davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Entered into subprime mortgage with Countrywide. Had a motorcycle accident. Immediately contacted HUD/FHA for mortgage relief while injured ( could not go to work, financial hardship ). Contacted by BofA regarding my requests. Sent to numerous mortgage counseling programs and representatives of different departments within BofA, all to no avail. BofA disregarded my qualified written requests as of why they were dual-tracking my mortgage and were deficient in providing me with mortgage foreclosure relief at the same time. In violation of RESPA, BofA never responded, but continued forward with their foreclosure actions by and through their attorneys XXXX XXXX XXXX in XXXX, Illinois.
Consumer complaint received 2017-01-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB, My name is XXXX XXXX XXXX I am the son of XXXX XXXX XXXX Deceased XXXX and XXXX XXXX XXXX deceased XXXX after my mother died in XXXX, I was getting letters from the Law Firm of XXXX and XXXX XXXX from XXXX, saying they were representing JP Morgan Chase Bank on about XXXX/XXXX/XXXX they filed foreclosure against me and I was illegally evicted and all my property was stolen and destroyed I am alledgeing that the note was paid off with a POD instrument that my dad had for me. They filed a foreclousure in XXXX XXXX Illinois case # is XXXX they had no standing to sue and then they illegally evicted me without a forcible and entry detainer lawsuit being filed. I know their was foul play going on. Can you please investigate for theft of my parents money and property and destruction of property XXXX XXXX XXXX I now live at XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX XXXX
Consumer complaint received 2017-06-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHEAST MORTGAGE OF GA INC (GA)

I started a mortgage loan on XX/XX/XXXX with a company SouthEast mortgage. It started as a USDA loan they preapproved me on. Well after some time they contact me and say the house is too much for the USDA loan I needed to get the FHA loan and qualify for the GA dream loan for the down payment. XX/XX/XXXX I worked for myself and have filed for a tax extension. Which they have known about since they asked for my XX/XX/XXXX XXXX in the beginning. They said it will be fine most likely after the underwriter reviews it before conditional approval. Some more time goes by and turns out I did not qualify for GA dream like they said I did because of the XX/XX/XXXX tax extension which they already knew about but I guess forgot. I was told to get an appraisal to make sure the house was going to appraise for the sellers asking price. I did so because they kept telling me all my paperwork was pretty much good so far including the XX/XX/XXXX tax extension and my self employment of that year. So we get conditionally approved for the FHA loan and everything we sent over ( after explaining to them at least 3 times in e-mail and even more times over the phone had to remind the mortgage agent that I did not have XX/XX/XXXX XXXX or returns for them at this point ) and they just wanted a few more documents and explanations which I delivered to them. XX/XX/XXXX comes around we have already paid the inspection now and my mortgage agent stated " the underwriter has approved everything '' when I asked about buying home insurance but was concerned if the underwriter was going to deny me because of the taxes ( since they kept asking for it no matter how many times I explained it to them it seemed ) after I bought insurance. So after being told my XX/XX/XXXX taxes were approved long before conditionally approved than being re-assured everything was approved and ready for closing on XX/XX/XXXX they got behind somehow we found out XX/XX/XXXX that we were not going to be closing cause they got behind and had to file for an 8 day extension. Later on in the evening I get a call saying the underwriter has decided to deny my loan because of my XX/XX/XXXX taxes and work year. Something I was told was okay since XX/XX/XXXX something they have known about for so long it took them until 3 days before closing to deny me based on information that never changed and they had access to review since XX/XX/XXXX. With this sudden change of heart by them I had already bought the appraisal and inspection and lost my earnest check. Not to mention I gave up the lease at my apartment so at the end of this month my girlfriend and newborn daughter and I will have no where to go because of this on top of them keeping all my money. The amount of XXXX XXXX and XXXX this mortgage company has caused my family with their lies and theft is unbearable with my current situation. Please help me I followed through on my due diligence gave them all the info they asked for and they scammed me.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I opened a credit card account at Macy 's at the end of XX/XX/XXXX to buy a couch. The deal was 12 months no interest. After the 12 months, the interest kicked in at over 25 %. It was my understanding that that rate would be applied to any balance left over after the 12 months was up. I made payments each month. By XX/XX/XXXX, the balance on the card was down to {$220.00}. I made a payment of {$120.00} on XX/XX/XXXX, leaving the balance at {$100.00}. On XX/XX/XXXX, I went to make the final payment on the account. This is when I discovered Macy 's added an interest charge of {$170.00} to my account. I called the customer service call center in the XXXX. I was told that the interest charge, if the balance was not paid in full within the 12 months, was retroactively applied to the ORIGINAL AMOUNT of the account. ( I purchased the couch for about {$900.00} ). I explained that this was very different from my understanding of the 12 month promotion and also noted that the most recent statement ( attached ) states that the " balance subject to the interest rate '' was {$270.00}, not the $ 900-plus original cost of the couch. I asked to speak to a supervisor. XXXX, a supervisor, came on the phone and explained that it interest was applied retroactively. He offered to issue a {$50.00} credit to the {$270.00} I am alleged to owe Macy 's. I told him that I was angry and disappointed. I requested he close the account, give me the final balance minus the {$50.00} and that I would pay that. So I 'm swallowing {$120.00} because I know that it could take time to resolve, and apparently interest will keep accruing on the original balance. I am not a person who can afford a random {$120.00} here or there. I feel I 've been cheated by the issuer of this card and by Macy 's and I 'm tired of feeling that I 've been taken advantage of. Ultimately, I 'd like a {$120.00} refund from Macy 's.
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

