davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Our mortgage originated with XXXX, was transferred to Green Tree for servicing, and is now serviced by ditech. Our taxes and insurance have been paid by escrow with our mortgage payment since XXXX remade our mortgage. Without having received an escrow statement or reason for doing so, ditech has suddenly raised our monthly escrow payment by $ XXXX/month. Our real estate taxes have n't increased in years and our homeowners insurance has not changed significantly to justify such an increase. The escrow increase has changed our monthly payment by more than 30 % and has created a situation where we can not pay our mortgage on time due to the increased amount due. ditech still has not sent an escrow statement or written reason for this drastic change in our payment.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: COOLEY ENTERPRISES INC (TX)

I attempted to purchase a XX/XX/XXXX XXXX from XXXX of XXXX in XXXX, TX. I completed the underwriting process on XX/XX/XXXX at a different XXXX dealership ( XXXX ) but was unable to complete the transaction as there was not a vehicle at the dealership that I was interested in purchasing. I was able to locate a vehicle at the XXXX location on XX/XX/2016. I was told that it was mandatory that I purchase a XXXX warranty contract with the vehicle by the dealership, however, I was told by the underwriting department for XXXX at XXXX that all warranties are optional. I recited the information to the dealership XXXX and was told that it was not an option and that the service contract would have to be signed adding an additional {$1900.00} to the amount financed over the 4 year term of the loan. On XX/XX/2016, I returned to the dealership and further reiterated that I had been told that the service contract was optional and was told " That 's just the way XXXX does it. It 's not optional for your " type '' of loan ''. When presented with the paperwork for the vehicle, I was presented the service contract. To the left of the signature line, there is a " Notice to Customer '' with at bullet point under it that states : " The purchase of this service contract is not required to obtain financing or to purchase or lease this vehicle. '' By XXXX on XX/XX/2016 the dealership and I were at an impasse because I was being told in essence that if I wanted to purchase a car from them, I would have to purchase the warranty and they would not take it out of the contract regardless of that the document states in writing.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CO)

In XX/XX/2020, I submitted a refinance application with my existing mortgage lender, Flagstar financial. I have an excellent credit score, no financial hardships, solid employment history and was not requesting any cash out. It was a simple refi to change the rate from a 30 year@ 5.25 % to a 20 year@ 2.875 %. Over the past 5 months Flagstar has conditionally approved the application package multiple times only to request additional disclosure statements regarding any changes to bank account balances between XXXX through XXXX, multiple credit reports XXXX through XXXX and most recently a signed explanation statement regarding inquiries of competing lenders on my credit report last week. 
The latest reason for Flagstar 's two week delay is because I attempted to research competing lenders who were interested in refinancing my loan for to the extensive and unnecessary delays created by flagstar. Once I informed flagstar of this action they responded that closing should take place within a week 's time ; therefore I did not pursue other lenders interest. 
With industry standards being 30-60 days for new applicants to close on a refi, I suspect Flagstar is intentionally delaying the closing of my refinance considering it's in their best interest to keep me paying my current mortgage at a higher rate. Additionally, the have not disclosed how much these delays are costing ( in both interest and term ) me per month. Finally, since XXXX refi rates have increased and competing lenders are not able to match the original lock in rate from XX/XX/2020.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX I was awarded a Hamp Modification in which I was given an incentive for XXXX years equal lying {$35000.00}, in which I was only given one in XXXX and the rest was not honored. The amount that was not honored was {$23000.00} because Chase stated that I went XXXX months late in which I never was three months late, because I was trying to get another Modification with a more affordable payment because this modification was never affordable. Chase stated that I never qualified for another modification because I was never three months late. I was just awarded a recast in which they put the monies that were supposed to be my XXXX & XXXX incentive as a balloon payment in the amount of {$23000.00}. I was also given an incentive of {$83.00} for five year every year in which I only received on as well and that was XXXX XXXX, XXXX. The other four years has never been honored due to the fact Chase stated that I paid at the end of the month, but Chase never discussed with me that I would lose this incentive if I did n't pay by the XXXX of the month, they said monthly in which I was making the monthly payment at the end of the month. You can refer to reference # : Consumer Financial Protection Bureau Case # XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (NY)

