY SAYING TO THEM THAT IT IS NOT TRUE MY PAYMENT DO NOT CHANGE UNTIL XXXX2019 I TRIED TO OPEN CASE COMPLAIN ON PHONE AND BY ON THEIR SITE BUT I HAVE NEVER GOT RESPONSE. WHEN I CALL AGAIN THEY SAID TO OPEN COMPLAIN AGAIN. 
I AM ATTACHING PROOF FROM MODIFICATION STATEMENT AND REQUESTING OVER PAID MONEY TO BE ADJUSTED AND PAYMENT TO BE REDUCED.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Fifth Third Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XXXX and XXXX of XXXX, I was reported 30 days late to the credit bureaus. I am still currently in the program and have met and continue to meet all of my obligations under the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by Fifth Third Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One has not shut down my card after I called and let them know there was something going on with charges. That was at XXXX and then they said they would investigate while I paid XXXX a month to keep our credit repaired. Then, I stopped that about two months ago and said no. I kept asking when the investigation was done and they did absolutely nothing to stop it. My kids had a lunch program circulating on the card which I do owe for, but after this long, I do n't know what is what at this point. But, the agent at Capital One a gentlemen I have his name, said, " Yes, I see where you asked to report fraud ''. This company needs investigating, just go and look online it 's multiple clients having similar problems. I also went through in the beginning transactions with an agent to determine what was going on. I 'm a XXXX, not an XXXX. They need to take responsibility. The card is up to XXXX and even with repeatedly paying they just kept raising the amount because of over limit. What a raquet. I will be writing XXXX Trump to see if there is something that can be done by the white house and credit card railroading companies. This is not fair. They actually owe me money as agreed upon because there was no investigation from the first time I called them and the card was allowed to keep on going after several attempts to stop it.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lustig, Glaser & Wilson, P.C. (MA)

I recently contacted experian to dispute XXXX identical accounts on my credit report from XXXX and XXXX. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to Lustig, Glaser and Wilson asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. XXXX, I believe is a fraudulent collection agency that works under several alias such as Lustig, Glaser and Wilson and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for XXXX account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AR)

Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I initiated two withdrawals to my bank via wire through Coinbase because I wanted it " instantly '' and paid the fee to do this. One was for {$410.00} one was for {$250.00}. Estimated payout was XXXX and this transaction was initiated on XXXX. The sell history on Coinbase says " completed '' but I never received the funds to my XXXX XXXX account. I contacted support several times and filled not one but two tickets. I also contacted a Coinbase representative on XXXX and he said to be patient but again no progress whatsoever. This is wrong and illegal to be holding someone 's money like this. I still do not have my money or any answers.