My account at Fed Loan Servicing was setup with " paid ahead status '' and 9 of my payments were n't counted towards Public Service Loan Forgiveness. It took a Fed Loan Servicing Borrower Experience Advocate to escalate my case to a PHEAA Consumer Advocate to get things resolved. He eventually got the ok from FSA/Department of Education to have me pay {$190.00} to have the 9 payments come into compliance and count towards the 120 needed for PSLF. Connecticut Senator 's office was also  involved. I was surprised to learn that Dept of Education 's Ombudsman was subcontracted to XXXX, XXXX in Kentucky. Three CFPB cases were opened on this matter : XXXX, XXXX, XXXX. Thanks to XXXX XXXX at Fed Loan Servicing, XXXX XXXX at PHEAA, XXXX XXXX at Senator XXXX 's office for their help in this matter.
Consumer complaint received 2017-03-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

I received a statement from " XXXX '' who bought the loan from " XXXX '', The company who originated the loan, stating that we had a shortage in our impound account in the amount of {$820.00}, and that the amount originally figured was incorrect and that our mortgage payments would now increase an additional {$100.00} a month to correct this mistake. I was very clear to the XXXX loan representative to insure that the impound account also included the " XXXX XXXX '' taxes and she assured me it was included. Well, it was n't as now we not only have to pay the shortage amount, but also have a higher monthly payment now. We 're both XXXX on a fixed income and when calling XXXX XXXX from XXXX, he wanted to pass the blame to escrow and the title company. XXXX originated the loan and are licensed to insure that the loan amount included all the required taxes and they failed to do this.
Consumer complaint received 2017-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

