davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (NC)

On XXXX XXXX, XXXX, we signed up for a virtual office and mail receiving service from a company called XXXX. In XXXX of XXXX, we were informed by XXXX clients as well as XXXX that they had sent letters to our NY address provided by XXXX company. We called ( left a voicemail since no one answered our call ) and emailed twice before XXXX of XXXX asking the XXXX representatives about this and did n't get a response. Therefore we made a decision in XXXX, XXXX to dispute the charge through our credit card company Barclays Cash Forward. They provided us temporary credit. Then XXXX XXXX, XXXX, they reversed the credit saying merchant ( XXXX ) has sent documentation to fight the chargeback. We requested that we see the documentation so we can defend our decision to dispute that charge since we did n't get part of the services we have originally signed up for. The letter was mailed out XXXX XXXX but we have still have not received it, We have called Barclays XXXX three times since then and they they keep saying it will arrive in 5-10 business days.
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (ID)

My daughter was going to XXXX when they closed their doors. I HAD Taken out ap parent loan for my daughter and it went through Nelnet as that was where my student loans are through. Both my daughter and I submitted the federal form for loan XXXX eness due to school closure. My daughters financial institution that is handling her student loans accepted it and her loans were wiped out and I have had to reapply 3 times and Nelnet keeps mishandling it and in the meantime is making me make payments and still accruing interest on the loan. Every time I contact them the answer is the same ... .I need to resubmit. I 'm frustrated and do not know what else to do. Please help
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing transplant XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

XXXX called me claiming to be XXXX saying that my computer was sending out error messages and needed repairs which it did not. Now they claim I called them. How could I have called them when I have never heard of them. Furthermore I have sensitive material on my computer XXXX and would not leave it with anyone except XXXX.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have a discharge on a Chapter XXXX Reorganization as of a year ago this XX/XX/XXXX. The mortgage servicer company, Ditech, bought the mortgage from GreenTree and has failed to move me from BK status to normal servicing, has failed to provide a monthly statement, failed to provide loan balance, credit for all monthly payments made since I obtained a Confirmed Plan in XX/XX/XXXX, XXXX District Bankruptcy Court. I contacted CFPB when I was initially being abused by GreenTree, you failed to help me, I ended up in Chapter XXXX, with case costs of {$150000.00}, to protect my estate including my real estate which I rely on for retirement ; perhaps now you can do something - this is a straightforward violation around consumer lending disclosure, fair credit reporting.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

There is a bankruptcy on my experian credit report in which experian indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my report.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card with Chase. My account was closed without my consent in XX/XX/XXXX. 
My account was in good standing ( for 24 years ) and I had updated my personal data with them in XX/XX/XXXX. When I attempted to use the card on XX/XX/XXXX it was declined. I called Chase and they told me my account was closed due to lack of a form XXXX. They indicated that they had sent me a letter to this effect which I did not receive. I was also told that if I visited a Chase branch then I could submit the form there and the account would be re-opened. I drove to a Chase branch which was XXXX miles from my work and completed the form. I was told the process would take 1 business day. 
When I called back to Chase on XX/XX/XXXX when the card still failed to work, I was told by another representative that since the account was closed in XX/XX/XXXX that it could not be re-opened.
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc. (AL)

THE COMPANY XXXX XXXX  IS REPORTING ON MY CREDIT REPORT AND IT SHOULD NOT BE IN WAS INCLUDED IN BANKRUPTCY, THIS SHOULD NOT BE REFLECTING NEGATIVE INFORMATION ON MY CREDIT REPORT. IT SHOULD NOT BE ON THERE AT ALL, IT IS AFFECTING MY CREDIT REPORT
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (OH)

