davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: RMK Financial Corp (FL)

This is concerning loan # XXXX with R.M.K.FINANCIAL CORP. D/B/A MAJESTIC HOME LOAN. IN XXXX I COMPLETED A LOAN APPLICATION AND WAS EXPECTING TO CLOSE THE LOAN IN XXXX, 2016. AT THAT TIME THE CLOSING COSTS WERE APPROXIMATELY {$10000.00} AND WE WERE GETTING AN ESCROW CHECH FOR APPROXIMATELY {$1000.00}. THE LOAN DID NOT CLOSE IN XXXX AND FINALLY CLOSED XXXX XXXX, 2016. CLOSING COSTS HAD RISEN TO {$14000.00} AND THE ESCROW CHECK WAS {$56.00}. I WAS NOT ASKED FOR ANY FURTHER INFORMATION DURING THIS PERIOD AND CAN NOT UNDERSTAND WHY THE LOAN TOOK SO LONG TO CLOSE AND THE CLOSING COSTS ROSE {$3000.00}. WOULD APPRECIATE YOUR LOOKING INTO THIS MATTER. SINCERELY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL. XXXX TEL. XXXX E-MAIL XXXXXXXXXXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (WV)

From XXXX XXXX, XXXX to XXXX XXXX, XXXX I was XXXX, durring these dates i had an account with netspend corporation where SSI benefits was being sent to. My account was used and funds spent out. In XXXX XXXX after being sent to an XXXX i found out they were spent illegally. I file an complaint against all transactions made durring that time ( dispute ref. # XXXX ), netspend only creditted {$600.00} to my account in XXXX, XXXX out of the {$1300.00} `that was sent to me from social security administration for two months ( $ XXXX/mo. ) that was spent out. I continue to call and request for the rest thats owed to me and they either tell me thats all they can verify spent but where no money in my account or they hang the phone up. Last contact where the call was hung up was XXXX/XXXX/XXXX at XXXX XXXX.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WALLICK AND VOLK, INC (CO)

I received a letter drafted XXXX/XXXX/XXXX that my mortgage company did not pay my XX/XX/XXXX property taxes from my reserve because of : " undivided parcel number/please send new tax bill, if applicable ''. I retrieved the bill from XXXX XXXX XXXX assessors website and faxed it to the mortgage company on XXXX/XXXX/XXXX ( I had sent a page earlier, but it was for the wrong building as I own XXXX neighboring buildings ). On XXXX I noticed the bill had still not been paid, so I called. I was told that they would " open a work order '' ( 8 days after receiving the proper paperwork? ) I checked again today XXXX, and it still has not been paid, so I called again. They are claiming that the parcel numbers do not match between the tax bill and the closing documents so they are " researching '' it. When I asked if they had simply called the county, they would/could not tell me. 

The bill was due in XXXX, and they still will not expedite the payment. What can I do?
Consumer complaint received 2015-08-08
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: ESCALLATE, LLC (NY)

A collection agency ( Escallate , LLC. ) is threatening me with a negative credit report. 
A notice was received today that I owe {$140.00} for medical services ( XXXX and XXXX XXXX ). 

The bill for the services was never properly explained just sent out to me for payment. 

I have XXXX coverage and a supplemental policy through XXXX for the XXXX service. Payments were made by XXXX and XXXX and an unexplained remaining amount billed to me. 

I never received any explanation and have not paid the unexplained amount. 

Please help me resolve this abusive practice. Thanks.
Consumer complaint received 2016-06-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NM)

In XXXX we entered into a Deed in Lieu contract with our mortgager, XXXX XXXX XXXX after an unsuccessful attempt to sell our home in a short sale. After complying with all the requirements of the DIL contract, to include vacating our home, XXXX took possession of the property. In XXXX XXXX, XXXX transferred service of our loan to Selene Finance. At that time we were told that because we were in the final stages of the DIL process, it was just a matter of Selene Finance completing the process and recording the DIL with the county where the property is located. Almost 2 years later this has still not happened. I have contacted Selene Finance over 60 times in the past 22 months and have only been allowed to speak with the customer service rep who answers the phone. I have spoken to my single point of contact 3 or 4 times ( he has only returned my phone calls once ). Customer service told me back in XXXX XXXX that they had the signed DIL from XXXX on file. In XXXX XXXX I was told by Selene Finance Reps that it would take about 45 to 60 days to complete the DIL. In XXXX XXXX, Selene Customer reps told me it was the county holding up the process, they were just waiting for the recorded documents ( I contacted the County and they reported they had not received anything regarding a deed change on the property ). In XXXX of XXXX Selene reps informed me the DIL had been completed as of XXXX/XXXX/XXXX and we were no longer the property owners. Next Selene reps told me they were waiting for XXXX to submit the original documents to them. In XXXX XXXX I was told by Selene reps that the DIL had been accepted and completed on XXXX and we should be receiving a release of debt in the mail. In XXXX XXXX I get a call from them telling me I am in active foreclosure, but then they verify that we intend to continue with the DIL. I 'm then told the DIL was accepted as of XXXX/XXXX/XXXX and was sent to " claims '' and the property was considered real estate owned. Each time I call I am told the file is in claims, and they are just waiting for their lawyers to send us a release letter. But the Customer service reps assure me they will send an email to " escalate '' my file. When I request to speak to someone in claims I am told they do not take outside calls. I have also attempted to email the resolution despite dept. but it bounced back. I have sent written correspondence and in XXXX of this year I had an attorneys office send a letter on our behalf. Selene 's response was they were awaiting clear title and they would have the DIL sent for recording. When I last contacted Selene Finance on XXXX/XXXX/XXXX a manager told me that the DIL was sent off to the attorneys for recording on XXXX/XXXX/XXXX. As I have been told this numerous times in the past by Selene reps I have little faith that they will rectify this situation any time soon. Their unwillingness to proceed in a timely manner or to even contact me with information or questions concerning the loan has caused much hardship and anguish in my living situation.
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (OK)

