BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX private student loans with chase - all from the same type of loan program. All of the loans have completely different interest rates and I feel that chase is choosing the loans with the highest balance and associating it with the highest interest rate. this is not a fair practice as I am actively and unsuccessfully able to make these loan payments. How can a XXXX $ loan bear interest of 10 % while a lower amount loan bears interest of 5.9 %. This is completely and utterly ridiculous and making it impossible to get out from under this debt. I am again, desperately asking for some type of loan modification to bring these loans to a status that myself and cosigner can successfully pay. This practice of charging extremely high interest rates to customers is a awful business practice and needs to be investigated. Chase has been willing to temporarily reduce my payments - when the payments return to the full amount there will be a XXXX % default on my end as it is IMPOSSIBLE to pay the amount asked. Again, I plea that we can come to some type of agreement to modify loan terms or some type of forgiveness because the direction we are headed is not goign to turn out well for either parties as I desperately want to pay these loans back. If anything these rates should be lowered and chase should be investigated for predatory practices as no one my age and with my salary would ever be able to pay these loans. The loans were given without school certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I mistakenly set up automatic payments through my XXXX XXXX XXXX checking account to pay a Barclays Frontier Airlines credit card while the card had a XXXX balance. This went on for a few months without me realizing. The over-paid amount that is owed back to me is {$9900.00}. 

I first contacted them in XXXX of XXXX. They told me two checks had been sent out ; one for {$5900.00} and one for {$4000.00}. I never received them, so they sent it to be investigated by another department in Barclays. They said give it up to 30 days for the issue to be resolved. 

Thirty days went by and still nothing. I have called several times in XXXX, XXXX, and now XXXX, and every time I get a vague reply saying it's still processing or it's in the mail or just give it 7-10 days, etc. On XX/XX/XXXX they sent me an email of a picture of the check for {$4000.00} as proof that they sent it back on XX/XX/XXXX. Then I spoke to someone on XX/XX/XXXX saying it's still processing. 

What I do know, is they are jerking me around and no one really knows what is going on with my money. Is there something you can do for me? 


Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loans serviced through Nelnet were granted a forbearance. On XXXX XXXX, XXXX, I received letters from Nelnet stating that my forbearance would be ending on XXXX XXXX, XXXX and my next payment due date would be XXXX XXXX, XXXX. On XXXX XXXX, XXXX, my personal bank account was debited for the monthly payments. According to the representative I spoke to on XXXX XXXX, XXXX, I should have cancelled my auto debit that had been set up when I first began paying my loans in XXXX. She agreed that my first payment was not due until XXXX/XXXX/XXXX, but said that if I had auto debit it would still attempt to deduct from my bank account prior to XXXX/XXXX/XXXX. During the entire year of my forbearance, it did not auto debit from my bank account and now suddenly it begins debiting before I am expecting a payment to be made. This is an unfair practice and causes confusion and hardship to the borrower. They can not simply debit your bank account when a payment is not due and then leave the borrower to deal with XXXX overdraft charges because they were not expecting a payment to draft ( as was my case ) or worse, the payment does go through but another bill, perhaps a mortgage payment, can not be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear XXXX, Acc # XXXX We are writing this letter to report XXXX. On XX/XX/XXXX, XXXX cancelled his account with XXXX to start with a different carrier. The XXXX plan was a family plan that included XXXX family member XXXX XXXX contacted XXXX to take over the plan from XXXX, this was to retain her phone numbers and any cell devices. XX/XX/XXXX, XXXX and XXXX contacted XXXX to ensure all changes were final and nothing else was required. XXXX confirmed all changes were made and all amounts have been paid. 

Late XXXX, XXXX received a debt collection notice from Convergent claiming an unpaid debt of {$570.00}. We have contacted XXXX and they have confirmed the debt is for an I-Phone XXXX that was purchased by XXXX. XXXX have stated despite confirming changes they made a " mistake '' and did not change payments over to XXXX XXXX account. 

This debt is damaging to my credit score ( XXXX XXXX ) and XXXX have declined to remove from collections and correct their mistake. 


Any help with this matter would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: Firstsource Business Process Services, LLC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received collection in my credit report. 
I have insurance with unitedhealthcare which covers 100 %. 
Before my visit they told me that the insurance will cover everything. 