I FELL BEHIND ON MY MORTGAGE PAYMENTS IN XXXX BECAUSE OF CIRCUMSTANCES NEEDED TO CARE FOR MY GRANDCHILDREN WHOM I HAVE CUSTODY OF.I HAD TO GO FROM WORKING FULL-TIME TO PART TIME WHICH I THOUGHT WOULD BE FOR A FEW MONTHS, BUT IT ENDED UP BEING LONGER. I REACHED OUT TO MY MORTGAGE COMPANY TO SEE IF I COULD GET A EXTENSION OR TO SEE ABOUT AN MODIFICATION.I WAS ASSIGNED AN CASE MANAGER XXXX XXXX AND THIS WAS BY VIA MAIL. THEY SENT ME DOCUMENTATION AFTER DOCUMENTATION OUTLINED WITH WHAT THEY NEEDED TO START THE PROCESS.WHICH WAS IN XXXX.AT THE TIME I WAS ONLY BEHIND 2 PAYMENTS.EACH WEEK I HAD TO SEND MY INFO VIA EMAIL, FAX OR BY MAIL. WHICH I CHOSE FAXING SINCE IT IS INSTANTANEOUSLY. WHICH WAS THE FINANCIAL BORROWERS STATEMENT WORKSHEET, MONTHLY EXPENDITURES WORKSHEET, XXXX, REQUEST FOR TRANSCRIPTS OF TAX RET. HARDSHIP LETTER, XXXX FORM, BANK STATEMENTS, PAYSTUBS. I FILLED OUT ALL OF THEM. I SENT THEM ALL BACK VIA FAX, BUT NEVER HEARD FROM THEM. EACH WEEK I CALLED MY CASE MANAGER WHO WAS NEVER IN.LEFT SEVERAL MESSAGES, AND NEVER HEARS FROM HIM.I STARTED TALKING TO JUST RANDOM CASE MANAGERS TO TRY TO SEE IF THEY KNEW THE STATUS AND EACH TIME THEY STATED THAT MY DOCUMENTS WERE HARD TO READ, OR WAS TOO LIGHT, TOO DARK, OR SLANTED, BUT INSTEAD OF CALLING ME BY PHONE IN A TIMELY MANNER TO RESOLVE THE ISSUES WITH MY MODIFICATION APP, THEY WOULD SEND IT VIA MAIL.I JUST BELIEVE THEY TRY TO PROLONG IT SO I COULD LOSE MY HOME. ALSO ON THE DAY I CALLED BACK TO SEE IF THEY RECEIVED MY INFORMATION BECAUSE I DID N'T HEAR FROM THEM, THAT WAS AFTER XXXX ON XX/XX/2016.THEY SAID I NEEDED TO SEND IN ANOTHER BORROWERS FINANCIAL STATEMENT, WHICH I SENT IN XXXX AT THE VERY BEGINNING OF THE PROCESS, WHY WOULD YOU ASK ME TO RESEND IT AGAIN IF YOU ALREADY KNEW YOU COULD N'T READ IT IN XXXX. THEN I FELT LIKE THEY WERE UP TO SOMETHING, SO I RESENT IT THRU FAX ON THE SAME DAY I CALLED THEM THE FOLLOWING WEEK AND THEY SAID THEY RECEIVED IT, AND TO ALSO LET THEM KNOW I HAD DIFFERENT CIRCUMSTANCES THAT WOULD HELP ME FINANCIALLY TO MAINTAIN MY HOME. THEY DID MENTION THAT IT WAS ALL COMPLETED AND BEING REVIEWED.SO I JUST WAITED, THEN I CALLED BACK THE FOLLOWING WEEK BECAUSE AGAIN THERE WAS NO CORRESPONDENCE BETWEEN THE CASE MANAGER AND I.HE WAS NEVER IN HIS OFFICE, ALWAYS ON VACATION. AGAIN I SPOKE TO ANOTHER CASE MANGER WHO INFORMED ME IT WAS DENIED AND THEY WERE SENDING THE INFO IN THE MAIL, WITH SHORT SALE INFO, OR DEED IN LIEU. I JUST FEEL LIKE THERE WAS NO HELP FROM THEM TO EVEN TRY TO HELP ME THROUGHOUT THE ENTIRE PROCESS.
Consumer complaint received 2017-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank closed my personal checking account on XX/XX/2017 without my knowledge and sent me a cashier check. They claim that my personal checking account which I had for over thirty five years was a business account. I spoke to Senior Service representative who also confirmed that it was set up as a personal checking., but due to Chase acquisition of Washington Mutual the account somehow changed to business. I have been using this account for my direct deposits. The checks, I wrote out will be returned with insufficient funds and I will be penalized for this. Chase currently does not take blame for this.
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (GA)