I contacted the CREDITOR requesting my original promissory note to validate the loan collection. I have received a copy of the promissory note from them which is counterfeit and does not prove they are the holder in due course and does n't bind me into paying them a dime. I requested that if they can not provide this validation of debt to take their marks off of my credit report to all XXXX credit agencies also to give me the title to my vehicle. They are still sending me letters requesting that I pay them for a loan that is not even validated.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. BANCORP (CA)

I 'm a former credit card holder with US Bank. I closed my account in XXXX XXXX when I moved out of California, but an unauthorized fraudulent charge was posted on the card in XXXX. Since US Bank had no forwarding address for me, they let the fraud charge stay on the account and added late fees on top of the charge. They finally tracked me down in XXXX XXXX with a notice to submit the charge to a collections agency. I called their Fraud department and opened an investigation into the charge. They finally resolved the dispute acknowledging that the charge and the associated late fees were not my responsibility. They closed the account with a zero balance. 

But my credit reports from all XXXX bureaus are still showing six months of late charges, completely trashing my credit score. I 've been calling US Bank card holder services, the Fraud department, the Collections department and their regular customer service and nobody is interested in helping me resolve the issue. Every time, I get transferred to XXXX or XXXX agents who finally hang up on me. This is the worst possible customer service ever possible and I have no recourse to fix these late-payment items that are not even my fault. I 'm hiring a credit repair agency to dispute these charges but I want others to know how bad this bank can treat you.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I have several repeated accounts in which show on my credit report for these student loans. I am a public service worker and tried to get into XXXX of the repayment programs, however a re presentative that I spoke with told me that I spoke with told me that my payments will be higher and this just needs to be paid. Meanwhile I know for a fact that XXXX of the schools I attended no longer exists. 
XXXX XXXX XXXX - XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I paid off my loan with sallie mae years ago and now they are putting negative information on my credit report. The loan was settle and paid off around XXXX but it still shows on my credit history as of XXXX/XXXX/XXXX
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX  XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These XXXX account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX XXXX : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact information. 
**Collection** XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine. 

I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately. 

Thank you in advance for your assistance in this matter.
Consumer complaint received 2021-09-01
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. (FL)

On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

My student loan was transferred to XXXX XXXX when the XXXX took it all over. I 've paid it the day after I received the statement. I pay more than the minimum which always makes me several months ahead on my due date ( see attachments ). I have a fixed rate of 3.75 ( see attachments ). I 've never been late, every year I pay down the premium by $ XXXX {$5000.00}. Yet, according to the XXXX form IRS form shows that I paid {$46.00} more in XXXX than I paid in XXXX even though the principal was on average {$4000.00} less that year. I always paid early, never late, more than the minimum, fixed 3.75 % and they took more fees in interest in XXXX than XXXX ( see attached ). I have all my receipts. I 've called at least a dozen times. I 've been left of hold for up to 40 minutes at a time, hung up on, disconnected and churned. The last time I spoke to XXXX XXXX Navient was in XXXX XXXX, the supervisor I spoke to said that she could see why I had paid more in XXXX. She said it had to do with " Algorithms. '' When I pressed her, she said that she would send it up stairs for review and someone would get back to me. Four months later, I 've heard from no one.
Consumer complaint received 2015-09-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NY)

Last week I received bill from collection agency TRANSWORLD SYSTEM INC. for {$67.00}. This is the amount that reminded after payment made by my insurance XXXX XXXX. As per XXXX letter that was sent to the provider 's billing office I am not responsible for any payment. I spoke numerous times with representatives from the provider 's billing office and XXXX representatives. During my last call to XXXX on XXXX/XXXX/15 I brought up my concern to their attention that this could be sent to a collection agency. I was told my case is urgent and will be escalated.
Consumer complaint received 2016-08-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (AE)

