davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

My private loan accounts were initially owned by XXXX XXXX. XXXX XXXX and I reached an agreement to continuously pay {$200.00} a month to remove me from default to current. When speaking to XXXX XXXX a year later regarding my Education Loan, they stated it was being transferred to Navient. They also stated my private loan would be moved over as well. 
I then continuously paid Navient every month, and when my agreed years of payment was reached ( XX/XX/XXXX ) they contacted me with a settlement offer of XXXX. I could not make that the large payment and asked if I could keep the same {$200.00} payment. The Navient representative agreed and I gave my banking information. Approximately, 5 months later I received a second call from Navient inquiring if I would settle the account by paying {$17000.00}. I could not make the second payment and the representative stated they would keep doing the ACH deduction of {$200.00}. When viewing my private loan online I saw my status was considered late payments. When I spoke with the representative she stated the only way the status would change was if I made a lump sum payment to bring it current. I could not make the {$5000.00} payment, so she suggested I make larger payments to have more go to interest. 
I recently acquired my credit report from all XXXX agency and saw that Navient had me as a Charge Off. When viewing my credit score it shows my account status as derogatory and not paying. When I inquired via telephone why was this on my credit the representative stated this was the way they state default. We both went back and forth about the way their reporting there information and that they never notified me it was a charge off. 
On XX/XX/XXXX, did credit dispute with XXXX credit Bureau ( XXXX and XXXX ) and sending documentation to XXXX.
Consumer complaint received 2018-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

XX/XX/XXXX Penn Credit Corp/XXXX XXXX I paid {$290.00} in full to have the item removed from my credit report, as of today XX/XX/XXXX it's still there. I have spoken with numerous agents at the company, and I have also had XXXX XXXX, XXXX XXXX, and XXXX XXXX to assist, which I stop using them because I was spending money with no results.
Consumer complaint received 2015-08-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (NJ)

My wife and I recently purchased a mortgage loan from Sierra Pacific Mortgage Company who has since sold it on XXXX XXXX, 2015 to XXXX. We received a letter on XXXX XXXX stating that they purchased our loan and all payments should go to them. Problem is is that we already sent a payment to Sierra Pacific on XXXX XXXX, who was suppose to send our payment to XXXX. XXXX is aware of this but is showing a balance on our stubs for that payment and keeps call us about it even though we faxed them our check copy. XXXX has not received our money from Sierra Pacific and harasses us for the payment. Our payments are on every XXXX of the month so we would have to make the payment to Sierra because the letter from XXXX was dated the XXXX. XXXX also assumes that we are having trouble making the payments and one rep said we were " poor ''. My wife an I make enough money to cover our mortgage and do n't need to be belittled or harassed.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nelson and Kennard (CA)

I XXXX contacting you concerning an account XXXX have sold to this collection agency named Nelson and Kennard in XXXX CA Account # is XXXX and case # XXXX XXXX had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that XXXX was selling customers ' debt to collection agency as much as possible before the settlement. 
In XX/XX/XXXX/XX/XX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to XXXX. Eventually we had to use my XXXX/XXXX card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, XXXX FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. XXXX have sold this credit card debt to Nelson and Kennard before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious health issues I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I complained in writing to my loan servicer, Mr. Cooper, about an issue with excessive emails and their employee 's behavior on the telephone. 

The company responded to me with a letter, but the next day, I received a large, thick envelope from Mr. Cooper with the same letter that I received the previous day, but the rest of the documents belonged to another client of Mr. Cooper, who lives on the other side of the country. The documentation included Mr. Cooper 's letter to the client, including clients ' names, address, loan number ; deed of trust ; detail transaction history ( 8 pages, 147 separate transactions ) ; welcome letter dated XX/XX/XXXX ; statement dated XX/XX/XXXX ; and escrow analysis dated XX/XX/XXXX. 

I called Mr. Cooper to tell them what they did, but it was brushed off as an error. I believe they breached confidentiality of the other client. I would not want my financial information to be sent to random strangers.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I have signed up for college back in XX/XX/2012 my loan was supposed to be sent back because I had dropped my classes due to my mother died they said they would send my loan back to the sender and never did so im payXXXXfor a loan that i have never seen in my life i got to use my free grants so how do i have to pay back a loan i never recieved.. I 'm on XXXX I am XXXX I try everything to get my loan dismissed and they wo n't they keep harassing me I am in hardship for a loan I never got as I was scamed by the school I went to I dropped my classes way before the school had got a loan for me that I never needed I had free grants I went to school not even 3 weeks so this place is taking advantage of me advanced other people who have advanced XXXX or who is injured I want to file a lawsuit against them I been harassed for way to long it 's nothe rite they done this to me for XXXX dollars really that I never had gotten crazy if you askin me I think the school acjhould have to pay the money back the hey received it not me I am not going to pay back a debt I never seen in my life and also the school was closed down awhile ago is n't my loans supposed to drop because of this
Consumer complaint received 2016-10-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (MN)

