davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-12
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (MD)

I tried to send {$2900.00} to my cousin brother through https : //www.xoom.comXXXX on XXXX XXXX 2015. 
According to the advertisement the money should be deposited instantly, so far they are saying the company is working on getting some status update from their partner. I am not receiving proper status update from them. I would like the money to be deposited in cousin 's account or refunded back to me ASAP.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: D&A Services, LLC (CA)

Hi, this is in regards to a XXXX credit card ending in ( # XXXX ) in the amount of {$28000.00} held by collection agency " D & A Service '' that has had no activity and or payment history in more than ( 6+ ) years making it time barred from persuing legal remedies to collect since the statue of limitations has expired. I would like you to contact " D & A Service '' to have them remove this negative and time barred debt from my XXXX, XXXX & XXXX credit report since all my efforts have been exhausted and or failed. In addition, if possible, have them write a letter on my behalf confirming this debt indeed has exceeded the ( 6+ years ) time to collect. 

COLLECTION AGENCY : D & A Service ( their account # XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, IL. XXXX : ( XXXX ) XXXX last XXXX digits of my social security if needed is ( # XXXX )
Consumer complaint received 2015-08-27
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: United Built Homes LLC (OK)

On XX/XX/2015, I returned a call that was left on my phone's voicemail to XXXX(XXXX) from United Bilt Homes Corp in XXXX LA. During this call, XXXX said we had missed our payment for XXXX. I informed XXXX, our due date was on XXXX and we had a 10 day grace period and we had up until the XXXX of the month.  He was quick to say no, that is when we will receive a late payment penalty. And then asked me how I would like for him, XXXX, to take away our home from us. I told him, we were still in our grace period and the payment should be there that day or the XXXX. And there was not legal right for him to say that statement when we were not in past due status. I ask if the Owner knew how he treats people unfairly and was told the owner back him 100% and hung up. I called back, he asked if I would like to talk to the owner, XXXX and said he would transfer me to him. XXXX transferred me to XXXX, and other employees but never XXXX. After repeated times to call back, XXXX would put me on hold.
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Webcollex, LLC (CA)

An illegal collection account was placed on my account from CKS Financial. CKS Financial states they are collecting for " XXXX XXXX XXXX. '' I contacted XXXX XXXX XXXX and they state they have ever had an account for me. I contacted CKS Financial with no response. I have also sent a debt validation to them. My address on my credit reports has been up to date, my phone number has not changed. I have not received any communication from CKS Financial and now they are listing a {$330.00} debt on my credit report illegally. I will also be filing a police report related to this incident.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (TX)

On XXXX XXXX, XXXX, I submitted a request for modification assistance to my lender Selene Financial. Selene Financial, has refused to review my loan for modification assistance citing that they do not have to review my request if my loan is less than 37 days from a date of sale. Selene confirmed receiving a full package on XXXX XXXX, XXXX, and furthermore we were never given any such date which would be deemed too late to review our documents. This fictiosous rule was only implemented when our package was received by Selene. The FHA general rule of thumb is that loan modification requests require a minimum of 30 days for review of a full package. 
Please also note a sale date was imposed on our home on XXXX XXXX, XXXX, which was also after having received our documents for assistance XXXX XXXX, XXXX. XXXX and a well-known foreclosure mill named XXXX XXXX XXXX are attempting to set aside federal rules and statues surrounding loan modification review. They have seen the equity in our home increase significantly over the past couple of years. This act is known as " Dual Tracking '' and has been illegal snice XXXX National Mortgage Settlement. 
My understanding is that Selene Financial, has one purpose at this point which is to foreclose on our property due to the increase in home equity over the past 18 months and the fact that our family suffered financial set back on multiple occasions prior to our request for assistance. Furthermore, it is our belief that because our loan is government insured loan both XXXX XXXX XXXX XXXX aim to profit from padded, trumped up legal fees and filing a claim with FHA for insurance money to cover my loan. 
I also am certain that my original loan does not contain a power of sale clause, which, means Selene and XXXX XXXX XXXX, are required to complete a judicial foreclosure on my home rather than non-judicial. 

See statute below : Most residential mortgage foreclosures in Texas are no judicial, which means the lender can foreclose without going to court so long as the deed of trust contains a power of sale clause. ( A " power of sale clause '' is a paragraph in the mortgage that authorizes the no judicial foreclosure sale.
Consumer complaint received 2015-10-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC (NV)

Escallate LLC is demanding that I pay {$450.00} for the doctor I saw while in the XXXX of XXXX XXXX XXXX Hospital ( XXXX ) on XXXX/XXXX/13. I could not afford healthcare at the time of service and as the attached documents show, all amounts due as a result of NECESSARY medical care were waived with a XXXX % charity discount by XXXX XXXX. I contacted the physician 's billing regarding this matter and was informed to forward my letter of acceptance from XXXX XXXX so that my account could be verified and the balance updated to {$0.00}. Despite providing this letter as requested, the account was not updated and Escallate insists that I owe {$450.00} for an amount that was written off by the physician. Not only is this incorrect, my credit has been seriously impacted as a result.
Consumer complaint received 2015-05-28
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (TX)

