davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MI)

I contacted Transworld Systems, Inc. regarding rehabilitation of my outstanding student loans XX/XX/XXXX. I agreed to a rehabilitation program for the loans they are servicing and was instructed to email my XX/XX/XXXX XXXX. Along with U.S. Mail and phone calls to my cell phone, I have been contacted more than once on my work phone number. During the first phone call to my office, I requested that TSI not contact me at work, because it will interefere with my job. I was told by the representative that the company would no longer do so. When I was called again today, I informed XXXX XXXX XXXX ( TSI representative ) that I had requested not to be contacted at work ; that he would have to call me on my cell phone if he wanted to speak with me. He indicated he knew, but since the last call between he and I on my cell phone was disconnected ( I was driving and told him I could n't talk while driving ) he said he had to call the office. He further said that he was going to put a wage garnishment on me if I did n't follow his directions ; a statement I found to be harassing and threatening. 

TSI has three ways of contacting me, other than my office telephone. Clearly, they are ignoring the Fair Debt Collection Practices Act ( FDCPA ), in continuing to contact me via my office telephone number. I have written them an email to indicate, in writing, that they are not to contact me at the office and to use one of the other three methods they have on file.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I recently logged on to my account with Green Tree Ditech mortgage servicer and found out that I am being charged for an insurance that I have never had. I have paid for my mortgage principal and interest and do not escrow, as I pay my own insurance and taxes, furthermore I am have about 7 years left and do n't exactly know when and what this insurance is for, I did not call them for an answer as I have not communicated with them for the last 3 years, since I had issues in the past with payments, this is no longer the issue since almost an entire year, I pay biweekly and pay and extra XXXX via automatic payroll deduction. I am filing this complaint because I know something is not right, it should be noted that the deductions do not appear on any paper statements, I only found it buried in the payment history online. Thank You for your assistance in advance
Consumer complaint received 2016-01-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I am behind on my mortgage due to an extended unemployment. I have been working with an HUD approved counselor during this period. I began receiving Social Security {$1600.00} and the HUD approved counselor applied for a Loan Modification with my loan servicer. The servicer came back with a monthly payment amount of {$1500.00}, which I can not afford to pay. The HUD counselor was told from the servicer that my Fannie Mae loan is n't based off of income to qualify. She attempted to contact XXXX XXXX, but was unable to verify what the loan servicer had communicated. I am nearing foreclosure and would like to remain in my home.
Consumer complaint received 2015-09-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I got dumped on this company ( Greentree Servicing LLC ) by XXXX back XX/XX/XXXX. They are trying to put me into a forced escrow account. It 's been a battle to no availe since XX/XX/XXXX.There is ABSOLUTELY no one to discuss the matter with ( only cust svc reps XXXX. I have paid all my required interest pymt, s on time w/add, l principal paymt, s. All my taxes are paid up to date. They are holding back my pymt 's and not applying my interest / and or principal pymt, s. To make a long story short ... ... ... ..they have implied and told me that they would start foreclosure proceedings on our property. I have NEVER been late with a mortgage pymt. THEY ARE ALSO IN THE PROCESS OF RUINING MY CREDIT!!!! They are saying that I.m not paying my mortgage. The issue is the escrow account I can elaborate further later on. I am XXXX yrs old XXXX ; as is my partner XXXX wife ) to be. I am XXXX a Veteran and we are ( were ) in the process of applying for a VA loan. This company has made a shambles of our plans. What they are doing, is unethical ; probably illegal and have from the beginning ; been unwilling to discuss this issue. YOU CAN ONLY TALK TO A CUST SVC REP!!!!!!! IT, S A JOKE ... BUT NOT. I HAVE ALL DOCUMENTED INFO ON MY PYMT, S, AND FROM THE LOCAL TAX OFC. By the way ; I believe this company has been practicing their tactic, s for some time. As we speak ; they, re changing their name again XXXX ... Please help us with any assistance you can provide us.Thank you
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the Equifax data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Consumer complaint received 2016-10-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF THE WEST (CA)

