davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC. (ME)

I held a credit card from XXXX XXXX XXXX XXXX. I had to retire from my job and was without XXXX payments for over a year. The date was XXXX and at this time I called XXXX XXXX and inform them. I also tried to make payments arrangements when I did received my XXXX, however they sold my debt to Midlands Funding LLC instead. I wrote a letter to Midlands and asked them to verified the date. They sent me a bill of sale with redacted information in it. I wanted to know what they bought my debt for and could we work with this amount. Instead on XXXX XXXX, XXXX they served me with court papers to serve me with the full amount they say I owe but blank out all in their so called verification of bill of sale. I called them immediately I explained that I can not pay them this debt in full as I am retired and collecting Social Security XXXX. I asked them not to contact me by telephone. I also ask them to discharge or settle this debt for what they paid for it not what they are claiming they are saying and they refused. I said ok I will pay you XXXX a month this is all I can afford. This said that was not good enough. On XXXX XXXX, XXXX Again I received notice from the law firm ( debt collector ) stating I did not respond to their request on XXXX/XXXX/XXXX. I again started I spoke with someone and told them on XXXX/XXXX/XXXX that I would send them {$20.00} a month and I did and will continue. I want them to verified my debt and not send me paperwork with redacted and blank amounts. I want them to settle this debt for a lower amount and let me make payments. They continue to accept my payments to this day but continue to want to sue me as well.
Consumer complaint received 2016-01-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CO)

The trouble with CitiMortagage began several years ago. I was XXXX. When the market fell apart, so did my income and I got behind on my payments. XX/XX/XXXX I started a new job at the company that used to sell me my materials. This job is indoors and offers consistent pay regardless of weather and the construction market. XX/XX/XXXX we started the process for a re-modification on our home. We were approved as of XX/XX/XXXX and set to make three ( 3 ) months of trial payments thru XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After completing this process we found that we had been denied due to some missing paperwork. A sale date of XX/XX/XXXX was set at this point. I complained to them about the fact that we had responded to everything they had sent in a very timely manner and that we had never received the papers they were referring to. They then sent the paperwork out, we had them signed and notarized and sent back in the same day. Then they told us that the previous paperwork had expired and we would need to refile everything we had done. She sent me the list and I got everything they requested sent off that same day. This all took place in XX/XX/XXXX. It was not until XX/XX/XXXX that they came back with an official denial of the re-modification. The reason they gave was that since I had to file for a re-modification twice in the same year they believed my situation had not changed. I was fully capable of making the payments and had done everything asked of me. It feels as though I am being bullied out of my home of 13 years. 
At the time of denial i was told that a short sale was approved. I contacted my realtor and we found a buyer and asked for a postponement in order to close. They have now denied the postponement claiming that I am not approved for a short sale. This was an FHA loan and I have been told that if a re-modification was denied that I am automatically approved for a short sale.
Consumer complaint received 2017-01-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (MO)

I have been very open and honest with Sallie Mae about my difficulty to repay my loans because I am not making what I expected after graduation. It took me 6-7 phone calls and multiple line transfers to receive what little help I managed to get. I was told by multiple employees of their company that my best and only option was to let my student loans fall into default so they could be send to a collection agency, where I would receive assistance. I have also been told to pay them or " else. '' I have been told that they " do n't have to do anything and do n't care about '' my issues with repayment. It is shocking how quickly their attitude changed when my loans entered repayment. When applying for these loans, I was led to believe that income-based repayment options would be available to me after graduation if I was unable to make the original set payments. I am currently using graduated repayment on the loans I have that qualified, but even with this option, the payments are still too high - almost half of my monthly income. I try to be financially responsible and do not want to see my credit and potential future ruined over their lack of willingness to work with their customers.
Consumer complaint received 2017-09-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

I submitted a request to remove an error on my credit report with equifax nearly XXXX months ago now. Since then they have ignored me 100 % and refuse any contact. 

After submitting a claim to the CFPB, equifax finally replied with a blatant lie stating that in my request for them to correct my credit score, I never listed what it was I was disputing. 


