davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (TN)

XXXX Bankruptcy filed XX/XX/XXXX- property surrendered in bankruptcy. Lender and XXXX notified. 
Lender sold mortgage to : Nationstar Mortgage , LLC, XXXX, TX XXXX - on XX/XX/XXXX. 
Nationstar was notified by Certified Letter dated XXXX. The property had been surrendered XX/XX/XXXX bankruptcy. 
XXXX attorney has filed charges and obtained judgment based on incorrect information.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ULRS, Inc. (CA)

I have received numerous phone calls from XXXX XXXX, United Legal Group, XXXX / XXXX ext XXXX regarding his attempt to collect a debt from someone not at this number. I have instructed him both on the phone while speaking to him and by voice mail to cease and desist calling me about this matter. This is clearly regarding an alleged debt by someone who does not reside at this residence. 

So far this month alone : XXXX XX/XX/2020 - Received phone call from XXXX XXXX and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 
XXXX XX/XX/2020 - Spoke with XXXX XXXX and specifically told him to stop calling. 
XXXX XX/XX/2020 - In response to yet another in a series of recorded phone calls, I left a voice mail at the provided number and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 

I have recordings of his phone calls as well as pictures of the caller id showing dates and times of his phone calls after being told to cease and desist calling.
Consumer complaint received 2017-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MT)

I 've received multiple emails from Navient on the XX/XX/XXXX. All of the links in the email does n't work with any of the browsers on my computer, ( XXXX XXXX, XXXX, XXXX ),  and I 've tried multiple calls to Navient on the XX/XX/XXXX through the XX/XX/XXXX ; they all claim that the site is fully functional, and the links should be working. 

I 've went ahead and gone directly to the website, and the site loads, but once I attempt to get to the login page, all the browsers still state that the site is non functional and " ca n't provide a secure connection ''. This makes me feel questionable about Navient and its security practices, if their own sites ca n't even make a secure connection to my personal information about me and my student loans.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NC)

Quicken Loans Mortgage Company has been making credit inquiries on my credit report since XX/XX/XXXX. Quicken Loans are using a Company call XXXX to make inquiries on my credit report. Quicken Loans / XXXX are causing my credit score to decline from mid scores of XXXX down to lower scores of XXXX on my credit record due to their inquiries. I need this stopped immediately and my credit score returned back to XXXX+ score, prior to a mortgage loan they process for me doing that time. 
Documents Quicken Loans would need Finance XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX/XXXX/XXXX at XXXX To XXXXXXXXXXXX Message body XXXX We would need : XX/XX/XXXX & XX/XX/XXXX Tax returns XX/XX/XXXX & XX/XX/XXXX XXXX XXXX paystub dated within the last 30 days Lease agreement for rental property. 



XXXX Quicken Loans XXXX XXXX | Mortgage Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXX # XXXX Highest in Customer Satisfaction in the U.S. by XXXX. XXXX XX/XX/XXXX - XX/XX/XXXX Primary Mortgage Origination | XX/XX/XXXX - XX/XX/XXXX Mortgage Servicing
Consumer complaint received 2017-01-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NC)

