davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

1. 
My bank shows payments made to, and deductions made by my mortgage company totaling {$24000.00} paid from my bank account in the year of XXXX. My mortgage company ( Ditech LLC ) only shows a total of {$22000.00} applied to my mortgage account. ( a difference of {$1900.00} unaccounted for on their side ). 

2. 
My first statement dated XXXX/XXXX/XXXX shows amount of interest paid year-to-date {$0.00} ( which is accurate, being that no payments have been received as of that date. ) My statement dated XXXX/XXXX/XXXX show interest paid year-to date as {$7800.00}. 
My statement dated XXXX/XXXX/XXXX shows interest paid last month ( XXXX ) {$1100.00}. 
The math : {$7800.00} + {$1100.00} = {$8900.00} paid for the period XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. Total paid for the year XXXX in interest was {$8900.00}. 
My XXXX XXXX Mortgage Interest Statement shows a total amount paid during the tax year XXXX as {$7200.00}. 
Why so many differences in amounts?
Consumer complaint received 2015-07-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I have requested to be able to have a chance to bring my mortgage up to date. I receive monthly statements for the amount past due. They do not accept anymore partial payments, so i am keeping them in a savings account and have requested money from my retirement account too be able to pay up to date. I just received a letter from a XXXX XXXX who says that I can only pay my mortgage up to date TODAY with the added fees of {$280.00} called " suspense balance '' and {$390.00} called " late charges '' and the payments due as of XX/XX/XXXX of {$7100.00}. BUT, if I can not pay that TODAY, I need to pay {$10000.00} which includes:1 month ( s ) at {$890.00} per month ( XX/XX/XXXX ) $ XXXXPayments totaling {$7100.00} $ XXXXLate charges $ XXXXSuspense balance $ ( XXXX ) Foreclosure fees $ XXXXForeclosure costs $ XXXXTOTAL $ XXXXThis is supposed to be through XX/XX/XXXX. 
I received a letter from Green Tree stating that the property will be foreclosed on XX/XX/XXXX. Can someone help me to understand what is going on? They are not allowed to call me, but I 'm sure they do, since I get alot of hang up calls. I will not call them, since that would give them permission to start harrassing me again. I need to know what I have to pay to be up to date and move on. How do I answer this XXXX XXXX? Please, I just want to do whatever I have to do to bring this up to date and then refinance somewhere else, before I lose my mind here because of them!!!!!
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Michigan Mutual, Inc. (CA)

We have a mortgage in California. We are in a flood zone and do have a flood insurance policy that we have always paid on time. We recently refinanced our mortgage and it funded without issue. 3 months later, our mortgage company is claiming that we have to have our food insurance impounded with our mortgage payment, that it 's the law in California and this law went into effect XXXX/XXXX/16. We had a mortgage through another lender and have never been told that we had to have our flood insurance impounded, nor did we. 
We have current flood insurance that is fully paid for the year and we do not want to have our current mortgage holder try to charge us late fees or ruin our credit over this. How do we proceed?
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (CA)

New Day USA is conducting a plethora of television ads. According to the ads, the spokesperson claims to be a retired Admiral who is now " chairman '' of New Day USA. The ads also say that the company is an LLC. I understand that the highest title in an LLC is " managing partner. " I believe that New Day USA is trying to convey that they are something more than what they are while taking advantage of veterans like me. 
Below, I am required to state to which part of the mortgage process is the complaint related. I am not applying for a mortgage loan. I notice the incongruity while I see the ads, and I think it 's wrong to appear as a non-profit ( chairman ) when they are only in business for profit. Given the amount of advertising they are doing, they have to be making a ton of money. That admiral ( if he really is an admiral ) should be in jail.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank, I am submitting a claim on my credit card because I have been scammed. 
I was lead to believe they were going to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get a business started, etc. They have pulled funds from my account using the following information : XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$3000.00} XXXX/XXXX/2016 XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} Please reverse these charges as I do not except these charges. Please help me.
Consumer complaint received 2016-08-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Movement Mortgage LLC (NY)

My wife and I gave personal information to XXXX XXXX a loan officer for a loan from Movement Mortgage LLC. We found and can prove that the mortgage company was subsequently padding expenses that they promised not to charge. Accordingly, we withdrew our application. We asked that the mortgage company shred all our documents and delete all our personal information from their computer files. The mortgage company will not respond.
Consumer complaint received 2016-10-31
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ZARVAD III S.A. (LA)

My job was contacted multiple times by people who never have company or personal contact information, but told whoever was on the phone that I was being taken to court and that people were coming to my place of employment to supena me. They never verified who they were talking to, on either occasion.
Consumer complaint received 2015-05-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA (NY)