That 's 100 % impossible with Equifax 's system, you HAVE TO LIST YOUR DISPUTE in order to submit the dispute. I did list what item I was disputing, it was literally the only way to submit the claim, you can not submit XXXX without listing your disputed item. So how on earth can Equifax claim in any sincerity that I never submitted the disputed item on dispute form that requires you to submit that item to continue? 


Equifax are lying and still to this date refuse to remove an error on my credit report.
Consumer complaint received 2017-09-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

In XXXX XXXX, I started a deed in-lieu of foreclosure process with my original mortgage company, XXXX mortgage, due to being XXXX XXXX military and PCS'ing. As of XXXX XXXX, I was told the process was complete and just waiting closing. In XXXX XXXX, I discovered ( due to a delinquent alert on my credit report ) that my loan had been sold to Loan Care, LLC., and that I was now behind on payments. I promptly contacted XXXX XXXX who proceeded to tell me I would have to start all the paperwork over again. I completed the paperwork and sent the signed and notarized documents back to them in the XXXX XXXX timeframe. On XXXX XXXX, XXXX, it was reported to the VA that the deed in-lieu of was in the closing process. Since then, I have not received any closing paperwork or any finalization, and multiple attempts to contact the company have resulted in a run-around of being told the process is complete and they are unsure why it is still being reported to the credit bureau. On XXXX XXXX, XXXX the VA was able to see notes updated in the system saying the loan was closed. From there, my VA rep and I both attempted to contact the company for further information. The VA rep still has not received any response to her emails, and I was told on XXXX XXXX, XXXX that a letter had been sent to the credit bureaus to correct all data. On XXXX XXXX, XXXX, I contacted the mortgage company again to find out why no updates have occurred yet. I was transferred to a supervisor who told me that she could not see any of my information or notes in the system because " it was the wrong department '', and that she would email the POC and his supervisor with my information to return my call. I have left messages with the POC several times in the past and have never received a call back from the company. I still have not received any paperwork showing that the process has been finalized, and the credit bureaus still have not been updated to remove the delinquencies to fix my credit score. I also need the VA to receive all the final paperwork as well to restore my VA benefits. This process has been ongoing for a year and, due to my loan being sold and being unable to contact the right POC, still has not been completed or resolved.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NJ)

I stopped using my credit card since XXXX 2017  and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees  the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should  go to their branch to  reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later.  About XXXX weeks ago   I went online again on desktop computer  to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (MD)

On XXXX XXXX, 2012, I began services for a program by XXXX XXXX XXXX. During my initiation, I was told that the total cost of the program would only be a single deposit of {$100.00}. I made XXXX separate deposits of {$50.00}, which covered the entire care. The program ended on XXXX XXXX, 2012. Instead of my health insurance ( at that time ), covering the costs, I discovered about 6 months later, that the coverage on my end, was supposed to be {$100.00} PER DAY! I was not able to pursue a dispute, due to the fact that I was ( and still am ) XXXX XXXX, and had other things to tend to. Long story short, I am in debt now because of being given false information and miscommunication. I would like this to be resolved immediately.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

I was coerced into applying for a credit card with a larger balance at a Chase bank location, advising because I had a great credit score and debt to income ratio with little to no credit card debt, I would be approved. After waiting for several days, I called in and was told I was denied due to too many accounts opened in the last year. When I asked for more detail as that is counter to what I was advised, they refused. I then asked if I was getting a hard hit on my credit report for their mistake/mis-communication, she said yes. I was lied to and am now dealing with the repercussions.
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Forster, Garbus and Garbus (NJ)

I was called by XXXX saying I owe XXXX for a debt that is 7 yes old. The debt was only XXXX. Want me to pay XXXX. To settle. Forster and garbus
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (FL)