I called Netspend and was told I could n't open a account because I have to many cards open. I told the representative I lost my DL, bank card and social security card back and 2010. I never open cards with them and I would like to. I was denied.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have submitted at least 8 disputes this year to XXXX and XXXX regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with Pro Collect is for the same amount to report it twice the company XXXX XXXX changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and PC they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from Pro Collect and the agencies refuse to properly investigate it.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (AL)

I have been with Selene Finance for a year or so now and everything was going well. About three months ago they sent me a letter along with a certified letter stating that if I did not send my payments by the XXXX of every month that their would be steps taken. Granted that XX/XX/XXXX is when it is due but I have a grace period of 15 days so it is not late until XX/XX/XXXX. I would always send it before the month was up so it did not show on my credit report. I ignored the letter and threw it away. Little did I know that they would stop sending me statements. For XX/XX/XXXX and XX/XX/XXXX I did not receive a statement. I sent them an email which they sent me back weeks later that they had thirty days to get back to me. I never heard anything. I let it go. Then I receive my XXXX bill which has my credit score listed every month. XX/XX/XXXX, it had dropped XXXX points!!! I could n't believe it! I started to investigate and checked my credit report through XXXX and realized that Selen Finance had told XXXX that my account is closed and that I am in chapter XXXX bankruptcy!! That is a bold face lie! I have never been in bankruptcy nor do I need to be considering my credit score was at around XXXX!! I disputed this with XXXX and they just sent me the results of their findings that it will be removed XX/XX/XXXX. First and foremost, I am not in bankruptcy and my account is not closed!! They receive my payment evry month. The bankruptcy can be checked by courthouse records and they can check my account with my account number. 
XXXX
Consumer complaint received 2016-08-17
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (FL)

I was mailed a prepaid card from a company called netspend. It 's hard to parse through all the information provided, but they have sent me a full XXXX debit card with my name on it and a valid card number, I have not applied for credit, opened an account, or had any dealings with this company. 

I believe this is a deceptive technique designed to confuse consumers and trick them into opening accounts with netspend so that they can charge people their ridiculous fees.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I made payment arrangements and I was told the amount would be the same until my loans are paid off. I paid the same amount every month but then when I called to check on the pay off date, I was told that I was behind in my payments. My loans were sent to a collection company. I contacted the company and started making payments to them in the same amount each month. When I called to check on my account, I found out that I was in default for non- payment. I told them that I did n't understand how that was possible because I have the bank statements showing my monthly payments. They returned some of my payments from the company but it was still showing that I was behind on my payments. They recommended that I apply for a forbearance to catch up, so I did. Then, it happened again, I was making regular payments and When I called to check on my Account, I was so far behind ( the a, punt that I needed to pay each month changed and I was n't aware ) that I could n't catch up and they told me that I could do a forbearance to remove the amount that is passed due and start fresh after the months of forbearance.
Consumer complaint received 2017-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I 'm a veteran who returned back to school & made student loans through XXXX XXXX Borrowers. I became XXXX & filed a form of Forebearance from XXXX XXXX Borrowers which after much struggle & filling out forms got my loans forgiven. Then along comes Navient claiming I need to pay the same amount of money that XXXX XXXX had forgiven me in 2015. I attempted to clarify this up with Navient but the representative did not want to hear my story, claimed I went to a school in Georgia & threatened me with stiff payments & no restitution of said debt. He was very rude & obnoxious. I have proof of XXXX XXXX forgiving me the debt because I 'm XXXX & unabled to work
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-04-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (GA)

I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore
Consumer complaint received 2016-06-23
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (WA)

sallie mae calls my home about my sons student loans. he was XXXX old when he got the loan i did not cosign or have anything to do with him taking out the loan.XXXX does not live with me nor has he for 6 yrs but they continue to call me 1 to 2 times per week even though i have told them these facts.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

My monthly payments ( income based ) were doubled XXXX without my income doubling. I was already barely able to afford my current payments and needless to say this was becoming a XXXX financially threatening our young family ( we have XXXX young kids ). After contacting Navient multiple times both via phone and their portal I inquired as to how this was happening and what my options were. I was given no solutions or explanations via the portal ( all of this is documented ) and the only solution given via one phone call was forbearance. This is not a long-term strategy but given the circumstances and attempting 3 months of these unreasonable payments my husband and I decided for forbearance for 12 months. I had also asked for the calculation that lead them to this amount given that I was possibly eligible for extra income ( bonuses ) and this could further threaten our payments yet again no answer was provided and I could not make an educated decision about certain financial items. The income based repayment program appears random at this point and that Navient was unable to provide the calculation used to determine my monthly payments suggests the randomness and does not allow consumers to make educated decisions.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (GA)

For online automatic payments, Chase only offers the option to pay the minimum monthly payment or the full balance. There is no option available to automatically pay more towards the principle ( minimum + additional toward principle ). Chase, on a monthly basis, sends balance transfer / promotion checks to customers enticing them to borrow money against their available card balance. To me, this is a classic " repayment trap '' designed to get customers to transfer balances to their Chase card, then by not providing an option to pay more than the minimum monthly payment in order to expedite the repayment of the principle, Chase is able to collect more interest on higher credit balances. The customer must manually adjust the " automatic '' payment in order to pay additional principle on a month by month basis, which hardly seems convenient or automatic.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PLS GROUP, INC (IL)

