davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

My husband lost his job in XX/XX/XXXX and was unemployed for almost XXXX months. He has recently started a new job with XXXX and we are getting our finances back on track. However, by the end of XXXX, I struggled to keep up with the payments and my student loans became dangerously past due. On or around XX/XX/XXXX, I arranged a {$250.00} student loan payment on line. I did not realize until it was too late that I had forgotten to change my banking information and the payment was rejected by my bank. ( I have since cleared this up. ) I called AES to discuss further options. On XX/XX/XXXX, I was told by a representative that I qualified for XXXX-day forbearance. When we discussed the unfortunate payment error, she said, " do n't worry about it ; the forbearance period would cover the non-payment. On XX/XX/XXXX, my credit bureau monitoring service notified me that my credit score had dropped by over XXXX points due to a XXXX-day late payment reported by AES. This was AFTER I was assured that I qualified for the forbearance. 

When I called AES to inquire about this, I was told that credit reporting operated on a separate system and that credit reporting was " automatic, '' but that he would note the situation in my file. All of the representatives have been very pleasant and helpful. However, as I explained to XXXX of the representatives, I am a consumer. When a representative tells me " not to worry about a payment issue, '' I listen. My husband and I are XXXX veterans and have to commute 2 hours to work every day. We are responsible and have not missed a student loan payment in several years. We need to buy a home closer to our work. 

The problem is this. The loans with AES are a consolidated debt of XXXX different loans. When the loans were reported to credit bureau as XXXX days late, my credit scores dropped almost XXXX points for EACH LOAN. That 's approximately XXXX points!!! This is neither fair nor accurate. When payments are made, amounts are applied to each individual loan. The way this is set up, even if XXXX of the XXXX loans is late, ALL XXXX report late. No credit report can sustain and instant XXXX point drop in credit score over something this confusing. 

Like I stated earlier, I am a veteran and a responsible citizen. I struggled to pay the loans on time for the entire XXXX months my husband was out of work. It is not fair that I should have to suffer the insult of a XXXX day late payment due to misinformation that I was given. If I am late making payments due to neglect, then I would feel like I have earned this discredit. However, I was acting on information supplied to me by a company representative. I followed their rules. Therefore, I respectfully ask that the XXXX day late be removed from all XXXX credit bureaus so that we can move on with our lives.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

I fulfilled my contract with XXXX and all my bills were paid and current when XXXX ported my number, over a year ago, to XXXX XXXX XXXX. XXXX always billed me XXXX month in advance and they personally ported number my number over to XXXX XXXX XXXX and said good-bye. It was at the end of billing cycle and they always billed XXXX month in advance. My account was in good standing and paid in full during that billing cycle. Approximately, 3 months later, they called me claiming I owed them {$100.00}. I told them about this and they claimed they would clear it up. Of course, that did n't happen and they called me several months later saying i owed this money to XXXX. I told them this was not the case so they threatened me to report to credit agency and they did. They continue calling on many different numbers. I have blocked so many of there calls that XXXX wo n't let me block anymore numbers. They call the house and then my cell phone at all hours of the day and night and on all kinds of numbers across the country with many different agents. They are rude and XXXX agent literally yells at me. Please end this and make them remove this from my credit. I was a great customer of XXXX for over 5 years and this is most distressing. I will never do business with them again nor will I not pay them money when I do not owe them any money and if you do n't believe me, just XXXX the Internet and you will find hundreds of other folks with this exact same problem with XXXX. Ps. They never mailed me any written documentation and they all have the wrong address. Please help me.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (WI)

