davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (IL)

We had Quicken Loans as a mortgage lender from XX/XX/XXXX through XX/XX/XXXX. We refinanced at that time with XXXX as our new mortgage lender. We have had XXXX as our mortgage lender since. 

On XX/XX/XXXX, Quicken Loans contacted our home insurance provider ( XXXX ) and requested the below : 1 ) Change the name of the mortgage provider on our home insurance policy FROM XXXX TO Quicken Loans ( thus changing the mortgage e-clause ) 2 ) Change the payment preferences FROM us ( XXXX XXXX XXXX TO Quicken Loans. They indicated they will not be escrowing the funds from our monthly mortgage statement. ( Note : We have always paid our home insurance in full the minute we renew. Additionally, Quicken Loans is obviously not our current mortgage lender ... so they are not issuing any statements to us. ) 3 ) Quicken Loans requested our home insurance policy information ( which XXXX provided XXXX which included our active mortgage loan number with XXXX. 

I called on XX/XX/XXXX and spoke to XXXX. that works at XXXX. She provided the information of what was changed and indicated that XXXX is legally able to provide information to mortgage companies that have names and addresses of XXXX 's customers. 

I am very uncomfortable and feel violated and am not sure why Quicken Loans would call on a loan that is not active ( for well over a year ) to obtain my personal information ( including my active mortgage loan number ), change my payment preferences, and update my current mortgage information to their name?
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Fraudulent charges were made on my account for services that were never rendered. My credit report was corrected after investigation by XXXX and XXXX, but I had tried unfruitfully to communicate with Equifax and it 's being impossible. Last thing they told me before the phone call was cut, was that my actual physical address, where I 've being living for 6 years now is not in their records and now I recently found they just removed it from my credit records after that ( they had it ) while the other agencies still have it.It 's being very frustrating. First I tried online, then, I tried to send them an email that they never respond, and finally I called then by phone. When I was in that process the representative just hung on. I 've being trying to file a dispute with them and they are refusing to do so implying, apparently, that I am stealing my own identity.Last thing I did was to send the filled dispute form by mail ( I include a copy in the attachments ) to their address. It was ten days ago, and the only reaction I had from them is that they removed my current address from their report ( The other XXXX Agencies still have it, like I said before ) .I am contacting you becuase I do n't have anybody else to help me with this problem. thanks in advance!
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NV)

This Collection agency Company  XXXX   XXXX  has failed to provide proper verification of the accou nt they brought from Walmart/ Synchrony Bank/Walmart.  This company has not and could not provide in formation like documents bearing my signature that I owe ( {$540.00} )  to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  XXXX   XXXX  about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company  XXXX   XXXX . Dont matter the original creditor have the same account number as the collection a gency. Synchrony and   XXXX   XXXX  different companies have on my credit report. I feel they are trying to be smart by having the same account number unde r two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then al l files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature  for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
Consumer complaint received 2016-10-02
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (FL)

We had a line of credit that expired. We were under the impression that the balance would be turned into a fixed loan since the bank would not renew the line of credit. we got the fixed loan after all. BBT wrote us a fixed loan to repay the line of credit. this is fine. we always made our payments on the line of credit above what was requested on our statement. we have our checking and savings account with them. our complaint is they approved the loan with a 7.24 per cent interest rate which we understand is about three points above prime. our line of credit was at XXXX per cent. we thought the 7.24 was high but the bank would not budge. the loan is for 180 months and with this rate it will be years of mostly interest before we get to much going on the principal. we signed somewhat under duress because if we had not signed we would have gotten locked out of the offer which would have caused us to go bankrupt which we do n't want to do because we have worked hard for years to keep our credit in great standing. this incident makes us feel like a great credit rating means very little to them. our condo is now having work done which required a large assessment which the bank knew and now this loan with the high interest has really hurt. we have no problem paying if because we owe it but thought the bank could help us out with a lower rate. can anything be done to help us? we are regular working people trying to get by. we have been good customers of BBT since they acquired XXXX a few years back. 
Thank you for any assistance you may provide. 

