davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC (MS)

My student loan went into default ( i thought it had been consolidated when I did a consolidation in 2018 ). I called Reliant Capital Solutions that held the debt relating to my student loans. My contact person was Mr. XXXX. He was incredibly rude and a bully. I requested several times to speak with other individuals including his supervisor. The company assigned me another person to work with who is very helpful and is willing to work with me. Mr. XXXX 's behavior was typical of a bad debt collector.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

XX/XX/XXXX order new computer on XXXX XX/XX/XXXX XXXX contacted me by email stating my card was being declined. I contacted them by phone & they said my credit card company ( Netspend ) was not letting the transaction go through. I didnt understand since the money {$1400.00} was in my account & now was deducted & shows a pending transaction on my Netspend account. I asked XXXX to cancel my order which they did. I waited a wk & have not received my money yet. I called Netspend & they told me to email them proof. I sent the orgianl receipt & cancel receipt. Waited another couple days & they told me I had to email a explanation of what happenend. I did sent them an email explanation & waited another couple days & still have not received my refund. XX/XX/XXXX I called back & talked to a mangager & he said my refund was declined because the receipt is for {$1400.00} which is the total amount XXXX charged me for & Netspend shows {$1400.00} on their side. I tried to explain to them that they are the ones who charged me for the extra {$1.00}. Every time I use my card they charge me a {$1.00} & they should see all my transaction how it shows that. They still refused. I called the main office in XXXX, TX & left voice mail messages & no one has gotten a hold of me.
Consumer complaint received 2017-01-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Resurgent Capital Services L.P. (GA)

I am not sure that this company is legit. I have been trying to contact someone for over a month to discuss an LVNV Funding account that is reporting on my file. I have not received any call back despite leaving XXXX voicemails and speaking with many representatives that continue to tell me that there is no direct line to whom I need to contact. I am a bit leary on this account. I want this account DELETED or be able to pay this account off!
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

On XXXX/XXXX/15 I requested validation of debt from Enhanced ; no response ; On XXXX/XXXX/15 requested account be removed due to violation of debt collection and reporting practices ; received response. They provided a statement from XXXX showing a past due balance. This does not confirm original date of delinquency, nor that I am the XXXX XXXX that had an account with XXXX. Furthermore, they state that they have informed credit bureaus of account being in dispute and put it back on the credit bureaus ; stating they have no control over how long it may take credit bureaus to update. Nonetheless, I pulled my credit report today, there is no indication of account being disputed.
Consumer complaint received 2016-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

I am in receipt of Schlee & Stillman LLC. letter informing me that they are handling the collection of an account with the ending reference # XXXX which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Schlee & Stillman LLC., and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Schlee & Stillman LLC., as a business entitled to enforce a commercial claim against me.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (CA)

XXXX cellular reported me for a debt of {$190.00} due to them saying they did not receive a phone back from me. Their records show that they received the phone on XX/XX/2022. They admit they took this phone off of their " blacklist '. But in error, it went to collections anyway.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC (CA)

I took out a XXXX XXXX  loan for an investment property in XXXX. It was locked at 3.89 % for ten years and then would adjust each year. 

In anticipation of the first adjustment, last year I called the current loan holder, NewRez, to confirm the following two things : ( 1 ) That the date up to which I could pay down additional principal before the loan " reshuffles '' /adjusts to the new rate was XX/XX/XXXX. 
( XXXX ) That, as per the terms of my loan, the most the new rate could adjust in any period is 2 %. Therefore the loan would go to 5.89 % I made a series of payments at the end of XXXX and up to XX/XX/XXXX. The existing principal as of XX/XX/XXXX was just shy of {$80000.00}. 

They now say my loan payment is 7.75 % and the payments are based on when the principal was around {$130000.00}. 

I have made numerous calls, and given their online portal ample time to " get caught up '' if that's the case. No one I have spoken to seems knowledgeable enough to help. I submitted an email complaint, and apparently I may hear a response in 30 days. Time is money and this is unacceptable business practice. 