Here is the complaint that I have submitted now 4 times.....We are on our XXXX bank because
our loan continues to get sold. the complaint is with Selene Financial. We were working
on a loan modification which would involve taking off the mortgage an ex wife and
adding XXXX onto the mortgage. It also involved reducing our mortgage to fair
market value. After months and months of paperwork and waiting we finally made a
deal and were told the ex wife would be removed,XXXX and XXXX would
be added and the mortgage reduced to $XXXX. This was XX/XX/2016. The
stipulation was we have to make 3 consecutive payments of $XXXX and after the 3rd
payment the new loan would take effect. We made our payments as instructed and the
day before the 3rd payment was due we were told our loan would be sold. When asking
if they can get the modification done first I was told (see attached) the the new loan
company would honor the agreement. That was the last I was able to communicate with
our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the
paperwork as there is no way we should have to do it all over again. We held up our
end of the bargain now Selene needed to follow through with theirs. I found it
interesting that they made the deal with us the same day the loan was sold even
though we were not notified it sold until XX/XX/XXXX....This actually been a two year
ordeal..the bank before Selene was horrifying as well and I had made a complaint to
you about them. They conveniently sold our loan to Selene before ever doing a loan
mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a
company to follow through with their promises. We called the new bank, XXXX
and they said they don't have everything and they still have the old mortgage and the
original names. Meaning nothing of the new deal that Selene promised us is in their
records. What I want is our loan Mod that Selene agreed to be in place ASAP with no
more paperwork' It should have just transferred over since we did what we were
supposed to do.The latest response from Selene was that we need to communicate
with the new mortgage company and that they "should" honor the agreement we had
with Selene. The problem is the new mortgage company has no paperwork on us, no
proof from Selene that this agreement was ever made. We need Selene to give the new
mortgage company (XXXX)  a detailed laetter describing the agteement we had with them which is 1. removing XXXX from the loan. 2. Adding XXXX and XXXX to the loan. 3. Reducing the mortgage to fair market value of $XXXX. We need this done immediately! This has gone on for MONTHS!!
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX my son, XXXX years old, was contacted by a person who identified themselves as a Chase bank employee ( where he banks ) and was able to get him to provide them with his banking information, sign in, account numbers, debit card number, social security number. They said there were issues with the account and needed to check XXXX  and have him XXXX XXXX, all funds would be returned. He did as they asked and they showed him on his account that the money was returned but right after they would recall the deposit. They also deposited money into his account and had him XXXX  it out. On all occasions they would remove their XXXX  information. The would transfer money from his savings to his checking and then XXXX  it out. They did all this by accessing his account by using the information he provided them. They also picked some charges on his account that were large ( he trains for XXXX  at a facility ) XXXX and XXXX and reversed them by filing a fraudulent claim. 
We filed a fraud claim with Chase bank and they provided a temporary credit of XXXX and sent a text saying they were sending a temporary credit of XXXX dollars, the XXXX was never received in my son 's account and when we called the bank said they are denying the claim because his information was used to access the account. No matter how much I tried to make them understand that he was a victim they kept saying it was him. An actual transaction was done on the last bit of money in my son 's account while I was in the parking lot of the bank. My son was in school and did not have access to his account. Just yesterday ( XX/XX/XXXX ) a debit of XXXX and XXXX was done on my son 's new account making the account overdrawn. I contacted XXXX and they said they took the other credit back and the XXXX was them re reversing the reversal ( I actually already paid that company in cash after it happened ). I asked why were we not notified and they said a letter was sent out, it was days ago and they didn't even allow time for the letter to arrive. I feel the original claim should be filed because this is fraud, they are calling it a scam but they are the same thing, someone depriving someone of their funds.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NC)

On XX/XX/XXXX, we traded in the XXXX XXXX XXXX for a XXXX XXXX XXXX at Capital XXXX of XXXX , XXXX. ( will be referred to as Capital for the remainder of this document ) Capital stated they would send payment in full to Kia Finance the next day. Because it was right before the holidays, we were aware there may be a delay in payment being received by Kia Finance but we ( my daughter and I ) would not be responsible for any additional payments to Kia.