I signed disclosures and locked in a 60 day rate with Bank of the West on XX/XX/2017. I received a revised loan estimate on XX/XX/2017 saying " pricing changes upon underwriter review - non QM loan '' which added {$3800.00} or .5 % discount points to our loan. However, the sales price has been the same since I opened escrow on XX/XX/2017. Prior to this incident, I kept receiving disclosures in the mail with high discount points which did n't match the advertised rates for the day. I also wondered why other banks were able to do edisclosures but this bank was the only one that sent disclosures in the mail. When I raised the issue with my loan officer XXXX, he said the rates were off in their system and that he had no idea what was going on. I was confused as to how the rates our loan officer was able to lock were higher and had much higher discount points than what was published on Bank of the West 's website and on the Bank of the West rate watch daily emails. I told him I am adamant about not paying any discount points. I asked that he send a screenshot before locking in our rate. On XX/XX/2017 that 's when I locked in our 3.375 % XX/XX/XXXX ARM rate with XXXX discount points and a {$790.00} admin fee. Also, their appraisals are {$850.00} dollars which is $ XXXX {$400.00} higher than most banks. The loan processor XXXX sent an email on XX/XX/2017 saying that my loan was approved by the underwriter and that I would get the approval in the mail. Instead, I received a revised disclosure with {$3800.00} in fees for discount points.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2016 I deposited into my checking account an amount ( approximately {$75.00} ) to bring my balance to XXXX in order to close the account. Same day I made a follow up visit to the Regions bank branch office and met with Regions employee XXXX XXXX in order to assure account was closed. 

Regions beginning on XX/XX/2016 posted a series of service charges in excess of {$400.00} to the account which was closed previously on XX/XX/XXXX. Subsequently they seized {$400.00} from my now card account to retire these erroneous charges to a closed account. 
I need the {$400.00} reinstated to my now card.
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (UT)

An Bank of the West account was made by my wife. She closed the account almost immediately after creating it due to a name mismatch Bank of the West could n't correct ( she subsequently open another correctly the same day ). She funded with our XXXX credit card in the amount of {$500.00}. Since the closing, I 've been informed the money would be returned to XXXX. It has n't arrived as of today ( XX/XX/2017 ). The account was closed XX/XX/2017. The money was supposed to be credited back 7-10 business days later. Bank of the West is advising me to Dispute the charge through XXXX for Bank of the West. I 've asked them multiple times to check their back office to make sure it was sent and provide some documentation to that effect ( transaction id or letter stating they returned the {$500.00} ). They have so far refused to provide evidence they returned the money. I need evidence to file a dispute with XXXX.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: AFNI INC. (NM)

I switched cell phone service providers from XXXX to XXXX XXXX XXXX over a year ago. I asked to keep my XXXX number and XXXX XXXX XXXX processed that request. However, before they did that, they created a new phone number without my knowledge and put charges on it ( under my name ). I never knew those charges and phone number existed until I received a notice from a collection agency for non-payment of {$87.00}. In the meantime, I had been paying my bill as agreed and was not in arrears. I tried without success to speak with XXXX XXXX XXXX about this ; I 've been trying to resolve this for many months. At first I was told on the phone that the matter had been resolved, but apparently it was not, because I got another notice from AFNI, the credit collecting agency, a few months later. I now am having difficulty securing a good interest rate for a mortgage because of this derogatory report, which is NOT my fault but is adversely affecting me. I called AFNI who only told me that I could pay them or wait until the account went back to XXXX XXXX XXXX after they 'd had it a full six months. They said they 'd file a dispute but that it would n't 'stick. ' I have heard from the local XXXX XXXX XXXX store employees that this is not an uncommon issue - yet I am having to deal with this despite their knowledge that this is a problem for other people, too. Please help -
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.
Consumer complaint received 2015-04-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! 
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have needed to pay bith XXXX and XXXX student loans through Navient. My payments were morr than what i could afford. I was only working part time. Supposedly Navient signed me up in an income driven repayment plan and that was the calculation. Due to not being able to pay in full my credit was affected. I returned to school to pursue a different career path, should n't my loan payments be stopped until i finish my school?
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

After paying my loan for many years I became XXXX. Navient contacted me informing me that my payment has now almost doubled. I explained to Navient that the amount is too high and I am not able to work more to gain extra income to no avail. I offered medical documentation to no avail. I am now behind in my loan and Navient is destroying my credit rating making my life even harder.
Consumer complaint received 2016-03-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I applied and received an income-driven payment plan for my student loans, which should have applied to all of them ... the adjusted payment should currently be {$0.00} ... Navient is trying to charge me {$200.00} per month still
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I am currently XXXX in XXXX. My salary is XXXX before tax and my rent is {$1400.00}. This is not including utilities, transportation, and food. I have spoken to Navient about private student loans to make a plan to pay them off. I told Navient my salary and expenses and committed to paying $ XXXX/month until my salary increases. I spoke to Navient representatives several times regarding my willingness to work with them. However, Navient was persistent in that they did not want {$75.00} they wanted & gt ; {$300.00} a month that I simply did not have. The representatives became belligerent even suggesting that I ask my landlord to decrease my rent to pay them? This is preposterous as I have to have a roof over my head to work. Yesterday, representatives threatened me that if I did not give them several hundred dollars by XXXX they would default my loan. This business has destroyed my credit report. The only relief I have received is from paying a default fee of $ XXXX+ that does not go to the life of my loan. I also, tried to consolidate the loans with Navient and they refused to have the private loans consolidated. Thus, I am working diligently to try to pay my debts to this company without the company willing to work with me.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