I am in the very fortunate position in which this loan is relatively not very high, and I can pay it off if I want to. But what about other people. This is very predatory -- just giving no kind of knowledgeable service and acting confused while overcharging -- in this case double the amount.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I live in NY and submitted my original complaint to NYS Department of Financial Services. My problem is with Wells Fargo Home Mortgage, regulated by you. In XXXX we got an unemployment forbearance. I called in XXXX because we were back to work, and wanted to resume payments under a modification. From that time on I have had XXXX " specialists '' who have requested their own laundry lists. In some cases I had XXXX different specialists in one week. I always submitted the required paperwork, promptly. I was originally told that I had 6 months for the forbearance. Today is the end of that time. Ihave complained everywhere, and have been assigned to XXXX XXXX in the President 's Office. I have sent her a packet as requested, and asked for confirmation of hat happens next. I know it arrived on XXXX/XXXX/15, followed up with emails, and am getting no response. Basically, Wells Fargo is totally unresponsive. My loan is a XXXX XXXX, but the package is never getting submitted to them since Wells Fargo is not doing their job. 
I am totally disgusted with the lack of response, and very concerned about the status of my mortgage and credit.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (TX)

ON XXXX  XXXX I RECEIVED A CALL FROM XXXX. THE CALLER WAS ASKING FOR XXXX XXXX. THE CALLER TOLD ME HE WAS CALLING FROM MIDLAND. I ASKED THE CALLER FOR THEIR MAILING ADDRESS SO THAT I CAN DISPUTE THE DEBT. THE CALLER CONTINUED THEIR COLLECTION ACTIVITY ASKING ME IF I WAS XXXX. I TOLD THE CALLER I WAS NOT XXXX, BUT XXXX XXXX AND THE CALLER HUNG UP ON ME. THIS IS NOT RIGHT. THE CALLER DID NOT ALLOW ME TO TELL THEM TO STOP CALLING ME AND TO REMOVE MY NUMBER FROM THEIR CALLING LIST AND/OR THE CALLER DID NOT TELL ME THEY WOULD STOP CALLING ME. I SEARCHED THE NUMBER THEY CALLED ME FROM AND MIDLAND  'S WEBSITE CLAIMS OWNERSHIP OF THIS NUMBER. I DISPUTE THIS DEBT, SEND ME RESULTS OF THEIR INVESTIGATION, AND I DEMAND A COPY OF THEIR DNC POLICY.
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was unfairly charged overdraft fee a couple of times without any notice from my bank about an over draft. In total i have been unfairly charged a total of XXXX overdraft fees of {$35.00} each. The most recent XXXX were charged on XX/XX/XXXX while similar XXXX on XX/XX/XXXX. In both cases I bad transfer between my accounts at Bank of America while my account showed there were sufficient fund only to find overdraft fees next morning. For the most recent XXXX, I made online transfer to my own other at same bank and a transfer to a friend who also has an account at bank of america. While making these transactions, the online account showed sufficient fund and through my research i found the usually such transaction are not even allowed to happen if there are not sufficient fund. I have screenshot evidence to prove this. Upon calling the bank the representative was extremely rude and told me that " you should know where you are wasting your money '' and also that while they recommend customers to use the app, the customer should keep track of their transactions themselves. My balance was misrepresented and the XXXX overdraft fees were charged fraudulently by my bank.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I filed a complaint XXXX/XXXX/XXXX XXXX about my money I have sent every month not being applied to my mortgage loan. They have not applied a payment to my account since XXXX XXXX. Every time I called before I filed a complaint which I started calling 6 months before I filed an complaint and every time they told me they were looking into it. Okay seven and a half months later it is still not resolved. When I filed the complaint almost seven weeks ago I was told it would take a couple of weeks. Hey people we are living in the XXXX. You have the money. One phone call should have taken care of this. You call the branch where the money is held and you tell them to release it. You send me an updated XXXX. You call the credit report people or better yet sent them a letter letting them know I have not missed my payments and please adjust my credit score. Do I need to get a lawyer?
Consumer complaint received 2016-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MI)

