davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Schachter Portnoy, L.L.C. (NJ)

XXXX XXXX is harassing me for payment of my son 's student loan. First, they went through XXXX, now a law firm in New Jersey, Schachter Portnoy, LLC. My son has been paying this loan through XXXX for many years. They were accepting his payment up until XXXX, 2015 when they returned it to him. His address is on file with the loan companies ; however, they are still sending letters to my home. He has n't lived in that house in over 8 years. XXXX is willing to pay the loan, but no one has returned his calls or contacted him. They are just threatening me. I return his letters to them unopened and tell them to mail it to the correct address. His forwarding order stopped from our house years ago. I do not appreciate the threats and these collectors telling me the loan is in default. He has been paying the loan in good faith and all he received from XXXX was the returned check. No other information was provided to him as to who to contact about this loan. When XXXX took over the loan from XXXX and XXXX, the first thing they should have done was contact my son prior to proceeding with the collection process. In turn, this is unfair to my son and myself.
Consumer complaint received 2015-11-05
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I have a home mortgage with Wells Fargo Home Mortgage ( I did not apply for a mortgage with Wells Fargo, they acquired it ). I am paying bi-weekly with additional principle added to each payment in an attempt to pay my mortgage down as much as possible before I retire in approximately 13 years. Recently ( last 6 months ) Wells Fargo has let this additional money accumulate in an " Unapplied Funds Balance '' and does not apply it to my loan balance. In XXXX I called and complained when the Unapplied Funds Balance had reached {$3500.00} ( enough for XXXX full payments ), and they finally applied the funds. Now on my XXXX statement the Unapplied Funds Balance has reached {$2600.00} ( XXXX payments ). I believe this additional money should be applied to my principle and is costing me interest charges. 

I also believe this action by Wells Fargo is intentional as a result of a previous home mortgage that they held ( acquired ) on a previous house of mine that resulted in foreclosure because we were {$80000.00} underwater on the house value after the 2008 crash and my wife 's XXXX diagnosis which resulted in her going on XXXX. We are currently in Chapter XXXX Bankruptcy as a result of this foreclosure.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NY)

Chase credit card withheld information about the cut off time XXXX east time for payments on XXXX/XXXX/2015. Then at XXXX I called to pay it to avoid late to pay with chase checking the said even though I paid in past with that account I would have provide my account and routing number with I did n't have on me. I spoke to supervisor who said on a recorded line not to worry he will note on the account that he would refund any late fee was I paid it on the XXXX/XXXX/2015. However now chase still charged me a late fee. Even though I paid on the XXXX. In conclusion CHASE credit card automated machine didnot disclose that there was a cut off time on the XXXX due date. And they are scamming me and other customers out of XXXX of dollars. They need to be held accountable for ther scheme
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

