davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, 2016, a criminal hacked my account and charged {$790.00} to my checking account. I immediately noticed that same day because it put my account in the negative and I got an alert stating that I was in the negative. So, I immediately called Chase Bank and made them aware of the fraudulent activity. They told me to stay calm and that they were going to open a claim for me and that everything was going to be fine. They credited back the {$790.00} to my account and told me they were going to investigate. I followed up with them the next day once I saw that they let the charge go through on my account. It was only pending the previous day and I did n't understand why they would n't red flag that transaction and reach out to XXXX right away, but they told me this was apart of the process so I just waited. I called back over the next to two months for updates and was told nothing. Every time I called they would tell me there was nothing in the notes, so they could n't tell me the status of the investigation. All of a sudden, tonight around XXXX on XXXX XXXX I get an email saying that they finished the investigation and the charges are correct and they 're taking back the money they credited back to my account. I do n't understand what happened here. Literally, they let someone steal almost {$800.00} out of my account and did n't even fully investigate because I never made those charges. It 's not even like me to make charges that big. Why could n't they just look up where the stuff was delivered to and catch whoever did this to me. I just got screwed by XXXX and my own bank. I do n't know what to do. Please help.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MI)

I contacted my current mortgage company about a refinance. I spoke with the agent for about 20 minutes. I was very forthright. I disclosed we had a 2nd mortgage and would like to roll it into the current. She said we would easily be able to refinance and lower our payment and interest rate. She took my credit card info and said there would be a {$13.00} fee to get us started. We ran into some issues with the 2nd mortgage, decided to just refinance that separately. Again, she said that would be perfect. We had the appraisal. The house according to their appraisal was lower than expected. Again-she said that would n't be a problem. We refinanced the 2nd mortgage through the other company. Sent to it to the mortgage company. Again-perfect. Then we were told that the interest went up and it was n't really worth it to refinance. Also, they had charged us {$600.00} ( appraisal and other fees ) Now we were told that would n't happen. That we would n't be charged unless we were approved, etc. I was hesitant to even do this as my husband was injured and has n't worked in over a year. I would never spend {$600.00} on a 'maybe ' as that is almost our entire mortgage payment.
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (PA)

XXXX 2016, terminated service with XXXX XXXX. A couple months later, received collections letter from Credit Collection Services about a debt. Called them to ask more information and for them to provide proof that I owed debt. They could not provide that information. They instead told me that I needed to prove that I didnt owe the debt. Contacted XXXX to get clarification. Was transferred numerous times and eventually disconnected. Called back to see if deposit money was every applied to account and if not, when will I receive it. Represenatives stated that they could not see back more than a year to see that information. 

Stopped my efforts to gain information. XXXX XXXX, collections account showed up on my XXXX credit report. I called XXXX directly and paid the past due amount while speaking to representative on phone while he ordered archived bills to check where the deposit money is. He stated to call back to have the account pulled from collections expedited. I also called and spoke to Collection Agency. They stated that they were not authorized to remove collection from my credit report. Only XXXX can do that. I found that questionable because XXXX did not report it, Credit Collection Services did. I also entered a dispute with XXXX. Called the collection agency and they verified that the account had a XXXX balance. XXXX is reporting paid in full. Spoke with the collection department at XXXX and she stated that she submitted the ticket to remove the account from collections and that my debt was paid. 

Collection accounts that are closed and returned to the original creditors are to be deleted from the XXXX reporting agencies, as these accounts are no longer in collection. 

This account has been paid to XXXX and I have receipts from XXXX proving that the accounts have been paid in full. 

Credit Collection Service verification of the accounts as a " Paid Collection '' is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies. 

FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information. 