I have/had a loan with Hyundai finance and gave them my information for them to take money out of my account and they would send me an email payment received. They never took the money out of the account never contacted me about a problem and just showed up and took the car and would not let me have it back. Said they called me told them I had no record on my call log then they said they do n't have to call and they sent a letter said I never received a letter. They said the email of payment processed meant nothing and it was my fault. Would not work with me and picks and chooses when they want to follow their rules. The problem was not me not able to make a payment the problem was they said payment processed and they never took the money, said bank refused the authorization of the payment but do n't know why. Called the bank and they said they never attempted it.
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (MI)

I have recently contacted ACS Education Services to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, ACS Education Services will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (CA)

I have been unable to redeem my XXXX reward points from PayPal Master Card/Synchrony Bank using their online awards page link which does not work. Selecting, cash, gift card, travel or merchandise all lead to a web page with two boxes : CONTINUE or CANCEL. 
Selecting CONTINUE has no effect at all. I reported this to Synchrony Bank customer service by telephone on XXXX/XXXX/2016. Customer service advised me to wait until I accumulated XXXX reward points, then redemption would be " automatic ''. ( Information I believe to be incorrect ). My XXXX PayPal Extras Master Card paper statement informed me that my XXXX reward points expire in XX/XX/XXXX2016. I contacted them again about this issue on XXXX/XXXX/2016, this time, by emailing them at the PayPal Extras Master card secure message center. They have neither acknowledged nor responded as of XXXX/XXXX/2016. 
Hence this complaint.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I opened personal & business accounts with PNC Bank for over 6 years without any problems or issues. I have recently revived a letter from the bank which informed me that my XXXX personal & business account will be closed on XXXX XXXX. 2015 without any explanation to given any reason. Therefore I contacted the bank 's Underwriting department over the phone, and asked them for the reason, but they failed to give me any information about the reason for accounts closure. I decided to stop by my local branch and I asked them to give me the reason, they too did not give me the reason and they claimed that they could not disclose such information. As a legitimate customer / consumer I do feel that I have a full right to know what did I do wrong to be dropped out from PNC Banking services, therefore I 'm requesting your authority to help me find the reason so I could understand it and to keep for my own references. 
Thank you for your assistance.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

I closed my bank account at PNC branch in XXXX and was told that there was a pending transaction left that I could not close my account. The following day XXXX XXXX 2015 I was told the transaction was reversed and the account was closed. On XXXX XXXX I received a letter dated XXXX XXXX stating that my account which was closed was overdrawn. I called PNC was on hold for over an hour and transferred XXXX XXXX different people saying that PNC had reopened the account for some unknown reason. I was told that I preauthorized the transaction which I did not, was told that it was a reoccurring charge which it was not.
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: LPSG (VA)

This company called me and told me that i had a XXXX XXXX from XXXX bank that i never owned. They also told me that they would sue me and garnish my paycheck if i did not pay this debt back immediately. When i told them that i did not have a XXXX XXXX they told me that the debt was all the way back from 2012 and that i was no longer allowed to dispute the debt. they then had me set up a payment plan. I asked them to please send me a letter in they mail and a gentleman named XXXX XXXX kept saying that he personally sent it out but i have n't gotten it yet. They have only sent me emails with a non existent letter head with out an address. The email doesnt come from an email address that you can return mail from. I think that this is a scam and they scammed me out of a lot of money.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (ME)

The IRS reported my info hacked in XXXX. 
I looked at my credit report on XXXX and saw a collection notice for a XXXX account I never had. I disputed it and it was removed. 
Now I have received a letter and phone calls from this outfit Afni, Inc. of XXXX, IL. Evidently this is the standard operation from the number of complaints I quickly found.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (TX)

This is a well known issue. H  undreds if not thousands of people were affected by the Paypal hack.
Long story short, I bought gift cards from ebay via Paypa   XXXX  digital gifts. I tried to use the gift card a few months later and the value was  XXXX . I contact ed paypal  and after months and months of fighting they finally refunded " MY ORIGINAL PAYMENT '' which was an  XXXX  gift card, voucher and coupon. HOWEVER, no one can find out how to re use the original form of payment.  XXXX  is unable to locate those gift cards and vouchers. They say that after the split from paypal they messed up their servers and can not find any old gift card numbers.     The consumer WAS NOT MADE WHOLE AGAIN b y paypal  even though they denied everything and now are refunding slowly. I still lost my entire gift card value because I am unable to re use the original form of payment.  XXXX  needs to re issue those gift cards, or paypal needs to refund the entire amount directly to us.     I have all the transaction # 's, dates, and forms of payments available upon request.     This is a huge issue and it should actually become a class action law suit.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I disputed charges through Chase from a recent trip in XXXX were I was unfairly charged, but Chase is refusing to credit me for these illegitimate charges and is ruling them valid. Explanation of the XXXX charges below : 1 ) I booked a hotel room for one night in XXXX, XXXX through XXXX. When I got to the hotel and checked in to the real room, it was COMPLETELY different than the room that was advertised online that I booked. I took photos of the room and I have screenshots from my phone of the advertised room on XXXX. They do n't look similar at all. Frankly, the room they gave us was much worse. It was smaller, older, dirtier, and less comfortable. But, we were in the city for less than a day and dealing with the front desk was already a nightmare and wasnt a realistic option from a time perspective, and because it was booked through XXXX, it wasnt going to be easy to reconcile. This is why I requested a partial amount to be refunded from Chase. 