1-My mother XXXX XX/XX/XXXX. She had an IRA at BB & T. I inherited 1/3 of this IRA. BB & T told me my options were to establish an inherited IRA at BB & T or cash out the account. I would have preferred an immediate transfer of the money to XXXX without creating the account at BB & T but they did not give me that option. As an aside, that was exactly the process that was used by another bank at which my mother had an IRA and it was a very smooth process. Feeling like I had no choice, I let BB & T establish the IRA-BDA. After the account was established, I moved the IRA-BDA to XXXX. BB & T charged me a {$50.00} fee to move my money. I told them I was going to move the money and this fee was never disclosed. The banker states that I never told her this. This is one of multiple " untruths '' that she has stated during this process. BB & T also took out the RMD for XXXX without my permission. I lost {$50.00} in this transaction and the ability to earn interest on the RMD within the IRA for the next 10 months of XXXX.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Equifax Security Freeze Experience : I requested a Security Freeze from Equifax. Certified letter was mailed XX/XX/XXXX and delivered XX/XX/XXXX. ( USPS Certified Letter # XXXX XXXX XXXX XXXX XXXX ). Today ( XX/XX/XXXX ) I receive a letter from Equifax giving me an Extended Credit Fraud Alert, which is not the same as Security Freeze. The title of the page I sent them in large bold print was " Security Freeze Request to Equifax. '' I had been the victim of identity fraud for which I had filed a Police Report ( XXXX XXXXXXXX XXXX ) in XXXX County last year, which should allow me to receive free security freezes and free temporary security freeze lifts indefinitely. A copy of this Police Report as well as copies of my Driver 's License ( both sides ) and two utility bills were included in the envelope with the form requesting the Security Freeze. With this documentation and the specific titled page requesting Security Freeze there was no uncertainty that I wanted a Security Freeze and not an extended fraud alert. The form requesting the Security Freeze was completed by me and included my name, address, social security number, and birthdate. I also added to it that there was a copy of the police identity theft report, the number of that report, and my phone number. 

I called them today between XXXX and XXXX XXXX and I can not talk to a person until Monday. They should have 24/7 telephone support after their irresponsibility and negligence. And their arrogance in not honoring my Security Freeze request is unacceptable. This company should be fined billions of dollars and told they can no longer function in this segment of business. Diversify into something else or die as a company. 

I do not want to take the so-called free Security Freeze they offer on the phone because they imply after XX/XX/XXXX that state fees would then apply to the their free version of a security freeze. I do no want pay {$10.00} every time I suspend and every time I reinstate the security freeze. 

This company should not get away with their behavior in my case, nor avoid harsh financial and legally restrictive repercussions on the federal level.
Consumer complaint received 2017-02-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I INCLUDE MY ADDRESS EVERY TIME I SUBMIT A COMPLAINT,. I AM REQUESTING THAT MY ADDRESS BE CORRECTED. I DO NOT AND NEVER HAVE LIVE ON XXXX XXXX. IN XXXX. THAT IS MY EX HUSBANDS ADDRESS PLEASE MAKE CORRECTION
Consumer complaint received 2015-08-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: COOLEY ENTERPRISES INC (TX)

I agreed with the dealership to return the vehicle since it was a lemon. I had transmission issues with the car from the time I baught it. I was repeatedly told they would replace car but kept getting the run around. The cars transmission eventually gave out and I was advised the issue would be resolved which it wasnt. I eventually stopped following up. When I tried to purchase another car I found XXXX XXXX had placed it as a repo on my credit which management said they would not happen.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NJ)

Submitted a signed/completed application to the total and permanent XXXX unit dated XX/XX/XXXX. On, XX/XX/XXXX, Nelnet the servicer under contract by the U.S. Department of Education to assist with the processing of the above mentioned program, sent a letter acknowledging the application, the letter states the review process can take up to 30 days. My initial review process actually took almost 60 days ( after many phone calls ), a letter from Nelnet dated XX/XX/XXXX advised that they want the Physician to update section 4, question 2. The medical doctor updated this information and faxed the correction with the words " XXXX '' along with her initials. This was faxed to Nelnet on XX/XX/XXXX and on XX/XX/XXXX, Nelnet acknowledged receiving this information. Now, two weeks later the application continues to claim " under review ''. Calls to the Nelnet service center at XXXX on XX/XX/XXXX, Sue advised that it only should take a few weeks. The call on XX/XX/XXXX, to Nelnet, XXXX advised that no set time exists, the processing has no time frame whatsoever. Nelnet needs to issue some continuity with customer service representatives, so that callers do not receive conflicting information.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