I have been XXXX ( XXXX, Michigan ) for 20+ years as a XXXX. In spite of my dedication to XXXX, I am unable to write off any of my student debt. I neither qualify for the XXXX Program or the XXXX XXXX XXXX XXXX Program. The interest rate on my loans are 6.875 %, and I am unable to get a significant reduction in the interest rate. There are multiple " quirky '' rules that I am up against in getting any relief. I need help!
Consumer complaint received 2022-02-15
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. (TN)

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a retiree refinance on my primary residence. I gave them all of my financial information. On my tax return I write off the interest from bank of america 's equity on my primary home to a rental. the cpa makes comments on the tax returns telling under what irs ruling I can do this. My refinance on my primary residence payoff the b of a first mortgage, and the aforementioned b of a equity line. There are no liens on the rental. the are only XXXX liens on my primary a first mortgage and the equity line.. The rental is book entry. B of A insists that my CPA perjures himself telling them that my rental is free and clear. I have told B of A 20 times the only way you can meet your own condition is to pull a lot book or have a title company search the XXXX records. You ca n't expect a cpa to perjury himself. They do n't care or understand. I have been told that the head of credit underwriting wants this. I have asked to speak to senior underwriter and that is against bank policy. Also, inconsistent lending practices. They did not ask for this when I refi 'd this line on last year. I called and tried to escalate it. I talk to other B of A lending officers and they knew what I was talking about but refuse to help. There a too many emails and letters to send. You have the full story. Thank you, XXXX XXXX
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (WI)

To : consumer Financial Protection Bureau re : PHH re-finance mortage application fee XXXX/XXXX/XXXX To Whom it May Concern : Near the end of XXXX I telephoned my mortgage company, PHH Mortgage to investigate re-financing my home mortgage in order to reduce the interest rate and attempt to get my payments lowered. My employment scenario changed in XXXX and I have been struggling to meet the high mortgage. I have demonstrated reliability but was seeking help. 
After several lengthy telephone calls giving all the required information they then forwarded a lengthy application with very strict return date guidelines. 
The bottom line is that in the initial conversations, I was led to believe that my current salary would be part of the evaluation process. I was encouraged to include documents in the application that demonstrated my new contracts with more hours for this coming year/season. At no time was I told the only my last 2 years of tax returns would be used to evaluate the application final approval. 
In the end, after meeting all of their deadlines, and slow-downs, and requests for further documents, even adding my mother as a co-signer and gathering her documents, signatures, etcetera, my application was turned down. PHH wants to keep the application fee. 
I believe that I was purposely misled. Everything from long, wearing-you-down-style phone conversations ( in car salesman fashion ), to mis-representing what would be required, to extreme enthusiasm and nearly promising that the loan would be approved, to the extensive providing of documents, even repeats in comparison to the application items, the delaying of their response to those documents, and ultimately delaying a firm answer until their fee had gone through on my credit card. I had been willing to compromise at XXXX point, If they would agree to provide me with a complete copy of the house appraisal and return half of the application fee, I would have accepted. Currently, PHH sees no fault in their action and refuses to return the application fee, which frankly, I can not afford. 
I deem this to be under-handed business practice, unethical, unacceptable. My naivety about what would be required for a refinance, is admitted, but certainly, it is not a good enough reason to suffer such business practices. 
The fact is that they never told me in the initial calls that only my previous 2 years tax return income would be used. That would have saved many many hours, time, stress. 
I seek help in getting my application fee refunded. If there is any education and guidance you can give me in the matter, I would be grateful. 
Thanks you.
Consumer complaint received 2016-09-02
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (KS)

