davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (KY)

As of today XXXX XXXX, 2017 I am currently in debt to Ally financial for the sum of XXXX I admitted that because of my bankruptcy and other issues that have occurred hospital bills, etc I was unable to stick to the agreed upon amount initially, although I have been in contact with the lender the only option that I have to make payments was disabled and they are currently attempting to repossess the vehicle. I advised the supervisor last week the vehicle does not run nor is it driveable and I just wanted to resolve the issue so that I can clear my credit. I was advised they would continue repossession attempts and then the account would go to the charge off department if they could not collect since I did n't have the full amount. I called Ally financial today to inquire about the location of my loan the rep that I spoke with initially I am unaware of her name she became rude and irate stating that since I was refusing to give the car back they were going to take legal action. I explained to her that was not what I had been explained last week and I was not refusing anything the car did n't work anyways I just wanted to pay my debt I was transferred to the supervisor who was out until XX/XX/XXXX I then called back got XXXX who advised my account was in the legal department because I refused to surrender the vehicle I then explained to her over a period of five minutes from terminating the last call my account was moved none of this was making any sense to me I repeatedly asked her where the account was located currently she advised me the charge off option was not an option for m since I refused I then advised her again that I was not refusing anything I simply want to pay off the truck and try to work out this matter no I do n't have XXXX to hand over currently but all options for form of payment for me have been cut off by the provider I ca n't make an online payment with my debit card or anything. At this point I have to wait for the supervisor to come back or for my account to move on it 's on because no one is willing to accept my payments. Is this normal for a car that does not run for a creditor to be so rude and try to belittle you? I am only wanting to make payments but they are absolutely like payment in full or nothing. I do n't know if hey have followed the direct channels in this matter my account was not accessible through out this entire time period online for me to make payments and I only made two payments online because I was never told how to make payments online for bankruptcy individuals. I was only allowed to go to western union which is only accessible outside of my work hours. Please help me to resolve this matter or look into this matter so that other consumers do not get treated the way XXXX treated me.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

CFPB PLEASE PLEASE INVESTIGATE CHASE BANK AS THEY ARE STEALING MONEY FROM MY ACCOUNT!!!!!! 

my account was negative on onXX/XX/XXXX for {$67.00}. my daughter transferred {$70.00} by their cut off time of XXXX and XXXX XXXX eastern time. the money was in the account by the XXXX XXXX cut off time and per the last cfpb complaint I filed against chase I had the money in the account at the time they had stated. 

today, XX/XX/XXXX I 'm looking at my chase account and they charged me 2x {$34.00}. I am living off a fixed income and can not afford for the bank to cheat and steal my money so much. 

I asked them to reverse it and they came up with pathetic excuses that quick pay is different cut off time. how would the consumers know about their rules and regulations when we do n't work for chase!!!!!! I was told the last supervisor whom I spoke with, XXXX, and she did n't care to reverse the fees. These fees do not belong to me!!!! I followed their instructions on the time to have the money into the account and now they are trying to find another excuse to steal from my account. 

CFPB I am asking you to investigate the practices of chase and to not let them to continue to harass, cheat and steal from hardworking individuals. {$70.00} is a lot of money to pay for fees when the funds were in the account by the cut off time and I had complied with their cutoff times of what they had advised me in the past! 

I forgot to include, I talked to XXXX XXXX, who was a manager and she brought past overdraft fees which are irrelevant to the issue at hand. the issue is whether or not this current overdraft fees should have been assessed and the answer is no. in a court of law if past overdraft fees were presented as evidence to slam the character then it would be denied so what gives this manager the right to include it in assessing the refund of the fees. 

my money was transferred into the account by the cut off time and thats all that they should look at and the fees should be reversed.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I signed up for a " Free '' credit reporting trial with XXXX  months ago. When I signed up, it said just call to cancel. I have tried to call every month to cancel and have been unsuccessful. Experian has you on hold and never picks up. Today, after being on hold for 14 minutes, someone picked up then transferred me to another line where I sat on hold for another 15 minutes. Someone finally picked up after I had been on hold for 28 minutes and I was able to cancel the membership. Experian allows you to update your payment info online but wo n't allow you to cancel the service online. They provide you with a phone number to call but then never pick up. Meanwhile, your credit card is being charged every month. These practices are unfair to consumers.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I completed a balance transfer of {$4800.00} on XX/XX/XXXX to a Capitol One credit card. I selected this card as it was advertised with no interest on a balance transfer for 12 months and called to confirm this was the case before completing the transfer. I have just received my first bill and was charged an interest rate of 23.74 % on the balance transfer. There is no reason I would have completed this if this was the situation explained to me as it is beneficial to me in no way.
Consumer complaint received 2016-01-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

