davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter XXXX Section XXXX MGL Chapter XXXX Section XXXX. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section XXXX or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (DC)

I have an unreasonably high payment and interest rate with Chase that - alone - is 20 % of my monthly income. If I were able to consolidate it with my federal loans, I would easily be able to make the payment every month. Instead, I am deferring my federal loans because they allow it, and paying my other private loans as I am able, but forced to pick and choose on a monthly basis which I am able to pay. I have looked into every possible consolidation option, but they all require a decent credit score. I have terrible credit as a result of student loans, exclusively. 
I have explored every possible option with Chase to lower or reduce or delay my payment. They are unwilling to work with me in any capacity, and have repeatedly shunned any effort that I have made to attempt a solution that is tenable. I budget very well, and I have attempted to raise my income in numerous ways. However, my negative credit is affecting my employment advancement, as many employers consider credit history, which in turn is affecting my ability to raise my income enough to meet all my payments. If I were able to consolidate with my federal loans, I would happily go on income-based repayment and repay the loan faithfully until it is paid in full, but this is somehow still not an option, and I did n't understand the difference when I was XXXX years old, and the interest rate was lower at the time than the federal loans, and thought I was making a practical financial decision. I am not attempting to shirk my responsibility, but there are some months when I decide between paying all of my loans/rent/vehicle, versus buying groceries. How is this right? What did I do wrong? What can I do now?
Consumer complaint received 2015-07-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (ND)

I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, XXXX XXXX XXXX XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I paid Loan Depot {$2500.00} for the Lender, ( Loan Depot ) to get this loan for me and lock my interest rate in at 3.75 %. Between XXXX and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of mine that I can see, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot another origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with XXXX and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. As far as I am concerned Loan Depot knew full well that it was not me dragging my feet or holding up the process but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed anyway before they raised the rate against my will again.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC (TX)

XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. 
I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

To whom it may concern, I 've been a member of the XXXX program for years and hold an AMEX Corporate Card so my name should be on file for quite some time already. 
I applied for a XXXX American Express card but this is being refused after several attempts to confirm Social Security details. The issuer rejects evidence provided and keeps requesting additional proof. 
After XXXX attempts to e-mail/upload an electronic version of my Social Security number ( the XXXX not accepted, the XXXX -upload- never available online ) AMEX asked me to obtain an Original Letter from the SSA and mail to AMEX HQ in XXXX XXXX XXXX , Utah to have this processed ; only to find out ( on my, n'th call ) that the document has not been accepted and now require a Compulsed copy of my SS Card ( also by mail ). 
Thus, SS numbers should be accessible for the CC Issuer to check at any time, and confirm with the local agency. This process started with my application, probably 4 months ago. This is clearly unacceptable. There must be other ways to proof SS or credit worthiness ( current bank accounts, fraud lists etc ). 
Sincerely
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (CA)

Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that one was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left XXXX voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..
Consumer complaint received 2015-07-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My Bank ( HSBC ) constantly shuts off my credit card without any notice, after making a " large '' payment. Large to them is around {$200.00}, which is not large to me. I make payments in this amount often, and to the same vendors. I understand if it has to do with Fraud Protection, but it doesnt. Usually when there is a case of Fraud on my card where a large purchase ( always more than {$500.00} ) is made to a strange vendor, HSBC calls me and notifies me as they have placed a hold on my card. But in this incident, they have turned off my card without any notice and it was unpleasantly declined. I do not appreciate HSBC turning off my card or funds WITHOUT notifying me. It is wrong and inconvenient. Especially when it is an amount that i always pay to the same vendor.
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (MO)

In XXXX of 2011, I lost service from XXXX XXXX for over 3 weeks. During that time, no technicians could come to properly investigate why none of my services were working. When the technician arrived, he told me that the issue lies within another technician disconnecting my services and using my line to work for another household. He rectified the problem, and I let XXXX know that I had XXXX services from them for that time and would need a prorated amount. I paid the XXXX $ that they owed, and paid the next months bill. They continued to try and charge me full price for the 3 weeks without service. 

Skip ahead 2 years, I had XXXX XXXX again in the XXXX market for 2 more years with no issues, but then they attempted to send my account to collections even though i was a current customer!
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Upon checking my online account I realized {$50.00} had been deducted from my account and I didnt recognize the amount as any debt I owed. I clicked on the source of the payment and contacted the company from the phone number listed for the merchant. When I called the number, I got a recorded message about obtaining a medical alert device. I made a call to my bank to inform them of the unauthorized transaction and filed a claim against the unknown merchant. I was informed that the bank would conduct an investigation and my debit card would be cancelled and a new card would be issued. This caused me financial problems because I had other payments that needed to be automatically deducted by the canceled debit card, which cause the payments to be returned unpaid. The refused to accommodate my request to keep the debit activated for the purpose of paying my debts. I later had further problems with my bank concerning a hotel deposit of {$100.00}, that was released at the end of my hotel stay, but the bank refused to add the deposit back to my account for my use of the funds. I asked for contact with a department of the bank that handles member complaints concerning the representative that appears to be deliberately misleading and holding back my access to my funds. The representative refused to provide me that information. Therefore I am filing this complaint.
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. 
Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! 
Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! 

So currently my money is permanently stranded in my Capital One Account. 

When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. 

