davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CA)

I 'm confused I attempted to consolidate my loans so I could do income based repayment ( IBR ) and the public service loan forgiveness program ( PSLF ), but when I spoke to a representative from the program they said I did not have the correct loans. However, I was assured by the Great Lakes representative that this consolidation would put me on the path to loan repayment. I am very disappointed and confused- this cost me 11 months of payments. I do n't understand why there was the problem because I do n't have any private loans. Obviously, this misinformation benefits the loan company. I would like to know what recourse I have.
Consumer complaint received 2016-10-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GREAT LAKES (FL)

I have a student loan through Great Lakes. The original loan amount was {$60000.00}. I 've made {$23000.00}. in payments. The remaining balance on the loan is {$75000.00}. When I make a {$260.00}. payment they only credit me with {$15.00} toward my principal. This has to be a fraudulent loan. Where can I get help?
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Senex Services Corp. (OH)

This number had been contacting me for some time now. XXXX. The first couple of calls I received the person on the other line seemed to be immediately fishing for personal information. Asking immediatetly for my date of birth to confirm my identity to discuss " personal business. '' I absent mindedly confirmed my birth date. Realizing my mistake, I asked what they were calling in reference to. The person responded by saying they would need to " confirm '' my social security number to give that information. I asked the question again. The woman on the line asked for my social security number. This went back and forth a few times with her getting more and more belligerent. I asked her to remove me from whatever list she had me on. She hung up on me. 

I have received multiple calls from this number and they always go the same way. They demand personal information, namely my social security number, then harass me when I ask why they are calling. Then they hang up on me. 

In these conversations the only information I have been able to gather is that they claim to be from a company called Senex, possibly trying to collect a debt. 

In the course of receiving these calls I 've noticed that the caller, usually a woman, is becoming more and more quick to anger. It 's almost as if she calls specifically to harass me. 

I receive these calls at all hours of the day. I even took one at work, in which she seems particularly upset that I would n't give her my social security number. 

In one call I informed the caller that unless I stopped receiving calls I would file a complaint for harassment. The line promptly went dead. Since then I have been receiving the calls more frequently. Mostly I just ignore them but the occasional one I answer lately is just dead air until the line goes dead. 

My concern is that this " company '' is fishing for peoples information for personal gain. At the very least, if they are a collection company, people should not have to deal with this sort of harassment without even being told why they are calling.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I was on a repayment plan for a year making payments of {$280.00}, I called XX/XX/XXXX and they said i did not have to make a payment until XX/XX/XXXX, witch I did ; however, i ask if could do another repayment plan and they said yes, when I called today XX/XX/2016 an spoke with the XXXX representative ( they kept on transferring the call ) she stated i have to have my mom call back and also do I financial statement I asked why because i never had to do that and she said that now they do, my mom only speaks Spanish and even though they do have XXXX speakers ; however, i explained to her that it was already enough of an inconvenience with all this crazy payments that i ca n't afford i told them i am a XXXX mom and also have federal payments and they did n't even acknowledge my situation I ask to speak with a supervisor because i did n't like how she was talking to me, the Supervisor XXXX ID # XXXX phone # XXXX also did n't acknowledge ( horrible, insensible customer service ) and told me that now we have to do the financial statement for the cosigner, once again i told her that i am willing to paid but i do n't want my mother to go through this hassle she is old, have XXXX, and i ask to please send me their legal information stating what their new rules are for repayments and she refused. XXXX told me that they do n't have to give me any payment plan basically if they do n't want to they do n't have to and that they are just willing to do a 2nd one ( when in fact i have had always payment plans ) because they are a private company, she also told me that was the only payment plan available for me and no way to go around it, she also said that she could NOT send me their legal rules an regulations because they are a private lending, again i told XXXX that i know they can because that 's a right i have to know what are their guidelines for payments. She said she was going to send me the promissory note ( the only document she could send me ) by mail as soon as i mentioned cfpb. I just ca n't believed that they do n't have any options to work with us that are struggling with this payment she acted like she did n't care at all and in fact she did. When they took the verbal confirmation from my mom by me translating to her so she could be a co-signer and now they are telling me she has to call and do this?? Once again i am willing to make the payments and even the financial statement with my mom, i just think that this is not right whatsoever and they should have more payment options available, how can that be possible? that 's the only one, please help me i am desperate I do n't know what to do anymore with all this payments I need a solution because the only reason i am doing this is so my mom credit score do n't get damaged thats all she a decent credit, because these students loans are taking half of my paycheck a month. 
Thank you for any assistance and any help I can get in advance.
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Loan company deferred my payments till 6 months after I graduated. Then lost my loan, I never got a bill. They used a wrong social security number. Then they came after me 20 yrs later for the full balance plus interest and penalties. and have been taking my income tax returns. My loan was only for about XXXX dollars. However they have taken over XXXX now. I need help to make them stop! theyve got there money back. I would like my money back!
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (DE)

