davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (GA)

My federal student loans were discharged due to XXXX. My application was submitted to department of education in XXXX of XXXX but not processed/approved until XXXX XXXX XXXX. I just became aware today XXXX XXXX XXXX that Nelnet said I did not respond to their request for information during the 3 year monitoring period so they reinstated my loans ( in XXXX ) and they are now in default. I have been continuously receiving XXXX benefits without interruption. I never recived the notifications from NELNET and I was understanding they had access to my XXXX benefit income. I never had income anywhere close to the federal poverty level. My health has declined more. They had my email but I have never received any notification of the loans being reinstated.I have been so ill I have not been doing anything and have help taking care of me. 
Nelnet are now saying I have to go the the whole process again? but they can verify through SSA records that I have continued to be XXXX without interruption. This period far exceeds the 5-7 years they are wanting to see a form XXXX? 
I absolutely was not notified of this action. 
Due to my long standing XXXX and my XXXX being in effect continuously for a period far exceeding 5 years I am requesting they reinstate my XXXX discharge effective as it was originally ( or effective XXXX XXXX when my Dr certified me. I wish for them to remove derogatory reporting of default loans. I was permanently XXXX be the SSA prior to that. The department of education/nelnet is now supposed to contact persons who are showing as TPD to notify them of their right for relief. Even though my loans have been reinstated and put in default I have not been contacted.I had no idea. Many other also have experienced a similar situation and not been notified. 
I never imagined there was a problem because I knew the dept of education was able to see my SSA information and my XXXX and I have continued in permanent disabilty prior to and since the XXXX application with no interruption and I have not exceeded the federal poverty level.
Consumer complaint received 2016-05-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (OR)

I have a car loan with Mazda Capital Services ( serviced by Chase ). My minimum monthly payment is {$290.00}. I have paid, from the beginning of the loan on, {$300.00} each month, with the expectation that the {$9.00} paid over the minimum monthly payment amount be applied towards principal on the loan, reducing the principal for the remainder of the loan, and in effect also reducing the interest for the remainder of the loan. 
Upon reviewing a monthly statement from Chase, I came to the realization that Chase has been applying the monthly payment overage to the following payment by default. 
I contacted Chase on XXXX/XXXX/2016 at XXXX XXXX XXXX, and spoke with a representative by the name of XXXX XXXX I explained to XXXX that applying payment overage to the next monthly payment coming due is not in the best interests of the consumer, as it effectively cheats them out of the reduction of principal and in effect, reduction of interest the consumer would see for the rest of loan. 
I asked XXXX to reapply my payments retroactively so that the overage from the first payment made on the loan on has any amount paid over the minimum monthly payment amount applied to principal, in effect reducing the interest paid from date the payment was made on, due to the reduction in principal that occurred on the date the payment was made. 
XXXX stated she could only reapply the amount paid towards the next payment currently coming due to principal. 
I explained to XXXX how doing that would reduce the principal as of today, and in effect reduce the interest paid on future payments from today on, but would, whether intentional or not, effectively cheat me out of the reduction in principal and interest I would have seen had the monthly payment overages been applied retroactively from the first payment made on the loan on, as I had requested. 
I insisted XXXX honor my request and have the payments reapplied as I requested, retroactively, and asked to speak with a supervisor. XXXX advised me that she would have a supervisor contact me in 24 hours. 
I explained how I feel that a business open for business should have a supervisor available when I call in, stated I am willing to wait on the line to speak with XXXX, and that is unacceptable to have XXXX call me back in 24 hours. 
I work XXXX jobs during the week, and called on a weekend because this is when I have the time available, and see the call back as a way to prevent me from following up and resolving this issue. 
Ultimately, XXXX agreed that her only option would be to have a supervisor call me back in 24 hours, so I am unable to wait on the line to speak with a supervisor to resolve this today, not due to my own decision, but rather due to Chase 's choice in how they do business.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (DC)

This is a follow-up to Case XXXX. Chase Bank cancelled the account at issue there and issued us new cards with a new number. However they are now interrogating merchants who received payment before the old card was cancelled.I have received calls from my dentist, pottery studio, exercise studio, and beauty salon all informing me that Visa has asked them for numerous documents and charge slips from payments which I made. The beauty salon said Visa told them that I had challenged a charge. That is not true. At no time were we ( my husband and me ) contacted about any of this. When I called Visa they said the cancelled card was being investigated for fraud and someone would call me back within 48 hours. I received no call. The person who we previously spoke to at Chase assured us that this was their mistake, could offer no explanation as to why the merchants I deal with are being harassed, and said there was nothing he could do about the situation.I am quite upset that people I do business with are being harassed over my account, particularly because there is no fraud involved here, rather, as explained in the previous complaint, the cancellation was due to Chase mistakenly cancelling our card allegedly because someone with the same name as my husband asked that it be cancelled - anexplanation which we find dubious.
Consumer complaint received 2015-05-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase credit card specifically in order to use it for the no balance transfer fee and no interest on transfer balance for 18 months. I was accepted and instructed Chase with all pertinent information to pay off my old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visa account. Chase claims they have done this but the XXXX has informed me after repeated inquiries by telephone that they have no record of this transaction. Repeated requests for action from Chase via telephone and their online messaging system have gotten me a promise that I will receive a letter in the XXXX mail in 30 days with an answer to my request. This is unacceptable. Chase made a mistake and is not proactively fixing their error while I am, in good faith, currently paying off XXXX credit card debts.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