While away last week, I received a letter from Capital One thanking me for applying for a credit card and saying that the credit freeze prevented action on the application.  I did not apply for a Capital One card at any time.  (This is why I have credit freezes.)  Although there was only a mailing address on the refusal notice, written advertising materials included a number to call (XXXX).   A call to that number was answered with a menu option. There was no option to request an agent, even though I asked repeatedly. When I tried to call back several times, I got only a "number not in service" message. After about XXXX minutes, I called the back, used a different menu option (new card) to get a live agent. When I asked for the fraud department, agent XXXX (sp?) put me on hold, then said XXXX would talk with me.  However, the call then disconnected.    When I call back later, I got only the  a message that the "office is closed until XXXX tomorrow."  I then went to website for reporting Capital One fraud and called that number.  A woman with heavy XXXX accent answered and said they could not investigate without having my SSN.  When I refused to give that, she then consulted with someone else and came back saying I would need to submit copies of my credit reports in order to have an investigation.  This seemed fishy to me since there was no way to verify that it was a legitimate site.  I disconnected, telling her that I would be reporting the incident to the authorities.  On the call to reach a live agent, I did have to give my name and address in order to reach an agent but gave only this public information.
In the same week, I received a similar message from XXXX and this morning had a phone message about the application with instructions to call XXXX.  I did have to give name and address to them; they did not request any other information and said they would send letter confirming the cancellation.  Now I have concern about that one as well, though credit freeze should block any action.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was married when the mortgage on my house was initiated almost 15 years ago. Both my husband and I had very good jobs. Since that time, we have divorced, and my former husband provides no support. I have had a change in employment, and I am now XXXX. The net result is that the household has a mere fraction of the income that it enjoyed at the time the mortgage was initiated. 
I have applied for HARP relief twice. Both times have been unsuccessful. I have a slight bit of equity in the property, and although payments are sometimes late, they are current. It is a struggle to make the payments each month, and very stressful. My credit card debt has increased because I have used credit cards to pay household expenses such as utilities and insurance while trying to make ends meet. 
My lender has no incentive to aid with HARP eligibility, because of the existing equity and the up-to-date payments. I have been told consistently that I do not make enough money to qualify for HARP. 
The brass tacks are this : if I make enough money to keep the current mortgage current, why do I not make enough money to pay a lower mortgage? 
I was also told that it would be helpful to my case if I were behind on mortgage payments. While the HARP application worked its way through the system, I withheld payments on this advice. The result is that I was still found ineligible, but my credit score decreased dramatically. 
I seem to fall into a borderline limbo. People who have higher relative incomes vis -- vis the same mortgage payment, qualify for REDUCED mortgages. However, I must endure the higher payments ( currently at 5.5 % ) despite lower income. How is this fair? The HARP program would be a godsend to someone like me and would make a world of difference in my month-to-month struggle. It would seem like I would be the poster child for such a program, yet it remains out of my grasp.
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I was charged a {$35.00} overdraft charge when I had expressly asked my bank to never overdraft my account for any reason. Not only that, but I also had made a deposit the night before that would more than cover the small charge that my bank ( Apple bank ) was claiming merited the {$35.00} overdraft charge. 
This overdraft charge seemed unfair, unreasonable, and avaricious. I talked to the phone customer service, who was unhelpful and told me to talk to my local branch, and I then talked to my local branch, who told me they did not have the authority to overturn this charge, when they have in the past. They then asked me to fill out a form to request this charge be overturned. But they seem unhelpful and unwilling to listen to what I have to say and they seem to be more concerned with profiting off of my bank account then in offering legitimate and professional service. 
I 'm contacting your office because I believe you exist for this type of low-level crime that banks get away with consistently and wind up profiting off of these kinds of seemingly innocuous situations to the tune of XXXX of dollars every year. 
Thank you.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I got a notice from fcc collections It was an amount that was Outrageous, I first called my lawyer XXXX XXXX & XXXX XXXX they wrote a tetter that I am attaching. They then called the collection agency to ask for an accounting to date they have not sent it. I called both transunion and XXXX numerous times to complian. The last response was from Transunion was that the credit agancy said nothing was wrong with the account and they do not have an accounting available. Nothing is being done but atleast Transunion requested it. I am requesting it for a few reasons by law first consumer law 611 5 a says that the credit agancy has 30 days to reply with information oin the inquiry, Second by law the rental company who is claiming I own the money is not abiding by the rental laws, I have requested the acconting to prove that I owe the money, My lawyer asked for it the County asked for it. The collection agancy has still not come up with it. It has been 180 days and counting far past the 30 days that is required to come up with proof of the debt according to the law. Again accouding to the collection agancy " we do not have one available '', If I have submitted XXXX complaints the credit agancy has not done so yet.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

The servicer, Rushmore Loan Servicing is stating that the investor wants {$25000.00} down payment before they will modifiy the loan for a three month trial period. It was declined when we could n't come up with the payment we offered to spread out with the trial period payments. Initial down payment we could do was {$5000.00} that was declined. Then we offered {$15000.00} down payment to be spreadout in three month with the trial period payment. XXXX, who is the contact representative with Rushmore said she spoke to her supervisor's-supervisor and said that the investor said no that they need the entire {$25000.00}. My Home is currently in foreclosure and assigned to there Attorney. XXXX
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$140000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly XXXX to verify my actual income and stated what it was instead. The current mortgage/note, XXXX XXXX XXXX Bank and also with Bayview loan servicing # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX, my S.S. # is *********** D.O.B. XX/XX/XXXX. XXXX XXXX XXXX Bank and Bayview Loan Servicing XXXX committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
Consumer complaint received 2015-11-05
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I made a payment arrangement of XXXX $ a month on a XXXX $ XXXX XXXX, which I had in 1984, to XXXX for the Univ of XXXX. I gave them my bank account information and they attemped to take out XXXX {$.00} which I never had in my account.
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

The company has failed to remove the credit information being reported to multiple Credit agency 's. The information they areProviding g to the agency 's is inaccurate. They failed to provide proof of debit, dates of debit, and bankruptcy discharge information ect. I have had no account with XXXX for over 10 years.
Consumer complaint received 2015-11-05
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (PA)

I have a prepaid rushcard, I have n't received my last XXXX paychecks. Every time I call they apologize and guarantee that it will be fixed by XXXX XXXX but it 's lies. I have n't received my money since XXXX/XXXX/15 and I have a shutoff notice for my electric tomorrow and my rent is late. I need help please
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK (HI)