I am XXXX military member ( XXXX ) with the XXXX. Chase Auto Finance is refusing to pay on the GAP insurance/waiver coverage that I purchased at the time I signed the financing agreement. While stationed at XXXX I purchased a XXXX Cadillac ATS Premium and financed the vehicle with Chase Auto Finance. When I purchased the vehicle the original financing agreement included an option to purchase GAP insurance for an additional {$690.00}. The provider of the GAP insurance was " XXXX XXXX '' however I was also required to sign a GAP Waiver Addendum which stated that what was purchased was not insurance, but an agreement for Chase Auto Finance to Waive any deficiency in the event the vehicle was totaled. Chase Auto Finance agreed in writing for me to ship my vehicle to XXXX when I received military orders re-assigning me to XXXX. The letter explicitly authorized me to drive the vehicle here in XXXX while I am stationed overseas. The vehicle was totaled in an accident. Now Chase is refusing to honor the GAP insurance/waiver provisions because the loss occurred outside of the United States or XXXX. They are also refusing to release the lien on the vehicle so that the salvage value can be recovered and sent to the bank. I simply want Chase Bank to honor its commitment to cover the deficiency between the insurance payout and the remaining balance on the loan ( {$1300.00} if the salvage value of {$8000.00} is paid ).
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I deposited the sum of {$500.00} into my checking account in addition to {$89.00} available balance with Chase Bank Account. On XX/XX/2016, I used Chase debit card for the amount of {$220.00}. On XX/XX/2016, I used Chase Debit Card for the accumulated total amount of {$160.00}. My account available balance becomes {$580.00} minus $ XXXX= {$200.00}. On XX/XX/2016, I was denied access to take {$20.00} by Chase Bank on their false assertions that my checking account was in negative {$54.00} or {$55.00}. But Chase Bank employees told me that " Federal Reserve '' has a policy and that they are complying to " Federal Reserve '' Policy to denied me access to my money. As a result I was stranded on transit because I did not have sufficient funds to buy MTA Ticket to get me home. I suffered XXXX, XXXX, XXXX, XXXX due to deliberate public misrepresentation and frustration as I remained stranded without money for transportation to get home. I have Bank available balance in the amount of {$200.00} in my checking account with Chase Bank but Chase Bank denied me access to {$20.00} I needed to buy MTA Fare Ticket. I contacted " Federal Reserve '' on XX/XX/2016, and I was informed that Chase Bank did not follow " Federal Reserve '' rules and regulation ; and that Chase Bank may have lied to me by citing " Federal Reserve '' to cover-up to subjected me to disparity and discriminatory and retaliatory practices because I had filed complaint and opposition against discriminatory practices in the State of New York by bad policies enforced by Financial Houses, Hospitals, Schools, Colleges and Universities. I am requesting for adequate investigation and compensation for all the humiliation, retaliation, discriminatory disparity and disparage treatment, XXXX, and for wrongfully denied me my right to my properties and denied me immediate use of my money without reasonable basis in law and facts. I hereby seek for adequate investigation plus additional {$500000.00} compensation against chase Bank. I can be reach at : XXXXXXXXXXXX
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

I have a bank account with Chase and a bank account with XXXX Bank. 
In XXXX, I wrote check XXXX from my XXXX account to pay a guy, XXXX, for installing some ceiling fans. XXXX deposited the XXXX check into his Chase account. 
A month went by. Chase sent a letter to XXXX saying that my XXXX account as invalid and charged XXXX {$12.00}. XXXX did n't tell me till XXXX. I looked at the letter that Chase gave XXXX. [ Chase accused me of writing a fraudulent check! I am angry! ] Chase had added a digit to my XXXX account number. Chase was in error. 
XXXX went to Chase and explained the Chase error. Chase said they would clear it up within 10 days. Yet, it is now almost XXXX, and Chase still has not cashed that check. XXXX still does not have his {$250.00}. Chase is damaging my reputation!! 
My XXXX account is valid. On XXXX XXXX, 2016, to prove it, I wrote check XXXX from the same XXXX account and deposited it into my own Chase account. The check cleared in 2 days! This should have proved to Chase Bank that my XXXX account *IS* valid. 

I think Chase is discriminating against XXXX because XXXX is not XXXX.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OR)

I have been trying to modify my loan with Citimortgage for over 5 years. I have spent over {$35000.00} with attorneys and consultants. I have spent thousands of my own hours as well trying to work through their system. I have been lied to, I have had paperwork lost, I have had to cancel business trips in order to file court docs and most importantly, I 've had to explain to my kids how we could be forced to leave our home at any given moment. I have copied XXXX XXXX, the CEO of Citimortgage, on dozens of documents over the past year pleading for fair and reasonable treatment. She has provided no help. 
I need to have my foreclosure stopped and I need to sit down with someone with my bank statements and renegotiate my loan as they have done for so many others.