davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (SC)

My home is a mobile home/doublewide trailer. When I signed a contract to purchase this home, I received a Truth in Lending stating that the home would be financed for 300 month = to 25 years. I received this document and others 45 days before closing. 
At the attorneys office as I was signing the contracts they provided a different Truth in Lending document with different terms = to a 30 year contract. I had no other choice but to sign this contract because I had broke my lease on my current rental property lived in at that time and had to have housing fast. I agreed to all the terms of the contract by signing. I wish that I had walked out of the closing attorneys office that very moment. Today I am having difficulty making the yearly tax payments. They clearly have stated over and over that they could not help me by refinancing. I have always paid the mortgage on time. Due to health issues I am unable to work. I moved out of this home in XXXX and rented the home out to cover the mortgage payment. I can not afford to pay the property taxes for XXXX. The home was auctioned off to the highest bidder. Ditech has paid the taxes and added that amount back to my payments, this makes it impossible for me to pay the amount that they asking this month. I want to keep this home and the tenants that live there. They suggested that I go up on the tenants rent. I can not go up on the rent because comparable mobile home rent in that area is around XXXX to XXXX a month. I would like to sell this property and pay Ditech off. I have tried many times to sell the property, it has run down over the years and needs many upgrades ( which I can not afford ). At this point Ditech is threating me with a RIGHT TO CURE DEFAULT. I have always paid the mortgage payment amount of XXXX and XXXX a month. 
{$500.00} is the stated amount per month. The overage I send covers insurance only. 
They state that they will not accept partial payments ... they will not accept XXXX per month. 
What can I do? I have no savings?
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

greentree mortgage servicing call me at XXXX from this number : XXXX. this is their number have responded to call from this number before. I fell that they harass me repeatedly over the years however this was the last straw calling me at this time of the night. My mortgage is current although I do you the grace period allowed under the mortgage terms which is I pay a late fee if late after the XXXX of the month. Most of the time I receive repeated call after the XXXX of the month until the show in their system as paid. I have no problem with a company calling however to continually do this each and every month is a little much. my thoughts.
Consumer complaint received 2015-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

We are continually harassed by Green Tree Servicing whom took over our loan a few years ago from XXXX. They indicate we are delinquent in our funds monthly and state that they are a " collection agency ''. Recently, I received a 30 day delinquent notice, although our $ USD counterpart ( XXXX XXXX XXXX XXXX ) sends us confirmation of funds withdrawn between the XXXX and XXXX of every month. 
The problem is XXXX fold ... I am an XXXX living in XXXX and have to rely on mail / postage as Green Tree does not offer electronic transfers / payments ... who does n't offer this service in the XXXX XXXX!!!?? ... Green Tree does not. Secondly, when our bank sends the mail ( confirmed ), it has been explained to me on several occasions by the many transient 'account managers ' we 've had over the last few years, that the mail sits in their accounts receivable department until process. 
As a point of consistency, we start receiving calls from Green Tree call agents around the XXXX of every month and continues until our payment is miraculously processed ; somewhere between the XXXX and XXXX of the month. As such, our account shows delinquency nearly every month. 
To cap it all off, due to their fallible processes and poor customer engagement, we receive at least 1 to 2 phone calls per day from Green Tree, which we 've since stopped answering and are contemplating legal action at this point. The call agents phone, without regard, any time of the day. We 've even received several phone calls at XXXX on a Saturday morning over the last few years!! This HAS TO STOP.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NH)

Recently, Chase has updated their web site which has made it almost useless. You can not find the information you need. I had to revert back to paper statements because their system is so obtuse. I also rarely use their online payment system because it is so buggy. I really feel that they have done this to make it harder on the consumer and the likelihood is more fees will be charged through no fault of mine. When I contact customer service through their website, no easy task anymore, the answers I get do n't even address what I asked! If I could pay this off and use another company I would, but I am stuck with them.
Consumer complaint received 2017-05-22
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. (CA)