I applied for a XXXX loan cancelled the minute I found out about their interest rates, the gal at Big pic loan said my loan was in review and she could not stop it, than she put me on hold like 5 x during this phone call only to say she could n't stop it the money was going into my acct! I was NEVER TOLD ABOUT A FEE OF XXXX loan fee either. They put the $ $ in I proceed to call to have the $ $ withdrawn so I could get out of this nonsense that I did n't want to begin with .... then they said since they tried taking the XXXX out and there was not enough there because of the {$130.00} Finance charge that I was NEVER TOLD ABOUT! So there was only XXXX and some change there. My bank sent it back I had a non sufficient charge and than the fun began with this company! I called and spoke to a guy named XXXX who insured me I will have this closed and handled but, that I needed to pay more since daily interest was occurring. Payoff now was XXXX they were to take the $ $ out on XX/XX/XXXX .... NEVER DID! I called and spoke to XXXX who said XXXX never put the order through and they could n't do anything .... She proceed to say XX/XX/XXXX they could take the $ $ out but, it was n't going to be for XXXX it would be XXXX due to more interest .... this is insane and wrong! She than said she would take this matter to a higher level .... have n't heard from them ... .. which I probably wo n't! I did n't want this loan, cancelled it in time but, was told it was too late .... this company is a True scam and should not be allowed to operate .... I 've been searching the internet and seeing all the problems people had with this company it 's ridiculous ... .. 3 names this company has used ... .. Red rock tribal, Castle Payday now BIG PICTURE LOAN .... I need Help with this matter .... I did n't want the loan cancelled in time yet held me deemed responsible for something I did n't want!! Now they are not complying giving me the one around while making my XXXX loan building interest rates daily since they refuse to take the $ $ I was told to pay to close out my acct with Big Picture loans .... they refuse me paying it off and keep adding interest rates daily when the $ $ has been in my acct for them to take! It 's sad that this is what this company is doing and just plain WRONG!!
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED ** ( XXXX Inquiry XX/XX/XXXX ) XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2016-09-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION (NC)

BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT DATED FOR XXXX/XXXX/2015 AND HAS FAILED TO SEND ME PROOF OR REMOVE IT FROM MY CREDIT REPORT IN A TIMELY MANNER
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

For the last year and a half, this company has been calling me asking for a woman who I do not know. Ive told them every time they call that that person is not at this number and to stop calling me. They continue to contact me. Now they call me and do not tell me who theyre looking for but attempt to extort private information from me. ( My name, address, etc. ) Ive told them multiple times that I do not owe any debt and if its the same person they are calling for, they have the wrong number. They continue to harass me after Ive told them that is not me and when Ive asked them to stop calling me. XXXX considering filing a police report because they keep harassing me with phone calls.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (FL)

Seterus/XXXX in CFPB compliant XXXX, I complained that Seterus is not providing me with the assumption documents due to be heir to my dad 's homestead that under florida law upon his death by default I become owner of the property. Seterus responded that I still need to provide other documents to proceed with the assumption documents. 
I have filed bankruptcy protection on my property as heir at the time of my dad 's death. 
Seterus did not dispute my ownership to the property and is requesting to continue the mortgage payments, thus its concession of my standing as ownership. 
XXXX district of florida XXXX How can i continue the loan payments when seterus is not providing any documents executing me the legal title owner of the property and responsible for the mortgage loan Until I execute the required documents to assume the loan why should I continue making the payments Seterus is willfully violating federal law, Garn-St German Act ; CFPB Final Rules 12 CFR part. 1024-1026 XX/XX/2016 and regulation on assumption of loan as heir to decease father and at the same time grossly unlawfully in bankruptcy proceeding requesting me to continue payments.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/XXXX I opened my XXXX XXXX Visa Infinite card with Chase Bank NA. On XX/XX/XXXX I was charged a {$450.00} annual fee covering 12 calendar months per the terms and conditions set forth by Chase. <P/>On XX/XX/XXXX Chase Bank NA sent me a letter that they had closed my XXXX XXXX Visa Infinite card ending in XXXX due to 1 ) Rapid increase in revolving balances, 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit. All my Chase Credit Card 's have had a {$0.00} average balance just like my cards with other banks. I have also not broken any of their Terms and Conditions. <P/>Chase Bank NA has refused to re-open my account or provide me with a pro-rated refund of my {$450.00} annual fee, since I was only able to use the card for less than 6 months I do not find it fair to be charged the full annual fee.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ID)