we have been trying to resolve our mortgage problem with a deed in lieu of filing. To this point we have signed all the paperwork and vacated the property. We were participating in the " cash for keys '' program. All the paperwork we have signed and submitted states the property must be in broom swept condition. Also we were told that as long as the property was vacated in broom swept livable condition we would receive some compensation. Now that the house is signed over and out of our control we were told that because we left items in the house we will not receive any compensation. All the items left were usable by the next owner. we were never told that the house had to be empty to the walls ... I have called my account manager numerous times and never get a call back I always have to contact them. My last contact was 11 days ago and I have still heard nothing.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had fraud charges that the bank refuses to investigate or support evidence that they have investigated the charges. I have {$8600.00} in fraud charges and they refuse to investigate vendor, do not support any documentation to support their decision.
Consumer complaint received 2015-09-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am very upset with Bank of America on the {$700.00} they have taken from my checkingaccount since XXXX of 2014 up until today. Numerous times they have accessed overdraft fees of {$35.00} for overdrafts and extended overdrafts even though my account balance was positive but because debit card and checks where presented that night and only showing a processing and not actually been paid they are accessing the overdraft fees. This should be against the law. To make matters worse direct deposits of my paychecks are showing but only being cleared the next day so that they can deduct the overdrafts first then process my direct deposits. Is there anything that I can do or a lawyer that I can contact to sue B of A to get the {$700.00} overdraft fees returned to me?
Consumer complaint received 2016-09-21
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Regional Management Corporation (TX)

This is in regards to the company Regional Finance XXXX, and I believe the parent company is Regional Management. Neither me or my information was ever used in this loan being taken out. This goes well beyond a typical identity theft situation were at least information was taken and verified before the loaner would file it against your name. This company used the mere fact that a USPS mailed, to the wrong address by the way, check was cashed with my name on it as justification to the verification of my identity. There was a contract as part of the endorsement that had a line labeled drivers license number, this information was simply filled out with bogus wrong information that was never verified by this company. This company has also played the run around game with me about how to get this resolved as well but this complaint is to the nature that I, as a consumer, was negatively effected by this practice and there was n't even the protection of verifying my identifying information before this was placed against my name. HOW CAN I BE THE VICTIM OF IDENTITY THEFT IF MY IDENTITY WAS NEVER STOLEN! This should be fraud by this company.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Association (TX)

Original creditor XXXX XXXX XXXX was paid by XXXX for services rendered as a result of on the job injury XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.
Consumer complaint received 2016-09-13
Product: Other financial service — Check cashing
Issue: Excessive fees — 
Company: TD BANK US HOLDING COMPANY (NH)

Received a check from a customer of mine. Their check was from TDBank for {$86.00}. So I went to TDBank to cash it, thinking that is where it was drawn ... TDBank was going to charge me a {$7.00} fee to simply cash the check! When I gasped, they told me this is an industry-standard fee! Not at my bank! 

For people unfortunate enough to not have a bank account, this is highway robbery!! There should be somewhere people do not have to pay a " poor tax '' just to get access to their own money! 

I personally bank with XXXX, the oldest credit union in the US and they have NO FEES -- other than overdraft fees, but theirs are among the lowest in the industry and they offer an even lower fee option when you link your savings to your checking. They offer all kinds of online banking, a smartphone app for mobile banking, great customer service, local and national discounts on insurance, travel, and other perks, convenient locations to me and travel support, so I know where to bank less expensively when traveling outside the US. 

So far I love everything about XXXX and would never bank with a such a short-sighted, fee-first company as TDBank!
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: TD BANK US HOLDING COMPANY (CA)

XXXX has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the nordstrom card that had unauthorized charges and nordstrom has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do
Consumer complaint received 2015-11-23
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

In XXXX of 2015 I initially applied for a mortgage pre-qualification in the amount of {$150000.00} through JPMorgan Chase. I was approved for the mortgage, but held off because of my upcoming marriage/pay increase. XXXX 2015 my wife and I re-applied through JPMorgan Chase for {$200000.00}, but this time we were denied on all levels for a VA Home Loan. The mortgage officer assigned to us stated that the {$150000.00} should have been denied as well and that the approval was a mistake. Both of the incidents have led to my wife and I losing hope on finding a house for our growing family. We are currently living in a XXXX bedroom apartment. My credit is good other than a few case that have since been solved or in the process of being disputed.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

Nelnet continue debiting my account after the loan was paid-off. They overcharged my account by {$400.00}. They claimed that it will take them 4-6 weeks to refund me.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Muskegon Car Credit, Inc. (FL)