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (IL)

I purchased a vehicle from XXXX in XXXX 2016 and I had a deferred down payment for {$800.00} and then I started making payments biweekly from day one. I noticed that my principal balance did n't change after the initial XXXX payments, I called XXXX and was told ( after talking to a few different individuals and different stories ) that the first XXXX payments were interest only payments and when I ask was this is writing, the lady told me, " it should be ''. I reviewed my loan paperwork and I did n't see anything even close to this notated in the contract. So at this point, I would like to see what I can do to resolve this issue or go after XXXX for False advertising.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Delinquent account — 
Company: BB&T CORPORATION (NC)

I wrote a letter to XXXX on XXXX/XXXX/2016 stating that I have no money to make payments on the credit card. I stated that I am now on a fixed income & the income that I receive from Social Security XXXX are totally used up covering my minimal living essentials. I ask them to close the account & to please cease and desist from all future attempts to collect on my balance. Any correspondence related to my account should be conducted in writing to the address. Do not attempt to contact me by phone. And not to discuss or contact anyone regarding my account. I also wrote that I have become XXXX. I have received calls from debt collectors. The call I received Saturday XXXX/XXXX/16 had me crying so hard because I could not pay my minimal. I told her {$25.00} I could and it would take away my food. She started questioning me about if I had stocks, investments so I could pay. Told her no and she made me feel so ... .small, upset because now that I have become XXXX my life has changed dramatically and it 's really tough. I told her that I mailed a letter to the billing inquiries in XXXX, NC and she told me that I should 've sent it to XXXX, NC so I sent another one. ( If it is recorded, I ask BB & T to listen to it. I felt harassed, bullied and her demeanor was very mean. ) I received another call XXXX/XXXX/16. The lady was nice and kept apologizing because I felt so bad. She mentioned that they also had to close my XXXX and I said that was fine because I never used it. Now I am receiving letters from the bank saying that they 've denied me of the XXXX and turned it over to XXXX XXXX XXXX XXXX. I will continue receiving the statements with late fees of {$37.00} continuing to add up.
Consumer complaint received 2016-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Loan provider ( Navient ) lowered month due amount by XXXX %, while also preventing me from easily setting up recurring automatic payments. This option was previously available by other lender ( XXXX XXXX ) before being sold. This makes it more difficult to pay off loan amount quickly and shows the provider is seeking to get as much interest as possible. I did not approve lowered rate, but was rather opted into it by Navient.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I am so confused by the terms of this loan. I took out a {$1000.00} advance when I finished XXXX school to move on XXXX XXXX. I have made XXXX payments of over {$390.00} each ( XXXX ) against the balance, yet still owe {$830.00}. There is no ability for me to calculate how many payments I will make or when this will be paid off. The initial terms are worded in a confusing way, I had no idea this was going to essentially be debt slavery. I called the lender today to explain I could not pay another {$390.00} payment and they told me there was nothing I could do to postpone or stretch out the payment. I currently have no money because of this. No money for food or life essentials. The company provides no repayment schedule, no breakdown of where my payments are going ( i.e. principal and interest ). It just takes huge payments and seems to apply very little to the balance. I 'm scared this will go on forever because it seems that the interest or terms are so high that it is impossible to payoff. This is usury and intentionally confusing. I have no idea when I can ay this thing off or how.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

