davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Please let me know the contact at Wells Fargo as I saw this headline The Consumer Financial Protection Bureau ( CFPB ) has ordered Wells Fargo to pay billions in fines and redress to mistreated consumers. Wells Fargo has agreed to a {$3.00} XXXX deal with regulators to settle charges that it took advantage of customers on their auto loans, mortgages and bank accounts. During the XXXX XXXX XXXX my ex-husband and I had a mortgage with Wells Fargo XXXX XXXX ). The mortgage interest rate with Wells Fargo was XXXX. Wells Fargo ' representative advised us to short sale our home in XX/XX/2012, because the house was under water or upside down. Wells Fargos said we only qualified for a short sale only. Wells Fargo did not offer any other options and when we tried to speak with Wells Fargo rep -- Wells Fargo told us the rep was no longer working at company. I was forced at XXXX XXXX XXXX to go and live with my sister and brother-in-law for 4 years. The house was sold for {$550000.00} then and is now worth almost {$1.00} XXXX. When we short sale our house my ex-husband and I got paid {$0.00} unlike the bank we profited from our pain and misery. I would like us to recuperate our loss even though we are divorced. Thank you for your help as always.
Consumer complaint received 2016-04-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

On Thursday XXXX XXXX, 2016 I tried to perform a transaction using my check from Suntrust Bank, my transaction was declined. I contacted Suntrust via telephone immediately to find out why and i was told my account had been closed, when I asked for the reason why, I was told it was per their upper management. I mentioned that I had not been contacted informing me of the closure, they said a letter had been mailed out the day before and that I would received the money from my account in 2 weeks. Today XXXX XXXX, 2016, I received a notification informing me that my account was over drafted by {$4.00}. I contacted them and explained that since I was given no warning about the impending closure of my account before it happened that it was something that did not clear until after they had closed my account and removed the money therefore I should not be responsible for it. I was told I still had to pay it or face an overdraft fee.
Consumer complaint received 2016-05-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

All of my student loans are showing late when they are in forbearance. 
This account is in forbearance it should not show past due 120 days it should show paid as agreed. 
ame : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

Each month I make my {$560.00} payment on time. I am never late. I have an automatic payment scheduled with my checking account. Every month when I receive my new statement from Fedloan Servicing. My " Principal Satisfied '' changes from very low amounts ( that do n't make any sense ) to what could be looked at as reasonable amounts. My concern is that I am being cheated on how much is credited to my principal each month/payment.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I received a phone call from someone named XXXX purporting to be from Chase Bank advising that they needed some information from me regarding my credit cards. I advised that I wasn't comfortable providing any information as she could not confirm that she was actually from Chase Bank. I advised that I would call Chase back and provide the requested information. She advised that this was for a credit review and that I could call them back and provide the necessary information for the review. Immediately upon getting off the call, I called Chase in order to provide the requested information. However, upon speaking with Chase, they advised that the review was already conducted and they decreased the limits on all of my credit cards with them by half. This negatively impacts my credit score, and I was not given an opportunity to provide additional information that could have affected the review. I was lied to and told that I could call back and provide additional information, and I did so within 30 seconds of the initial call from XXXX. 

They did this on XXXX cards : XXXX ; XXXX ; XXXX
Consumer complaint received 2016-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

This letter is a formal complaint that American Education Services ( AES ) is reporting inaccurate credit information. 

I am very distressed to find that AES has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, AES has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearances and deferements after XX/XX/XXXX. Since the late payments were posted to my credit report XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. 
I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both AES and the Office of the Ombudsman explaining that I have worked extremely hard to keep my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. 
During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK! 

Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt. 
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's. 
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt. 
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees. 
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ). 
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA )
Consumer complaint received 2015-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (CA)