Requesting payoff balances from JP Morgan Chase on a XXXX Mortgage and a XXXX Mortgage. The loans are residential and not a short sale. The Home is part of an Estate Chase will not provide the payoff balances to escrow. Our Attorney who handled the estate faxed to Chase the death Certificate and the superior court letter appointing the executor of the estate. Chase said have her call she called they would not talk to her without the same paperwork. ( Death Certificate and Court Letter appointing the Executor ). Faxed a second time got a file or ticket number. Executor called again they said they did not have the documents again refused to talk with her again and requested the documents again. Escrow and the Estate Attorney and the real estate broker faxed the documents again and got ticket numbers. Executor has been calling and escrow has been requesting the payoffs for over a week and still no payoffs have been provided..
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2016, I received a letter of denial from XXXX XXXX, OH, credit card application department ( REF : XXXX ) and the reason was due to " unable to verify identity information '' The application was made on XXXX XXXX, 2016, online. I never applied for this credit card. 

Thank you. XXXX XXXX XXXX
Consumer complaint received 2016-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (TX)

My wife and I took out approximately {$24000.00} each in federal student loans, for a total {$48000.00}. We got married before either of us graduated from collage, but after graduation it was recommended that we consolidate our loans into XXXX. When we had originally taken out the loans, we were mislead ( lied to ) with regards to the interest rates, processing fees and repayment schedule. We had the original agreements, however our loans have been sold so many times that for a while we were not sure who was servicing our loans. Currently, Great Lakes is the company servicing our loans. As I mentioned, we borrowed approximately {$48000.00}, Great lakes claims that we owe a little over {$130000.00} and expect a payment of {$96000.00} now and {$8400.00} a month for an undisclosed amount of time. We have attempted to set a reasonable payment arrangement multiple times. We speak to an agent, negotiate terms that we can afford, the agent says that they will send the paper work. We fill out and return the forms and when we follow up on the status we would hear the same thing. " We are sorry, but that agent was not authorized to make that type of arrangement and is no longer with the company ''. We have been through this scenario no less than 20 times and our loans continue to get higher and higher. We are actually being charged interest on our interest. Instead of 8 %, we are being charged more like 75 %. And there is no limit to how much this balance can grow, even to the point that we can not service the interest.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

Requesting for assistance again with Equifax Credit Bureau. The same situation keeps happening when I try to request for my free Annual Credit Report with Equifax. The verification questions that are being asked does not pertain to me at all and Equifax is allowing Creditors to place inaccurate information on my credit file ... which is preventing me from disputing. I never have these issues with the other XXXX Credit Bureau ... XXXX or XXXX. Only Equifax. Would you please assist me in obtaining my credit report from Equifax. There is no current credit freeze on my credit report. I needs to dispute inaccurate information that is being filed by companies that I do not owe and are currently sending my information to collection companies for no apparent reason.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

An old XXXX account for {$85.00} keeps appearing on my Equifax and other credit reports. I have it removed from XXXX report only to see it re-appear under a different debt collection agency. Previously, it was XXXX. Now, it is XXXX XXXX XXXX. I disputed this account with Equifax and the said it was valid. It is absolutely not valid and they will not take further action. I want this XXXX account to go away forever.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is ( XXXX ) XXXX and all those other numbers, either do not belong to me, or are outdated.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I have constantly disputed items on my report as not mine and they constantly say they are, I 've submitted multiple documents, now on the latest dispute they placed a fraud alert that I did not request and mailed me XXXX letters from equifax, XXXX for me at the correct name and another in a similar name but different middle initial, they are merging my credit with someone else 's and refuse to do anything
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am a paying customer for Equifax to their Product to actively monitor my credit report. I was recently trying to refinance in mortgage and cleaning my credit to proceed for refinance. 
On XX/XX/2017 I was able to pull up my credit report, My car leasing account just closed and my credit Fico score when from XXXX to XXXX that day. I pulled up my Equifax Credit report on XX/XX/2017 ... this time ... I had no credit report. All of my creditor and balances showed Zero on everything. I complainted to Equifax rep. who change to membership from Premuim membership of {$19.00} monthly to this other product for XXXX per month. I tried to pull up my Equifax credit report ... still the same ... .no Credit Report history ... like i was erased from the system. I called back to Equifax to file a dispute and was told it would take 30 days to fix the problem. They did acknowledged my credit file was uploaded to a bad file ... or was deleted. I told them ... what if I needed to apply for credit? or refinance my mortgage ... I am on hold because they messed up with my credit report file. She apologized and said there was nothing they can do ... .it will take 30 days to fix their mistake. I am so angry with Equifax ... ... I again pulled up to see if anything had taken placed to fix my missing credit report. Still today XX/XX/2017 ... nothing. I have no Credit report on file with Equifax. I am documentating everything in case I contact a lawyer to file a lawsuit. I think this is so unfar ... that a Credit Agency can hold your Credit Report against you ... removing from their database or deleting it. I still do n't know what happened ... and still in Limbo with Equifax.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CO)

