davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I recently submitted a repayment option with my Mortgage Company Chase. I was assisted by a third party XXXX XXXX on XXXX XXXX, 2016 with explaining to Chase my reason for the temporary hardship. In the request I explained thoroughly to Chase why I had fallen behind on my mortgage due to a hardship. My father past away without a life insurance policy, therefore I had to assist in his burial expenses where I had to forego my mortgage payments for 4 months to pay off the burial and funeral expenses. When I could I would make a mortgage payment when I could. This is when I reached out to Chase for assistance. I sent to them all the necessary documents required and also explained to them that I am working a XXXX job XXXX days a week approximately XXXX hours and a XXXX job working XXXX days a week approximately XXXX hours. I feel this is more than enough income to grant me a repayment play and it would only be a short period for approximately six to four months. After a few weeks with the underwriters reviewing the reques, they came back with a decision to deny and suggested I arrange for a Short Sale. I know I am making more than enough income to bring the mortgage current with the option for a repayment agreement. That is not what I wanted.I want to continue maintaining the property and just wanted the option of a repayment option to bring the mortgage current. I was so hurt a little depressed from the decision. This is why I am reaching out to you all for further assistance. 

Thaanks
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

This is an addition to previous complaint case # XXXX / omb # XXXX as I was unable to add additional information to that complaint as a result of Wells Fargo 's responses to me. 

I was advised at XXXX Tuesday XXXX/XXXX/16 by Wells Fargo rep XXXX XXXX that his managers refused to provide restitution for the purchases I made in anticipation of my vacation to fire island that was cancelled as a result of all the misinformation provided to me by multiple Wells Fargo reps while I was getting a loan modification. I would not have made the purchases if not for the XXXX XXXX trip that I had to cancel. I wanted to add to the complaint that I was told NO restitution is being provided. 
This is very upsetting that this company can tell me XXXX or XXXX different things as it pertains to my mortgage payment amounts and dates, take money from my account when not authorized AND not provide any restitution for or be accountable for their actions causing me and my family great losses. We lost out on a vacation ( TWICE AS A RESULT OF MISSINFORMATION ), which in my eyes, with XXXX children looking forward to is priceless, money spent for that vacation at least {$2200.00}, there was at least {$1000.00} more but that was spent in cash so unfortunately I can not provide receipts for that. Another {$700.00} or so in medical expenses and they say " sorry, cant help you with that '' I would like to insist that at the very least, they provide restitution on this matter with re payment to me in the amount of {$3000.00} Thank you.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (UT)

Him XX/XX/XXXX, I worked with Envision lending in XXXX XXXX XXXX, Utah and XXXX XXXX who was representing Envision lending. The mortgage broker XXXX XXXX at that time helped me get into a adjustable rate mortgage and an interest only mortgage for our home with the understanding, if we made our payments on time in approximately three years we could refinance to a fixed rate mortgage and a lower interest rate. Around XX/XX/XXXX we reconnected with XXXX XXXX who informed us we could get a 5 % fixed interest rate because of our timely payment. On or about XX/XX/XXXX, I met with XXXX XXXX and signed a fixed rate mortgage with the understanding the mortgage would then be at 5 % mortgage. I began making my mortgage payments, on the new mortgage shortly thereafter. Several months later we were notified concerning a payment reduction on the mortgage. We paid the mortgage until we were put into a position financially where we could not afford the payment. We were sued by Bayview loan servicing , LLC, the alleged creditor, XXXX XXXX company the alleged trustee and XXXX and Associates the law firm that is representing XXXX and also owning XXXX in XXXX XXXX XXXX. I have never signed a contract or agreement with Bayview Loan Servicing , LLC, nor have I paid any payment, agreed to pay any payment or are in default to Bayview loan servicing LLC. I have defended the case pro se and in the process of reviewing what I could find in my records I came across to the envelope that included the mortgage information from the second mortgage that I had not looked at as I received it months later after I took out the mortgage. Inside the envelope I found XXXX CDs which contained XXXX separate loans. XXXX of the loans was signed XX/XX/XXXX, the other loan appears to have been signed on XX/XX/XXXX. We do not recall applying for a second loan nor being told we had taken out another loan. Also the loan from XX/XX/XXXX was a 6.627 % loan with the fixed rate and the loan on XX/XX/XXXX was a 5.62 % loan with a fixed rate. On XX/XX/XXXX I received a change of creditor notification f him rom Bayview Loan Servicing LLC. Under the FDCPA 1692, section 803 " definitions '' it appears Bayview loan servicing LLC is not a creditor as defined in 1692a ( 4 ) I am a consumer as defined in 1692 a ( 3 ). Bayview Loan Servicing , LLC appears to be a 1692 a ( 6 ) debt collector, collecting a 1692a ( 5 ) debt and are not a Party in standing but third party debt collectors attempting through a judicial foreclosure, to remove our family from the home. We would appreciate assistance in this matter as Bayview Loan Servicing LLC through XXXX XXXX have continued to move forward without proving standing. We would appreciate your assistance in the resolution of this matter.
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