XXXX and XXXX XXXX BBT Branch office on XXXX in XXXX XXXX.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Citibank failed to mail me statements in XX/XX/XXXX, XXXX and XX/XX/XXXX. Copies of their statements are not available online at their Website citi.com It is necessary to request them to receive them between 24 or 48 hours. Are they provided by Email? How do I get my statements? How this bank is allowed to refuse to make available statements to its credit card customers?
Consumer complaint received 2017-08-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am uploading a copy of the letter I sent to Equifax 2 months ago. I still have n't received the first response from Equifax, despite follow-up letters asking for an excuse for their delay. I received responses from XXXX XXXX and XXXX over a month ago already.
Consumer complaint received 2015-06-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I attended a similar private school like XXXX, called XXXX College ( in XXXX ). I attended XXXX College after being brain washed and convinced by all the commercials in the early morning shows, such as " XXXX XXXX '' and " XXXX XXXX. '' I was young and naive. After the tour, and all the successful stories told by the sales person ( lies of course ), I soon applied. A XXXX realized that the school was not accredited by the state and my credits could not be transfer to other colleges. I should 've got the hint when the whole night class would meet and gather in the conference room every few months and speak about transferring to XXXX XXXX or XXXX. Which of course the dean ( principal ) of the school would answer with a " that is a work in process. '' This whole time I was mislead by the sales people, teachers, and financial aid personnel, thinking I would a get XXXX in " XXXX XXXX '' in XXXX YEARS! Later to find out it was NOT TRUE. That certificate/diploma would not be recognized by employers because it was not approved by the state as an official XXXX. 
XXXX months, {$20000.00} ( school fees ) + {$12000.00} ( interest XXXX ) dollar in private loans, and debt later, I realized this school was a scam and quit attending XXXX College. 
XXXX, XXXX XXXX, now with Navient should not associate themselves with corporate companies that take advantage of low income students.
Consumer complaint received 2016-06-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NJ)

I have never been late on making a mortgage payment and have never partially made a payment. I have a great credit score and always pay my bills on time. On XXXX XXXX, 2016. I received an email from Quicken Loans telling me that they did an updated escrow analysis and that my monthly mortgage payment will be increasing. I called Quicken to find out what the new payment was and Quicken was now asking me to pay {$7000.00} starting XXXX XXXX, 2016. However, my prior payments were only {$3800.00}. Quicken notified me that I have a deficit in my escrow account of {$22000.00} and that they want a payment of {$7000.00} for 12 months and that once the 12 months are up, My payment will be {$5100.00}. There is no way that I can make these increased payments when they happened so abruptly. It is not my fault that there is such a large deficit in the escrow account because I made my payments in full every month. Now I am blind sided with this situation and will end up losing my home. It is not fair that they are just able to increase my payment so drastically. I did not cause this situation. Quicken loans should have accurately calculated the mortgage payment prior to there being a deficit of {$22000.00}. There is no way that anyone could comfortably make this type of payment so abruptly and suddenly. I have no way of paying off this amount and now I am faced with being homeless.
Consumer complaint received 2016-12-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NJ)

Bought hair from " XXXX '' on XXXX, THROUGH PAYPAL. Claimed the hair did not shed, did not tangle, the hair shedded as soon as I touched it. I went to go wash it and the water was so dirty brown. Mind you I did not wear the hair at all I was trying to fix it. I contacted the seller and she said I have to return it back the way I got it to get a refund. That does not make sense cause how would I know the hair was bad if I didnt atleast try and wear it once. EVERYTHING they claim on their site is fake about the hair and even the reviews. I want my money back. OPENED a dispute on paypal and theyre saying i have to send it back how i got it to get full refund..
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

Re : PNC Bank, Checking Account # : XXXX Whom it May Concern ; I have tried to work out this issue with the bank to no avail. On XXXX XXXX, 2015 I deposited funds into my account for my payment to XXXX in, the amount of {$150.00}, on XXXX XXXX, 2015 and payment to cover check XXXX on XXXX XXXX, 2015 to clear. At that time I did not realize that the payment of {$35.00} to XXXX XXXX, online banking check XXXX, had not cleared to date. 

I am a XXXX XXXX veteran suffering from a XXXX in XXXX and I have compromised short-term and long-term memory. I find it very difficult to keep track of online banking items when they do not appear in the pending section on the online statements. I think it is the statements fault that my account had NSF during this time due to the fact that it made it difficult for me to keep track of the online bill payments. I think the fees should be refunded to me. 

Furthermore, with a limited income that I receive at the beginning of the month, the discriminating bank charges multiple until I am able to reconcile my account. 