After my visit to the hospital, I received the bill, I contacted the insurance many times, they did not want to fix the problem. They told me to wait. I was waiting. Then I received the collection in my account from the creditorCreditor Contact DetailsFIRSTSOURCE ADVANTAGE XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX AgencyFIRSTSOURCEamount $ XXXXCould you please let me know how to fix this issue? 

Thank youXXXX XXXX-mail XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
I mistakenly paid {$70.00} less than the statement balance on my Chase Freedom credit card -- ~ {$2200.00} rather than {$2200.00}. So, their tactic is that the ENTIRE balance is subject to the borrowing interest rate ( that is, the usual grace period is null and void for the credit card ) - not only for the previous statement period but for the following statement period until the payment is received. So, I had interest charges of approximately {$10.00} apiece for two consecutive months ( by which time the balance was completely paid ). Essentially, {$70.00} borrowed for 2 or 3 weeks resulted in {$20.00} interest charge which would amount to an effective annual interest rate of almost 400 %. I hope there could be some reform in the laws so that only the UNPAID portion of the credit debt could be subject to interest assessment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
XX/XX/XXXX, I took out a {$10000.00} PLUS loan ( serviced by Nelnet ) for my son 's college education at XXXX University in XXXX, WA. XX/XX/XXXX, just before beginning his XXXX year, XXXX. XXXX. Doctors have not determined whether he will be able to XXXX or return to complete his schooling. I called Nelnet to see if I it would be possible to for loan forbearance since XXXX may never complete his college education. They explained that if the loan had been in my his name they could have made arrangements, but since the loan is in my name ( for his benefit ), there were no forbearance programs for parents. My son 's medical bill are astronomical and I 'm trying to avoid declaring bankruptcy. Therefore, forbearance would be help my finances and leave more money to provide for my son 's daily care. I would like to know if I have other options besides beginning payments on my son 's student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Okay Experian billed me for a trial product that I could not cancel on line or o er tge phone. They make it difficult. Finally got through cancelled asked for refund. They would not refund after explaining I couldn't get through a d I said I would file a complaint for refund they agreed to cancel paid membership and gra t refund. In the interim my score was XXXX and in retaliation they removed a free product called Experian boost a d it decreased my score to XXXX. I had already had the free service Experian boost prior to the trial membership. Then when I tried to re boost the removed my bank so that I can't re oist. What company does this ut is a big disadvantage that these company can control our lives. I need my boost back tgetook 28 points and tears not even the points I received from the boost so they took additional points that had nothing to do with boists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I lived in an apartment XXXX XXXX. We were told our lease would not be renewed. We had a {$450.00} dollar deposit and when we checked out the leasing agent went through apartment and said she had never seen a cleaner apartment. When we moved in we did not get any new paint or anything as we were only on a 3 month lease. Our last month as the leasing agent XXXX told us that we would have the remainder of our deposit mailed to us which we only owed 9 days on rent. They put me in collections for over XXXX $ which we did not Owe! I tried to contact the apt manager and she would never call me back and just put me in collections on my credit bureau! They even put our water bill which is not affiliated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage Loan payments are not posted to my account. My account is paid up to date and I contineously receive notifications and harrassing phone calls. Correspondence reference my husband who was reported deceased. Veteran documentation was provided. Billing statements reflect PMI charges against my account. Recently received escrow overage. Check was sent with my deceased husband 's name. The check was canceled and a ticket was entered to reissue the check in my name. It has been over a month and the check has never been reissued. This type of treatment is unacceptable. I take extreme measures to make sure my monthly mortgage payments are provided and I get harassed with phone calls asking for my deceased husband. This issue was also reported to XXXX, because my husband was a XXXX XXXX with XXXX XXXX. I have made more than several attempts to get this matter resolved with Ditch LLC ; Loan Servicer and I continue to get told lies. My Loan still has my husband 's name reflecting on the bills. This treatment has caused undue XXXX, XXXX and agony. Please resolve this matter immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to complete a deed in lieu of foreclosure for over a year, Greentree servicing has been giving me the run around regarding the XXXX mortgage saying that I need to pay off the XXXX before we can proceed with the DIL. I told the rep that my XXXX mortgage was also with them ( Greentree ). The rep insisted that the XXXX mortgage was not with them even after I had told her that I received phone calls from them regarding the XXXX. This went on for months until finally I spoke to a rep who was able to find the XXXX. She said the XXXX mortgage was listed as ( closed ) which is the reason why they could n't locate it. So now I 'm talking to my account manager XXXX and she says she needs to get an override from her manager to proceed and I never heard back from her after numerous calls and the property is now in foreclosure, this is completely unacceptable and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I, XXXX XXXX XXXX, am a customer of Green Tree Servicing with account number XXXX. On XXXX XXXX, 2015, l summited the letter to request the Green Tree Servicing to initiate PMI automatic termination because of my outstanding payment history, currently on loan payments ; and my principle mortgage balance reached 77.9 % of the original value of the property. The Green Tree Servicing denied my request based on the principle balance is XXXX scheduled ( XXXX/XXXX/2015, not payment actually made XXXX to reach 78 % the original value