I have provided both Equifax and   XXXX   with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has t o be signed by an officer, when the police department has accepted the report and provided a verifiable police number online . If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OR)

I ordered a XXXX set from Ohio XXXX XXXX. This co. then told me they could NOT ship it without a prescription and to order the mask components as XXXX separate items. So I cancelled the order and placed another order for the XXXX separate items. I got XXXX XXXX set but XXXX bills for the full amount of the mask set. I disputed the bill with Chase who issued my Amazon Credit Card. BUT Chase sent me a dispute form for signature AFTER the close date to return the form!! This of course made it impossible to dispute the charge, but I sent it in anyway and complained. Chase did nothing to help but rebilled the charge to me.
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

Navient is reporting my student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus and it was corrected and updated. on XXXX/XXXX/16 I reviewed my credit report and noticed Navient had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Navient has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.
Consumer complaint received 2015-05-23
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (NC)

While searching for a Mortgage Lender to re-finance my home at lower interest rate and for XXXX years vs XXXX years, this company offered the best deal. They initially offered a 3 % fixed mortgage w/ no closing costs and a credit of {$400.00}. I was requesting a subordination of an equity line of credit and was advised that we could not lock in on the rate until the subordination was approved. As the process went on w/ normal delays, the rate went up slightly. I had already paid {$400.00} for an appraisal fee. When we were getting ready to finalized the process my mortgage banker told me that they would not be able to offer the " no closing costs '' option and said in order to continue I would have to pay approximately {$4000.00} in closing costs. At this point I decided to discontinue the process and go elsewhere. I can understand the rates going up but the offer of no closing costs took me by surprise and upset me. I went back to my current lender and they offered me a lower rate and closing cost option.
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I got a certificate of {$500.00} from Chase bank to open a checking account. I sat with a representative for one hour and she tried to put my accounts online when she told me she had to abort the opening of the accounts. This same process has happened XXXX times with Chase bank. I submit docs for direct pay and 3 to 4 months later they close my accounts without a legitimate reason.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (DE)

I continue to get calls from this company, I believe it is High Point Asset @ XXXX. They are trying to reach XXXX XXXX at my cell number. I have spoken to them several times now, explained that this is not his number, explained that I have had this number for at least 15 years and request that they stop calling. Despite assurance otherwise, they continue to call XXXX at my number.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OH)

I disputed a fraudulent transaction on my Chase credit card from XXXX. They sent me a packet with the merchants response that I received in the mail on XXXX/XXXX/2017. I promptly mailed my response that evening to be picked up by the postal service on XXXX/XXXX/2017. Chase closed my dispute without ever reviewing the documents and when I contacted them via phone, this morning XXXX/XXXX/2017, they informed me they never received the documents and I told them to look harder and then they miraculously found them. They then informed me that they could n't reopen the dispute since it was closed and I 'd have to write a letter to reopen it. I asked them for the phone number of the dispute department to which the representative informed me that they have no phone. I feel like Chase did n't even attempt to resolve my dispute since they completely ignored my supporting documentation.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (VA)

Reference to complaint  XXXX ,  Seterus  stated " Had the property taxes been paid in error, your tax entity would have refunded these funds to  XXXX  ''. This statement is false. The account for property taxes are in my name, irrespective who pays into that account, any refund will always goes back to the account holder. Another example, Seterus payment for home insurance did not arrive in time and  XXXX  called me. To give more time, I pai d one month insurance premium. After Seterus  payment arrived, it resulted in overpayment and the overpayment returned to me and no t Seterus. Seterus  should know this better.     Seterus failed the terms and conditions of account transfer from  XXXX  by opening an escrow account prior to loan modification application.  XXXX  never opened an escrow acco unt. Does Seterus  accepts a letter from  XXXX  confirming that they never opened an escrow account?
Consumer complaint received 2016-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (OK)