We went to closing today at XXXX for a house on XXXX, XXXX Delaware XXXX. We have been told several different loan amounts and closing cost. I did not receive my final closing papers until this morning at XXXX and I had to call my mortgage company to get the figures. I was NOT given 3 days prior to closing. My loan amount was approved for XXXX but when I got to the table the loan amount was XXXX. This made our closing cost XXXX. We were NOT expecting to pay this closing amount. We did not understand where Movement Mortgage got their numbers from. Our mortgage loan officer did NOT even show up for the closing and when we called him at the table even the lawyer from XXXX was confused at what our Loan Officer was saying. We closed anyway but we need help and answers. There 's much more to the story so it is easier if someone would call us. XXXX.
Consumer complaint received 2016-01-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (AL)

Contacted Movement Mortgage, XXXX, AL on XXXX XXXX, 2015 because this company is on the Alabama Housing Authority Finance 's lenders list for the Step Up program. Consumer was led to believe that was qualified for this program and a government housing grant because my credit scores are on par. Consumer submitted documents to these clowns but, deliberately, not bank statements. Consumer has not been contacted all this time to confirm that documents had been received are any other confirmation. Today, consumer was contacted by branch manager doing a song and dance number to the fact that their company does offer this program but has put in place other criteria because defaults are high. The company is requiring a XXXX credit score and not the standard XXXX credit score this program requires. This company has wasted my time and energy by not stating upfront this additional criteria. This company is deceptive, to say the least. Consumers deserve better.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-XXXX and Chase alleged benefit letter-XXXX ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 XXXX. Chase policy requires certain form to be completed. 
XXXX. Chase policy required subpoenas for certain information. 

Chase violated XXXX XXXX XXXX XXXX by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX and Chase Notification ) XXXX. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) XXXX. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX XXXX XXXX ) XXXX. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) XXXX By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX advertises that if you apply for their credit card you will " earn '' XXXX free stay nights. You must meet certain conditions. I met their conditions, but they did not notify me that I was now eligible for my XXXX free night stay. Instead, I contacted them to find out about how to use my nights and they said " they have expired. '' It was not something that was free - I had to earn it - yet they did not properly give me the opportunity to use what I had earned. This is fraud. Gift cards can not expire in California, why are they allowed to let my earned award expire?
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CO)

I purchased a loan with west lake fiancial in XXXX 2016, because I wanted to build my credit to which was nonexistent. Everything is going well until I was informed that I was not getting credit for payment XXXX XXXX2016 XXXX. I was told to provide proof of license and social security card ( which I did that month ). Several months later and many calls to my the credit bureaus to resolve my trouble which was minor and I was told to wait till the next month to get an update.by West Lake Financial. If my credit was bad from the start why was I not told to provide info before..? They ca n't file because of some discrepancy issues. Credit agency told me nothing should hold them back file my payments in the system. I need financing help
Consumer complaint received 2016-10-08
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

The purpose of this complaint is to clarify the terms and accounting on my clients ' mortgage. My clients suspect that they may be the victims of a predatory loan. They have asked the lender several times for basic documents and accounting, but it has failed to provide this information. 
The debt originated with Chase in 2005 with a balance of approximately {$290000.00}. Over the years, my clients have received XXXX hardship modifications to the loan ( XXXX for unemployment and XXXX for XXXX ). These modifications included a forbearance period. 
As my clients began to receive statements from Chase, they were surprised to find that the new loan balance had grown to approximately {$310000.00} -- an amount greater than the original debt. They made inquiry to Chase but received no relevant explanation of the new balance. My clients then filed a complaint with the Arizona Attorney General 's Office, questioning if the terms of the modifications were predatory. Several days later, Chase sent notice that the debt was transferred to XXXX XXXX XXXX. 
Because of the actions of the banks, I suspect that there are unfair, predatory, abusive and/or deceptive terms in the loan or modifications. Further, because my clients have not been provided with relevant information concerning the debt alleged, they feel they can not make informed decisions about it.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

I have been making additional payments through Nelnet 's Auto-Debit function to get the .25 % interest rate discount for the last couple of years. On top of my scheduled auto-debit payments, I make additional payments of about {$500.00} a month and I specify I want these extra payments applied directly to my loan with the highest interest rate. I recently noticed that for the last 8 months, Nelnet has chosen to apply my auto-debit payment to all my loans except the one with the highest interest rate. I called Nelnet to figure out what was going on and I was informed the the auto-debit function has an automatic trigger that when one of your loans gets paid down too far ahead of schedule, they stop applying payments to that loan group. Nowhere on their website or auto-debit form does nelnet reveal this information, in fact, they maintain that all payments are applied evenly among your loans unless you specify otherwise. I believe Nelnet is using this " glitch '' to maximize on the amount of interest students pay on their loans by prolonging their repayment, therefore, effectively applying a pre-payment penalty on government loans that are supposed to be protected from such penalties.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NARTEY LAW GROUP, LLC (GA)

Nartey Law group failed to disclosed verification of a credit card debt, failed to give proper notice of a judgement XXXX county court. I XXXX XXXX XXXX was not served a notice to appear in the above court.improperly double the amount owed
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Churchill Holdings, Inc. (MI)

XXXX we submitted a loan application- they messed up on the application. we re submitted another application, after waiting 3 weeks we were notified they lost our application. we refiled another application another 40 days we have now been notified they are not putting the loan through. the advised us not to pay things have have finacially put us in a bind.This was through XXXX XXXX at Churchill mortgage in XXXX michiga
Consumer complaint received 2016-02-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (TX)

This is my third time reporting this company who has yet to reveal any information to me as to the detailed itemized charges. according to the fair credit reporting act this information must be disclosed to me prior to any reporting agency. I never recived any thing from this company. The federal law states that I must have been provided a detailed statement of the charges before reports are made in regards to my character. ( FCRA 606 ) I have spoke with experian in this regard. there claim was that the debt was verified. however the agency must procure procedures to assure accuracy of the information ( FCRA 607 b ). experian has failed to do this and refused to let me dispute the item saying i didnt have any new info.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (TX)

I call in every month to make a payment and every time I am immediately asked when I plan on making the next payment. I am a single mom, living payday to payday, and recently I have been off work with an injury. I do not enjoy having someone on the other end telling me to beg and borrow money to make sure the payment is on time. I am always told to sell my furniture, borrow from family, put off other bills, and made to feel like a 2 year old when I 'm spoken too. I hold an XXXX but due to age, XXXX, and living location, I am not in a position to benefit from it. I know this is part of their training because in the 10 years I have been paying, every month I talk to someone different and they all have the same negative attitude. It would be so nice if they would say " Thank you for making a payment ''!!!!
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

BSI Financial Services assume my home mortgage on XXXX XXXX from XXXX and held it until XXXX XXXX when they have transferred it to XXXX. I recently discovered that BSI debated my escrow account with BSI about {$2200.00}, on top of the money requires for paying the property tax. Upon my inquiry BSI informed me that it placed force property insurance on my property. My property at that time, always, and as of this time, was and is insured through the Home Owners Association. This information was provided to BSI by XXXX with the transferred mortgage papers. In addition, per BSI request, I had the insurance company, XXXX XXXX XXXX XXXX, providing BSI directly with CERTIFICATE OF PROPERTY INSURANCE. I have verified that the proof of insurance was sent by the insurance company and was received by BSI. BSI never informed me that they intend to charge me with any insurance. BSI 's monthly statement never showed such a deduction. BSI have not changed my billing to show any additional charges let alone insurance charges. They kept charging my escrow account keeping this information hidden from me on your BSI internal books never notifying me or alerting me in any way. Never asking me for a payment to cover the ever increasing negative balance in the escrow account. 
I have attempted to resolve this problem with BSI to no avail. I need BSI to return the money, {$2200.00}, they have improperly taken out of my escrow account.
Consumer complaint received 2016-09-29
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (MI)

I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica (CA)

Several accounts of mine were compromised in XXXX & XXXX. They were compromised by a contractor who worked with my company and committed identify theft, forgery and imbezzlement against me personally as well as both of my businesses. I was alerted when federal investigators approached me this XXXX how compromised all of my funds were. This person forged my signature and deposited these checks into accounts he opened in my name. Comerica has blacked balled me for suspected fraud and account abuse. When I called and asked them to review my information they refused to engage me and continued to blackball me.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MT)

I have paid this debt with the same account number through a different collection agency. I have proof that the debt is paid as the account numbers match for the same debt. I have faxed and emailed proof of this debt being paid but the collection company refuses to work with me and still holds the debt. They tell me they " will update my account with the notes that I dispute this debt ''.