On XXXX I entered into a contract to purchase my father 's house for the property at XXXX XXXX XXXX XXXX, KS Loan # XXXX. Freedom Financial ( FF ) is the reverse mortgage lender and FF was helping me to pursue a short sale. All of my siblings signed the contract as the sellers for the XXXX XXXX XXXX XXXX XXXX as FF required. My contract was scheduled to close on XXXX. FF hired an appraiser and FF and myself agreed to a {$150000.00} short sale payoff. The contacts at FF are XXXXXXXXXXXX and XXXXXXXXXXXX. FF filed a petition to foreclose on the subject property using a local attorney XXXX and XXXX XXXX XXXX XXXX of XXXX KS. On or about XXXX a very wealthy neighbor XXXX XXXX XXXX XXXX contacted XXXX, the attorney for FF. This very wealthy neighbor told my sister, XXXX XXXX, that he was able to stop my contract from closing through his contact at XXXX. XXXX told my sister he would have his friend at SandA tell FF to terminate my short sale because XXXX wanted to buy my father 's property. This powerful neighbor, XXXX XXXX is represented by XXXX XXXX XXXX as Shareholder XXXXXXXXXXXX. We continued to pursue the short sale with FF throughout the summer. A second appraisal was completed. Again, I and my family agreed to all of the terms to close with FF. XXXX XXXX, the attorney for XXXX XXXX filed an affidavit of equitable interest against the property to prevent me from closing. Today my short sale was cancelled. I feel that I am being taken advantage of by powerful lawyers and they are manipulating this lender Freedom Financial into denying my right to purchase my father 's house as the rightful heir. Can you please help me? We are scheduled to go before a XXXX Judge in XXXX. I have spent tens of thousands of dollars trying to defend my right as a consumer to purchase my dad 's house. All of my siblings want me to purchase my dad 's property. The wealthy neighbor seems to be pulling all of the strings. Thank you
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (CA)

I received a demand debt obligation notice from Harris & Harris , Ltd. attempting to collect on a non obligated debt they created in absence of any consent from me, promise, agreement, note, contract or any other instrument bearing my signature. This is violation of FDCPA, Privacy Act, and Identity Theft. Attached is notice sent to the company.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (CA)

To whom this may concern, I have requested my Early Warning, consumer file multiple times via phone and letter, yet I have not receive a copy of my report and have had suspicious activity ongoing in my other consumer files and believe identity theft is ongoing. I am requesting that Early Warning provide me with a copy of my consumer file and please have it shipped via a trackable postal method to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. 

( I have had lots of missing or stolen mail and this requires the use of trackable mail to avoid the document being stolen or lost and exposing more sensitive information. ) For the purposes of fulfilling this request, here is my personal information : Full Name : XXXX XXXX XXXX DOB : XXXX Phone : XXXX SSN : XXXX California DL # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. 
Passport Number : XXXX
Consumer complaint received 2017-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I have been dealing with Navient for the past year. The main issue I have is they call relentlessly even after speaking to a representative and stating I am in the process of a new job where I will be able to start payments. They still continue to harass me. It is one thing to c all once a week if there is debt to collect but I find it completely unacceptable and an abuse of technology to send automated systems to call a personal or work phone 5 times  a day or more. Then to make matters worse it will call any co-signer and harass them similarly.     I would n't be as annoyed and outraged if I had n't already spoken to a representative from Navient several times about becoming employed with a new  XXXX  job and that I will be paying the loans in the next month that I am behind on. Also, I am an   XXXX   XXXX   and work in   XXXX   XXXX   so I understand the abuse they are using by putting personal identifiable information in these perpetual call cycles. Their needs to be regulation around this just as there is with most credit/finanicial and federal law.     The government can be held accountable insofar that yes these are private loans I accrued through Navient. However, how is anybody supposed to pay these loans back when if you do have a " decent '' income and are luckily employed after graduating college when so many taxes get taken out of mediocre salaries. If we actually want to have these loans paid out to private lenders and the government we need to get real with the end-users i.e. the   XXXX   XXXX   millennials who are going to be in debt the rest of their lives. Education level needs to be standardized in pay rate and allow you to be rated into a higher salary no matter what so you can pay back loans. Otherwise the government needs to take less tax from people who owe education loans and put the money they tax out directly on their loans they owe. It 's not difficult but it will be the downfall of the economy if we do not take the education loan debt seriously.