I paid for a ( 1 ) year membership with the XXXX XXXX XXXX ( XXXX ). Part of the membership benefits was a " paid by XXXX '' ( 1 ) year subscription to XXXX XXXX XXXX XXXX ( XXXX ). I received the appropriate number of magazine issues ad then they stopped being shipped due to the XXXX membership not being renewed. Two months went by without any problems. In XXXX 2015, I received a collection notice from North Shore Agency ( NSA ) on behalf of XXXX to collect a debt of {$16.00} for the XXXX issues that I had received as part of my XXXX membership. At no point prior to receiving the collection notice was any kind of billing or invoice ever sent from either XXXX or the XXXX to me stating that I owed money ( being it would have been the XXXX 's bill, not mine ) for those magazines nor did I receive any correspondence asking if I wanted to assume the XXXX debt to XXXX by renewing the XXXX subscription. I emailed XXXX to inquire about this, direct them to contact NSA to repeal the collection, ensure my credit has not been negatively affected by this erroneous action and asked that they call me immediately. Two weeks passed before I received an emailed answer from XXXX which has been archived if you need to posses it ( dated XXXX XXXX, 2015 ). No phone call to me was ever placed. The XXXX email stated that they have absolved me of having to pay for any previous or current issues and if I had any other problems to contact them. The email did not address whether they had contacted NSA or conducted and action protecting my credit rating. On XXXX XXXX, 2015 I received a second collection notice from NSA that took a decidedly condescending tone ordering me to pay the {$16.00}. On that same day, I responded to the XXXX XXXX XXXX email explaining that I had received a second letter despite the release of charges by XXXX. I also stated that XXXX failed to do XXXX things : 1. Forward info to NSA and recall the collection ( assuming NSA was n't just ignoring the notification and 2. the failed to call me in a timely fashion to prevent this from being exacerbated because of the time in between emails. I then advised by email both XXXX and NSA that if I did not have full resolution to include fixing my credit which took a XXXX point loss due to this problem in ( 5 ) business days which would have been XXXX XXXX, 2015 I would report both companies to the FTC and any other agency that is designed to ensure companies are in compliance with regulations.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Bureaus, Inc. (MD)

I had an XXXX rewards card back in XX/XX/XXXX for the amount of {$770.00}. Due to hardship I was not able to make payments and It was sent to collection. The Bureaus Inc took over the account and is using XXXX to collect the balance on the account. However, the original balance of {$770.00} went up to {$930.00}. I have been contacting XXXX since XX/XX/XXXX to find out why my balance increased by {$150.00} but they have failed to provide that information. XXXX rudely refers me back to The Bureaus Inc for any information on the account and state they CAN NOT provide any information on the account except for settlement offers. I have been in contact with the Bureaus Inc since XX/XX/XXXX by email and i was able to get the original XXXX card billing information but they FAIL to provide a statement or Bill demonstrating or explaining the charges being added to the original balance. I keep getting run around about why they can not provide a statement showing the {$150.00} extra charges and Im just being told that they are charges added without a clear explanation. I am willing to pay for the collection, but i am not willing to pay for unexplained charges that two agencies, The Bureaus Inc and credit XXXX, can not discuss openly with me. I think its frustrating and unfair that they keep giving me a number but FAIL to demonstrate how they get from {$770.00} to {$930.00}.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MD)

Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CT)

On XXXX/XXXX/2016 I contacted Chase Credit Card Online services by phone regarding my Chase Visa XXXX credit card. Every month I get an email from Chase that ONLY says " You have a bill due in 20 days. '' I asked Chase if I can get an email that states the balance due and the due date like the one provided by my XXXX and XXXX XXXX. Chase says that for security reasons they ca n't send me my balance and due date in an email. I pointed out again that XXXX and XXXX does it. I just want to easily learn what I owe and when I owe it without having to log on to my account from the safety of my home computer. By making this information more difficult to obtain, Chase makes it more likely that I will miss a payment.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (MA)

Tried to contact attorney on file, I even thought at XXXX point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (SD)

In XXXX 2016 I made a {$500.00} down payment to XXXX in XXXX colorado, to hold the item until I could travel there to complete the purchase. I gave them my Chase Credit card number over the phone to submit the down payment. That process apparently stimulated some sort of security alert with Chase and the payment was blocked. What ended up happening was several {$500.00} charges were made to the card. They made several attempts to run the card. I called Chase and ok 'd the {$500.00} for the down payment. I decided not to travel to complete the purchase and started the process of getting the charge reversed. It has been a very difficult time dealing with Chase on this matter. I thought the matter was resolved and closed the account and have no intention of doing business with them again. Last week they mailed me a notice they have charged my closed card account {$500.00} relative to the matter with XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

They are in violation of my rights I want this account deleted I have court documents proving this was dismissed in court of law it should have never been reported they did this without my consent witch is fraudulent on they behalf 1000 a violation it came off my other 2 reports but some how comes back again thats not accurate information on my credit so I want it deleted
Consumer complaint received 2017-02-28
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (MI)