Accessed XXXX & filled out form. Selected Equifax for my credit report ( last requested an Equifax report in XXXX of 2014 ). Equifax site stated I had to request by credit report by mail. I did a bit of research and it appears this is because I placed a freeze on my credit reports after the Target & XXXX card number thefts. Can Equifax limit access to by credit report to a mail request vs on-line?
Consumer complaint received 2016-09-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My name is. I am writing in regards to the problem I have been experiencing with Seterus, which owns my mortgage. My account loan number is. I moved out of my home on XXXX XXXX, XXXX due to a pending divorce. I returned to the house in XXXX of XXXX to resume residency as my ex wife had moved out. My ex wife did not pay the XXXX or XXXX XXXX mortgage, so I paid the mortgage for XXXX XXXX prior to moving into the house XXXX XXXX, XXXX. I received the statement that said the amount owed was approximately {$10000.00} at the time I moved back in which included the present month 's mortgage, which was {$21.00} .... I made XXXX payments in XXXX and XXXX in XXXX of XXXX to catch up the XXXX missed payments. Although I caught up, they continued to tell me and list that I was behind XXXX more payments. 

I had repeatedly asked the same questions to numerous people on the phone at Seterus and requested paperwork to explain what the remaining balance was after making double payments. I had been quoted various balances over the phone and on paperwork, but no one could tell me what the detailed balance was. I have been told in the past that the balance stemmed from missed payments. I again requested statements from as far back to when Seterus first had the account, but could not find any late payments on record, yet I was paying late charges and my credit rating stated the mortgage was delinquent. I went back and forth with Seterus throughout XXXX to find the missing payments with no accurate statements to show missing payments. However, in the meantime, I was still and currently am paying late charges each month continually since XXXX XXXX. 

I received a letter from Seterus on XXXX XXXX, XXXX after requesting information on the balance again around the middle of XXXX XXXX. The letter I received on XXXX XXXX, XXXX informed me that the balance owed was {$3200.00} ( {$2700.00} was interest and {$490.00} for Property Inspection Costs that I know nothing about. ). There was no mention of the {$4300.00} listed as late payments that was listed on the monthly statement. The paperwork that I have been receiving has conflicting balances of what I owe and why I owe it. They still have not cleared up any late or missed payments. Their records are unclear, newly created and conflicting. I still have no record from them showing missed payments, yet my credit is listed as delinquent and they continue to charge me late fees. In addition, the clerks on the phone are uninformed and no past record or notes are available to them from my many phone conversations and paperwork I had sent to them. I have to continually restate my grievances and request information on why the account is delinquent. Now I have a letter with new bizarre charges. Please help me clear up this mess with Seterus. I have exhausted all my avenues without a successful solution. 

Thank you,
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Equifax is reporting ONLY negative accounts twice in XXXX XXXX XXXX ) different parts of my credit report for the following accounts : ( 1 ) XXXX ( see attached ) ACCOUNTS Tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 2 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 3 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 4 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled on top of page ) ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is ONLY XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 5 ) XXXX XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 6 ) XXXX XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ). 
XXXX XXXX XXXX XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 7 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) / CLOSED ACCOUNTS ( circled ) ( 8 ) XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) These are XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX negative reports are being report. 
XXXX XXXX XXXX XXXX negative reports should be reported.
Consumer complaint received 2015-07-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (LA)

I reporting reporting illegal actions by my mortgage company or service center ( Seterus ). Today is the XX/XX/2015 i paid my mortgage on XX/XX/2015 .My comfirmation # XXXX. My loan number is XXXX. I went to my property on XX/XX/2015 which was a thursday and saw my lawn was cut. I check with my gardener and he admitted that he was coming tomorrow to cut the grass and edge. The problem is that i am not XXXX late or nor am i in foreclosure. My mortgage is current and thought i was late on my paymentit was still done within the month it was due. This does not necessate ( Seterus ) to dictate and have people come on my property and due grass cutting or anything of that nature. The property is not abandon it is under renovation. There is current activity in and out of the building due to repairs an renovation activity. There is no reason for them tpo send someone to my property to grass my grass. I have a gardener to come twice a week to take care of that job. They have no right to do this without justification .The house and its maintance is being care for by me .They have done this before and try to bill me for the service. The point is the grass was not that high to were it did n't show someone was tending to the lawn care and general needs of the property. They need to be notify to cease and desist activity .If they come with applying this to my mortgage this would not be fair and a violation my home owner rights. I appeal to you for assistance to this matter, because i do n't think they do such antics to a home owner that is keeping up with he mortgage payments. Also a reminder to house is not in foreclosure are behind in the mortgage. Will you be able to help stop them doing such activity.