davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment, which Loancare wo n't look into, wo n't resolve and wo n't help me figure out the issue.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HOME FINANCING CENTER (FL)

Home Financing Center, XXXX XXXX, Florida, is requiring I have Hazard Insurance on my condo in XXXX, Florida. The condo homeowners association already has property, crime, and general liability insurance on this property. The property is not in a flood zone. I have provided this documentation to HFC. I have written several letters to them requesting information concerning why Hazard insurance is required on this property. The last letter was addressed to XXXX XXXX, President and CEO. HFC claims I have been notified on two occasions explaining the circumstances surrounding the need to have Hazard insurance. To date I have not received a response explaining why Hazard insurance is required on this property. I have owned the property for many years and the only thing that has changed is that the property was refinanced from a 30 year mortgage to a 40 year mortgage. HFC appears to have purchased Hazard insurance for this condo unnecessarily last year and this year at a total cost of over XXXX dollars.
Consumer complaint received 2016-01-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

Contacted Navient on XXXX loans that has a co-signer, I have been trying to pay them on my own because I am the borrower, the payments are too high they will not work with me and I have exhausted my forbearances ... .I do n't want to involve my co-signer because of a separation and the threat of being sued by the co-signer ... so I have tried to pay them on my own but the payments have increased and my pay has decreased ... .please help
Consumer complaint received 2015-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc (MI)

Recorded message that I am a " person of interest '' and that I or my legal representative must contact them immediately about a time sensitive matter. Internet search implies this phone number is from " Highpoint Asset '' as a debt collection company. This is a scam call and I am blocking this number.
Consumer complaint received 2017-01-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

Home mortgage in XXXX Georgia was financed thru XXXX XXXX XXXX. In the beginning of XXXX, 2016 XXXX XXXX XXXX notified me that my monthly payment was reduced by {$300.00} due to a reduction in the property tax escrow amount ... ..the escrow payment for taxes caused the payment to go from {$920.00} to {$620.00}. I also received a refund from XXXX XXXX XXXX for the excess money that was in the tax escrow account. Shortly after all of this XXXX XXXX XXXX sold the mortgage to Loan Care. I was notified of the transfer in XXXX. Their records did not reflect the reduction in the payment due to the property tax amount. I sent them the first payment in the lower amount with a copy of the XXXX XXXX XXXX letter regarding the reduced payments. A phone call prior to mailing the payment to a representative was not beneficial at all. They stated all the information was not downloaded into their system. They would get back to me in 7 to 10 days. No one from Loan Care has responded. However, I have received additional letters demanding full payment ( {$920.00} VS. {$620.00} ). I received a letter from them indicating my account is 2 months in arrears and I can face losing my home. 
I am enclosing a copy of a certified letter that I mailed to Loan Care last week. I have not had any response other than the letter demanding full payment for two months.
Consumer complaint received 2017-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

ISSUE 1 : XXXX XXXX, 2017 XXXX XXXX UTC -- XXXX LTC ( Litecoin ) was sold from my account for XXXX BTC with a fee of XXXX BTC. At that time the rate for BTC/LTC was about XXXX BTC/LTC. This is currently worth over {$10000.00} USD. ISSUE 2 : It has been nearly 1 week after this incident. I can not access ANY of my funds in XXXX since the above time. Furthermore, Coinbase is having a week-long " minor outage '' affecting everyone. ISSUE 3 : Customer service? There is none. They do not respond and I can not speak with a person.
Consumer complaint received 2017-02-22
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (LA)

Hey my name is XXXX XXXX, I just found out that I have an student loan in my name.I have n't even finish high school to get in college but I see you have to have an high school diploma to get in college.I went to XXXX XXXX High School in XXXX in XXXX but I droped out in XXXX.I let someone do my taxes one year and this is where it gotten me.Conserve took my income taxes from something I didnt knw anything about.My mothers name is XXXX XXXX XXXX /XXXX.I never stayed at XXXX XXXX my mother never stayed at XXXX XXXX.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