I purchased a prepaid XXXX from Office Depot on XXXX/XXXX/XXXX. When going to use this card in XXXX I found that my balance was much lower than the {$200.00} I paid for this card. There were two transactions shown online on this card during the month of XXXX - one in XXXX and another in XXXX. These transactions were not performed or permitted by me. I called a number associated with US Bank, the company responsible for the card, to report fraudulent charges on my card. They told me that the card would be locked and to dispose of it and that I would need to start a claim process. I was told to fax certain information, which I did. In XXXX I received a form via mail to complete which I promptly did. As of writing this it is XXXX/XXXX/XXXX and I still have not received a new card. It has been over 4 months since I reported my card information stolen and over 3 months since I filed the form I was sent.
Consumer complaint received 2015-06-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

After I asked if I could make a smaller payment day of call and set up automatic payments each month the person on the phone said no they wo n't accept it and that they can serve my husband with a lawsuit even though he 's not on the debt because we live in California they are allowed to do that and also place a lien on my house even if the house is in my husbands name. The person said if I do n't pay the full amount that they will have to choose to take that action and sue my husband for the debt. I was told repeatedly they will do that and are able to because of the state I live in.
Consumer complaint received 2017-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (DC)

In short, our Title Company and original Mortgage Company both paid our real property tax for the second half of XX/XX/XXXX (due on XX/XX/XXXX)- paying double for our 2nd half property taxes and depleting our escrow account.  Additionally the original property tax amount that was supposed to be withheld was based on a XX/XX/XXXX DC appraisal rate (not our new development home), so there was additional property taxes needed to be paid.  The Loan was transferred to LoanCareXXXX in late XX/XX/XXXX, and they immediately decreased our loan amount by XXXX a month.  I called and asked them why they decreased it and was told "to not worry about it as its normal".  I explained that I couldn't imagine how that could be with the improper property tax amount, and asked them to look into it.  They never did.

 Come XX/XX/XXXX, and our loan payment increased XXXX dollars.  Upon calling LoanCareXXXX, they said that it will continue that increase for all of XX/XX/XXXX, explaining that my escrow account was depleted and required a certain amount at the beginning of each year  to meet escrow, PMI and DC property taxes.  I discussed with the original mortgage company and title company and they identified the issue that the Title company inadvertently paid the taxes twice- emptying our escrow account (which shows up on public record for the DC government).  All XXXX of us (Original Mortgager, Title Company and Myself) called LoanCareXXXX to explain  the situation and ask for an adjustment given enough was paid for the XX/XX/XXXX 1st Half DC property taxes due on XX/XX/XXXX.  LoanCareXXXX said that "they do not look at the DC government tax website when calculating these rates and will not do so" and that their "property tax department doesn't talk to the escrow department".  We explained though that without checking with the government on how much taxes are owed for XX/XX/XXXX 1st half, they would be paying an unnecessary surplus...and withholding an unneeded amount in our monthly payments.  The agent got frustrated and told us to send the tax information to LoanCare.  I did so on XX/XX/XXXX both via email and their online email system.  At this point, the payments listed have not changed, DC government says they cannot return any property tax payment, and LoanCareXXXX has not contacted me back about how they are going to make the proper adjustment.

In short, we just want to pay what we actually owe and have our loan service due their legally required due diligence in serving our loan.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Soon after making my payment to this company, I received multiple daily calls to my landline and cellphone asking to contact them. Upon my contact, it was discovered that I was erroneously assessed a late fee on the account. The representative was neither apologetic or very willing to remove the fee and was insisting I pay three times the amount of my payment due. I advised her that I would not be paying for a late fee I did not owe nor was it in my budget to pay the amount fee she asked. Then she said that it would be able to pay {$27.00} for the next month. Soon after I made this month 's payment, I started receiving calls again so I contacted them again. The late fee still had not been reversed and they were still expecting me to pay 3x the payment amount. The rep was apologetic but did nothing to speed up the reversal of the late fee. I told him that I was being harassed by the company and did not want to receive and further calls. I was able to block them on my cell phone though they still have continued to call my landline. Their customer service is non existent and their business is run unethically. I would like all late fees reversed and the balance to be correctly adjusted. In addition, would like a letter of apology for the unnecessary harassment and afterwards would appreciate their ceasing any further communications with me. I am absolutely appalled at the treatment I have received from this company despite my long time business and excellent credit history.