MORTGAGE COMPANY CHANGED ESCROW WITHOUT NOTICE, DID NOT APPLY REGULAR PAYMENT. CREDIT REPORT SHOWS LATE PAYMENT XXXX 2013. I TRIED TO ADDRESS THROUGH CREDIT AGENCIES, NATIONSTAR REFUSED TO CHANGE IT. THIS LATE PAYMENT IS HARMING MY CREDIT RATING. I WILL ATTACH PROOF OF REGULAR PAYMENTS.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc. (NY)

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$100.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

Ditech gave a deadline of XXXX XXXX, 2015 for me to respond to their modification offer. The offer adds " expenses '' to my new modified balance that are not explained. I sent a Qualified Written Request asking for an explanation of these expenses, but Ditech has refused to give me information. 

On Wednesday, XXXX XXXX, 2015 my wife XXXX called Ditech at XXXX about sending a Qualified Written Request asking for information about your modification offer. She was told to fax the letter and specifically told she did not need to send it by mail. 

She followed up by calling Ditech at the same number on XXXX XXXX, 2015. She spoke to a Ditech representative at extension XXXX. That representative said Ditech would not provide any information to respond to the Qualified Written Request that was faxed to Ditech on XXXX XXXX. 

The Ditech representative claimed the information I asked for was already included on page XXXX of the modification, but that is completely false. I asked for an explanation of the charges, and page XXXX simply lists XXXX very broad categories of charges with no explanation. 

Specifically, the letter from Ditech dated XXXX XXXX, 2015 includes a permanent modification offer and says that the " new balance '' of my modified account includes " past due interest in the amount of {$14000.00} '' and " eligible servicing expenses of {$13000.00}. " In the fax of XXXX XXXX, I requested a detailed list and explanation of what is included in the " eligibile servicing expenses of {$13000.00}. '' I also asked for an explanation of how the " past due interest in the amount of {$14000.00} '' was calculated. 

I submitted a new Qualified Written Request asking for this information again by fax on XXXX/XXXX/15 and by mail on XXXX/XXXX/15. 

But I am concerned that due to the Ditech 's refusal to respond to my original request, I will not have the information I need in order to respond to the modification offer before XXXX XXXX, 2015.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (CO)

I got a job in XXXX of 2022 and my payments got deposited on a XXXX  prepaid card. I got XXXX on XX/XX/XXXX someone went to my residence and took my wallet with my card. After I was XXXX payment was deposited on my card on XX/XX/XXXX. The person that stole my wallet used my card on XX/XX/XXXX after the money was deposited on the card while I was in XXXXXXXX. This person used the card 58 different times totaling XXXX. I explained all this to XXXX  that I didn't report the theft due to being XXXX. They said they did an investigation and no fraud had occurred. There are online purchases with the card and even a purchase of a hotel room. I feel they didn't do a thorough investigation if they did they would of found out I was in XXXX  and could not have bought a hotel room or buy things online.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Care Credit card was closed due to other cards having higher balances and rotating credit. This card has no balance and has always been in good standing. Im not sure why my account would be closed due to any other card or account having any balance when I have paid them on time and in full always. Representative informed me that there was nothing I could do except reapply. I have had this card for quite a few years and suddenly there is a problem due to something that has no effect on this account whatsoever. I am very displeased with how this has taken place.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc. (CA)

