davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (PA)

I fell behind on my mortgage XX/XX/XXXX as a result of a significant piece of my income being removed. In XXXX XXXX XXXX started foreclosure procedures against me and at that time, I filled out the paperwork for a loan modification. I sent the hardship letter and all documents they requested. They approved the loan modification on a trial basis. I had to make XXXX payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. I did this by calling them as instructed, paid it over the phone, once cleared they provided me a confirmation number and I recorded that, as well as, the agents number. In XX/XX/XXXX during the last part of this modification, XXXX XXXX told me they sold my mortgage to Selene Finance. AS I paid the last of the three payments, I asked the agent, if they were going to send me my modified agreement and I was told no, XXXX XXXX would be doing that. I never received an introduction letter from XXXX, however I did receive an invoice showing that I owed in excess of XXXX. I sent them a letter, with all the documents requesting where I send the modification payments too, and asking where the documents were that I was told they would send. I received a letter from them stating they would look into it over the next XXXX days. I waited and waited. By XX/XX/XXXX, XXXX I sent them another letter, along with a check for close to XXXX to show I was holding the payments for them, I just needed them to send me the documents and tell me what else I needed to do for this modification. I pleaded with them. They sent me a letter and told me I was denied because I stopped making payments. Now my house is up for Sheriff sale on XXXX XXXX, XXXX - just XXXX days away. I feel like they duped me and they are n't honoring what they should be. In addition, I cant see where the payments I sent XXXX XXXX were ever applied either. I need help ASAP, I am about to lose my home and feel like I have no way out and on one on my side. Can you help me?
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
Consumer complaint received 2016-10-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CO)

I have a small private student loan with American Education Services with XXXX. 
My loan is in good standing and I make regular payments well above the minimum and have an auto-debit feature for increased payments. 
On XXXX XXXX, 2016 I entered XXXX. 
On XXXX XXXX, 2016, AES processed an automatic enrollment in a deferment without my knowledge and against my best interest since I was at least a XXXX student. 
I immediately protested on the very next day and asked for the deferment to be removed since I intended to make payments regardless of my status as a student as is my right. 
An agent of AES contacted me via email and claimed that it was in my best interest to have the loan in deferment, since the loan was subsidized and I would not pay interest. 
I responded immediately via email that the loan was not subsidized and a deferment was not in my best interest because not only would the interest accrue but I would lose the rate reductions in place on my automatic payments and the loan interest rate itself would rise because they charged more during deferment periods than payment periods. 
The agent claimed that was not true but they could process a removal of the deferment. 
I responded via email to reverse the deferment, it was not in my best interest. 
Another agent responded via email that I was in fact right, and they could reverse the deferment and put my loan status and payments back as they were, but they would not accept any more email communication and they would not correct the loan status until I write them another communication via post. 
The loan is small, the rate is small, and the interest charged in violation is small, so It would not be in my best interest to escalate to the point of damages, but these agents have fiduciary responsibilities to service accounts in the person 's best interest and can not change the considerations to the agreement to best fit their bottom line especially when a violation like this is immediately caught, protested, and a request to return to a payment status is made.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (VA)

I have been a member with Navy Federal credit Union for many years now due to some financial hardships with me my spouse. We both have Navy Federal accounts. I have called in the past to see if I could overdraft my account until my check which was pending at the time would be posted. I was allotted a one time overdraft fee to overdraft my account up to {$500.00} since then I have gone into the the rear my paycheck, which would not show as pending deposit would be deposited and prior transactions that shouldve deducted before my check was deposited would be subtracted from my paycheck after it is posted.being with XXXX from my direct deposit after the fact and not before the check was posted causing my account to go overdraft and then receive overdraft fees per transaction. I am enrolled in the overdraft protection program and I have required over the draft amount fees several times and theres nothing that they can do about it. It shows differently on their end when I called and ask about why my account is overdrawn. Ive asked to be credited which that has happened once but other than that if I am in the overdraft protection program, then Im not sure why I am getting charged {$20.00} for each transaction that deducted from my account
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

