davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (TN)

I was billed an enormous amount from XXXX XXXX XXXX. I received the first statement XXXX XXXX, XXXX. I sent them a letter on XXXX XXXX, XXXX explaining the exorbitant charges which were not in line AT ALL with what should have been charged. I did not receive a response until XXXX XXXX, XXXX from XXXX stating that the charges were billed appropriately XXXX XXXX XXXX. I then received a letter on XXXX XXXX, XXXX stating that the account was reviewed and that I still owed the {$1100.00}. I sent payment of {$160.00} on XXXX XXXX, XXXX. Since that time I have received XXXX communication from ANYONE about the balance. I just, today XXXX XXXX, XXXX, received an alert that my credit score dropped XXXX POINTS! When I checked my credit report from XXXX, I saw that I had an outstanding collections from a company I had never heard of in the amount of {$1000.00}. I called this company and they stated they sent communication on XXXX XXXX - WHICH WAS NOT SENT! I took care of the debt today, but this should NOT be on my credit report or negatively affect me as I had NO knowledge that this was even an issue or should have been collected once I did not receive ANY communication after a payment was made.
Consumer complaint received 2015-03-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: PLS GROUP, INC (TX)

I initially sent a cease and desisit request to XXXX and at this point am unsure if they received it. Received a call today for XXXX and called back and a XXXX XXXX picked up. Wanted to know why I was callling I advised her to advise them to cease and desist. XXXX XXXX then transferred me to XXXX. XXXX verified last XXXX of my social security number and I then asked me why I was calling. I advised her that I wanted to them to cease and desist any calls to me. XXXX then stated that they could only cease and desist if they were calling my POE ( place of employment ). She inquired on whether I was filing bankruptcy, I told her " no '' as I previously informed them that I was filing XXXX XXXX. I am tired of dealing with this company. Clearly the afent is unaware of a cease and desist as she asked me what I meant. Their collection tactics are tacky.
Consumer complaint received 2016-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (AL)

I received a collection notice in the mail from Capio Partners dated XXXX/XXXX/XXXX. The amount was {$1000.00} from XXXX XXXX XXXX with a date of service XXXX/XXXX/XXXX. I called the collection agency and spoke to a representative. She stated that XXXX XXXX XXXX had attempted to contact me since then and the mail correspondences had been returned. Also no insurance had been filed. The service was for my daughter. I stated that it must be an error. I had been receiving medical treatment for XXXX during that time period therefore the should have had my correct address and insurance information on file. This is an error made by the hospital. Also, with my insurance ( XXXX ) the bill would have been {$150.00}. Why was it not filed? Why did they not contact me by phone? Now if filed, my insurance will not pay since it the service date was over 2 years ago. I feel that XXXX XXXX XXXX should correct this issue. This should not be placed on my credit report. I had no knowledge of this issue and did not have an opportunity to address it prior to being placed with a collection agency.
Consumer complaint received 2017-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

VICTIM OF IDENTITY THEFT AND THIS HAS BEEN ON MY REPORTS.I HAVE NO KNOWLEDGE OF THIS ACCOUNT.PLEASE DELETE THIS DEPT THAT 'S IN MY NAME.I HAVE NOT HAD SERVICE WITH THIS COMPANY IN THE REPORTING TIME FRAME
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

I purchased a chair on XXXX/XXXX/15 for {$950.00} at XXXX XXXX in XXXX XXXX. I charged the amount to my Chase business card. Later I saw that the {$950.00} had been charged twice. I disputed the double charge and initially received a credit from Chase in XXXX. The merchant then submitted documentation to justify the XXXX charge which was a different person, in a different city for a purchase of {$11.00}. I responded to Chase and explained that the merchant had submitted incorrect information. Chase promised to continue the dispute. On XXXX/XXXX/2015 I was rebilled by Chase for the disputed amount of {$950.00}. I called the bank and was told the charge would be handled as a fraud case. I received a new credit card. Today ( XXXX/XXXX/2015 ) I saw online that the charge had not been removed from my account. I called Chase and was informed that the merchant hat verbally stated that the charge was part of an installment plan for a {$5000.00} purchase and the charge was seen as legitimate. As I do n't have an installment plan with this merchant and did n't make a purchase for {$5000.00} I asked the bank to continue to recover the false charge. I spoke with a supervisor who told me this case was closed and that Chase would not pursue the matter further. Previously, a Chase employee had told me " off the record '' that I should contact you to resolve this issue if the bank refuses to help me.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2016 at XXXX EST, I had contacted Chase over the phone ( XXXX ) in request to close my savings account. All went through well and I was informed as of XX/XX/2016 my savings account will be closed. Since I also have a linked checking account I requested that my checking account to be untouched and active. The customer specialist had assured me that there will be no changes to my checking account. But lo and behold, the next day, XX/XX/2016 I got an alert on my checking account that it had been overdrawn. I logged in my online bank to find a miscellaneous debit of my entire balance and a payment that I had scheduled as an overdrawn amount. I had contacted Chase over the phone once again on XX/XX/2016 XXXX EST, asking for answers to this outrageous matter. I was told from a customer specialist ( in the XXXX ) that due to a bank error my account had been closed and my balance had been debited. But I was also told that as soon as Chase figured out that it was a bank error they had reopened my account. I asked who authorized this account to be closed and reopened and have my balance drawn without my consent, which the specialist was n't able to answer. I asked to get my money back right away and the specialist said, it will take at least 24-48hours to get my balance back since the debited balance was scheduled to be mailed out to me. The specialist said she 'll order a stop payment to the check that was to be sent out to me and credit back my balance. Also, the specialist said all overdrawn charges will be credited back to my account instantly. I had bill payments scheduled to go out from my checking account so I was very anxious and checked my account as often as I can to no avail. I got fed up waiting so I visited a Chase branch ( XXXX XXXX, NJ ) on XX/XX/2016 at XXXX EST. One of the employees tried his best to investigate what went wrong with my account for an hour only to find out nothing was being done. There was no request to stop payment on the check to be mailed out to me nor the physical check itself had been mailed out yet. Also, the overdrawn charges had not been credited. After an hour, the bank employee found out from his supervisor that the check will be mailed out to me within next week and that there was n't anything else that can be done at this time.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (CA)