At approximately     XXXX   XXXX   on   XX/XX/XXXX  t wo unauthorized On Line Transfers occurred in the amount of {$500.00} each involving my son 's  Chase Savings  and Chase Bank 's College Account. Shortly thereafter an ATM withdrawal of {$500.00} took place @   XXXX   XXXX   XXXX    XXXX , Texas  XXXX . Due to the alert set up on the account both my son and his mother received a text notification of the activity. With an immediate phone call to each other it was determined the transactions were not done by either party and a call was then made to  Chase 's    Fraud department. A reversal and transfer back to his Savings  of {$500.00} took place that evening and the additional {$500.00} was transferred back to his Savings once it posted the next day    XX/XX/XXXX .   All appeared back to normal and a  Chase in vestigation began.     On   XX/XX/XXXX   a debit of {$500.00} was posted to my son 's  Chase College  Account due to a determination by Chase Bank that no inappropriate activity was discovered.     The problem with the  Chase 's  conclu sion involves my son 's location that evening which places him 5+ miles away ( 15 minute drive ) at the exact time the se transactions were done. He 's a  XXXX  at the University of  XXXX   XXXX  campus,  XXXX   XXXX   XXXX .  XXXX , Texas  XXXX  and he was at the campus library studying for upcoming finals the evening of   XX/XX/XXXX .  His mother, through the use of her " Find Friends '' I-Phone app verified his location immediately when they spoke at the time this matter occurred. The librarian can also verify his whereabouts due the sign in logs the university maintains for their internal records. Additionally his ATM card was in his possession at all times. No passwords and account information was shared with anyone along with that ATM location had never been used for any transaction at any time prior.      Chase 's claims a chip card was used, a password was inp  utted once and that ATM location had been used in the past. No other justification was given. I 've requested : 1 ) An IP address where the initial On Line Transfers ( 2x ) originated, 2 ) Video/Cam Photo of that ATM at the time the incident occurred. The fraud and escalation unit of Chase indicated I needed a court ordered subpoena for that information. In essence, my family needs to hire an attorney, pay court cost, miss work, miss school, provide witnesses to recover {$500.00} we never withdrew in the   first place.       Please HELP! I have encountered an attitude of arrogance and a " it 's not our problem '' attitude from Chase 's Fraud Division. It seems my request for proof is not of concern. Basically, I walk away with their conclusion ... " Your son took the money and he 's lying about it. '' I have been a client of Chase Bank for over 20+ years and I have never had an encounter such as this and additionally my son 's rearing, his character and morals makes me an advocate for his version of this situation.
Again Please Help!
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax recently reported a negative item on my credit report for XXXX. This item was discovered on XX/XX/XXXX. It is the credit reporting agency 's responsibility to ensure Reasonable procedures. Section 602 for the Fair Credit Reporting Act clearly outlines this responsibility It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. XXXX Agreed to remove any negative information from my credit reports. In turn, it appears that XXXX removed the negative information from XXXX and XXXX, however newly reported this item to Equifax. Equifax is a consumer reporting agency and in accordance with 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act credit reporting agencies have a responsibility is to report information the is 100 % Accurate 100 % Complete and 100 % Verifiable. If in fact Equifax were following these procedures, this information would have been verified with the company ; prior to placing this information on my credit report. This information was not verified ; because if it in fact was verified ; XXXX would have told them that they should not be reporting this negative tradeline. You have a responsibility as per section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] to treat Inaccurate or Unverifiable Information accordingly. I have outlined this below : Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Furthermore, if this item appeared on my credit report in the past ; the following steps were not taken to reinsert this item to my report. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I have attached a copy of the BBB complaint where the company agreed to remove any and all negative listings from my credit report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Brock & Scott, PLLC (NC)

On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX XXXX house in front of assistant clerk XXXX XXXX XXXX XXXX XXXX Clerk of Courts ... acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under fed.statue 1692a ( 3 ) and the creditor under fed.statue 1692a ( 4 ). The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The assistant state court clerk allowed a debt collector fed.statue 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. Clerk also advocated on behalf of the debt collector that the proper procedure for mortgage " acceleration '' was proper without " proof of delivery '' I was denied proper consumer protection in regards to FDCPA statues.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up citi checking account last XXXX for promotional sign up bonus. Basically I need to deposit $ XXXX new money within 30 days of opening the account. Within 90 days, {$400.00} sign up bonus should be posted in my checking account. However, it has been more than 4 months but the sign up bonus still has n't been posted. Contacted citi many times but it takes forever to give me an solution. NEVER TRUST CITI!
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I was in a XXXXin a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXX XXXX XXXXXXXX, XXXX am disputing it Because I dont know anything about it.
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