I am submitting this complaint as to why i can not open up a bank account anywhere and why my account was closed. I was a victim of identity theft that i reported once all my personal information and files with my important confidential info was stolen by a supposedly 'trusted ' individual. It really corrupted the credit i was building for myself and it got even worse when i started getting denied access to my own funds, accounts began to close and now i stuck without a bank account in my name. I really need to know how to make this all go away. I am just a XXXX working to pay my bills and the support system that i thought i had whom i had also entrusted scammed me and went MIA, and left me in a bad position with proceeding in my life financially.
Consumer complaint received 2017-03-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

I bank with PNC Bank here in XXXX, PA. I have always been 'opt-out ' on my checking account, however last XXXX ( XX/XX/XXXX ) my account was changed to a different type of checking account better suited to my needs as an XXXX and on Soc Sec XXXX. When the account was changed the 'opt-in ' is the default standard and the customer must 'opt-out '. I was NEVER notified that I was an 'opt-in '. My understanding is that there are 3 ways to change that status : by letter, over the phone, and online. Each would still require some sort of notification and signature by customer acknowledging the change. 
Over the past year I have had numerous overdrafts due to my debit card to say the least and my PNC branch has been very flexible in offering a few refunds of the OD fees. The most recent occurrence of overdraft fees due to the debit cards being authorized and paid began on XX/XX/XXXX. I have paid nearly {$1000.00} in OD fees during the last year due to this opt-in being on my account and never realizing why the ODs were multiplying like bunnies until recently a banker friend mentioned it. 
PNC has offered a paltry {$100.00} refund this time around and has corrected me back to 'opt-out ' like I ALWAYS had been. They claim it is not a bank error and will not refund this extraordinary amount of OD fees collected from me over the past year due to their failure to disclose to me the opt-in status. I was told that its in the customer Rules & Regulations book. I would think they have a fiduciary responsibility to make it very clear at time of account opening ( or type change ) to the consumer and at least have me sign a paper acknowledging it.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my wife 's report, other just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the same agency that removed them previously.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (CA)

In XX/XX/XXXX I received a collection notice from ERC on behalf of XXXX. They are attempting to collect a {$910.00} debt from an account that was fraudulently opened. The dates for this account are XX/XX/XXXX opened to XX/XX/XXXX closed.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (KS)

In XX/XX/XXXX, I went to XXXX to submit my annual Income Based Repayment ( IBR ) renewal form. Per the instructions, I mailed the form to American Education Services ( AES ) in XX/XX/2017. I called them several times to check for status, but they claimed they had not received anything, yet. I escalated and discovered that the application was sent FedLoan Servicing ( It was sent to whatever address was posted at StudentLoan.gov under my account ). Apparently, FedLoan Servicing is a sister company to AES or a company they recently merged with. According to AES, when FedLoan Servicing sent my application to AES to be properly processed, FedLoan Servicing only sent a partial application. By that time, it was XX/XX/XXXX, so I faxed my application to AES for quicker review. Yes, I said " fax. '' They apparently do not have the technology to accept a PDF via eMail or upload ... ... ( Side Note : AES had no record of my conversations in XX/XX/XXXX ; the rep apparently deleted the record of my contact. ) Over the next several weeks, I called several times for status. AES told me each time that they had the application, and it was being reviewed. In XX/XX/XXXX, my payment went up from {$560.00} per month to {$1500.00} per month because they claimed they had not received my IBR renewal in a timely manner. Of course, I had only paid {$560.00}, and now they claim I 'm delinquent. I called again. The agent suggested I send it again. So, I sent the application a fourth time. This agent claimed I had only sent my application in the week prior. She argued with me adamantly that that was the case. I finally convinced her to check the application, and she quietly said, " Why is this dated in XX/XX/XXXX? '' .... I am at the end of my rope with this company. I honestly believe that they are purposely delaying IBR renewals on people with no remaining forbearance so that they can charge extra fees and collect higher payments. This is predatory lending at its worst! And, since it is a student loan, I have no recourse as an American consumer. They now have claim to destroy my great credit and garnish my wages. If anyone else has experienced this, please share! This level of incompetence is too blatant to be accidental.
Consumer complaint received 2017-04-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TCF NATIONAL BANK (AZ)