There is a personal loan that was charged off by Navient for Sallie Mae. I demand this debt be removed from all credit reporting agencies as, not only was it incurred due to the fraudulent acts of the art institute of XXXX XXXX, but it is also far beyond the statute of limitation. Please note that I am a New York resident and the statute of limitations on collecting any debt is 6 years. ( Please note, that even as a Florida resident, the statute of limitations is 5 years ) This debt has been outstanding since before 2013. Please forward all future correspondences pertaining to this debt to the attention of Investigator XXXX XXXX with the Office of the Attorney General of Consumer Protection Division located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Phone number XXXX Any further communication regarding this debt will be treated as harassment and legal action will shortly follow.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC. (CO)

I have on my credit reports Jared XXXX XXXX XXXX reporting as Chapter XXXX, in collections, charge off and past due. This account was opened in XXXX, never missed a payment and in XXXX XXXX, several months before my chapter XXXX was discharged, the XXXX dismissed my chapter XXXX due to changing income and then reinstated it. Some how, XXXX was notified and then decided they were to include this account in my chapter XXXX ; against the law. You can not add accounts that were not initially included at the time of filing, per my lawyer and the Trustee.
Consumer complaint received 2017-03-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I cosigned a private student loan from Navient for my then partner XXXX. My former partner made payments on time for nearly 6 years until he lost his job in XXXX. My former partner did not finish his degree, so he could not request cosigner release from the loan ( The loan holder must request cosigner release and there is a whole list of requirements that I was not aware of. I thought the loan worked exactly like my student loan from XXXX, after 2 years of on time payments, my cosigner was released ). Due to the confusing and unfair terms of the cosigners agreement, I am now stuck paying off the loan for someone I am estranged and ca n't contact.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB (IL)

When you log-in to State Farm Bank 's online service, there is no option to view your vehicle loan 's accumulated interest. This is the interest that builds up, over time, which you still owe the company. Because of this, you are unable to know at any given point the total amount of money you owe the company, if payments are being properly applied, or if they are computing the interest rate properly. From a consumer standpoint, this is an overwhelming disservice.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DC)

My credit report is showing an amount of {$58.00} due to XXXX. It was reported on XXXX. I have spoken at length with XXXX, they have no records of any past due balance on my account. I have also contacted XXXX collection agencies associated with the account ( XXXX XXXX XXXX : XXXX and XXXX, and they, too, have no record at all of this amount due. The abbreviations/source listed afterwards are XXXX/XXXX/EF - I 'm not sure what that means but perhaps that will help. I 'm willing to pay the amount due if it can be confirmed I owe it, and I 'd like to have it removed from my credit report regardless.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I applied for citi double cash credit card online. Application ID : XXXX My application for credit was rejected. On the rejection notice the credit card company gave me XXXX reasons : 1. Too Many recent credit inquiries are recorded on your credit bureau report. 
2. Your credit report reflects a lack of recent installment loan information. 
3. Your credit report shows insufficient credit history. 

I requested the credit bureau report from the agency provided in the rejection notice to verify my credit history. 
The reason # 1 mentioned is patently wrong. I had XXXX hard credit enquiries. This transaction with citibank has resulted in XXXX new Credit enquiry dated XX/XX/2016. Please see attached Credit Bureau Report. 

I have over 9 years of credit history and no derogatory marks whatsoever, so I find it hard to accept the third reason provided as well. 

I have never taken a loan, hence there are no loans on my credit report. 

I feel that I have been discriminated against by Citibank and my credit application has been denied on frivolous grounds. 

Despite repeated attempts at contacting them, and multiple phone calls to the call center, no additional information has been provided by citibank. Even visiting a citibank location to meet a personal banker has not yielded any fruit. The personal banker noted my complaint down and said that a case number will be mailed to me. However, I have not received a case number or a follow up call from the banker since.
Consumer complaint received 2015-06-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

We are asking the FTC to force J.P.Morgan Chase to Quiet title on our home or recind the loan. Our loan in XXXX originated with XXXX Mortgage to XXXX XXXX XXXX structured asset mortgage Investment XXXX. pass through certificate series XXXX XXXX XXXX. XXXX while servicing our loan, committed many FTC and Tila violation, such as those found in XXXX District Court XXXX, FTC XXXX XXXX XXXX XXXX civil XXXX. XXXX 's violations extend into how our loan was transfered or sold into the trust. We have ask for equitable relief from Chase only to be completly ignored. Our loan was discharged in a BK XXXX in XXXX. Neither XXXX Chase or XXXX Mortgage perfected the lien. In XXXX Chase through Mers and blank grantors, transfered it to XXXX XXXX, who is now tying to foreclose. Please help force J.P. Morgan Chase into complying with the relief granted by the court. Thank You.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NJ)