Sincerely ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (DE)

This is a formal complaint against PNC BANK and XXXX XXXX my point of contact in the loan modification department. We applied for a loan modification twice. The first time we were turned down because the documents sat in the loan queue until it expired. XXXX XXXX informed us to reapply. so we did, the second time I called her numerous amount of times to informed her that our finances had changed and she responded to the voice message I left her XXXX month later informing that we were DENIED. I received that denial letter on XXXX/XXXX/XXXX saying that the modification was denied because of finances. XXXX XXXX, XXXX We received another letter that we have another point of contact. We decided to go with a housing counselor the name is XXXX community housing in Delaware. We have working with XXXX XXXX because our house has gone into foreclosure. XXXX XXXX was the most unprofessional representative I have ever came in contact with. While specking with her over the phone she yawned several times in my ear with no apology as if I was bothering her. We want to save our home. We feel that we were unfairly represented. Thanks in advance.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC. (GA)

My spouse added me as an authorized user to her Kays Credit Card Account through Sterling Bank! The bank closed the account! My spouse called to have me removed and they said I was removed but it is still on my credit bureau as an authorized user! I called Kays and they REFUSE to remove it!
Consumer complaint received 2015-07-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PNC Bank N.A. (PA)

PNC Bank is calling us XXXX times a day to collect on a debt that was paid through the U S Bankruptcy Court. We have statement from the Trustee that every penny was paid at the amount agreed on. They started calling in XXXX and I sent letters to PNC Mortgage in XXXX and XXXX with check numbers and amount paid. The still keep harassing us. I must have spoken to several dozen PNC minions who all promise to investigate and put an end to this. I have run out of options and would like to know how to put and end to his.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (LA)

I keep receiving letters concerning a debt to original creditor XXXX XXXX XXXX XXXX. I have NEVER had a cell phone in my name. EVER. I tried to call EOS/CCA, US Asset Management to resolve this. All they did was try to phish more info out of me and demand I pay. When I asked to prove the debt, the agent said they did n't have to and when I refused to pay the {$470.00} offer in payment for a debt of {$940.00}, she hung up on me. I think they are sending out letters to try to get suckers to pay debts that are n't theirs.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JMS Associates, Inc. (KY)

I received repeated calls and hang ups from XXXX Associates collection agency in Florida. When they finally spoke to me they threatened me with a civil suite and reporting to the Credit Bureaus for an unpaid bill for home repair work I had performed over 2 years ago. I said I had paid the bill and would find proof at home in my records. The next day I sent them my receipt for the final bill marked " final '' and proof of payment with method and date. They said that this was XXXX of XXXX bills and I stilled owed on another bill and I needed to call their office " that afternoon '' to resolve. My records were at home so again I dug through records and found my copy of the other paid bill with method of payment and date. I called the next day repeatedly to explain what I had found. XXXX XXXX ( the agency owner ) refused to take my calls. By afternoon I told the receptionist that I would hold since my calls ere not being returned and he would not take my calls. XXXX XXXX was again threatening about not paying my bills and refused any explanation of the documents I sent him. 

I called the Contracting company and they explained that the salesman had left the company and that they had many duplicate quotes in the system for the work performed on my home. Somehow they decided to randomly pick XXXX quotes and insist I owed them {$2500.00} I have provided proof of payment for the XXXX bills I received for the work performed. What they are trying to collect for is duplicate billing and erroneous work from sloppy paperwork from a former salesman.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (CA)

Regional Acceptance has been contacted my cell phone 4-5 times a day via auto dial & wo n't leave messages. Additionally, on XXXX/XXXX/15 they did call me and leave a voicemail at XXXX XXXX PST - which is a clear violation of the FDCPA to contact me prior to XXXX XXXX PST as I reside in California.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase and XXXX XXXX in the Executive Offices are being uncooperative and refusing to provide me with the names of everyone who has ever looked into my account, who their supervisor was/is, and who the regional manager was/is. 
Why these employees looked into my account, the dates they looked into my account, and who the regional manager was/is for those people. This is my account and I have every right to know who has been searching my personal/private financial account records. 
XXXX XXXX will not return my phone calls.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (VA)

On Monday XXXX XXXX, 2016, a man approached my front door. He took a photo of my front window with a tablet and left a yellow envelop with a notice, to contact Selene Finance at ( XXXX ) XXXX.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

To whom it may concern, I, ( XXXX Brown XXXX, Currently do not dispute my ( Navient Student Loans ) either as reported on my credit report or directly with the creditor. I request that the indication of a dispute and all comments in the comment section is removed from my report. I am trying to close on my home and need this done ASAP. 


Thank you, XXXX XXXX
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CA)

I started to receive live calls from people identifying themselves as CBE Collections. The stated my first and second surname and I confirmed that was part of my name ; however, I only go by my middle name and first surname. They asked if I lived at a specific address and if I ever had a XXXX account. I confirmed that neither applied to me and they had the wrong person. On a second call, I stated the same, directed them not to call and how it is that they obtained my landline given my number is not published. They said they would not call again. Now I am receiving robocalls instead, stating it is CBE Collections and that I need to call them back. 

As stated, they are attempting to collect a debt from someone who happens to have a name that it part of my name. I have been honest with them and directly instructed them not to call me again. 

The following number appeared on my called ID with a live caller XXXX and the robocalls are coming from XXXX.