davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

I had a student loan 30 years ago for XXXX I paid most of it off. I contacted Fed. Loan to inquire about it. They could not find one with my name and social. 
Finally they found it and stated that it went up to XXXX. I set up a payment plan and had them to automatically withdraw it from my account. I never missed a payment. They reported a 90 day late payment and it went up to XXXX in two months. This is wrong.
Consumer complaint received 2015-11-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IN)

I went to XXXX Univeristy in XXXX XXXX, IN. I took out private student loans to help pay for school and immediately began repaying them when the loans went into repayment. That was XX/XX/XXXX. It has been nearly 5 years since I made my first payment and my balance has n't been touched on the largest loan I have through AES/PHEASS. When I applied for these loans I was barely working full time for $ XXXX/hour and supporting myself on my own ... very meagerly. However, the lender informed me that if I qualify for {$1000.00} loan then I also qualify for a {$30000.00} loan. That was XX/XX/XXXX. How can being credit worthy for {$1000.00} mean that I 'm equally as creditworthy for {$30000.00} especially at that income? While I was in school it capitalized until it totaled {$45000.00}. I 've been paying more than my statement says I owe, sometimes by as much as {$300.00} ... yet the principal on the large loan still never goes down. 

So I attempted to take action, now I 'm scared I 'm being scammed again. I got a call one day from XXXX XXXX who said he was a financial advisor through XXXX XXXX. He put me in touch with a group saying the loans were predatory ( I agree ) and if I pay half what my loans were for ... their lawyers will prove the loans are invalid and will have them dismissed. Has anyone heard of XXXX XXXX XXXX., XXXX XXXX, or national legal staff support? These are the people claiming to handle my case, and I just recently was sent a power of attorney form to have notarized in case lenders refuse to release information. I am afraid to go forward any more than I already have until I know this is n't a scam. How do I fix the damage I may have already caused myself by following their directions and not paying the lender? 

I feel like without doing something, I will never pay these loans off. Until last month, I 've paid faithfully, and usually more than I owe. I do n't understand how I 'm not getting anywhere when the bill says I owe {$95.00} but I have paid {$400.00}. Where is my money going and if I owe it, why is n't it on my bill!?
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We have a complaint against Nationstar Mortgage. There was no willingness to work things out for us, in order to help us! We have tried so many times to modify with them, so we could keep our home, which we love, and have taken such good care of for over 18 years! They instead raised the price of our mortgage, instead of reducing it! They Never had intentions to help us homeowners! We know other banks who have helped other homeowners to modify and keep their homes, Nationstar is not one of those, they are not interested in helping others!
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

On XXXX XXXX, XXXX XXXX XXXX XXXX who was servicing our mortgage loan XXXX sent us a letter indicating that we had to purchase flood insurance. In response to this letter we visited the XXXX of XXXX office to verify is our property located at XXXX XXXX XXXX XXXX had been classified or considered to be in a flood zone. They said no. We proceeded to contact XXXX who informed us that if we did not purchase flood insurance we would be in violation in terms of our mortgage loan. We then proceeded to purchase flood insurance. During this period of time we were under Chapter XXXX Bankruptcy Protection Case XXXX yet XXXX failed to notify Bankruptcy Court of a new added requirement that was neither part of the Chapter XXXX Confirmed Plan or part of our initial mortgage loan obligation. In XXXX XXXX we received a letter from US District of Oregon notifying us of a class action suite Case No. XXXX : XXXX identifying us of victims of flood insurance fraud. It was claimed that XXXX ( XXXX ) violated the legal rights of its consumer requiring them to purchase excessive amount of flood insurance coverage and by arranging for improper kickbacks for itself and/or its affiliates ( including in the form of commissions in connection with forced-placed flood insurance. Our mortgage loan was transferred from XXXX to SPS Portfolio Servicing on XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a similar letter from SPS Portfolio claiming that we had to purchase yet again another fraudulent flood insurance coverage. Our SPS loan number is XXXX. We remain protected under US Bankruptcy Chapter XXXX yet SPS has also failed to obtain approval and notify bankruptcy court of a forced insurance coverage that was neither part of our original mortgage loan or part of the confirmed Chapter XXXX Plan. 