Since the transfer of our mortgage from XXXX XXXX XXXX to Shellpoint in XXXX 2016 we have received and continue to receive inaccurate mortgage statements claiming that we are overdue on our mortgage by {$4800.00}. This false claim can easily be corrected if Shellpoint would simply tell us what payments they believe we missed. However, despite our efforts to acquire that information they simply ignore our efforts to provide us that information so we can get this lack of accounting corrected. Since the inception of our loan modification under XXXX to current with Shellpoint we have made all of our payments which are substantiated by our XXXX records. At this point we have no other option but to enlist the help from your Consumer Financial Protection Bureau.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There is a discharged Chapter XXXX Bankruptcy that is on my Transunion Credit Reports that does not belong to me. I have disputed several times with the credit Transunion and XXXX and they both verify. I have inquired to both for the verification information and they both have failed to supply this to me. After looking up the Bankruptcy that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to me.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX contacted me by phone to tell me I had n't paid my account. I have always paid my account in full and when I received the call, I told the person I did not receive a bill in the mail and would like to have one sent to me. I did not receive the bill and received a second call. I paid my amount in full and once again asked for a paper bill in the mail, which I never received. I submitted a complaint through XXXX and thought the matter was taken care of on my credit report until I checked a different report today and found out different.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I HAVE A ACCOUNT WITH BANK OF AMERICA, AND THIS PAST YEAR, I HAVE HAD A XXXX STAYING WHILE GOING TO SCHOOL, HE HAD EITHER WROTE MY CARD NUMBERS DOWN OR TAKEN MY CARD AND REPLACED IT IN MY WALLET. AS SOON AS I GOT A NSF FEE STATEMENT, I WENT AND LOOKED AND WHAT A SURPRISE, XXXX WORTH OF TRANSACTIONS, HE DID THE SAME WITH MY XXXX CREDIT CARD, HOWEVER I HAD DRIVEN HIM TO THE AIRPORT THAT DAY, I FOUND OUT. I CONTACTED BANK OF AMERICA DIRECTLY AND AS THE SMALL PRINT SAYS, I AM COVERED FOR THAT LOSS, THEY GAVE ME A EXCUSE THAT HE DID NOT GO SPEND HAPPY WITH MY ACCOUNT AND I SHOULD LOOK AT MY ACCOUNT DAILY .I AM TOTALLY THROUGH WITH BANK OF AMERICA, NOT ONLY DID I GET TAKEN BY HIM, MY OWN BANK HAS TAKEN ME AS WELL AS THEY DO NOT WANT TO EVEN REFUND THE OVERDRAFT THAT WAS CAUSED BY THE INCIDENT
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (PA)

XXXX overcharged my account by almost {$300.00}, by placing an early termination fee on my account. This was done in era because I still was a customer. After they noticed and admitted to the wrong doing they said they would not and could not take the charge off.
Consumer complaint received 2016-07-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

I paid off my Chrysler Capital lease so I could keep the vehicle when lease expired. After almost 2 solid months, this corrupt outfit has refused to provide any final accounting of my account, or refund a substantial overpayment due me, send me title to the vehicle, or in any way acknowledge payoff of this lease! This is THE most corrupt and incompetent firms providing finance for any of the major auto brands, with a huge number of consumer complaints, and NEEDS TO BE INVESTIGATED AND FINED! The company is not even a Chrysler subsidiary, it is instead owned by Santander bank group and simply licenses the Chrysler name, further defrauding customers who think they 're dealing with Chrysler when they are not.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

Have lived in my home nearly 9 years. Mortgage company has contacted me recently to say that I live in a Special Flood Hazard Area and are requiring me to obtain flood insurance. My house has never been nor is currently in a flood hazard area. My home has n't moved during my tenure. When the mortgage company contacted me, they had already increased my escrow and began making payments for flood insurance from my escrow. Their letter said that I need to prove that I do n't live in a flood hazard area. I responded to them and insisted that THEY prove that I do. They have not responded nor have they reversed the money taken from my escrow account for the bogus claim of necessary insurance.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My salary got reduced and payments were high. XXXX XXXX XXXX my mortgage company filed foreclosure. Unable to come up to the huge amount they demanded I filed for chapter XXXX motion to stay since I only had 21 days to respond or lose my home. Later XXXX XXXX XXXX transferred my home to Rushmore. I found Rushmore inflated the amounts i owe and made it impossible for me to maintain the payments and increase the interest higher. I absolutely disagree on the amount they came up with. After making a steady payments and staying current they sent a letter calming I missed payments for 9 months and filed a foreclosure for a short sale. In between I received a letter from the government stating I qualified for a new program called Harp for a fixed rate. I was filled with hope and agreed and singed on. Front cover looked like a government offer for home owners to keep their home from Obama. HOPE and Hud were on every page approving this modification. Later XXXX which was working on behalf of XXXX XXXX XXXX asked a retaining fee and lawyers fee which I paid informing me the money would be added or count as a payment for my mortgage. I paid {$1600.00} each month to them for a period of 3 months. I do n't remember the application fee amount. The process took more than 5 months and i was warned not to speak to the mortgage company since they were the lawyers they must speak to them. One of the documents I signed stated I was not allowed to contact the Rushmore. Later on I received a letter and a auction sale on my property with an eviction notice from Rushmore. Heartbroken I contacted my chapter XXXX lawyer and asked how this can happen. I found out the XXXX part was fraud and I was a victim of scam. I did not question it because the flyer looked like it came from the government. I need help. I want to keep my house. I 've worked to hard and believe in the American dream.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Consumer Finance, Inc. (PA)