Today on XXXX/XXXX/XXXX, I went into the chase bank branch located at XXXX XXXX XXXX, XXXX, TX XXXX and I was mistreated by XXXX the branch manager. I was told by Chase Loss Prevention to go into the branch to make my opening deposit and show XXXX forms of ID to the banker. I did this and called the LP department back to remove my online suspension. They said we need a banker to call us while you are at the branch. I go back and follow the LP 's instruction and XXXX the branch manager went into the system and lied and said that she could not identify me which is not true because video will prove otherwise and then she accused me of having an account with them in XXXX which is not true. I even explained to her that I had my credit frozen due to identity theft and she did not care. I told her that the only thing she was suppose to do is have me verify my external account from where my funds were transferred from along with my ID. I did everything I was told but because I am XXXX XXXX she flat out called me a liar and said I will make sure that my team closes out your account today because we do n't need your kind to have an account here. I have never been so embarrassed and treated so unprofessionally in my life. Now the bank is closing my account because of a deceptive practice that XXXX did in the computer system.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I started paying my students loans ( total balance $ XXXX-interest rate 7.125 % ) in 2008 upon graduating with a XXXX degree. I have paid {$14000.00} since 2008, with {$10000.00} towards interest and {$3500.00} towards principal balance. My loans were sold a couple times, ending with American Education Services ( AES ) as my most recent loan provider. I have had multiple conversations with AES over the years regarding public service loan forgiveness and Title 1 loan forgiveness. I am employed as a XXXX in an urban district. I was advised MULTIPLE times that I was on track for both loan forgiveness programs, with the AES representatives even stating the number of remaining payments I have left to reach 120 payments for public service loan forgiveness. Come to find out during a recent conversation with AES, that my loans are NOT eligible for forgiveness despite their advisement on multiple occasions that they are eligible. Essentially, they have been collecting my money and putting the majority of it towards interest and claiming I am halfway to forgiveness, only to find out that money is going towards nothing and I need to refinance my loans into a direct loan to be forgiven and need to restart the 120 payments. I feel misled and ill advised by professionals who should be helping me to pay off my student loans, rather than feed their bottom line.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

i keep getting credit card offers from Chase bank acting on behalf of other companies like Southwest, Marriott etc, i have called chase and they keep telling me i wont get anymore but i keep getting them, i subscribed to XXXX etc to stop getting pre-approved applications how else can i stop this. it just seems that chase can do whatever they want with no consideration to the public 's wishes
Consumer complaint received 2016-09-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

This is a follow up dispute in response to the companies response to complaint # XXXX The first thing I want to bring up is that in my discussions with SPS over the past 3 years, I have been told the same thing that " we are in the process of rescinding the sale/foreclosure '' or that the foreclosure '' NEVER was completed ''. So that is nothing new. Secondly, their response does not address the damage to the property that occurred under their control, and as a result of said damage, combined with the market, the value is much less than the XXXX deal offered in their reply. The property was sold at foreclosure for {$110000.00}. They also fail to acknowledge the fact that, until they restore the property to my name I CAN NOT/WILL NOT sign any legal documents relating to the property
Consumer complaint received 2016-10-06
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Fortune Title Agency, Inc. (NJ)

I used Fortune Title Agency 's Services for my closing. Six months later, after not receiving a tax bill I contacted my local tax office to inquire. I was informed that my taxes and water/sewer were both delinquent and the property was not even in my name. Tax liens and judgments were to follow based on non-payment. turns out that Fortune Title Agency failed to register the deed with XXXX XXXX, thus causing a litany of problems and subjecting me and my property to enormous liabilities. I am still considering suing them for breach of contract, negligence and negligent misrepresentation.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (DC)

I opened a business checking account with Chase Bank on XXXX XXXX, 2016 at the XXXX location. I live in XXXX and chose to drive to the XXXX location, XXXX hours away, because I had received advertisement for a {$500.00} bonus for opening a business account. While in the branch, I provided the banker, XXXX XXXX, with all necessary information, including my social security number and card. My account was opened, and I deposited {$500.00} into the account. On Saturday, XXXX XXXX, I received a letter that indicated that I had failed to provide my social security information when the account was opened and the account would be closed if I did not provide the information as soon as possible. 

Up until then, I had not received any contact from Chase that would indicate there was a problem with my account. I called Chase immediately, and I was told that my account was fine and to disregard the letter. On Monday, XXXX XXXX, I contacted my banker, XXXX XXXX. He stated that there was actually a problem with my account, and he would need to research the problem. After researching the matter, he called me on XXXX XXXX and stated that Chase had failed to record my social security information. He stated that this was completely a bank error and that he would fix the issue and my account would remain open. However, he asked me to re-sign the information I had provided in branch on XXXX XXXX and fax him a copy of my social security number. He faxed me the document I would need to sign the following day. On XXXX XXXX, I faxed a copy of my social security number and requested document. 

On XXXX XXXX, XXXX XXXX called me and stated that the account had been closed on XXXX XXXX, and that Chase would not reopen the account. He said that he had argued with management about reopening the account, but told me that management had chosen to close the account permanently. 