I have worked with NELNET since 2011 to resolve a complaint I have regarding their servicing of my loan while making payments under an Income Based Repayment Plan under the Public Service Loan Forgiveness Program. NelNet continues to maintain that I consolidated my loans and any payments prior to consolidation do not count towards the PSLF program. I have asked to see the contract where I agreed to forfeit PSLF payments in exchange for consolidation and they are unable to produce it. I believe they operated in bad faith when consolidating my loans without obtaining my permission to forfeit almost a year 's worth of PSLF payments. My new loan servicer has been honest and operated in good faith. As such, I believe this to be a deceptive business practice of NelNet and/or the Dept of Education that is hurting students who are making regular payments under an Income Based Repayment Plan while working with vulnerable populations under the PSLF program. I would like for my payments made to NelNet to count towards PSLF like I was told they would. I do not need NelNet to call me and tell me the exact same thing they have told me XXXX or more times over the past years. I need someone to hold them accountable for their deceptive and abusive loan servicing practices. Thank you, XXXX XXXX
Consumer complaint received 2015-06-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

They are calling my job, a line that is for employees only and that I imagine somehow they got ahold of the number. I have never provided anyone with that private number. I reversed the phone number they left for me to call back with XXXX of my peers, and they seem to be a bill collector for Navient ; in spite of the fact that I have already told them not to call, they keep on doing it. They call from a local number, but when they leave messages with my peers they leave a toll free number. My peers are not there to take my personal messages, especially when I never provided anyone with that number. Except for telling them that they can not call there anymore, I have never had any other conversations with them. They are interfering with my job 's operation, putting my job at risk by calling numerous times and even speaking to my coworkers and telling them they want to help me. My employer is very strict and every minute counts. We are not allowed personal calls. I feel harassed, upset an embarrased at what they are making me go through at my job.
Consumer complaint received 2017-02-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I have paid in {$1600.00} this year on my student loan alone ( with Navient ) and only {$260.00} came off of my balance. I made my payments every month even though they stated that a payment was not due because I had made so many payments and they were over the minimum amount. Every time I ask questions about how my payments are being applied., I get the run around. No one wants to answer my questions. All they say is that I owed in interest. I do n't understand how that is possible if no payment is due and I was making payments anyways. How can I be behind on interest? I ca n't seem to get any help. I do n't know where to turn.
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: First Data Corporation (ME)

On XXXX XXXX I wrote out a check for a vehicle purchess and after receiving the vehicle I found out there was more wrong with it than I was told, so on XXXX XXXX 2017 I called my bank to cancel the check I wrote. I talked to my banks customer sevice and requested a check cancelation and the person told me my check was canceled and would not be able to be cashed and be back in my acoount in 3 to 5 days. After 3 to 5 days with no funds returned I called my bank again to find out what was going on to find out that they had cashed check and there was nothing I could do about it because I have no control of my own money. I had to call my bank 3 more times to get the paper work sent to me to file dispute. I faxed paper work in on XXXX XXXX after receiving it on XXXX XXXX 2017. They sent me a denial letter dated XXXX XXXX 2017 the same day I faxed paper work back to them. What right does my bank have to tell me what to do with my own money and how to use it after I was initally told my check was cancelled!!
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TX)

Through nelnet, I tried to lower my monthly payments significantly due to my income. Orginally, my loan payment was almost {$800.00}. I also have private loans where my loan payment is {$900.00} a month and I could not pay either. I asked them to put me through a process to see if I can lower my monthly payments. I was put on foreberance for a month while they looked it over. I told them I needed more time than a month they said that 's all they could do. I also asked them if they could give me a general idea of what my new loan payment would be and they said {$150.00} due to my income. It took them over a month to process all my information. In the end they made my new payment {$300.00}. Something I still can not pay every month. I 'm now 60 days late. I either catch up on navinet or not pay my private loans. I constantly have to choose between XXXX or the other. I 'm so in debt I ca n't even live my life. I work XXXX jobs now and I 'm not able to get by. I tried to reach out to nelnet to see if they can help me out and they said there is not much they could do. I need help.
Consumer complaint received 2015-11-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc. (TX)