I, m paying XXXX a month for 41 months on a 2007 XXXX sport vehicle think this is excessive The company I make payments is Orbit Leasing INC. XXXX, mi XXXX. VIN # XXXX Please look into this
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TX)

Franklin American Mortgage Company was notified by way of a conference call between me, my insurance agent, and a Franklin American representative that I was dropping my insurance coverage with XXXX and was picking up coverage with XXXX, XXXX XXXX XXXX. That call took place XX/XX/XXXX. My new home hazard coverage began taking place on XX/XX/2017. When Franklin American sent me a notice in the mail that they did n't have any record of my new coverage, I sent all the new insurance information from my declaration page. Two weeks passed. I received notice from XXXX that they had n't received payment from my escrow account and, I was about to be dropped from their coverage. That 's when the nightmare began. I had a week to prove I was covered. I placed multiple phone calls and waited for 30 minutes at a time with each person ( XXXX, XXXX, XXXX ) to be told continually that they had n't received anything in the mail. I had my new insurance agent fax a copy of my coverage on Friday, XXXX XXXX. I called on Monday and Tuesday, XX/XX/XXXX and XX/XX/XXXX and continually got the run around. Eventually Franklin American workers told me that the fax was illegible. I then faxed a PDF myself to the company. I was promised by XXXX that she would call me to tell me whether or not she received it and could read the information. I never received a call. I now had hours left before being dropped from coverage. I am a single mother who is a teacher. I clean houses on the side and tutor students to make extra money. In a panic, I ended up calling XXXX and they told me to avoid being dropped from coverage that I should make a small payment of {$240.00} and then whenever Franklin American finally decided to get their act together, I would be reimbursed. So that is what I did. I did n't have the spare cash. I will not go grocery shopping this week now. I stay updated and on top of things. I did my part and Franklin American failed me continually. Their customer service did n't seem worried about my finances or my coverage being dropped. I felt that certainly, incompetence played a part in this circumstance.
Consumer complaint received 2016-04-07
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

To Whom It May Concern : My name is XXXX XXXX and I would like file a formal compliant of XXXX and racial discrimination against, Springleaf. I applied for a loan where I was trying to consolidate some debt and because at the time : I advised them of my race and XXXX and I did get the loan amount needed. I had to use my car, XXXX Nissan Sentra, as a form of collateral in order to get a loan of {$2000.00}. I was advised that my payments would be no more than {$180.00} but I have been charged an online charge of {$2.00} each time I have to pay online. I was never advised of this information. I was also never advised completely of the high interest charges and now I 've learned that it will take me three years to pay off the loan. 
Springleaf also placed me on some type of program where I would get towing and other services but never provided me the information. It was until I made contact with their corporate office in which that information was given. Their corporate office claims that the factors surrounding my credit worthiness had nothing to do with race or XXXX and yet have not been able to provide me evidence upon request. 
Sorry, but I paid for a first-class service, and I expect to receive it. Please contact me within ten days to arrange talks in settling these affairs. In other words, I am seeking that the loan be paid out in full and satisfied. I am also seeking mental anguish and punitive damages. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-04-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (GA)