After not being able to get free credit report because the sight was down I was able to get my report by paying for it. Experian is making it very difficult to get report with out paying for it. I paid for a report because after XXXX dispute letters sent via certified mail they only responded 1 time and the accounts came back verified. They never reinvestigated or provided verification or method of verification despite several written and received requests. There are no account numbers on the report : The report has no number but it was pulled and printed XX/XX/XXXX These are wrong These accounts need to be deleted : XXXX XXXX XXXX accounts???? delete all of them XXXX XXXX XXXX accounts?? delete XXXX
Consumer complaint received 2017-06-23
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I was contacted by XXXX XXXX XXXX XXXX from XXXX GA about a payday loan debt I took out about 2 years ago from Easy Money in XXXX TN for {$25000.00}. XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our first child and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the am. He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.
Consumer complaint received 2017-03-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DC)

My debit card was lost and somehow someone was able to get my PIN and use the card to make bogus deposits and then shortly after withdraw the funds. I told the bank when I logged in to see my balance and saw this huge overdraft of over {$6000.00}. I explained that I did n't know the card was gone and that I had nothing to do with what happened. All of the withdrawals took place in Pennsylvania and I live in Virginia and work in XXXX. The bank claimed they did an investigation which I doubt and they expect me to pay back something I never got. I filed a police report with XXXX County 's financial crimes department but because the actual crime took place in Pennsylvania, they could n't do anything. I looked up the police department associated with the area the bank was in where all of this transpired and they claimed that the State police had jurisdiction. I called the State police and they claimed they did not. I got nowhere over the phone with that and because I was working could not get up there to file a police report. 
The bank in question is Santander Bank. I opened the account online. I filed the waiver they claimed I needed to and they still claim that because I could n't account for when or how my card and PIN were compromised, I was responsible. I do n't have that kind of money. What can I do? They call over and over. They leave messages at my work and that incident happened a little under a year ago. This bank is horrible. Why would any bank with no history of such deposits and withdrawals allow such to happen?
Consumer complaint received 2016-09-10
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MI)

On XXXX XXXX, 2016 at XXXX I sent over money to XXXX . I called Western Union and they put me on hold for a half an hour. I spoke with a representative explaining my problem and he told me that I had to speak with someone else. I was then put on hold for another 20 minutes. Finally I was able to get through to someone and the then stated that I needed to be interviewed. I said that was fine, and answered all questions that were asked. They stated everything was all set, but in reality the money is still on hold with Western Union! 
I called yesterday, XXXX XXXX, 2016 and again had to wait 20 minutes on hold, had to be re-interviewed with the same questions I had answered already the prior week. Today is XXXX XXXX, 2016 and the money still has not been sent.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Management Control, Inc. (TX)

On XX/XX/2016, this debt for {$98.00} appeared on my credit report. I have no knowledge of this debt and why they frivolously put this item on my credit. This item is unverified and has not been validated by me or my consumer rights attorney. This company did not send notice that item would be placed on my credit before letting me have the opportunity to verify that this item is even mine or belongs on my credit.I have never even heard of the original creditor to which is listed. I will sue if this item is not removed.
Consumer complaint received 2016-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Immediate Credit Recovery (TX)

I received a letter from Immediate Credit Recovery stating I owe them {$74000.00} In student loans. I called XXXX The department that manages my student loans and they confirmed that I only have XXXX in student loans total. There is XXXX in interest. There are two problems here. 1. I do n't owe XXXX and there is another company already garnishing me for XXXX. Between the two companies they are taking XXXX every two weeks from my pay. That 's XXXX per month and XXXX in the 2 months that have 3 pay dates. How can two different collection agencies garnish you for the same money. Immediate Credit Recovery has also reported double loans to the credit bureau so that now it looks like i have twice the loans in default than I actually have. My credit is bad enough without it doubling up on default payments. i spoke with them back in XXXX about lowering the garnishment amount and they refused. I made arrangements to make payments from my credit card but they have not been taking the payments. I have called and got put through to a voicemail box and no return call. They have no problem calling me 19 times a day when I 'm at work or in bed, but when I call them with a problem I get no response.