I received a corrected validation of debt notice from Selene Finance. This debt collector started contacting me by phone on XXXX XXXX. I have several calls contacting me during the day and during the night. When I asked them for additional information in regards to the debt that they were collecting, they were unable to give me an answer. After making a research in the XXXX XXXX records, I found that the property that served as a collateral of a loan that was included in my bankruptcy discharged was still under my name, despite the efforts of trying to giving the lender a deed in lieu. Notice that the lender at the time was not the current debt collector. Then i requested a debt validation to Selene Finance and the failed to submit XXXX. After many calls, i finally received a letter dated XXXX/XXXX/XXXX stating that they mailed a validation of debt on XXXX/XXXX/XXXX but they omitted some infromation and now they are sending a corrected validation of debt notice. After I review all this information, this debt collector is threting to sue me for the amount of the debt that they submitted on this notice. The reference debt is past due since XXXX/XXXX/XXXX per Selene Finance records and this debt was inclueded in a Bankruptcy discharged in XXXX. I have checked XXXX and confirmed that the status of limitation on this type of debt has expired and I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. This is a violation of the rules and regulations of the CFPB that strictly prohibit creditors and /or collector from attempting to sue a consumer over the time-barred debt.
Consumer complaint received 2016-08-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MS)

We purchased a home in XXXX, XXXX. Our insurance payment was around {$2400.00} and taxes {$3300.00}, this was used to determine our escrow amount. In XX/XX/XXXX our insurance premium was about the same and our taxes went down to about {$1800.00}, but our escrow amount increased. Then in XX/XX/XXXX our insurance went down almost {$1000.00} and our taxes stayed the same but our escrow payment increase again. I have asked for a breakdown but what they sent me was the same as what I could see online which does not show why the premium increased. From what I can see they charged me for insurance twice in XX/XX/XXXX. Ive contact the company by phone, email, and internet request none of the responses were helpful. They tell me someone will review the account but nothing has happened. 
Please audit my account to determine why they are charging us more when the payment should be decreasing. Attached are the closing statement and loan activity for the entire length of the loan ( as seen online ).
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

XXXX loans I consigned with XXXX XXXX ( nephew ). 
I have set up repayments for XXXX loans Loan NumbersXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. I have the payments at twice the minimum amount due to pay loans off asap. 
Bill pay is set up to be received on due date, on XXXX 2016, I recieved a letter stating loans are past due. I called XXXXNavient to see where the problem occurred I spoke with a disinterested employee who told me my payment was late. I escalated to a supervisor who seemed to be equally disinterested in understanding the issue and simply said he would waive the " late penalty ''. 
I called Navient back with my bank on XXXX XXXX and spoke wXXXX who seemed only interested in telling me that he understood, yet I was still late and my payment of {$100.00} was split between XXXX loans. Did not seem to care or hear, although I repeated myself about 10 times that over the last four months I have sent them a total of {$1200.00}, yet they are only crediting the loans with {$400.00} payments, accuring interest and late fees. My bank has sent NavientXXXX with proof of payment, yet I just got off the phone with " XXXX '' who seems to be a reject from the IRS, who kept repeating his Scriptnot acknowledge anything I had to state ... but was sorry for my frustration and continued to ask me to repeat my self. 

I want, IN WRITING, a letter from NAVIENTXXXX an accounting of payments made on these loans and the interest charge on any " outstanding balance '' and late payments removed from these loans, PLUS I want credit for my time to correct this, I make {$25.00} an hour and have spent 3 hrs spinning my wheels with these less than professional employees.
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

Again CitiCard has charged a late fee to my account for a payment being late by 24 hours or less. They did this once before and i submitted a complaint, and was issued a refund. The fee was generated regarding a due date for payment of XXXX XXXX. I paid what was due on the XXXX. On the XXXX the late fee was issued. I had a " chat '' with a representative of citicard but they said they could not reverse the charge, because they had done this once for me already within a 12 month period. I explained that when they charged me before, it was unfair and predatory as well. They would not reverse the charge. My previous case with citicards which i filed with cfpb has a case number i believe is XXXX
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I attempted to make a flight reservation between XXXX and XXXX departing XXXX/XXXX/XXXX, returning XXXX/XXXX/XXXX. I did this through XXXX, using my Bank of America Visa card. When I was emailed a copy of the reservation, I called the next day to report that the reservation was incorrect, in that it had us leaving and returning in the same day, XXXX/XXXX/XXXX. After several days, someone at XXXX called and told me that they do not make mistakes. I have a screen shot of my request to XXXX for the XXXX dates. They told me that to change the dates from XXXX to the original dates that there would be substantial change fees and higher priced tickets, if flights were available. We canceled the trip and disputed the charges ( to XXXX and XXXX, although I had contact only with XXXX. The airlines have disputed my claim, saying that the reservations were legitimate, and Bank of America is siding with them and saying I must pay the approximately {$1700.00} charge. Apparently, XXXX sits in the background. 