I financed a XXXX XXXX XXXX XXXX for {$12000.00}. Two months after getting the car the dealership had not completed the inspection, and the engine blew. The dealership told me the warranty had to pay for the repairs and the warranty company said that the dealership was responsible since i had just got the car. I paid XXXX out of my pocket to pay for the repairs. This was only the beginning. It is XXXX and to date i have paid {$12000.00} in repairs as well as XXXX in finance payments. Currently the vehicle still needs repairs and the finance company is charging all types of interest. I contacted the XXXX to file a complaint with the company since the vehicle had not been inspected and after looking at my paperwork ( contract, Title, and registration paper ) i noticed that at the time i bought the car the mileage on the title was different than the mileage that was on the car and the contract, as well as the " Owner '' signature on the title transfer. The XXXX advised me to seek legal help. 

The dealership ( XXXX XXXX XXXX ) and the finance company ( United Consumer Finance ) conducted illegally and now i am in a bind with a lemon for a car and no money.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage servicer has denied me access to mortgage payment history for the period XX/XX/XXXX to XX/XX/XXXX. During this time period the servicer changed from XXXX XXXX XXXX To Select Portfolio Servicing. Select Portfolio Servicing ( SPS ) after receiving the loan this company moved immediately to foreclosure. This action was against the California Homeowner Bill of rights that went into effect on XX/XX/XXXX. I would like a resolution that includes the servicer 1. Allowing me the opportunity to apply for a loan modification. 2. Supply me with the complete payment history from XX/XX/XXXX to XX/XX/XXXX when the alleged delinquency took place.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

It is my belief that Roundpoint Mortgage should terminate PMI fees now that I have reached the XXXX % threshold as stated in my original PMI loan documents. I notified them in writing as required. I have never been delinquent on any of my payments to them since the loans inception, I have a XXXX plus credit rating and my house market appreciation has well exceeded the original loan apraisel based on other homes recently sold in my area. 
They insist on requiring me to get an apraisel which would almost eliminate any cost savings to me. Even though it is not clearly stated that that would be required in the original loan documents. Seems a though the whole system is rigged in there favor to unfairly profit off of responsible home owners like myself
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fay Servicing, LLC (IL)

I requested a verification of the debt they are trying to collect I already Sent 3th Verifications of debt letters today I ', m sending the 4th validation letter.And I never receive any Validation of the Debt Isent, FAY SERVICING LLC is trying to collect a debt I never engage with them they are trying to collect a debt. I dont Owe I never have any kind of business with FAY SERVICING LLC conpamy thewrefore I need your help. 
see attached documents
Consumer complaint received 2016-07-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. 

Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the issue.
Consumer complaint received 2016-07-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: RMS-Recovery Management Services, Inc. (IL)

I filed for bankruptcy 3-4 years ago, which I was recently discharged from. However, during that time they tried to contact me. I directed them to my attorney but then they decided to harass my aunt, who is my co-signer. She 's been receiving vicious calls about putting a lien on her house, garnishing her and my bank account. They never call me or send me letters, they always send them to her and they keep adding interest to my debt, which it was agreed during my XXXX-XXXX chart XXXX period, interest would not increase. My debt was supposed to be down to {$85000.00}, well now they say it 's over {$100000.00}.