Contacted AR Resources to settle debt. Was told if I pay the {$2500.00} debt they would delete all accounts from my credit report. Called back to ask when they would be sending the letter to the credit bureaus, I was told that in order to get it deleted I would have to pay {$1300.00} after I just paid {$2500.00} on XXXX XXXX, 2017. Called back to get a itemized statement of all the medical collections on XXXX XXXX, 2017 and they told me I now owe {$1900.00}. There are XXXX accounts that I paid and they are giving me a different amount every time I call. I would just like to get these deleted from my credit report.
Consumer complaint received 2016-08-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Citifinancial has not giving me credit for XXXX XXXX payment ; check # XXXX It was sent XXXX XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX which shows that it was delivered by U.S Postal Service. It was sent along with check # XXXX which shows it was cashed by Citifinancial for XXXX, XXXX payment. Both payments were for the amount of {$550.00}. Also I included another check # XXXX for the amount of {$500.00} for partial payment of XXXX property taxes which has not been cashed by Citifinancial. There is also wrong information about the date a will finish paying my loan. I have not asked for a deferred payment plant since the beginning of my loan. Thus, I do not understand why Citifinancial is showing the last payment of my loan to be 6 month after the actual date it shows as the last date to be paid off. Also Citifinancial agreed to change the interest rate if I paid the first two years on time. Citifinancial did not honor the agreement. Enclosed documentations supporting my complaint.
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

I have old navy visa card exp. date XXXX used to pay bills with it.they stop the card without giving me a notice which gives me bad credit and they charge me a late fee.I did n't authorize to stop my card and I pay my bill in advance before I received.when I call customer service they told me they sorry.there a payment for XXXX paid on XXXX/XXXX/17 by XXXX XXXX bank they told they received they still asking for it.
Consumer complaint received 2017-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I wrote  XXXX ,  XXXX , and Experian in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd part y is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (AZ)

I have a loan ( XXXX mortgage ) on a XXXX home where I spend 4 months of the year plus weekends during the remaining 8 months with PNC Mortgage. This loan is a purchase money loan that I have had for almost 2 years, with no payment problems. However, when I asked PNC Mortgage whether I can transfer the title into my XXXX Trust ( a standard estate planning document ) they said no. They told me that if I go ahead and make this transfer they will declare the entire balance of the loan due.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I signed up fo r Automatic payme nt on my loans as soon as I could. Initially the payments were about {$330.00}, but then I paid of f one of   the loans so the monthly amt. due was {$270.00}.     I had been paying extra on my student loans for abo ut 2-3 years . I noticed first in   XX/XX/XXXX   that something did n't seem right when I signed into my account. It was stating that the due date for next payment was no t  XX/XX/XXXX , but  XX/XX/XXXX , and  XX/XX/XXXX  for most of them. ( screen shot attached ) I called Navient to f  igure ou t what was going on, but do n't believe I got a clear answer, but simply was told the system is just adjusting to my extra payments. I had called periodically because I kept seeing that my monthly payments were being split and not getting applied to the month it was due. I was constantly assured that it must have been a system error and it was all being applied correctly.   *They have to have phone call recording records of all my calls I was work ing   XXXX   jobs and kept making extra paym ents.     The next screen shot I took was from   XX/XX/XXXX , which  again stated that my due dates  were 3-6 mo nths out beyond the statement.   Then  a  XX/XX/XXXX  sc reen shows that my monthly payment was being applied in ha  lf. One for the month due, and one half for the following month.
I called Navient    :  XX/XX/XXXX  I was  told that all my extra payments were being applied to " future '' payments. Therefore, not going to my principle, and therefore not reducing my interest!!! The Navient rep stated that I was to Call In, or Send in a Money Order or Check with a LETTER stating I wanted the extra payments to go toward my principle I was VERY stern with the rep and told her I wanted ALL previous extra payments to be applied correctly and to my Principle.       XX/XX/XXXX  I h ave been monitoring and taking screenshots since and the results : my monthly automatic payment was applied incorrectly again, half being pai  d in  XX/XX/XXXX , and half in  XX/XX/XXXX .
 XX/XX/XXXX  Monthly payment split again! ( screen shot attached )  XX/XX/XXXX  I got an email summarizing my payment due  XX/XX/XXXX  w  as  XXXX  but the monthly that is suppose to AUTOMATICALLY be applied each month is {$270.00 }  XX/XX/XXXX  Same err or with due date  s 3-9 months in advance.
I do n't know what else to do. I am so frustrated and I know this is Wrong. I put myself through college and worked  XXXX  jobs to make extra payments. I know this is wrong. I know Navient applie  d all my extra payments to " future '' in order to keep racking up my interest.