I have been investigating my loan since before my school closed I filed a police report for fraud and Navient still is charging me for this. I have provided information to both them and XXXX re this private loan. Non of them are helping and I still have to pay it since its effecting my credit
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Focus Holding Company (TX)

Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! 
They said I was guaranteed to do 10 years in prison.
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (TX)

On XXXX XXXX, 2016 account reported by XXXX and the original creditor was XXXX XXXX XXXX XXXX XXXX with a balance in the amount of {$500.00} was removed from my credit files and reinserted on XXXX XXXX, 2016 under PHNX Financial services.
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Collection Bureau, Inc. (FL)

I received a call from United Collection Bureau or as they call themselves UCB. I was told that I have to pay my XXXX Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called XXXX of their offices, and spoke to a XXXX XXXX who claimed to be the XXXX. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX XXXX XXXX daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.
Consumer complaint received 2017-03-23
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Harpeth Financial Services, LLC (TN)

Advanced Financial XXXX, TENNESSEE Issues : 1 - Charged fees or interest I did n't expect 2 - Ca n't stop lender from charging my bank account I 'm just VERY dissatisfied with their business practices with the XXXX and auto taking my payment 's when I 'm not set up for auto pay - customer service rep verified I was NOT set up as Auto Pay When I first got help from customer service due to my financial situation ( unemployed ) I was under the impression they were going to suspend the interest so what money I could pay at the time would take down the principle balance. As well as keep my account out of collections. I made reduced payments and it still went to interest with just a fraction going towards my principle.. My principle has only gone down about {$20.00} and I 've paid hundred 's of dollars over the past few months and I have not and refuse to not take any more money from this line of credit again. 

The other day ( XX/XX/XXXX ) They automatically took {$230.00} from my account the other day and as stated above I am verified as not on auto pay. On XX/XX/XXXX they auto pulled {$97.00} XXXX CST then another hour later they auto pulled again {$130.00} at XXXX. I had also just paid {$50.00} online about 2 weeks before. 

My account is behind but they know that due to my situation. 
They are kind of hard to deal with. I want the money they took from me back as I do n't think they have the right to auto pull payments if I 'm not set up and did n't give them permission to do so. 

The XXXX is predatory lending. They do n't explain the process and before you know it you are swimming in debt that does n't go down and they feel they are at liberty to take what they want. 

We can only work and make money so fast to keep up, and when they auto take money, it takes from being able to cover basic needs. 

VERY upset with this place, regret borrowing from them. I want resolution to my account. 

If you want any account and balance information please advise.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems opened a collections account on my credit reports on XXXX XXXX, 2017. The only reason I know this is because I have a XXXX XXXX account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Midwest Recovery has come along to make this achievement short-lived. The original creditor listed is XXXX XXXX. There is an issue with this listing. I tried to XXXX XXXX XXXX and found NOTHING. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I recieved no documentation of this alleged debt. I have no contractual agreement with Midwest. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My wife and I have a Capital One credit card. 
On XXXX XXXX, 2015 I received a fraud alert regarding a charge over {$19000.00}. 
I immediately alerted Capital One that this charge is fraudulent. 
On the phone I was reassured that Capital One recognized the charge as fraudulent. 
Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However, for six months I keep on getting the monthly statement with the charge of {$19000.00} and with new fees and interest. 
A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However, again, every month I continue to see this charge with new fees and interest on my statement. 
I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital froze my account and requested verification. Ive sent ALL verification documents 3 tines but they refuse to unfreeze my account. I opened a case for this with the CFPB already but the case was closed with no change to my account. Previous case # XXXX
Consumer complaint received 2016-11-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A Home Equity Loan that we have with Bank of America since XXXX and expires in XXXX, I found by accident, through a Credit report, that Bank of America closed the account. When I inquired why the account was closed, they claim that they have a letter from me asking to close the account, we never submitted such a request. I asked for a copy of the letter that they claim that they received from us, they said that they can not find it!!
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX, XXXX, we received letter from Wells Fargo informing us that we did not qualify for Home Affordable Modification Program. We were told that XXXX XXXX requires that the property be owner-occupied. The XXXX XXXX website says requirements : Property Type : XXXX-to-XXXX-unit XXXX residences, including condos, PUDs and manufactured homes. 
XXXX homes XXXX-to-XXXX-unit investments properties We meet the requirements for the XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX This single family house is for the one of the investment property. As noted in our Hardship Statement, we are presently current on the mortgage payments for XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Because of the increasing medical and assistance with daily living costs, we fear imminent default once the mortgage payments almost double in XXXX XXXX, XXXX. As I mentioned earlier, my husband list his job in XXXX XXXX which lead to our financial issues and we had to file for Chapter XXXX Bankruptcy. My husband suffered a XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX in conjunction with XXXX. XXXX. We would very much like to resolve the loan modification matter so that we can focus on his recovery. Thank you for your assistance in this matter.
Consumer complaint received 2016-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (SC)