Thank youXXXX XXXX XXXX
Consumer complaint received 2016-02-05
Product: Payday loan — 
Issue: Can't contact lender — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

For the last three months I have been harassed by Portfolio Recovery Associates alleging that I owe a payday loan from XXXX. I have no knowledge, no paperwork, no site information or no loan number of this payday loan they allege in the amount of {$300.00}. Secondly, the statute of limitations has expired in California for them to collect on this " alleged '' debt. I have sent them a cease and desist letter, yet they keep calling my home and my daughter 's cell phone. Apparently the lawsuit executed by CFPB against them has not worked as they are still using false and erroneous information and threat tactics ( they threatened me over the phone with a " warrant '' ) to get money that they can not even prove that I owe. And even if I did owe it, ( I 'm not saying that I did owe it ), the statute of limitations to collect on debts in California is 4 years. We also declared Chapter XXXX bankruptcy in XXXX, which was discharged XXXX/XXXX/XXXX.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I have been in repayment since XX/XX/XXXX with Navient for my college education that started in XX/XX/XXXX. Over this time I have been less than satisfied with the support of this company. 1 ) Loan 's are confusing : over the past 6 years they have changed the way I make payments and see my payment allocations ... bundling all my loans together, separating federal from private, and now they are broken down even further into many payments within each category. This makes it very difficult to know what you are paying and to where over the life of the loan. 2 ) I have high, but variable interest rates. I have been told by Navient that these interest rates never go down, but they do go up. over 13 % on some of my private loans feels like they are really setting me up for failure, and even though the libor interest rates have gone down in the past 6 years, my interest rates have only increased. 3 ) Taking out a total of $ XXXX in both private and federal loans from XXXX/Naivent, I started repayment with about a $ XXXX/month payment. Starting out in the work force in XXXX ( I was happy I even got a job ), this was very difficult to pay. I tried to lower my payments and instead of gviing me the option of an income based repayment plan, I was put into an interest only payment plan. so for 1 whole year my ( now about $ XXXX/month payment ) was only going towards interest and my principal balance was rising. 4 ) Due to the suspicion of my rising principal balance, I have called ( now ) Navient many times to try and understand not only my balance but my options. To date I have PAID just over $ XXXX to Navient ( monthly payments ranging from {$700.00} - {$1200.00} over the past 6 years ) for my $ XXXX loan, and to date have just over a $ XXXX BALANCE on my principal. One phone call with a representative told me that something did seem off, and that my principal should be about $ XXXX lower than what it was ( convo on XXXX XXXX XXXX ). This " initiated an investigation '', which concluded in no change in my principal balance. My complaint is that I feel I have been mislead, taken advantage of, and XXXX of my very HARD earned money for a $ XXXX loan I have paid almost double for already. Given the recent law suit against Navient, I realize I am not the only one. I do not believe that my college education is a given right, but there is a such thing as having integrity when administering student loans to students that are XXXX years old.
Consumer complaint received 2016-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (AZ)

I attended XXXX XXXX in XXXX, N.J. ( XXXX XXXX , XXXX ) in 2012. I was talked into taking out a Genesis to attend the XXXX-owned school. I was promised an education in XXXX that would get me a good job in the market.They used illegal tactics to induced me into taking out a private loan with Genesis to continue my education at the school. Their was threats and pressure to pay before the course was completed. What do I need to do to get my money returned from Genesis. The total cost for the course was {$17000.00}.
Consumer complaint received 2016-03-30
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (VA)

The balance now is {$290.00} and it was {$240.00} and we were sent a letter of default when we have n't missed a payment. The manager of this place will call you 4 to 5 times a day. She has called people of contact more than one time a day even when you tell her when you will pay and what you will pay they continues to call. This is harrassment and should n't be happening. She is rude and if she is doing us like that she is doing others the same way. We have had a loan before from another branch for more money and we were never treated the way we are now.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION (CA)

In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Revenue, Inc. (PA)