I am shocked and appalled by Chase 's actions. This entire problem was due to their incompetency and now I am must suffer the consequences. I still have not received the initial {$500.00} deposit I made on XXXX XXXX, nor have I received the promised {$500.00} bonus.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid XXXX to open a secured credit card. It wasn't enough, so I added another XXXX. They closed the account when I lost my job. Refused to refund my full deposit and refused to let me use my card AFTER I paid off the balance.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc. (TX)

I contacted this collection agency after viewing a collections account I was unaware of on my credit report. I explained the situation and stated that I was not interested in negotiating but rather would pay in full, pending receipt of notice that the account would be deleted from my credit report. The agency told me that the apartment complex who sold them the debt would have to remove it from my report. After speaking to the apartment complex and credit bureaus and finding this information to be incorrect, I called the collection agency back and explained the situation. I asked the agent to mail me the afformentioned letter, but he was pushing to have the account paid TODAY, which I understand as sales person is a common sales tactic, and likely the only way he will personally yield a commission from my payment. I explained to him that I was the one contacting them and I was interested in paying once I received the letter, regardless of whether it was hand delivered today or I got it next week ... He IMMEDIATELY raised his voice, started talking over me, became very unprofessional in his tone and demeanor and began threatening to take legal action against for for " attempting to barter ... '' Which from what I understand is not only not illegal, but I 'm also not bartering as I legitimately NEVER received a bill for this unknown debt ( charges for an old apartment following a move out ) and only know of it from accessing my credit report. Again, I CALLED, with FULL WILLINGNESS to PAY IN FULL, and was countered with abusive language and lack of professionalism.
Consumer complaint received 2017-01-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 've been applying and submitting some documents to Bank of America loan modification department since XX/XX/XXXX. They have been losing my documents and/or just giving me a run around. It 's a XXXX loan Heloc with balloon payment program. They have been assuring me that they 're working on getting me a loan modification while at the same time, they are also working on foreclosing us since they have filed a notice of default in XX/XX/XXXX.
Consumer complaint received 2016-08-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I bought a XXXX Dodge Ram XXXX at a used car dealership in XXXX VA in XXXX. The Initial loan was for XXXX dollars and financed through XXXX XXXX auto. I was young at the time and accepted the high Interest rate due to High pressure sales tactics used by the dealership. I thought I would be ok but I was outside of my means financially. Even though I made all my payments some were late about 2 years into my loan the finance company was Bought out by Santander. After 6 years of making payments they claimed that I owed them XXXX dollars. I explained that that was more than the initial loan they responded that since my payments were late it was all going to interest instead of the principal. I told them I was in the military and that the truck barely runs and pleaded to make some kind of deal they dropped my interest rate down to XXXX percent and I have been making more than the minimum payment well ahead of schedule from then on. Currently my balance is now just over XXXX dollars. I have paid almost XXXX dollars for a XXXX used truck and to say the least its been a huge burden in my life. I sought out legal help and was told there is nothing they can do I tried to contact the company and make several deals and was turned away. Granted this was a great learning experience for me financially but I still think I am being treated unfairly. When I asked them to send me the original loan details and payment history they sent me someone else 's information my argument with the company is that how do I know that mistakes have n't been made on my account if they cant even send me the correct information the first time.
Consumer complaint received 2016-11-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I did ask my lender ( Citimortgage , Inc. phone XXXX ) multiple request to waive the escrow account and the company denial my request for the reason they said is loan-to-value ( LTV ) ratio too low, now at current value of 84.36 % .but this value it was calculated in XXXX when they original appraised value of the property of $ XXXX.I recently appraised the property using a private appraiser and the property value is more higher but CitiMortgage do n't want to accept it, and then I request the company to do their own appraiser but they do n't want to do it.That is the mean reason for this complaint and I do appreciate any kind of help from you. 
Thank you.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (GA)

XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to XXXX XXXX. XXXX XXXX accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a XXXX day period in which XXXX XXXX agreed. I called XXXX XXXX, XXXX back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from RPM ( Receivables Performance Management collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, XXXX XXXX, XXXX. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.
Consumer complaint received 2024-11-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

Synchrony Bank which does financing for Amazon XXXX. 
Charged approx {$990.00} dollars XX/XX/year> with 6 month deferred interest. Overpayments made after were applied to the deferred interest as opposed to the non promotional balance. XX/XX/year> shows owing aprox XXXX on promotional and now have to pay {$650.00} on non promotional or pay interest. I asked why the overpayments were not applied to non promotional. There is no way to break out where you pay when making payment. I requested that the overpayments be corrected and applied to the non promotional and was declined with the following response. 
Thank you for your recent inquiry regarding your Amazon Store Card account, and the opportunity to be of service to you. 
Federal Regulations require that we apply amount in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest until the payment is exhausted. There is an exception to this rule for deferred interest promotion. In the last XXXX billing cycles before expiration for any deferred interest promotion, any amount paid in excess of the required minimum payment amount must be allocated to the expiring deferred interest promotion. 
Unfortunately, we are unable to accommodate your request as, XXXX We are only able to reallocate payments to and from deferred interest promotions. We will only reallocate a payment if the request is made within 60 days after the transaction date of your payment as shown on your statement. Payments can not be reallocated from an expiring deferred interest promotion. Payments can not be reallocated as it is less than or equal to the minimum payment due. Payments you requested to be reallocated has not been received