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a student loan with Navient. I had some XXXX loans in XX/XX/2010 which Navient took over. I consolidated the loans to help with lower payments. Navient said that one loan was XXXX but it was a private loan. and I could not consolidate it. It is in the amount of {$19000.00}. plus. I offered a down payment of XXXX if they could make the payment at {$100.00} a month. 
They want XXXX down payment. I am supporting my Grandmother who has been ill and out of work. The house went into foreclosure and I had to help save our home. I am just starting a full time job but I need some time to get caught up. I ca n't take out another loan as I ca n't afford another payment. Navient is threatening garnishment of my wages which I ca n't afford. They have hard to deal with always. They did n't tell me the other loans had been paid off when they were and they have n't explained what this private loan ( which is a XXXX loan ) is and they have locked me out of any internet interaction with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had a XXXX debt, they did not send me anything and did not call me, they called my son, told him the amount of the debt and the date of service. He told them to call me. And when i called back, they did have my phone number and address. They must have just got the debt, i assume because they did not try to contact me prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company Flagstar did not pay the correct amount of taxes for XX/XX/XXXX/XX/XX/2019 and now our city (XXXX XXXX, NJ) has sent us two letters, the first dated XXXX XXXX stating that our home will be sold in a tax sale if we do not pay the delinquent taxes by XX/XX/XXXX. We have been trying to correct this mistake with our mortgage company Flagstar since XX/XX/XXXX however they have not done anything to find out why this happened, who is responsible for the late fees and how we can get this paid so that we do not lose our house.  Every time we call them they tell us to resend the documents and that they don’t know why nothing has happened yet and that they don’t know when it will be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In a letter dated XXXX XXXX, 2015 Green Tree Servicing sent a letter to me stating the following : " ... we have started to take the necessary steps required by law to gain possession of the creditor 's collateral ''. The issue is this : As of the date of that letter ( XXXX XXXX 2015 ) the loan was only 8 days past due, they had a future payment on file for me for the month of XXXX 2015 and all of this was verified and confirmed with their customer service representative on XXXX XXXX, 2015. I find this overly threatening and an unnecessary aggressive collection tactic. I find this type of harassment unnecessary and worrisome and would like for some assistance with this matter to stop these threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ditech Financial LLC
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
after more than 7 years from the date of our delinquency on our XXXX mortgage and having no contact from any one attempting to collect the debt after we lost our home in a foreclosure in XXXX we suddenly have a company trying to collect the debt and they are the first company to report this debt on our credit report. We filed for bankruptcy in after our home was foreclosed on and the original creditor did not, to my knowledge, file a proof of claim- they just charged off the account since they could not collect on the sale proceeds at foreclosure They also are reporting that payments were made on the account in XXXX but our last payment before trying to negotiate a modification was in XXXX of XXXX and the home was sold at a foreclosure sale in XXXX. They may have bought the debt from some one in an attempt to collect but the statute of limitations has expired for legal action as well as the 7 year statute for reporting it on our credit report- some one has re-aged the debt by stating that there were payments made in XXXX but XXXX records show that the property was sold long before XXXX. Since our date of delinquency was in XXXX of XXXX should n't we have the right to have it removed from our credit reports .No reporting of this debt was ever on our credit report until XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian credit Bureau sent me a credit report having numerous errors in the reporting such as, wrong social security number, date of birth, an address I never lived at and many Creditors I 've never borrowed from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. 
XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) 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 promptly DELETE that item of of information from the file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation