davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FC HoldCo LLC (FL)

Auto Loan fraudulently opened at XXXX XXXX XXXX in XXXX, Fl. for the financing of a XXXX 2011 vehicle with Flagship Credit Acceptance. The finance company ( 7 months ) ( Flagship Credit Acceptance ) did not and does not have the proper documents- title, etc to provide to DMV in order to grant a permanent registration/tag for the vehicle. However they were still taking payments of XXXX per month for 3 months and are reporting the loan as open and late with missed payments on my credit report. Per court order the Department of Motor Vehicles issued the title in my name and the title specifically states 1st lienholder =none. The title is not electronic- it is paper.
Consumer complaint received 2016-03-24
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (WA)

We had a mortgage from XXXX after XXXX and XXXX XXXX XXXX and DITECH was our mortgage servicer. We applied to DITECH for a HARP refinance. They refused to give us the Harp interest rate and in fact denied our refinance because we would not agree to the conventional loan rate. We were very eligible for HARP. In fact we were successful refinancing with another mortgage lender. Perfect credit. Never late on payments. Ditech would also not refinance us VA even though I am a US veteran. Even at the conventional rate they refused our loan refinance due to a existing mobile home on the property. This is in addition to our single family dwelling.They said it was required by HARP that we remove the mobile home in order to get a refinance. The mobile home was a source of additional rental income. We spent XXXX dollars to have the mobile home demolished and they still would not give us any interest rate other than their conventional interest rates. DITECH IS THE MOST CRIMMINAL ABUSIVE COMPANY WE AND THOUSANDS OF OTHERS HAVE BEEN ABUSED BY. We want a ruling here on our rights to HARP refinancing vs. Ditech making their own rules in order to make it easier for them to sell our property in case of default. ( to get rid of the mobile home ) Also denial of refinancing according to HARP and VA guidelines. We feel there has been discrimination here of a US Veteran and senior citizen.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (DC)

Currently my loans are being held by ACS Education Services. I have been in their IBR program since XXXX XXXX. I was divorced 2 years ago, married and filing separately with XXXX individuals living in the household ). Over the last 2 years, with some modest raises, my payments to ACS have DOUBLED and the payments are now becoming unsustainable. Before the ACS IBR payment increase this year I submitted paperwork to get my student loans removed from ACS to turned over to Federal Student Aid under the REPAYE program. ACS has assured me multiple times that all of my paperwork has been completed correctly, however it 's been over 4-1/2 months and they continue to tell me that they are " processing '' my request, while I am making an unsustainable monthly payments. I call them every two weeks to check on progress. I have been told that they have " expedited '' my request ( nothing happened ), and then called again in tears one month ago and asked if I needed to contact an attorney to get help with this matter. They immediately transferred me to a " supervisor '' who " opened an issue '' with my account and said she would personally and physically monitor my account each day. I called yesterday, after 3 weeks of not hearing anything, and was told curtly that my request is " still processing. '' I fear that nothing will happen and I am struggling to pay loans, take care of my child, pay my mortgage and condo fees. My credit score is dropping because I 've been using my credit card to make up some of the difference. I 'm scared and ACS ( owned by XXXX XXXX ) appears not to care how desperately I am trying to remain in good standing and repay my debt, but under a different program, the REPAYE plan that President XXXX established in XXXX. ACS says they do not " honor '' the PAYE and REPAYE programs which calculate payments that are 10 % of XXXX 's discretionary income vs. 15 % for the IBR plan. 

I have a great job by almost anyone 's standards, I managed to purchase a small condo this past year ( and pay less in a mortgage than I did in rent ), and I am taking care of a young child. But I am on the edge of failure because I am stuck in a precarious financial position. 

FYI, My loans are connected with education at XXXX and XXXX. My only complaint with the institutions are that they let an art student who had no parental support, access such large amounts of loans. I do n't think it 's their fault I borrowed an incredibly unrealistic amount of money for my education, but I 'm not sure they cared in the XXXX and XXXX how someone was going to pay back the loans. Thank you for your consideration.
Consumer complaint received 2015-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: D.B.M.E., INC (CA)

I had paid {$140.00} to XXXX on XXXX/XXXX/XXXX for usage from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. My last visit to the facility was well before XXXX/XXXX/XXXX. I had emailed XXXX to discontinue my membership and that I have already fulfilled my mandatory XXXX agreement of staying on as a member to avoid early termination fees. I entered into a year contract from XXXX of XXXX. I know for a fact that XXXX has a record of my attendance, and that my last checked-in usage of the facility was before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I received a letter from Dutchess Adjustment Bureau, from XXXX XXXX a debt collector ), as noted in the letter. It says that unless I notify this office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If I notify this office in writing within 30 days from receiving this notice, this office will : obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification. If I request this office in writing within 30 days after receiving this notice, this office will provide me with the name and address of the original creditor, if different from the current creditor. 

I have no idea what this means and they are trying to collect a balance of {$280.00}. Please advise on how I should proceed.
Consumer complaint received 2016-04-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (LA)

Mortgage company refused to honor deed in lieu agreement although the agreement was returned by deadline and I have complied in every aspect with the agreement. They have attempted to foreclose on my property although I qualify for the HUD Home Affordable Foreclosure Alternative program so they can cashout on FHA Insurance
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I had a student loan with XXXX back in XXXX. I recently graduated from XXXX school in XXXX XXXX. I have n't recieved any mail from Navient with a welcome letter the address/phone number they had on file was incorrect. I put my loans in deferment with the department of education in XXXX XXXX they told me I would n't have to worry about any loan payments until XXXX XXXX. XXXX XXXX, XXXX I got a call from an old classmate saying Navient left them a message to contact them. I immediately called Navient to see what happened. Navient said I had made any payments to my loan I was confused because I was in deferment. I explained to them that I should be in deferment I filled out the paperwork in XXXX XXXX and I was approved. I reported that I do n't have a full time job as of yet and I 'm actively looking for employment. Navient said they understood and all I had to do was fax them unemployment forms which I did. I checked my credit score and I been report for 90, 180 days late.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (AZ)

This is about the Macy 's AMEX card owned by Citi Retail Services. 1. You get no chance to pay your bill before they charge you {$2.00}, just because. 2. I called and complained and Macy 's gave me the {$2.00} back. I then had a {$4.00} credit. I purchased something about two months later on a Saturday and paid the bill ( minus the {$4.00} - through my bank online when I got home - $ got to Citi on Tuesday or Wed. I get an email notice from my bank showing a balance due that was {$2.00} higher than what I sent. I just received the paper bill and it shows that I only have a {$2.00} credit. What happened to the other {$2.00}. There is nothing on the bill showing they charged {$2.00} for anything. Yes I can call and complain and Macy 's will credit the account but that 's not the problem. Someone needs to stop this death by fee that AMEX/Citiretail is doing. You do n't have a chance to pay the bill before they hit you with a fee. If you do n't realize it, which is easy with ebills, they charge a fee on the outstanding fee on the next bill. It also does n't help that you ca n't access your account information at the Citiretail website that Macy 's directs you to. It just clocks out.
Consumer complaint received 2016-07-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Northland Group Inc (SC)

I received a letter from Northland Group Inc., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since apparently, they could not verify the loan as being mine. I do n't understand why XXXX has reassigned the loan to Northland despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Northland to desist collection on this account from me.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I bought a computer at Best Buy and they offered a 1 year access plan to use XXXX XXXX for {$30.00}. They did NOT mention that I had to download the software, or I would not have bought it. 
When I realised I had to download the software, because the versions of XXXX XXXX already on the system did n't work with the key, I attempted to download, but the download failed. 
I notified the card ( Best Buy Visa ) and filed a dispute, advising that I had not been told I 'd have to download the software ( or would not have bought it - everything you download slows your system and I just got a new system because my old one was too slow!! ). 
Best Buy called and left a message offering to help me install. By that point, I did not want to install, just wanted credit for the unused/unusable software. 
Best Buy Visa has informed me via letter, and again when I phoned, that they only " exchange '' the software if it 's damaged. 
That is an invalid claim, as the software is n't the issue. It 's the fact that I was NOT informed I had to download it, and now do n't have the use of, nor the desire for, the software I paid {$30.00} for.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Last month I made a payment on my Citi Card account. The payment was for the amount of {$64.00} but for some reason I only paid {$52.00}. Did n't matter though because they did n't even post that amount on my current statement indicating that it was n't paid. They also charged me a {$37.00} late fee also based on non-payment. The amount I was billed this month was $ XXXX contacted their office and was basically given the run around. They apologized for not posting the payment and said the {$37.00} would be removed. I asked what the payment would be based on the fact that they did receive the money last month and the {$37.00} was removed. They told me {$160.00} because of late fees and non-payment. I reminded the representative that that payment was made and they missed it so any late fee did not apply. I 'm fed up with this company and went through the same thing 2 months ago. What can be done?
Consumer complaint received 2015-08-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TN)

This is my XXXX complaint on Chse Bank due to a home I have been trying to sell and now short sell for three years. We just recently got an offer within the limits and requiements of the short sell but Chase Bank is not using the recent appraisal of XXXX to make their decision and are denying the offer. Chase is still using an outdated appraisal of XXXX to make their decision. This is really hurting our chances of keeping these buyers and getting this property sold.
Consumer complaint received 2015-04-25
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

ON XXXX XXXX CHARGED XXXX XXXX VISA {$49.00} FOR A XXXX BANK. 
XXXX XXXX WAS SENT A TEXTBOOK. HE WAS NOT SENT A XXXX BANK. HE WANTS A FULL REFUND. SELLER MISREPRESENTED.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation (PA)

The mortgage company is not paying the taxes from escrow on time. 
1 ) They did not process the payments to tax authorities on time or they sent wrong amounts. 
2 ) Even after multiple phone calls and escalations the problem persists. 
3 ) They deducted the penalties from my escrow account although it is there mistake. 
4 ) Now one of the taxes have gone into Lien.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My complaint is against the following Company : Green Tree Servicing - XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX www.XXXXcomThis company illegally placed " attorney fees '' on my mortgage without my approval and i have no idea why. They said it was attorney fees that they placed on my monthly mortgage and did not mention or give me any written explantion of these fees. I had to pay them so my monthly payments would not default or be late. I demand these fees be returned to me in a timely manner.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ARVEST BANK GROUP, INC. (OK)

XXXX XXXX calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XXXX XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (MN)

i paid a merchant the sum of XXXX dollars on XX/XX/2015.after receiving no services i called pay pal to help me resolve this problem.to my surprise i was told they could not help me, because of the time frame.they gave me a ticket number XXXX but told me in less than 48 hours i was out of luck.what could pay pal possibly have done to investigate my problem for services not rendered.i was totally misled on looking into it by pay pal.why do i have to pay for something i never received.i feel as though pay pal did nothing.
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vision Financial Corp. (OR)

Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX/XXXX/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number.
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OR)

Synchrony bank offered a no-interest for 6 months credit card ( as long as you make payments on time ), but never mailed me a bill before a payment was due! They 're trying to weasel out of the deal by causing people to make late payments who would otherwise pay on time if they received the bill on time.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (NM)

This agency harasses when payments are late. I 've gotten in to trouble for receiving excessive phone calls at work. When I do call to make a payment, they ask why I am paying the bill late. I feel asking why I 'm making a late payment is completely a violation and unnecessary ; I 'm clearly having financial trouble. They have taken out unauthorized payments and when I have an issue do not call me back.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

Ditech Mortgage notified me on XXXX/XXXX/016 that our loan was eligible for a modification. I requested that they lower our interest rate and modify our loan to lower payments. The additional requested documents were faxed to them as requested on XXXX XXXX, 2016. 