This charge, as well as the underlying reservations are incorrect. I asked XXXX yo correct the dates and their mistake and they would not do so. Bank of America is refusing to look into this any further. 

Can you help me? 

Thanks, XXXX XXXX
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (UT)

I opened an American Express account back in XXXX of XXXX. It 's a XXXX XXXX credit account and with that there was a promotion being offered to get XXXX bonus points on my XXXX XXXX membership after spending {$750.00} within 3 months. I called Amex and XXXX and neither are willing to rectify the situation and give me the points I rightfully deserve. I called both parties around midnight - XXXX on XXXX XXXX, XXXX. 

PS I spent way more than {$750.00} in 3 months! 

( I believe there was also a {$50.00} Statement credit at the time, but not sure on that. )
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a credit card balance transfer at 12.24 % after 18 months at introductory 0 % rate with a 2 % balance transfer fee with Chase Bank on XXXX XXXX, 2016 on a credit card I have had for a very long time that was recently paid off. I was requesting a transfer from a XXXX credit card I have through my credit union, XXXX XXXX XXXX XXXX. The expiration date of the offer was XXXX XXXX, 2016. It said it would take up to two weeks for the offer to process. I checked online and it showed my transfer as processing for a couple days, but shortly after the request I was unable to access the entire balance transfer section online, including the offer page and transfer status page. When I called yesterday after waiting the alotted two week period with no transfer going through, they told me it did n't go through due to suspected fraud and that they tried to contact me, and said they would not honor the balance transfer terms since they had expired. I could instead do a balance transfer for only 12 months at 0 % with 12.24 % after but with a 3 % balance transfer fee. I was never contacted either through email or phone about this suspected fraud and was as stated unable to access the area online before the phone call. When I went online immediately after the phone call, suspiciously all of the information was again accessible with just the currently active balance transfer offer available. 

I am concerned that they were doing some sort of bait and switch to get more out of fees and a shorter 0 % period. I told them I was uninterested in that offer at this time after the customer service rep offered to do the transfer with the current higher fee offer right there over the phone. I am also concerned that they are doing this with other customers as well, and I just wanted to share my experience.
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NY)

I do n't have access to my money for some days now. I ca n't even do a card to card transfer. I ca n't get through on the phone lines. I need my money real badly. I am single mom of XXXX. I need my money.
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

i bought a house in XXXX XXXX thru XXXX with pmi to be canceled in 5 yrs. citi group took it over in XXXX of XXXX 3 weeks after I bought appraisal was {$420000.00} I paid {$330000.00} and borrowed {$290000.00}, citi jerked us around playing with escrow for three years its fixed XXXX. for 30 years. I reached my 80 % to original purchase price several months ago I now owe {$260000.00} I asked a year ago for pmi cancellation was told they would keep it on the entire length of the loan. XXXX XXXX automatic payment had a typo they called us we corrected it immediately I asked again for cancellation they said they were going to show XXXX XXXX late and I couldnot cancel if they had of honored ambro my original loaners XXXX part of the citi group XXXX it would have cancelled in XXXX of XXXX ive not been late in the entire loan time and would like to get pmi cancelled they are playing very dirty they said now it would be home value as of today not the original loan price can you help? ive paid pmi since XXXX XXXX never late they said they seen the typo and would not show it late because we sent in that day the required amount help please. thank you XXXX