After many attempts to modify the mortgage on my home that was set to balloon I was forced to follow Bank of America 's advice and to short sale my home. 
My home has been listed since XXXX 2015. I received a purchase offer on XXXX XXXX, 2015 and submitted the offer to Bank of America. Two months into the process, with all documents submitted, appraisals complete, I was only waiting on Bank of America 's response. Bank of America abruptly closed my short sale file on XXXX XXXX, 2015 because they stated, there was a field missing my agent 's license number on the Bank of America Short Sale addendum. Instead of communicating this problem with me, Bank of America closed my file and told me I had to start the process, that already took two months over again. We just completed resubmitting all of the documents and I received a letter stating that Bank of America sold my loan to XXXX XXXX XXXX and I will have to start this process over a third time once this loan is transferred in two weeks. I believe Bank of America closed my short sale file because they knew they were selling my loan. Instead of allowing me to take advantage of the XXXX short sale that we were approved for and that they advised me to do, they sold our loan.
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

As a XXXXNavient customer, I was advised to take out forbearance when I could n't make my student loan payments due to employment or hard times. I ran out of forbearance during the summer of 2014 due to this advice. When I began making student loan payments, Navient misallocated my payments and put them toward the interest instead of the principal and interest for my student loan.
Consumer complaint received 2016-06-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OK)

I have been fighting for 8 years to keep my home. Now that we are in the process of modifying my loan they are trying to compound my interest and charge me nearly double what I owe on the home. Additionally the escrow needs to be recalculated with the new insurance and tax credit as they are currently using a negative {$1000.00} escrow shortage as part of the modification.
Consumer complaint received 2021-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

I received a letter that read " Final Notice '' from the company, Lien Enforcement , Inc., in the mail on XX/XX/2021. This was the first communication that I ever received from them. The letter said that they had made previous attempts to notify my of my debt of {$2300.00}, and that my account was unresolved and seriously past due. The letter threatened that if I did not contact them by XX/XX/2021, the company would refer my account to legal counsel for further collection efforts and take legal action if deemed necessary. The letter also mentioned that if I had an insurance policy for the vehicle, that I could consult them for help submitting a claim to them regarding this debt. The letter named the original creditor of the debt to be a towing company near me, where I had a vehicle towed two years prior. I had been in an accident, only had liability insurance, and ended up paying the towing company what I owed them for the tow and storage, and signed the title of the vehicle over to them. I called the tow company immediately to ask about it and they had no record of me owing them anything and in fact said that I was not even in their system because it happened so long ago. They told me not to worry about it. It seems clear to me that this is a convincing scam to scare consumers into paying a debt they do not owe but are tricked into believing they do. There are several XXXX reviews of Lien Enforcement , Inc., also hinting that they are a fraudulent company and share similar stories to mine. I have reported them to the Better Business Bureau, and attached a copy of the fraudulent notice they sent me.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MI)

Ever since my husband had his XXXX in XXXX, i have taken over payments. Paid more each month asking for the additional be applied to Principal. Every month they did not and keep putting it in some unapplied account instead and when it reached a full payment would apply it to the next payment due. Also I had to have him file bankrupt due to some unexplainable things before and leading up to his XXXX. Doctor thinking some early signs of XXXX. He stopped making payments in XXXX. I found this out after his XXXX in XXXX and almost lost my house. This never went to bankruptcy, even though the mortgage company insisted it had. They got a notice that XXXX of the parties involved filed for. I borrowed money to catch up the mortgage. Since then, I have paid most months {$1000.00} on a mortgage that payments are {$570.00} asking the additional be applied to principal. XXXX and the check itself and on the billing statement stub that was returned with each check. I have kept my payments up to date and they have applied enormous amounts of Legal fees and other fees. which no one can explain the what the " other fees are '' In XXXX I have sent them a total of {$3700.00}. Check # XXXX for {$1000.00} to apply additional to Principal, which it was not. Check # XXXX for an additional {$1000.00} hoping maybe if i sent only for Principal check they might apply it correctly. They are saying the never received that check had me fax a copy of the returned check from the bank to them, which we did on the XXXX of XXXX. They still have not credited it nor can they tell us anything about it. Then i sent an additional check # XXXX for the XXXX in fees they said we owed. said to apply this to the fees and they would be taken care of. Today i was told we owe {$530.00} in legal and other fees.. still! I am trying to pay ahead so that when taxes go up, I can still afford my mortgage. A lady from legal services talked to me enough to let me know it sounds like they are playing us Come on {$3700.00} total paid in XXXX for an account not late and paid up and extra there is a problem here. we had to file for state of emergency back in XXXX. I need to know where my money is going and stop all these enormous FEES. They are making my life stressful and sleepless. I am having medical issues and concerns over this. we are on the phone monthly with them for over an hour each time and they sy they put funds back appropriately, Next month, nothing changes. I have ALL my cancelled checks from the bank and all our conversations written down and my payments recorded as well as a copy of my payments with the instructions on how to apply them. XXXX statement shows past due but that is because they didn't apply things and stuck things in the unapplied account. at XXXX point they made principal adjustments and took money from my principal that said we were late.?
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