Had issue repaying PLS {$2500.00} due to having income reduction during a torn meniscus and being off work. They took payment of XXXX from account then, I told them cant make any more payments for a while till back to work. They forward account to collections after missed the next payment. I tried to repay loan in smaller increments I made 2 payments of {$200.00} and then had issues with a rental car company, taking more than allowed, my bank gave me a provisional credit, during that time it caused a missed payment NSF with the loan company PLS. Then when I got back to work there was a wage assignment sent to my employer, unknowingly to me. They said it was sent but to my old address, so I never saw the assignment notice. So, a trusted friend said I should revoke the wage assignment and continue making payments, the supervisor there in XXXX XXXX XXXX XXXX, a XXXX XXXX, said they stopped the wage assignment, but I needed to pay {$500.00} in 2 days, which I could n't do. Then after getting the run around on what was happening for several days, she informed my husband they had sent my account express to wage garnishment, the day I revoked the wage assignment, and that we did n't have the right to and could n't make payments on it anymore. This sounded really weird to me not to be able to make a payment on a account and just let it be garnished. I am not refusing payments toward the debt just looking for something reasonable. To try and make payments of {$500.00} monthly towards a debt that started at {$2500.00} and now is at {$2800.00} and we have paid {$900.00} towards it, WE COULD NOT afford that!! It would cause extreme hardship to our already tough situation.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I went to XXXX in NY and i was told that i was getting financial aid and money granted to my self to get my books and so on. Later in that year i saw i owed money and that it stated that I agreed to a loan when i didnt, I thought it was financial aid helping me since I have very low income. The school closed down for good and now I owe about an estimate of {$11000.00} when it had started off in XXXX and I still cant start making the payments and the amount will still go up because of the interest and im scared my credit will get damaged. Please help me and to everyone who is trying to make a career in life please read carefully and do research so that the same thing that happened to me wont happen to anyone
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Good afternoon, I would like to let you know about my experiences with Navient. They have coerced me into using forbearance instead of paying the {$5.00} per month as I had attempted to do for the last few years. It was never offered as an option to me. Please contact me if I can help you in the lawsuit you filed. I also am considering a lawyer of my own. If you can kindly recommend one for the city of XXXX, please contact me immediately. 

Best, XXXX
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (OK)

I recently was notified that my Chase credit cards were increasing cash advance APR by 5 %, increasing balance transfer fees from 3 % to 5 %, increasing late fees, etc. I thought this agency was in place to stop this kind of unjustified practice. This is done just to increase the profits of Chase bank with no respect to its customers. 
Thanks, XXXX XXXX
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (LA)

On XXXX/XXXX/16 ( because it was a little after XXXX ) I checked my bank account to see if my direct deposit had posted and it had. I was checking throughout the evening because I had recently changed my direct deposit info with my job & the first pay cycle I received a check so I was looking to see if I was going to have to wait on another check the second pay cycle but luckily I did not. So throughout the entire day & evening of XXXX/XXXX/16 I was checking my account & saw no checking service fee or my check but around XXXX something in the morning XXXX/XXXX/16 my check had posted and the balance was {$870.00} & some cents but this morning XXXX/XXXX/16 around XXXX I check my balance ( I 'm a victim of skimming with Chase so I check my accounts often ) and it 's {$860.00} & some cents! Now I have n't bought anything or paid anything so I was wondering why my balance went down, I login to my account & low & behold Chase has put a service charge of {$12.00} posted for XXXX/XXXX/16 but it was n't there at all throughout the entire day of XXXX/XXXX/16 or the early morning of XXXX/XXXX/16 ( between XXXX or XXXX XXXX ) when my check posted to my account. XXXX of Chase policies for avoiding the {$12.00} service fee is if there is a {$500.00} or more direct deposit to your account, that 's the only reason why I changed my direct deposit to Chase, to avoid paying {$12.00} every month in service fees, that 's just a ridiculous amount to me! So Chase posted a back date for XXXX/XXXX/16 so they could charged my account the {$12.00} service fee! I called Chase to speak with a representative but he was no help at all, stating that the fee posted before my check although I 'm telling him that the fee was NOT there yesterday ( XXXX/XXXX/16 ) or before my check posted in the early morning of XXXX/XXXX/16 but again, he was no help!
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

My friend sent me some money two days ago via Chase XXXX. But they have n't shown up in my account after two days. So I called chase with number XXXX. One of Chase CS told me money was returned to the sender. So I informed sender, he called Chase then, and the answer he got from Chase is money has not been returned to his account. So I called Chase with same number again, Chase CS put me on the line for more half an hour while checking with other team behind, but end up telling me to call another team tomorrow morning XXXX Eastern time with number XXXX to resolve the issue. They do think there is some problem with the money but still have no idea what is going on. OK, I understand investigation takes time. But I just can not believe money would disappear in the first place.