I am a retired XXXX employee, and I get my check on the XXXX of each Except if the XXXX falls on a weekend, then I get paid on the following Monday. I have XXXX friends who have accounts at XXXX XXXX and XXXX who get their checks on the XXXX regardless of the date. I bank at TCF. My bank then assess Over draft fees to my account, as I have automatic payments that come out on the XXXX I would like to know why this happens.
Consumer complaint received 2016-10-03
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Pacific Home Loans, Inc (AZ)

During a VA streamline refinance with Pacific Home Loans, we were told not to make our mortgage payment and I was told to date a document one day before without knowing why. I complained to a manager and manager said it is common practice to tell customers not to make a payment once loan is final approved and going to docs. I was told not to make a payment a month before we received a final approval. We almost missed our payment and would have caused us a 30 day late. Our final loan disclosure did not match the loan disclosure we received at closing and did not see a principal reduction or a check for the amount of XXXX. We were told for over a month that we were in docs but never received a call from a processor until a month and a half later. We were lied to consistently.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy XXXX 2. XXXX XXXX 3. Inquiries XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (CO)

I utilize the XXXX bill payment service to pay my mortgage with United Wholesale Mortgage. I schedule my payment to be made on the XX/XX/XXXX of the month. Payments are considered late if not received by the XX/XX/XXXX of the month per UWM. UWM keeps charging me a late fee for payments received after the XX/XX/XXXX. I question whether they are using the date they receive the check to credit my account. I suspect they use the date they process the check as the payment date. This breaks Reg Z requirements. I have asked for proof of when they actually received my check and they only send me a printout when the check was processed to the account. When I worked at a mutual fund company, all checks had to be time stamped when they were received so they were processed on the correct day. All in all this causes me a {$95.00} late fee each time it happens. Furthermore, XXXX debits my account on the XX/XX/XXXX when the payment is not credited until the XX/XX/XXXX by UWM. There are 5 days of float that my funds are held hostage??? Sure I can send payment earlier, but I ca n't understand how this is a fair business practice. I am looking for UWM to be held accountable. If then can prove the checks are being received after the due date, then I just have an issue with XXXX debiting funds earlier than the check clears. If they are unable to prove when the checks are being received, then I question all of my late fees and how UWM conducts business. Checks are sent to a PO box , so when the mail is delivered to the PO box , the check is received! Thanks, XXXX P.S. No sympathy from UWM or XXXX. Just the way the process works. I am calling them out.
Consumer complaint received 2017-03-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

PNC Mortgage Loss Mitigation wo n't give me any information regarding countless declined Short sale offers. They hold on to offers then decline and not counteroffer stating it 's too close to sale date. We have submitted latest offer at PNC 's BPO 's value and no one will look at it nor help with getting sale date extended. We have been trying to work with the servicer for past 6 months and get no information except declined. Our sale date is Monday XX/XX/XXXX and really need help getting to a decision maker. Supervisor over loss mitigation wo n't return phone calls. This foreclosure litigation has been on going for almost 5 years because PNC could not prove standing. It has been a nightmare and never once have they reached out to help mitigate the foreclosure. PNC is subservicer, XXXX f/k/a XXXX mortgage is Master Servicer Investor is XXXX TRUSTEE for XXXX XX/XX/2007 pass through certificate Trust put together by XXXX. The Investor name had to be changed as plaintiff on Foreclosure because PNC could n't prove Standing. But as servicer they are the only one we can submit loss mitigation options to because trustee does n't make those decisions. But it seems like if Servicer did n't have standing to foreclose them they do n't have standing to approve a short sale. Resulting in us the homeowners in a BLACK hole. Please help get Sale extended and help us forego a foreclosure by completing a short sale. Our buyers are qualified and approved for XXXX waiting on PNC approval. PNC 's BPO As is Price is XXXX.
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL)

I have mailed 2 certified letters to all XXXX collection agencies ( XXXX ) on XX/XX/2017 and XX/XX/2017 regarding this creditor AR RESOURCES for a medical bill. I have asked for Validation of this debt with my signature stating that they can report this since this is a HIPAA violation of my private medical account and medical history information. I did not authorize nor consent to this. I have yet to receive any proof with my signature of me consenting to the release of my private health information. They refuse to provide proof as to why I am filing this complaint and I am trying to purchase a home and this is showing I have financial trouble in which I do not.