I BELIEVE I AM A VICTIM OF DECEPTIVE ADVERTISING. DISCOVER BANK SENT ME AN ADVERTISEMENT ASKING ME TO APPLY FOR A DEBT CONSOLIDATION LOAN. BECAUSE MY CREDIT IS N'T GREAT, I INITIALLY HESITATED APPLYING BECAUSE I KNEW CREDIT CHECKS FURTHER DAMAGE ONE 'S CREDIT SCORE. FINALLY, BASED ON THE SOLICITATION 'S " YOU ARE A VALUED DISCOVER CARDMEMBER, AND BASED ON OUR ELIGIBILITY FACTORS, YOU 'VE EARNED THIS SPECIAL INVITATION FROM DISCOVER PERSONAL LOANS, '' I DECIDED TO APPLY. I ASSUMED, SINCE MY XXXX SCORE APPEARS ON MY MONTHLY DISCOVER CREDIT CARD STATEMENT, THEY HAD ALREADY FACTORED MY CREDIT SCORE INTO OFFERING ME " THIS SPECIAL INVITATION. '' SURPRISE, SURPRISE! UPON APPLYING BY TELEPHONE FOR THIS CONSOLIDATION LOAN, I WAS INFORMED I DID NOT HAVE A HIGH ENOUGH CREDIT SCORE TO QUALIFY. IN SUMMARY, I 'M MAD FOR TWO REASONS. FIRST, BEING AWARE OF MY CREDIT SCORE, DISCOVER BANK SHOULD NOT HAVE TEMPTED ME TO EVEN APPLY FOR THIS DECEPTIVE OFFER. SECONDLY, DISCOVER BANK 'S CREDIT CHECK WILL ADVERSELY AFFECT MY CREDIT SCORE, A SCORE I AM WORKING DILIGENTLY TO IMPROVE.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Applied Data Finance, LLC (FL)

I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XXXX/XXXX/2016 Insurance loss check was sent to DovenMuehle Insurance for endorsement to pay for insured repairs to property. The check was in the amount of {$15000.00}. 
Two months later, XXXX XXXX, 2016 the check was returned to me for my signature at which time DovenMuehle cashed the check. 
On XXXX XXXX, 2016 ( three months later ) I received a check for {$5200.00}. The only correspondence I have rec 'd from DovenMuehle was the check and a blank lien waiver. Apparently, I was supposed to front all of the monies for repairs. 
XXXX XXXX, 2016, I returned the completed contractor lien waiver, via priority mail with a request to release the remaining funds. No correspondence from DovenMuehle. 
On XXXX XXXX, I called and after 30 minutes talked to the Loss Draft department who informed me that they needed an inspection before they could release the funds and that could not be completed for a minimum of 10 days. I was also told that this process had been outlined in their correspondence to me. I have never rec 'd anything from them regarding this claim. 
Please note that the insurance check was not the final XXXX it was in fact the funds necessary to complete the work. DovenMuehle has been retaining those funds for almost 5 months with no resolution. Can you please investigate?
Consumer complaint received 2016-09-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Glasser and Glasser, PLC (MD)

Based on information and belief, I have continued to request for validation and the alleged debt. I have, and continue to request for validation but to no avail. I never received any communication from Attorney XXXX XXXX XXXX. I did not make the charges that they allege, she did not submit a copy of the contract with the complaint.
Consumer complaint received 2016-11-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK (CA)

We had a water damage at our home. XXXX XXXX issued us XXXX check and a XXXX check to rebuild the home but put the bank name on the checks. The bank took the check for XXXX because that is the total amount that we owe on the house ( the loan amount is XXXX ) so they held that entire amount of the loan and refused to issue any draws off the total loan amount. The bank would not release the checks to us until the house was XXXX % complete. We put our own money into rebuilding the house, the bank came out and inspected the property and said the house is XXXX % complete. Then the bank would not release the XXXX check and is telling us that we need to endorse the new XXXX check and they need to put that new check also in an escrow account. Popular Mortgage Service of XXXX Ohio is currently holding over XXXX of my insurance funds, of which all repairs are complete, and then the XXXX which I asked them to sign over to us, they also will not allow us to have it and they want to hold that in an escrow account too. Please help.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (OR)

In XXXX XXXX of 2015 I received a postcard from Amsher Collection stating I owed Century Link {$290.00}. There was no other information given. I requested by mail a validation of this debt from Amsher. I have not received a validation. I received my credit report on XX/XX/2015. XXXX has placed a negative entry on my credit report. The entry states the date when placed on the report XX/XX/2015 and a balance of. {$290.00}. I do not owe XXXX XXXX any money. I do not know any dates associated with this account as none were given just that I owed it which I dont.
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (FL)

On XX/XX/2017 I noticed on my credit report there is an outstanding debt from XXXX for {$140.00}. I never had an account with XXXX. The collection agency had reported this to the credit bureau. I would like to get this removed from credit report. They referred to an account # XXXX.