Conn 's appliances has been calling me since XX/XX/XXXX multiple times per day regarding a debt that someone with the same first and last name as me owes them. I have informed them multiple times that the middle names and birthdates are incorrect and they have called the wrong person. I have requested them multiple times to take my number out of their system, and they keep telling me they have done so but then start calling again. They have called multiple times every day for the past few weeks again, including harassing my daughter today and asking her for my personal information such as birthdate. In previous calls, they have asked me for my social security number and have harassed my wife multiple times. I called them again today to ask them to remove my number and told them again that I will take action if they call me again.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (OH)

I have been charged {$2.00} every statement as Finance charges. These charges have been appearing on my statement from XXXX of 2015. I called the company SYNCHRONY BANK in XXXX and all the extra changes were removed and they accepted their mistake and promised that this will not happen again. I called the SYNCHRONY BANK again in XXXX and they accepted their mistake and reverted the charges in XXXX. I have been harassed as these charges have started appearing again. It takes lots of time to to call the company have they promise that this will not happen again and it appears on my monthly statement again and again. I have called then so many time and every time SYNCHRONY BANK promise that it will be taken care and will not appear. I am frustrated as this takes so much time and I feel frustrated and harassed by SYNCHRONY BANK.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (IL)

unknown person ( s ) opened a fraudulent credit card using my information with synchrony bank on XXXX XXXX 2016 and purchasing XXXX dollars worth of furniture, after learning of this I contacted synchrony bank on the XXXX of XXXX to make them aware of this and explained that not to allow this purchase to go through which at the time was still not delivered or picked up at warehouse, filed a Police report in my town. I also contacted the XXXX credit reporting agencies and placed a credit alert on my file. After placing the alert unknown Offender ( s ) with the help of synchrony bank opened a second account and attempted to open XXXX more accounts. I then placed a security freeze on my credit on XXXX XXXX 2016. After taking 2 months and 22 phone calls to synchrony bank I was able to get this account which was under mattress firm Account number XXXX closed. Then the task of getting synchrony bank to remove the XXXX fraudulent inquiries on my credit was a bigger nightmare. I have even contacted their fraud department which cant do anything about this. Finally on XXXX XXXX 2016 I received a letter from synchrony bank stating this account was closed and removed from my credit. On XXXX XXXX 2016 I received a credit card statement for the above closed account for the original amount of XXXX that as the fraud specialist XXXX stated " the store pushed the charge through '' this was after 6 weeks of freezing my credit.She also had no explanation of this account since it was closed a month ago and to dismiss it. Then on XXXX XXXX I received another credit card statement again for the same account with the exact amount of XXXX I then called synchrony bank and the " Fraud department specialist supervisor '' could not explain this. As a retired Police Officer the only way that the exact same charge went through after a month that this account was closed, after 3 months from the initial charge and my credit frozen is that whoever " pushed this charge through '' is either the person who stole my identity or working with the offender ( s ) Under your publication summary of rights under the FCRA of victims of identity theft synchrony bank refuses to release THE RIGHT TO OBTAIN DOCUMENTS RELATING TO FRAUDULENT TRANSACTIONS MADE OR ACCOUNTS OPENED USING MY PERSONAL INFORMATION. This is a direct violation of the law and my civil rights. This information is needed to help with the apprehension of the above offender ( s ). I am hoping that this is the avenue to protect me and the civil rights of the law of this land and not allow a supervisor fro synchrony bank make up them as they go along. I have had a total of XXXX accounts that were attempted to open in my name XXXX with synchrony bank and out of those XXXX the only XXXX that were opened were with synchrony bank. With the rise of identity theft it should be up to the companies that open these fraudulent accounts to clean up their mess and not make the VICTIM jump through a hoop to clean it up.