I recently checked their website for status of modification and it shows they were unable to approve our modification, however I have never had XXXX call from these people since this process began, never been asked XXXX question, or for any documents, other than by letter which I complied with. I want to know why they are so inept at processing a modification, that should have been good to go according to their letter dated XXXX
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have a mortgage that was bought by Greentree and then Ditech. I pay my mortgage monthly by auto-payment with my credit union. I pay early by 2 weeks and I also pay over the Principal and Interest. On XXXX XXXX 2015 I paid for XXXX. Ditech put all of the money toward principal instead of making my mortgage payment. They then claimed I was late and started charging me late fees. I called Ditech on XXXX XXXX 2015. I also emailed them. During the phone call they said that they could n't fix it! They then tried to send me a check for the late fees. I told them NO I wanted it all fixed retroactively and the funds applied correctly. The supervisor came on and then said they would fix it in a week. It is now XXXX XXXX 2015 and it is still not fixed. Ditech has failed to fix the problem and the latest payment info shows that they have failed to correctly credit my account. They are also not applying the interest on my mortgage correctly. Ditech has committed fraud with my mortgage and is failing to credit my account correctly. I want my account fixed retroactively with correct credit on interest, especially when I pay additional on the principal.
Consumer complaint received 2015-04-25
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (WA)

I have an IRA with PNC Bank which has been in existence for about 10 years now. The only contact I get from them is a semi-yearly certificate maturation where the only information disclosed is the current balance. It turns out that they have been taking a {$25.00} annual fee out of my balance but I have never seen a receipt or an itemized transaction list. These fees are also not included in the account agreement they send with the CD renewal. In other words, these fees were never disclosed.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (MD)

Elan Financial fraudulently opened a credit card account in my name. I made Elan Financial aware of this on XX/XX/2016, and an investigator has still not been assigned. No information has been forth coming from Elan Financial. Their records show return phone calls were made, but they were not, they are lying in their own records.
Consumer complaint received 2016-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

In XXXX, 2015 XXXX. After the XXXX, I was XXXX not quite myself. Somehow I overlooked a payment for my XXXX mortgage and paid it one day after the thirty day deadline. I am working very hard to maintain good credit so that I can refinance my home. However, PNC Bank, my XXXX mortgage, would not remove the delinquency from my credit report, even though this was a circumstance I could not help. I tried calling them twice and writing them twice as well, but they would not listen to my appeal. Please advise me of my options.
Consumer complaint received 2017-01-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bliksum, LLC (CA)

This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and XXXX these people are making it difficult to function for my children. Please help me.
Consumer complaint received 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

, My mortgage company added {$1000.00} onto my yearly payments stating that my real estate taxes were upped. I sent the DiTech company XXXX statements from the city showing that my taxes were not raised. Di tech said they never got the statement about the bill. Di tech wants {$80.00} a month more.I sent my XXXX payment but XXXX XXXX refuses to recognize the payment. It wants {$1000.00} as of XXXX XXXX. The company refused recognition of the payment cashed by them on XXXX XXXX. They started foreclosure on me saying I was 30 days late. They want an extra {$54.00} on my payment plus late charges which accrue each month because they refuse to change the due date on the payments. I called FHA they said there was no restriction against changing a loan payment date even though Ditech told me it could not be done. Today a paper was left on my door from Ditech. There was no envelope and no stamp which showed that a person showed up on my door step. I consider this a threat against me.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

i had a chaoter XXXX bankruotcy which was discharged on XXXX XXXX 20140my my case XXXX my attournys name is XXXX XXXX. his phone # is XXXX thank you for yout swift action in this manor XXXX XXXX XXXX