I received a call from Kia Finance in XXXX stating my payment on the XXXX was 30 days late and I needed to make a payment immediately to bring my account current. I explained that the car was to be paid off in full by Capital and the payment may be late due to the holidays. Kia stated I will continue to get calls until they received payment. 
I then received a call from Capital stating there was an error in the paperwork sent to Kia Finance, so the check was returned ( which explained why Kia Finance stated my account was overdue ). Capital confirmed they corrected the error and sent the updated paperwork to Kia Finance. My daughter was communicating with Capital via text message to rectify the situation as well. It was our understanding Kia Finance received full payment soon thereafter. 
I received an alert from XXXX ( creditors ) stating my credit ( XXXX ) score dropped 85 points. When I reviewed my credit history, it stated the reason for the drop was Kia Finance. On XX/XX/XXXX Kia Finance lists my account is 30 days past due AND on XX/XX/XXXX, KIA Finance lists my loan is paid in full. Please confirm how my loan is in arrears and paid in full at the same time. When I called Kia Finance to get confirmation, the automated system stated that my account was paid off XX/XX/XXXX, because the check in the amount of {$28000.00} was received on XX/XX/XXXX. 
I also received a letter from Kia dated XX/XX/XXXX indicating the Kia is paid in full. ( attached )
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (MO)

This was started when I inquired to do a home-based business for {$99.00}, which was a joke. Then it lead to XXXX contacting us. XXXX said when we sign up with them, we would be getting calls from other people. We were slammed with a multitude of companies for several months and harassed to the point that we regretted signing up. XXXX told us that they would provide us with a successful XXXX business and a custom website. When in fact they have done nothing more than rip us off to the tune of {$13000.00}. 

XXXX XXXX and XXXX XXXX promised that we would receive the best training and support to have a successful online business. We participated in the " coaching '' and did everything we were told we needed to do and made little to no money through XXXX. 

When we got down to the " custom '' website instead of being built by your professionals and customized to our satisfaction as sold we found it was the complete opposite. We spent weeks trying to figure out the logistics on our own with little support doing most of the customizing on our own. By the time the site was built 8+ weeks later it was a complete disappointment given the time it took and effort required on our end. Had this been disclosed upfront we never would have paid them. The " marketing '' efforts done for my site as supplied by you were XXXX links and every XXXX link that we checked was bogus, e.g., blog was in XXXX, blogs made by non-existent people that used bad grammar, posts were found on blogs that had nothing to do with our business. When this was brought to their attention our site was moved from XXXX to XXXX and the $ XXXX month fee was dropped to $ XXXX.We could go on and on about the fact that they shared our information or a host of other issues but what it comes down to is that XXXX deceptively sold us a bogus online business opportunity and I am trying to dispute my charges made on my US Bank card since they did not provide the services that they made me believe that I paid for.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

My complaint stems from an experience with a  Cha  se consum er credit  card, t  he,   XXXX   XXXX   XXXX  , credit c ard and their deceptive marketing techniques and unexplained interest increases that resulted in usury.   I was a customer for more th an seven year s beginning in  XXXX . I never made a late payment, yet my variable interest rate more than trebled, without notice or explanation in a period of a month. The rate would remain at a usury level until I would close the account, of my own volition in  XXXX .   When I called,   XX/XX/XXXX ,  to inquire about the abrupt and unjustifiable rate increase. I was provided with unsatisfactory justifications and industry jargon in an attempt to placate.   I persisted, eventually speaking w ith a line manager w ho was able to, offer, a one-time interest reversal credit for a, loyal, customer, but purported to be unable to reverse the overall rate increase.   I remained unsatisfied and demanded a justification in writing for the rate increase ; none was forthcoming. I would call back a month later,   XX/XX/XXXX  , to request that the interest rate be returned to the original rate. The servicer refused and I was burdened by their usury until I was able to pay off the balance and close the consumer credit card, once and for all.
Consumer complaint received 2022-08-24
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. (MI)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 : And they violated my rights numerous times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.Accounts : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX bank
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial (VA)

On XX/XX/XXXX I placed an order with XXXX XXXXXXXX. I was ensured that all of our furniture would be delivered on the XXXX of XXXX. However my move-in date changed to XX/XX/XXXX so I called the company immediately and let them know. they ensured my furniture would be delivered on the newly scheduled date. ( This did not happen ) days go by and I reach out to Kings furniture ( I have been working with XXXX ( son ) & XXXX ( father/owner ). during my visit I was offered financing through snap financial. XXXX told me that I would make payment to snap once all my furniture had been delivered. he ensured they wouldnt take any money before that and that this was the only lender we would be utilizing. He did let me know about a few other finance companies but I expressed to him that this was my first time so I just wanted to utilize one lender at this time which was snap. Today is XX/XX/XXXX and I have yet to receive my furniture order. I also have a lending company contacting me by the name of : Koalafi stating that I have missed a payment with them? This is impossible as I assured the furniture salesman ( XXXX ) that I did NOT wish to use any other lender besides snap. I do not have my furniture order nor will I be paying Koalafi anything. I do NOT have any business with Koalafi. I will begin my payments with snap once my full order is delivered as this is what was ensured to me by XXXX and to what I agreed upon
Consumer complaint received 2018-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

I have requested proof of debt from collector for about 6 months. My last request was made XX/XX/XXXX. The hospital injured me and then tried to charge me to correct the problem, which they failed to do. They provided me no medical care on the dates in question XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The hospital in question is : XXXX XXXX hospital and XXXX XXXX XXXX