I was recently contacted by eastern revenue the debt collection agency telling me that I had a debt due of XXXX dollars from the XXXX college of XXXX. I put in a request to remove the charges from my account but I was told that the college policy states that I have to drop the class if I do not plan to attend it. But I did attend to take the class and I did, I went to the first few classes but the XXXX class in the professor told that I was not on the class role sheet. So I went to the financial aid office and they told me that my financial aid did n't go through and I do n't believe that was my fault. Because on my side it did go through. This past Thursday on XX/XX/XXXX I went to the school to dispute my issue again and this time I was told the reason why my financial aid did n't go through on their side was because I did n't apply for the XX/XX/XXXX financial aid but by the time I applied it was XX/XX/XXXX. I called the financial aid customer service and they were on my side saying it was n't possible for me to apply for XX/XX/XXXX if it was already XX/XX/XXXX. I believe nothing wrong happened on my side if anything wrongdoing was on the schools side.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VEROS CREDIT, LLC. (UT)

My car 's been towed by repo. So I tried to make payments and get my car back. 
Then I made the payments a week ago from now, and agreement with 2months extension, but I did n't get my car back yet. 
Now I try to call to them and talk about this, but they do n't answer. 

After read the critical reviews about that company 's services, I 'm sending this complain to CFPB because now I 'm so confused what I 'm gon na do.
Consumer complaint received 2016-03-02
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: BlueChip Financial (DE)

A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (GA)

This is the XXXX time Citi Cards has closed accounts I 've had with them due to recent inquiries despite the fact that all of my accounts are in good standing and I 've had several of them for well over a XXXX now. I have found them very frustrating to work with trying to get my accounts with them reopened and I want a real solution to this matter or at least having Citi remove the XXXX XXXX, XXXX accounts removed from my credit reports. 

My very XXXX Citi card was a Citi Forward account opened XXXX 2013 and that was used to build my credit. It astounds me that none of that has been taken into consideration with regards to these account closures they 've done on me. I do n't like the deceptive bait and switch tactic of approving me for these accounts and then closing them like this.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2016, I stepped into a Bank of America branch to make a deposit. I was alerted by the teller to contact Bank of America customer service ASAP as there was a flag for suspicious activity. I completed my deposit and returned to work in the same area as the branch I visited, XXXX, CA. My phone and wallet had previously been stolen. BoA was aware of this. I contacted Bank of America and discovered that, at the same time I was making a deposit, my card was being used in XXXX, CA over XXXX miles from where I was making a deposit. Bank of America refuses to honor my claim even when presented with this evidence. I have supplied the bank with a police report and supporting details and after XXXX evaluations, BoA will not issue a credit to me and has closed my account.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Experian and collection or financial company by the name of XXXX XXXX XXXX XXXX XXXX have been reporting inaccurate information on my credit report. The account number is : XXXX I have written the company XXXX XXXX XXXX XXXX XXXX with a debt validation letter and they responded back after a cease and desist. They never sent the legally required document that suffices a debt or a debt validated. They have multiple consumer violations within their letter and letterhead. I would like the account removed and compensated no less than {$100.00} and not more than {$1000.00} per violation. 
The certified mail tracking number is : XXXX All supporting documents will be included.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Sterling Infosystems Inc. (WV)

Sterling Infosystems conducted a background check on me for employment with XXXX and there was false information on my report. It said that I had a felony charge for disorderly conduct and a misdeameanor charge for assault which is also not true. I was charged with a XXXX in 2010 and a XXXX, not a XXXX in 2010 as well. Because of this, my job offer was revoked and the company has yet to send me the proper paperwork to dispute the claim with them. The background check was completed last month and I have been trying to get this straightened out. I want this taken off my record and they also only verified the information by my name and nothing else. They have caused me to be unemployed and out of a job because of a careless mistake on their behalf.
Consumer complaint received 2017-01-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc. (CA)

Received a letter from Comenity Bank advising me they did not have enough information to complete my credit card application for XXXX XXXX ( Retail store ). They also quoted my credit score in the letter. I have never heard of Comenity Bank nor have I ever shopped in a store by the name of XXXX XXXX. When I called them to let them know this is a fraudulent application they said unless I provided my DOB and SSN # they could not assist me. 
I want the inquiry removed from my credit. My real concern is about the bank and their practices. Who are they, where are they?? The letter has a reference number on it, why do they need my personal and confidential information to take a fraud report? They must know who I am they mailed the letter to the correct address ....
Consumer complaint received 2015-03-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (RI)