Great Lakes has just initiated a new policy. Based on the way monthly payments are not structured, borrowers pay higher interest rate. Under the new policy, all auto-pay payments are processed on the XXXX - the last day of the billing cycle. If a borrower wants to then make an additional payment, it will be applied to next month 's minimum loan amount ( instead of the principle of the highest interest loan ). 

For example, I made my monthly auto-pay on the XXXX of XXXX. Less than 24 hours later, I made an additional {$900.00} payment so the entire payment would be applied to the principal of my loan. Great Lakes informed me that the additional payment is now being applied to the *next* billing cycle ( XXXX ). Instead of lowering the principal of my loan, it 's being applied as a minimum monthly payment for XXXX. 

If I were to make the {$900.00} payment earlier in the month, ( on the XXXX, for example ) before the auto-pay processed, I would be paying interest from the date of that payment until auto-pay. So my {$900.00} payment on the first would be applied to the minimum monthly payment and then I would pay interest for two additional weeks until my autopay processed on XXXX XXXX. Instead of paying on the first, if I make it on the XXXX, the payment goes to the next billing cycle and is applied as my minimum monthly payment. Inevitably, this means that borrowers pay additional interest on their loans. 

( Prior to this, a borrower could pay via autopay and then, within the same month, make a payment to lower their principal. I had done this for months until Great Lakes instituted this new policy )
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MA)

To Whom it may concern. I have been reported by a commercial credit card company as no payment and charged off. XXXX XXXX act # XXXX and commercial card act # XXXX. I'm unfamiliar with these accounts and they do not belong to me XXXX XXXX, or my company XXXX XXXX XXXX. I've reached out to dispute with Equifax XXXX XXXX but they have failed to verify the accuracy of this account. They informed me " ONLY THE CREDITOR/LENDOR CAN REMOVE THIS. ''
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I co signed XXXX loans for my son years ago with XXXX XXXX now Navient and we have had nothing but trouble from them. At first he would pay his loans on time then fell behind and would pay late but would pay. Anytime I would reply to letters/bills from them asking for help from them it was always 3 options and 3 only. One was that they would reduce the amount owed if he would pay them off ( If he could do that he would have no trouble making payments ) or call to go over his options etc but they offered no real help. We got a call from one woman, who said she was a supervisor and wanted to resolve this and help him out. She explained that " if he would make a {$90.00} payment today, it would bring his XXXX loans current and this would be his new payment. ME : Is this per loan or combined? NAVIENT : This is combined. ME : So {$90.00} dollars is his new payment total for both loans? NAVIENT : Correct. ME : So he will no longer be behind, his accounts will be current and you do what? Tack what he was behind on to the end of the loans and he starts fresh? NAVIENT : Yes. '' WRONG! WRONG! WRONG! This became a " NEW '' loan to which neither of us knew we were opening or agreeing to!! We found this out when they withdrew ( or attempted to ) the {$90.00} and his normal monthly payments from his bank accounts! When I called to speak with the woman ( whose name and info I literally threw out months ago ) I was told " Oh she no longer works here ''. Right. XXXX XXXX XXXX, I got a call from a law firm that I hired to pay off debt I had incurred supporting my mother and my son and his wife while they were in school. They told me to call them regarding my account. My debt was paid off and my account closed in XXXX XXXX. The law firm would n't give them any info and even asked why they were asking about an account with them and Navient said " Oh someone told us ''. They were never even listed in my debt repayment. I thought this was illegal. I asked my son if he mentioned anything to Navient and he said no. These people are crooks who lie cheat and steal. I am a widow on a fixed income for XXXX and can not afford to pay these loans ( I was able at the time I signed and did make some ). I have no pension no nothing left. I pray you can help us.
Consumer complaint received 2016-11-16
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY (NY)

I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of Wells Fargo Bank, XXXX, XXXX XXXX XXXX, XXXX and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to XXXX, XXXX XXXX XXXX XXXX. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.