It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then XXXX solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! 
A SS number is simply XXXX way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. 
All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.
Consumer complaint received 2015-06-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Navient has been harassing me and my co signer for about two weeks now in regards to a payment. The issue is that their system is not allocating the correct money to the XXXX accounts hence why XXXX account is being over paid and another loan account is being shorted. Notes have been placed on the account and not XXXX person that works there has fixed this issue. The calls are about XXXX times per day per person, I have explicitly stated that this is harassment and they have told me they have placed notes to not call again but they still do. This is such a frustrated situation and I hope nobody and to go through this!
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

On XXXX XXXX 2015 I paid a bill of a shortage extra XXXX The mtg bill was XXXX for a long time so I always pay on time always well the next month with out realizing it the mtg bill went up to XXXX but I had paid the same. Well XXXX is what his name I think he said was calling every night screaming at me. I explain that I paid the shortage not understanding it went up XXXX XXXX. Which I did send and not without a late fee and keep in mind there was never no notice of a increase. I feel abused I have always paid on time and I do n't feel I deserved to be treated this way and I want to make a formal complaint.
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: CCB Credit Serivces, Inc (CA)

went to trade in XXXX. Contacted XXXX for lease pay off. XXXX gave us the information, paid it off. a few days After that occurred, XXXX sent us a notice and said it was considered a repo because it was an early payoff. XXXX said they were n't obligated to tell us that at the time we traded in the car. Tried to get the XXXX back they would not return the car to us. Had XXXX given us the information in the first place we would have never traded the car in. We did everything right the way XXXX and XXXX told us. XXXX nor XXXX alerted us to this issue. Now they want another XXXX for early lease, and other penalities.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion intentionally and knowingly reports different credit scores to lenders than consumers. 
Transunion has reported to me on XXXX different credit monitoring services credit scores that are XXXX point HIGHER than they reported to merchants when I recent applied for credit. 
This DUAL reporting system Transunion & other credit companies use causes consumers more money due to high rate loans and refuses for credit. I have been harm by several refusals for credit over the past XXXX days AND HIGHER interest rates for loans due to this FALSE reporting by Transunion.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have incorrect information on XXXX, XXXX and TransUnion reported by XXXX ( Medical/Health Care ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, XXXX and TransUnion, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX Bank acct # ending in XXXX for the date of last activity, payment history, status * and the dispute was returned verified. 

After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, 2009 ), this Notice includes
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Since XXXX XXXX, 2015 I have been receiving periodically telephone calls from Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX VA XXXX. On XXXX XXXX, 2015 at XXXX/PST I received the second phone call and spoke to XXXX in the Disputes Dept. She stated the person responsible for the credit card debt of {$500.00} lives in Florida, with caution I provided her with my last XXXX numbers of my Social Security Number. It did NOT match the credit card holder for this debt. She suggested I send them a disputes form online. I did not do so due to the personal information they were requesting. They obviously do not believe that I am not the person responsible for this debt. My name is a common name, they need to move on and stop harassing me with false accusations. Their standard telephone tactic is they will not identify themselves UNLESS the person answers confirms who they are. They also WILL NOT reveal information of the person responsible for the debt. Yet they INSIST on your information. How can you intelligently confirm you are not responsible for the debt if they do not cooperate. These calls have gone long enough and has violated my privacy rights as well as to continually harass me with false accusations. They have clearly violated the " Fair Debt Collections Practice Act ''. I want an end to these harassing calls and request your agency audit their business practices.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

After many attempts to have my home modified and treated fairly, it is my conclusion that based on facts such as my race, gender, age and XXXX Bank of America has denied me any and all assistant to maintain my home. I have provided all documents since this process started and all BANK OF AMERICA has provided to me been stressed, harassment and unfair practices dealing with mortgage assistant. 

I would like to file a discrimination charge against BANK OF AMERICA.
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (GA)

I have recently been approved for Mortgage Assistance payments though a State program, and the lender, M & T Bank is a participant of this program. In XXXX XXXX, the Mortgage Assistance Program paid for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX mortgage which caught up all that I had got behind in payments. The agreement made between the State Program and the Lender is to pay {$760.00} Mortgage Payments during the need of my assistance. I noticed that my XXXX XXXX and XXXX XXXX Mortgage Statement has XXXX Dollars ( {$70.00} ) Return Item/Other Fee ( XXXX ) listed where it was 'NOT LISTED ' BEFORE. This bank ( M & T ) is trying to sneak in fee XXXX s ) that is not warranted. I called M & T Bank on XXXX XXXX, XXXX regarding this charge of {$70.00} and was told it was a monthly inspection fee. There was no inspection ( s ) done - I have been unemployed since XXXX XXXX, XXXX and " NO ONE '' on behalf of M & T Bank came by to do a inspection. The next excuse was " someone could have rode by ''. Riding by is not an inspection to determine if the house is vacant or abandoned. This fee of {$70.00} " WAS '' added after the State Mortgage Assistance Program caught up my payments that I was behind.
Consumer complaint received 2016-01-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been making payments for over XXXX years to Capital One ( previously XXXX XXXX ). When Capital One took over XXXX XXXX, Capital One would charge me $ XXXX yearly in fees, which I did not have to pay originally with XXXX XXXX. 
In addition, every month for the past XXXX years, I have paid their interests fees, 3.25 % and some Principal, but my loan has never reduced to a logical financial satisfaction. In fact, my loan has increased. 
On XXXX XXXX, XXXX, I submitted a package to reduce my interest rate and therefore to reduce my Principal balance, due to a hardship ; and have spoken to and received letters from approximately seven different people. 
Lately dealing with XXXX XXXX, Loss Mitigation Specialist ; but she has misplaced some documents which I submitted. Unfortunately, I have misplaced my copies and requested a copy from them, but it was denied. All documents that I submitted were via Post Office, I do have a {$10.00} returned receipt. However, in her letter she does admit there were XXXX pages. XXXX XXXX, also requested additional documents that stated " no later than Friday '', XXXX XXXX, XXXX. The letter states that if Capital One does not receive the documents by that date, it will be denied and I would have to start another application package. 
Therefore, I am submitting documents and basically a new package again by Friday afternoon, XXXX XXXX. 
P.S. Not once in XXXX years have I been late in any payments.