Please help! Had car loan with Key Bank - car was totaled in XXXX 2016. Insurance company sent three checks to bank. Last one finally deposited. GAP insurance sent remainder of balance to bank. Bank lost check. I continue to be charged the monthly payment even though it should have been cleared in XXXX. Please help! No one at Key bank will help me
Consumer complaint received 2015-05-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MO)

I refinanced my home loan and CitiMortgage delayedapplying my payment from the date of the transfer on XXXX, 2015 to XXXX XXXX, 2015 on the XXXX mortgage.
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX ( Original Creditor : 11 XXXX  ) Account XXXX
Consumer complaint received 2015-08-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC. (MO)

On XXXX XXXX, 2015 I borrowed {$1000.00} from Sun Loan Company in XXXX XXXX, Mo. to be repaid in 14 monthly payments at a rate of $ 158 monthly at a annual percentage interest rate of 67.03 %. When I realize what this loan would cost me in interest, I called the company in XXXX, 2015 requesting a payoff of the loan. The figure they quoted me seemed way high so I send the monthly payment in for XXXX. 2015. I called the company again on XXXX XXXX, XXXX expressed my displeasure on the payoff they gave me and request a manage call me and give me another figure. The lady on the phone told me she was the assistant manager and gave me a figure of {$1300.00} and told me the payoff would be good for 10 days from this date, but she stated I owed {$30.00} plus dollars for late charges. I immediately mailed in the check for {$1300.00} to Sun Loan Company and as of today my check has not been cashed by my bank. Instead I have been receiving daily calls from Sun Loan Company representatives telling me to call their office as soon as possible to discuss my delinquent account and today I recei9ved a nasty letter from Sun Loan Company threating to take collection action against me if I do not get my past due account current. They also state in the letter I received that my credit rating will be effective if I do n't communicate with them.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I am trying to get a loan modification. I have been turned down and one of the factors is that they have the property valued at {>= $1,000,000}. 
I had a realtor come in and do a market analysis that was XXXX pages. The market value is {$820000.00}. Chase 's report did n't have accurate information such as total sq footage. The roof is over 20 years old and everything is original from 1996 when it was built.
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I submitted a complaint months ago about non-refunded fraud charges assessed to my Chase XXXX account. I received a response issuing a denial, but they intentionally left off over a month 's worth of fraudulent charges to make their decision look legitimate. I have had {$6500.00} taken from my account illegally and Chase is doing nothing to refund it.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: BYL Collection Services (AZ)

I tried to arrange payment and they would not accept them I had to pay I think almost {$500.00} which I did not have at the time and I was not able to fulfill that commitment and then last year they took my state tax which the amount did not go down at all so what do I need to do to settle this?
Consumer complaint received 2016-03-03
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which   XXXX   XXXX   claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have   ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your c  ompany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA  807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MO)

I received my settlement check from Ally Auto Finance Settlement Department dated XX/XX/2016 and made a forward of address in XX/XX/2016. Not knowing why it was n't forwarded. I called XX/XX/2016 to request a replacement being that check XXXX expired XX/XX/2016. I have been separated from my husband since XX/XX/2016 and have not been at the address on the check since. When I called, there were n't even able to suggest how to go about receiving the funds that are due to me. Please advise
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WV)

their is an address of XXXX, Md XXXX that does n't belong to me! i have never lived on that street or in that location. 
would like for it to be removed also discover account that is open and i 'm an authorized user! i have no clue! 
thank you
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

I paid off my credit card via a third party agency in excess of 5 years ago. I was verbally told the account would be removed. Upon paying off the debt the neither account was removed and keeps flagging as if the debt was paid XX/XX/XXXX. When I speak with them they are telling me that the account is reporting correctly even though the account was paid XX/XX/XXXX.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (GA)

LexisNexis has been reporting inaccurate information that actually belongs to someone else under my name. I have reached out to them several ways. I inquired about the error, but never received an answer. They only corrected the information and sent an updated report. The damage was already done because insurance companies have been charging me based on their reports.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (NY)

A fraudulent charge appeared on my account. I have contacted the bank numerous times to have the issue fixed. However, even though I have answered any and all questions and submitted any and all requested documents they refuse to follow the applicable laws of credit card fraud and refuse to even begin a claim, even though I have called repeatedly and spoken with them about the issue numerous times.