I have asked that my increased payment be applied to principle and was told my request must be in writing. So I put m request in writing. Nel net continues to apply to next payment instead of principle. I owe close to {$70000.00} I have XXXX children and pay ove 6 % interest. I have 20 more years and I am XXXX years old.
Consumer complaint received 2017-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

Regarding collection agency I requested proof from LJ Ross Associates to provide me with contractual proof that either they have a right to collect on behalf of the original debtor (  XXXX   XXXX   XXXX   )  or that they own the debt itself and I have gotten nothing from this company. In order to collect the debt, they have no license in the state of Michigan and is not bonded in the state of Michigan. I have looked in the state of Michigan licensing to verify if this company has a license and I could not find one. Do they have a right to collect or not?
Consumer complaint received 2016-10-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

1 This complaint is directed to XXXX XXXX XXXX JPMorgan Chase, to personally answer these questions. 
1. ( a ). I have a checking account with JPMorgan Chase account XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/16 I called Chase to dispute XXXX charges on my debit card under The Fair Credit Practice Act. 
XXXX. I talked to a claims person who refused to make a claim, she violated the XXXX by not opening a dispute on these XXXX charges to my account. 
4. On XX/XX/2016 this unqualified supervisor in Claims close my account because she said I had to many claims on my account. 
5. I would like a copy of the written policy on how many claims a customer can make on his account. 
6. All claims I have made on my account has been ruled in my favor by JPMorgan Chase. 
7. Please have Chase send me the written policy that if a customer makes a certain amount of claims, Chase can close there account. 
XXXX. JPMorgan has caused a injury to me bt closing my account with out a chance to respond to there allegation that I made XXXX many claims on my account. 
9. I am a XXXX senior citizen.
Consumer complaint received 2015-08-30
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (MD)

I 'm writing because I have an issue with Chase credit card. I recently transferred a balance from one of my high interest credit card to Chase for a low introductory 0 % rate. My goal is to set-up monthly payments so that I can pay-off the balance before the introductory period ends. However, Chase only gives the option to pay the minimum balance or payoff the balance. They do not give the option of inputting a set amount that I would like to pay on a monthly basis. The problem is the minimum balance is always " XXXX '' and I 'm clearly not in a position to totally pay off the balance ; which Chase is aware off because I would not have transferred the balance. 
I believe this is fraud, and clear intentions to not have the credit pay-off before the introductory rate being offer expires. 
Just to note, I have the option of a set amount for all of my other credit cards. This seems to be only a practice of Chase. 
Please advise.. 
Thank you for your time.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

This is not the first time that Wells Fargo has been irresponsible with the handling of my account, they did the same exact thing during my Mortgage Closure and did not bother to offer me a solution. Now, they are mishandling my Escrow payments and deducting more than required without my knowledge or consent! 

I finalized my Home Insurance for {$580.00} from XXXX XXXX and they agreed to bill my Mortgage company XXXX Wells Fargo ) for that. But when I reviewed my Escrow statements, I found that Wells Fargo has deducted {$600.00}, which is {$26.00} more than what is required. 

I tried contacting the bank via phone and their agent told me to route all enquiries regarding Escrow payments to " XXXX '', so that their Escrow team will review the information and get back to me. 

Now my concerns are : 1. Why did Wells Fargo charge my account more than what was required?