In XX/XX/XXXX, I left the USA to XXXX in the pursuit of a XXXX. By mid XXXX I was still jobless, so I was unable to keep up the payments from abroad. Therefore I pursued negotiations directly with Discover to find a hardship program or some payment system that would at least lower the payments. 
End of XXXX, we had reached a deal to work a payment plan that would lower the payment and keep the credit from faltering. Unfortunately, they denied everything that I had negotiated as if it did not happen and I was only bubbling the payments. They rudely cared little for me and did nothing to help, only demanding only payments. By the end of XXXX I tossed my hands in the air. I had to make a decision between food and the payments. Of course, I chose food. 

I swore to myself I would take care of this when I returned. After four fruitful years in XXXX and XXXX studying and working, I returned to the USA this past summer jobless once again. On XX/XX/XXXX I received a letter from XXXX XXXX ( debt collector and possible new owner of the debt that has not been verified ) requesting I accept the current situation or dispute it by XX/XX/XXXX ( 30 Days ). No response will mean I accept the amount of the debt. I will be sending a letter soon to dispute this wrongful situation. 

I hope you are able to assist me and find terms that both parties can agree upon that will allow me to put the debt and emotional frustration behind. 

Kindest regards,
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Finance Company, LLC (MD)

I was contacted by XXXX and they were attempting to collect a debt from Continental Finance. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know Continental Finance was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that Continental Finance was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt XXXX would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with XXXX XXXX for debt collection. XXXX seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe Continental Finance is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt XXXX will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Ocwen received XXXX payments inadvertently in XXXX. XXXX on XXXX XXXX and the other on XXXX XXXX. XXXX reps on two different days said they would reverse the payment back to my credit union. They reversed the payment on the accout but never sent the money back to the credit union. They put it in a suspense account! As of today, the payment has NOT been sent back to the credit union NOR has it been reapplied back to my mortgage. They have charged a late fee and sent me a past due notice!! THEY HAVE THE MONEY!!! I needed the payment back to pay on my son 's remaining hospital bills as well as my utilities and other bills. I explained that when I called on XXXX XXXX. A while back, they had me to fax a statement to them about my paying them at the end of the month due to the hospital bills so they would stop calling my home. It was very upsetting, as is this situation! They purposely kept both payments and the second payment is just sitting somewhere!
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

XXXX XXXX, received a loan modification from Ocwen Loan Servicing, we were behind in our payments, by XXXX of XXXX the modification expired, and I was to obtain a loan., I applied to XXXX , HUD , Keep Your Home California and several private lending agencies. Ocwen gave us a loan for 6.25 %., this is outrageous., I paid them on time for 6 years, I was never late, and my FICA score was XXXX. The investor is XXXX. The Department of Justice instructed the banks to work with the homeowners for low interest loans., We applied for another modification about XXXX times, and OCWEN refuse us every time. 
This started in XXXX when our home taxes were behind, and Ocwen stated they would impound the taxes., well they did until they were brought current., unaware that they stopped paying the taxes, they got behind., we then took a {$40000.00} second on the property from XXXX ( XXXX XXXX XXXX ) , predator loan, to pay back taxes. Fast forward to XXXX XXXX, the XXXX is due ( {$40000.00} ), they refused to give us time to pay, unable to pay the full amount ( XXXX ) XXXX filed for " Foreclosure. '' My husband and I faced with option of losing our home filed for Chapter XXXX Bankruptcy. 
I know you do n't want to hear customers private lives, but XXXX in XXXX XXXX, I had XXXX in XXXX/XXXX/XXXX, we are both XXXX., we are both on Social Security, and choking trying to make the payments. I still try to work and my childrenhelp us financially, when they can.
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I submitted an online application for a Capitol One Credit Cardone week ago. I received my approval within minutes. I thenreceived a phone call from the Fraud Detection Department. 
As well as a follow up letter saying that New Documentationwas needed to verify my identity due to suspected identity theft. 
I ask what this was regarding and received no response. I thenagreed to submit a copy of my drivers license front and back aswell as bank statements and other proof of residence. I spoketo a supervisor on XXXX XXXX at Capitol One that informed methat no other documentation will be required and it would takebusiness days to resolve this issue. I received the cards but wasinformed that account was on hold. I have been receivingphone calls and emails from Capitol One asking me to resendthe same documents over and over again and was told XX/XX/XXXXmy cards would be restricted until I send documents for 4thtime. I ask to please tell me what the circumstances werethat brought this matter up. No response. Capitol Onerefuses to activate my cards. they are harassing me via calls aand email. I want answers.