When I signed up for XXXX XXXX I was under that this was the best career to go into. They did not explain that I would end up paying over XXXX. I did not understand the interest on the balance.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The CBE Group, Inc. (PA)

I began to receive calls at XXXX. When I pick up there is no one on the other line. I called back today from my office phone and was greeted by a lady named Sue. I did n't get her last name. The conversation was cordial at first. She told me she was calling for XXXX and she wanted to collect on a debt. She asked me if it was ok for them to continue to call me on my cell. I told her not if they are going to be continuously calling me. She told me that if I " knew how to pay my bills, I would n't have them calling. '' I hung up on her called back and spoke to a supervisor. He came to her aid and said that she has been working for the company for a while and they have never had a problem like that with her before. She was very nasty and rude.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CT)

I had used my credit card ( barclay 's ) to purchase flight tickets for my parents to travel from XXXX to XXXX XXXX. After making a purchase, I had paid all my dues via bank transfer. 

Due to covid restriction the flight company XXXX XXXX XXXX ) refused to provide service. XXXX XXXX had no option but to cancel flights. XXXX XXXX  mentioned that because the flights are being canceled, the payment will be refunded. 

I did see that XXXX XXXX  had refunded. 

But now Barclay is refusing to pay me back. The customer representative over the phone states that XXXX XXXX has charged me back. At this point of time the customer representative with Barclay are trying to create a fraud. They have asked me to send a fax of XXXX XXXX XXXX emails. I have sent the fax as a proof that it was XXXX XXXX who canceled the flights. 

The second pictured attached here is proof of email that my father recieved because XXXX XXXX had canceled my parent 's flights. And first attachment is about cancelation confirmation. 

I seek assistance from your department. 

Thank you. 
XXXX.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (AZ)

I opened a new chase XXXX preferred card a few moths ago. I figured it would be a good card for when I traveled abroad. Before I left on my trip, I signed up for their autopay program. I was gone for XXXX weeks. When I came home, I noticed that I had a balance from the previous month. I called chase, and the rep told me there are some purchases that do n't qualify for autopay. I had no idea why, but I felt I had no choice to pay the interest. If I had made a mistake not reading some fine print, it was my fault. I called them back and asked the rep to use my bank account to pay off my balance. He said he would take care of everything. My balance and any interest charges I owe would be taken care of. This was 3 months ago. I have since received a couple of hundred dollar charges on every statement received after. When I inquire about it, they tell me they are residual interest charges. Not sure why I 'm paying residual charges when everything should be paid off and I was specifically told by the representative that I would be starting on a clean slate after I paid off my balance. I 've had many credit cards over the last XXXX years. I 've never XXXX paid interest until 3 mouths ago. Very frustrating to deal with their customer service. They are charging bogus charges to make money.
Consumer complaint received 2017-02-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC (PA)

I took a loan from " Dash of Cash '' for {$700.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1700.00} and per the Dash of Cash website I have an outstanding balance of {$570.00}, which means out of {$1700.00}, only {$120.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than XXXX % interest. 
On this loan, that would be the Principal : {$700.00} plus XXXX % interest : {$42.00}. 
Based on XXXX law, I have overpaid by {$1000.00}.
Consumer complaint received 2016-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA (NJ)

I have been receiving calls a few times a week from Mohela student loans. They have some how broke in to my phone contacts and show up as a contact of mine called XXXX XXXX. This is i ; ; egal to make constant calls to me and ileegally using a contact name on my phone. I want to know how they broke into my phone?? Today I did not answer and allowed them to leave a message. I am only if anything a month behind and that is because they sent me something saying if I filled it out they will let me go two months without paying. I tried to go to their site to get my loan adjusted to my salary and their site is n't working. 
This is harrassment and illegal tactics breaking into my phone contact names.
Consumer complaint received 2015-12-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sarma (TX)

Was in accident and was suppose be paid by workers compensation. Numerous calls were made to XXXX and spoke to XXXX and said not to pay it out of pocket and just wait for workers compensation to take care of this bill. They never did so I spoke to her and told her it concerned me regarding my credit and she said not to worry about it. I paid it in full on XXXX XXXX, 2015 and she stated all was okay on their part, now it reflects my credit tremendously due to XXXX XXXX XXXX sending to SARMA when I paid it before they submitted it in XXXX. Spoke to XXXX yesterday and said she would tend to it, but did n't recieve call back. Please help I have my receipt where it was paid in full back in XXXX