2. I sent the email on XXXX and has not got a response yet! 

Like I said, this is not the first time Wells Fargo has mishandled my account. They conveniently forgot to deduct the Broker Commision from my Final Closing amount, which was around {$10000.00}. When I asked about their apparent failure & responsibility they just said " sorry '' and corrected the issue. I don't think I will be granted the same privilege if I miss a mortgage payment.
Consumer complaint received 2016-09-26
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Deutsche Bank (FL)

We sold a property in XXXX and transferred the money to our account here in USA. The XXXX Bank sent out the money on XXXX XXXX, 2016 via Deutsche Bank, XXXX. XXXX XXXX XXXX got the money transfer on XXXX XXXX, 2016. The money could not be traced from Deutsche Bank XXXX to Deutsche Bank New York for more than 4 weeks. During this time we lost more than XXXX in the exchange rate XXXX/Dollar. Deutsche Bank is blocking any information on where the money was for this 4 weeks. The only proof we have is the outgoing wire copy from the XXXX Bank and the arrival at XXXX XXXX XXXX. We complaint in XXXX, but Deutsche Bank said we have to go back to the XXXX Bank. But from there we have the clear proof with all correct banking details for the money transfer.And the XXXX " XXXX Deutscher Banken in XXXX '' seems to protect the Deutsche Bank also, as they do no open a case since XXXX when we sent them all documents and proofs.
Consumer complaint received 2021-10-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2022-12-15
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. (NV)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$660.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

1. I have not been provided regular statements. The only statement I have received since getting my loan ( 13 years ) is the on I have attached. 
2. I have not been provided a tax statement in in the last 5 years which meant I could not claim student loan interest on my taxes. 
3. I was told my loan was not eligible for loan forgiveness because I have the wrong kind of loan. I have worked in social services since my graduation. 
4. In reviewing the statement that I finally received I do not understand their process for interest being charged. Interest should be going down with each payment but is all over the place, almost doubling at times. It looks like I am being over charged on a regular basis.
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I consolidated my student loans through the XXXX program in XXXX XXXX. My original loan amount was for {$12000.00} at XXXX % interest. At the time of consolidation, the loan was serviced by XXXX XXXX, which offered a 0.25 % reduction in the interest rate if the loan was paid by automatic deposit every month as well as a reduction of 1.00 % from the interest rate after 36 on-time payments. I took advantage of these benefits, lowering my interest rate to XXXX %. At some point, without my knowledge, the interest rate was raised again to 5.125 %. Unfortunately, I am unable to see older statements on either the XXXX XXXX or Navient websites, but did contact XXXX XXXX in XXXX XXXX to determine when the interest rate for my loan increased and why. Customer service representatives have been unable to tell me my interest rates at different points in time, nor have the statements for those time periods been accessible to me. I mailed XXXX XXXX a copy of the document describing the 1.00 % interest rate discount, but nothing was done to address my concerns.For the statements that are available, the interest rate has always been 5.125 %. It is frustrating that my student loans, as part of a federal program, are subject to arbitrary interest rate hikes without any notification or justification.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (TX)

I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. Wells Fargo, XXXX, XXXX  XXXX XXXX. I have even tried the lesser accounts that Wells Fargo offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I was XXXX XXXX XXXX XXXX when I received an email stating that my account was being transferred from XXXX XXXX to Navient. My interest rate went from 2.5 % to 7.4 %. When I called from XXXX to ask why they stated they now had control over the account and that was the new interest rate. I was horrified but unable to do much about it so to this day I still pay this enormous rate to pay off my XXXX Loans.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ME)

Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MS)

I have been attempting to get my XXXX processed since XX/XX/22. Mohela provides different excuses why my XXXX has not been processed each time I call or email. I qualify for complete loan forgiveness under pslf and they have done nothing since my loans were transferred in XX/XX/22 except provide multiple reasons and excuses why nothing has been done.
Consumer complaint received 2015-09-21
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc. (PA)

Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. 

How did she get my wife 's number. Never met my father. Just seems odd
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Despite multiple written requests, the unverified accounts listed below still reporting on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible to correct this accounts in my file : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My loans are in repayment. In XXXX 2016, I submitted a check for {$5000.00} to Navient to pay down the principle of my loan. I used the address on their website. The check was cashed, but never posted to my account. When I called, I was told that the check went to the XXXX XXXX XXXX XXXX and they were a separate department. I was then told that I would have to wait. I called two more times over two months only to be summarily dismissed. Finally, in XXXX, I spoke to someone very helpful in their XXXX XXXX XXXX XXXX section. She was very apologetic and informed that a request for a refund was never made, despite me turning all of the required documentation. She told me that the check should arrive in approximately 2 weeks. 4 weeks later, I am on hold with Navient again. Apparently, the check may or may not have been issued to me. Certainly, I will also receive interest from the months they have wrongfully held onto my money??