I was a co signer to XXXX a friend XXXX i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On the evening of XX/XX/XXXX around the XXXX hour the fire alarms sounded at XXXX XXXX XXXX in XXXX XXXX, Florida. I then went to the XX/XX/XXXX located at XXXX XXXX XXXX XXXX , XXXX, FL, XXXX. This was the last location I had my wallet. I successfully purchased the items I sought to buy that evening and thus had my wallet in my possession on XX/XX/XXXX. The following morning, XX/XX/XXXX, following my daily reconciliation of my bank account I received a text from Chase Bank stating that potential fraudulent transactions were processed on my account and instructed me to call them to verify these transactions. At this point I was driven to attempt to locate my wallet. When I was unable to find my wallet I logged into several other accounts which could have been effected from the cards that were potentially in my wallet when it went missing. I noticed that charges were also consecutively being charged on several other accounts. I then reported the fraud to Chase, and requested a new card and a stop be placed on my current debit card. Following the investigation performed by Chase Bank I was informed that they had deemed these charges to be correctly authorized and would thus proceed to remove the amount of the transactions, subsequently credited back to my account when the fraud was reported. I am certain that no pin number was utilized for these transactions. Chase stated the transactions were made at " chip enabled '' locations however can not confirm that a pin number and a chip were used to make these purchases. My wallet was never recovered however all cards were deactivated, fraud claims processed by the other banking institutions and new cards were issued. The two charges that are being refused for fraudulent activity by Chase Bank are as follows ; ( 1 )  XXXX XXXX - Store # XXXX for {$420.00} ( 2 ) XXXX - Store # XXXX for {$110.00} ( XXXX XXXX XXXX XXXX Space # XXXX, XXXX, FL, XXXX ) Total fraudulent charges on Chase debit card amounted to {$530.00}.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

I was set up to complete a mortgage with Quicken Loans INC. the third party appraiser, turned in an appraisal document with words mispelled, missing or incorrect information, and failed to fill out the certification that the individual was physically present at the property. Quicken Loans failed to contact me to get the matter resolved. I as an individual had to gather documents from XXXX, and local tax office to show the invalid information contained within the report. Quicken Loans failed to contact the consumer to update him of the process, the consumer had to reach out to Quicken Loans multiple times, and finally Quicken Loans in an email admitted that the XXXX party appraisal management company found that the comparable properties turned in by the consumer should have been considered. Quicken Loans after nearly a week and a half has failed to resolve the situation. Quicken Loans stated via telephone that the issue was the consumers fault. Quicken Loans has failed to refund any deposit made by the consumer. Quicken Loans has failed to follow any good faith gestures in their short comings.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

Keep getting calls all day long  from Macys Blloomies and MCCS which is also Macys. I do n't even have an account with them nor does any family members. Do n't even shop at Macy 's. Every time I block the number they call on another one. From what I have read others have tried to stop them but have n't been successful so I have n't bothered contacting the company. Not sure if it is really Macy 's or  not. They just called again from this number  XXXX  and this is only  one  of tons of different numbers they use.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NY)

My name is XXXX XXXX from XXXX XXXX XXXX I have been working with PNC Loss Mitigation Department and I need your help! Our file is being refused for review because previous companies have failed to do there due diligence in correctly completing the short sale application. I spoke to XXXX XXXX from the Loss Mitigation and she had explained company policy but I beg you on behalf of the HomeOwner and myself to please assist in this matter. The HomeOwner has an auction date of XXXX XXXX. We have a full file and fully executed contracts with a Cash Buyer. Please see attached documents and help me in this matter.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

XXXX/XXXX/2016 I was charged a overdraft fee when I had more than enough money to cover the bill. : The following items posted against insufficient funds : Item Amount XXXX XXXX XXXX PA {$36.00} Item Paid Final Available Balance as of XXXX/XXXX/16 : - {$42.00} This balance does not include the fees listed below. 

Fee ( s ) totaling {$36.00} will be charged on XXXX/XXXX/16. 

I opened two other account attached to the same card and the young lady who assisted me with opening the cards asked if I wanted overdraft protection. She was told YES. 

I spoke to a young lady today and she stated although I had enough money in the bank to cover the cost, the check mark was not checked for this account to cover incidents like the one mentioned. 
Again, I opened the other accounts inside of the branch and was verbally informed by the attendant that the protection would avoid me paying over draft if I had the money in another account. 
As a housing counselor, I felt the wallet was user friendly, I have spent several minutes looking for the check mark the CSR spoke of after telling me there was nothing she could do to help me ... and I still have yet to find it.