problem is with XXXX and transunion they keep reporting 2 of my account as derogatory And delinquent when both account should be reported as paid charge off. I was denied credit because of there neglecting of transunion and XXXX. I what it repair ore remove from my credit report
Consumer complaint received 2017-09-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (AZ)

reverse mortgage solutions is refusing to return a home insurance check issue on my Name and the mortgage company that was issue do to repair a kitchen zinc water leak that destroy the kitchen cabinets, unless the contractor furnish a XXXX, which the contractor being a big corporation denied having heard of such request before, so the contractor could not issue the IRS form XXXX. 
so the check is in their possession for more than 2 months.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I Called Navient early last year, and let them know my situation abut repayment. They told me that I did not qualify for a forbearance because i had already done it 3 time and was n't allowed to do it anymore. Then, they told me in order to get any help with repayment, I had to be past due at least 3 months. When that happened, they were able to adjust my interest rate down to 3 % for 1 year, which i thought was fantastic. But what i did n't realize was that after the 1 year had passed that my interest rate was going to be higher than it ever was at 9.5 % and it was going to keep getting higher each month after. They have no explanation as to why they did this. All of my private loans are currently set at 9.75 %. I feel as though something else can be done as I will never be able to pay more than minimum at this rate and it will take me longer than ever to repay these loans.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. 
False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

This letter is being sent to you in response to a account appearing on my credit report. Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.

This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2021-04-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

On XX/XX/2020 I contacted XXXX to apply for refinancing both my first and second mortgage. The home appraisal was not enough to cover both the first and second mortgage, so it was suggested that I apply for money-out refinancing on the first mortgage only. The applications were electronically submitted and {$20000.00} money-out for the first mortgage refinance was estimated on closing. 
The 21st Mortgage Company is the servicer of the second mortgage. It refused to resubordinate the second mortgage unless the entire second mortgage is fully paid off. The VeteransFirst.com can not proceed to this unreasonable demand. 21st Mortgage held XXXX the processing and completion of the refinancing by it's unreasonable demand to be fully paid, prior to allowing the first mortgage refinancing to be closed. This caused a lengthy delay, we are now counting one hundred and forty days and still waiting for the 21st Mortgage to provide the necessary papers to close. The terms/conditions it wants are capricious and untenable because there is not enough money to fully pay the second mortgage.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (SC)

They are reporting an account on my credit reports that is too old to be reporting. The FCRA states that negative items are to be removed from credit reports at 7 years from the date of first delinquency. They bought this debt for pennies on the dollar and do not have accurate information.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (MO)

Ad Astra Recovery Services company placed an invalid debt on my credit. I have been disputing this company since XXXX 2016, and I have given them more than enough time to produce documents proving this to be my debt. Ad Astra has failed to provide any of the requested docs that I asked for.
I HAVE NEVER RECEIVED ANY COMMUNICATION VIA LETTER, EMAIL, VOICE, ETC FROM THIS COMPANY NOR HAVE I RECEIVED ANY TYPE OF VALIDATION DOCS PROVING THIS DEBT TO BELONG TO ME. THIS IS ILLEGAL AND AGAINST MY RIGHTS AS A CONSUMER. I WANT THIS REMOVED FROM MY CREDIT REPORTS ASAP.
Also, the last time I communicated with this company, they stated that this is an " electronic debt '', which I have no clue as to what that means. This company has failed to provide me with the info they used to contact me .If this company is insinuating that " electronic debt '' is an online account, that would further prove my point that anyone can sign an e-disclosure, bc its done ELECTRONICALLY BEHIND SOME DEVICE, therefore that is not acceptable to use as an excuse of validation.
This account is being disputed and has not been verified, so marking it as disputed on my credit file will not suffice. According to my consumer rights if I dispute a erroneous account and has not received validation ... .you must delete the debt until solid proof is confirmed/ found. I will be escalating my concerns in regards to the violation of my consumer rights as well.
Consumer complaint received 2017-09-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Due to much needed repairs on the home, I fell behind on the mortgage. I began a repayment plan in XX/XX/XXXXand successfully made the first payment. When I attempted to make a second payment ( which would have bought the loan current ) I was told that since there was paperwork I did n't return, they cancelled the repayment plan. I tried another repayment plan, but was told that the repayment plan was rejected ( even though I had the amount for the down payment in the bank ). I was never given a reason for the rejection of the plan. I filed paperwork for a loan modification at the end of XX/XX/XXXX. It is now XX/XX/XXXX, and every time I contact the company, I am told I am either missing documentation, have incorrect documentation or there is something wrong with the documents I have given them.