This is the second complaint, after the 1st complaint to cfpb CASE # XXXX, My mortgage company Nationstar, lost XX/XX/2015 payment that I sent. So being 2 months behind I tried to make a payment, they rejected saying that I was 4 months late. Yeah, I was 4 months late because they lost XX/XX/2015 's payment. Of course they put the burden on me to find out where it went, they gave me a " fax '' line to a " research department '' to send proof. I sent them a XX/XX/XXXX statement on the XX/XX/2015,. I learned on XX/XX/XXXX they sent out a letter stating that to of no fault of there 's they could n't find anything & closed the case. The letter sent stated that if I had any added proof to send it. I then drove to the bank had them send over a statement and the electronic copy of a check on XX/XX/XXXX. I called on XX/XX/XXXX and they told me they ca n't tell if the research dep. received it or not because they ca n't talk to them, no one can talk to that department I was told. Today is XX/XX/XXXX, & I sent all the info again via fax,, its funny how they want me to send it to a fax #,, I 'm so tired of being helpless,,, I 'm mean really, There trying to force me into foreclosure because of the modification & the complaint to cfpb, when I called to ask why wo n't they accept a payment, they said I have to make a payment resolution or nothing at all,,, meaning I have to pay all 4 payments or they put me into foreclosure. 
How is this fear? I ca n't come up with four payments,, this is totally not fear, and people are losing their homes when they can afford them. I 'm losing my house because they wo n't let me pay them,,, and why is this modification taking so long? These people are making up rules & breaking the law in many cases and no one is looking into this stuff,,
Consumer complaint received 2016-10-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NATIONSTAR MORTGAGE LLC (KS)

XXXX XXXX XXXX is a unknown debt collector who misrepresents herself as an attorney for the consumers debtor Nationstar. XXXX is not an attorney when attempting to collect a debt the consumer, creditor and Principal is due. Nationstar and XXXX filed a masquerading Foreclosure action attempting to seize the Lender, creditor, individual loan originator and secured Party consumers assets. A action of this type is also an foreclosure against the United States of America since it involved instrumentalities of interstate commerce.
Consumer complaint received 2017-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (MI)

In XX/XX/XXXX my fianc had to be placed on short term XXXX to prepare for his XXXX. The XXXX took 6 weeks to kick in and I was worried since he was over half of the house hold income that we would fall behind on the mortgage with Quicken Loans. I was looking on the website to see if there was a 'skip a pay ' option like with my car loan just so we would n't be late the one month. I came across a " Application for Success '' form and filled it out thinking it would help us with the one month payment we were worried we would n't be able to make. Upon completion of the form I received a phone call explaining to me that the form was for a loan modification. I explained that a loan modification was n't for me, as I was not looking to harm my credit and modify my mortgage agreement. They said I could cancel it as it never happened. I never submitted the signed application as they said I could just cancel. A month later I received a letter from Quicken with an adverse action notice on my credit report. I again called quicken to see what it was about. They said it was part of my loan modification process. I explained again that I did NOT want a loan modification that I did n't understand what I was filling out because no where did it say anything about a loan modification. They said they would fix this and get back to me. They never got back to me. Now there is a {$120.00} fee on my monthly payment for the modification I supposedly applied for that I never wanted. They will not take off the fee. I needed help as we were drowning in bills missing 60 % of our household income, not added bills causing me to be late on the mortgage. I have requested calls from managers to explain why I am being charged for something that I never wanted and have not received a call. I have a few emails from a customer service rep assuring me someone will call but its been almost two weeks and no call. In the meantime my payment went from {$950.00} to {$1000.00}. I feel cheated and scammed.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

Borrowers submitted request for mortgage assistance and attached all required information, including Request for Mortgage Assistance form, proofs of income, bank account statements, 2014 tax return, and IRS Form XXXX. Subsequently, borrowers received correspondence from customer service stating that application is incomplete with the same forms previously submitted attached.