Chase told me that it was a valid charge since I stayed in the room and there was nothing they could do. I explained to them for hours that I did not have a choice to leave the hotel, and arguing with the hotel went nowhere, but they refused to credit the charge even partially. If businesses and merchants can hold customers hostage and their credit care companies wo n't stick up for them after the fact, that is unfair and needs correcting. 

2 ) Me and a companion were traveling from XXXX to XXXX, XXXX on a XXXX flight. We checked in XXXX suitcase and had XXXX small roll on bags and XXXX handbags. The gate agent checked in our first bag and said the other bags were fine to carry on. We go through security, to the gate, and when we 're boarding, the gate agent, at the last minute, says we have to pay for the roll on bags to be checked in. There were many other passengers she let by with similar sized roll on bags, but happened to stop the only non white looking people and asked them to pay. I 'm not saying this was clearly racism, but it sure seemed that way. The lady right before us and the lady after us both had roll on bags the agent paid no attention to. I argued with the agent but at this point I had no choice but to pay and get on the flight. we had already checked in, were at the airport, gate, and one of our bags was ALREADY checked in to the flight. I asked for a full refund from Chase and they are not processing that either. 

This essentially allowed the airline to extort my companion and me with no consequences. There is XXXX flight from XXXX to XXXX, XXXX every day. This was the flight. My check-in bag was already on the plane. I did not have a choice to NOT take the flight, which is what Chase is telling me. How could I do that? My bank and credit card provider should be defending me and siding with me against merchants that prey on customers like this.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (FL)

I was surprised to learn that bi-monthly payments made to Quicken Loans on mortgages are not credited at the time the payments are made, but are only credited once a month. Obviously this results in Quicken being able to collect interest on the monies that are collected for XXXX days or more before they benefit the consumer. We learned from Quicken that this information is outlined in their closing documents. It is not clearly disclosed on their website information regarding bi-monthly payments or verbally disclosed when enrolling in the bi-monthly payment plan. This is certainly different than many other mortgage lenders and a benefit to Quicken and not the customer. At least any customer moving to the bi-monthly payments should be made aware that their payments are not credited when received by the lender.
Consumer complaint received 2016-09-30
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (KY)

I transfered an IRA account from BB & T bank. This account was origionaly with the XXXX. BB & T deducted XXXX Dollars from the account when they transfered it. The instition which I depsoited the money origionally would not have done this. This deduction was done without them telling me about it.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ME)

After changing jobs in XXXX XXXX, I took a considerable paycut ( former yearly salary of XXXX and current yearly salary XXXX ). I attempted to decrease my monthly payment, as I was already enrolled in an income driven repayment plan. Navient told me there was nothing I could do to change my plan until my taxes were completed in XXXX. I paid XXXX extra a month from XXXX until XXXX. Once i got my taxes done, Navient repeatedly gave me the run around with which form to use and the timing of the form. Everytime i called a rep would tell me i filled out the wrong form, and to try this form, only to call back and have them have me fill out forms i had already completed and sumbitted. After I had filled out ( and had my husband cosign ) pretty much every income driven form on the website, they started telling me the timing of the form submission was wrong. The result was me paying XXXX extra a month for a total of 8 months in XXXX, in addition to all the extra paid in XXXX and XXXX. My submissions for a new plan started in XXXX, my new income was not reflected until my XXXX statment. I thus was forced to pay extra on an income driven repayment plan from XXXX XXXX until XXXX XXXX.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

I opened an account with my then boyfriend, XXXX XXXX, at the US Bank branch he XXXX in XXXX Illinois a couple years ago. I kept the account, even after we had broken up, as a savings vehicle. I rarely have more than {$100.00} in this account. The last time I checked the account, there was less than {$10.00}. I received an e-mail alert about a new balance yesterday and checked my account. It 's in the XXXX by $ XXXX. US Bank will not help me. They refuse to refund the overdraft! They state that I signed a form that gave them authority to authorize purchases on my card, even if I did n't have the funds to back them up. They are refusing to give me a copy of the form I " supposedly '' signed that gave them this permission. Furthermore, they left the final decision in my ex-boyfriend 's court. He naturally denied to refund me the overdraft! I have tried to work with US Bank. I asked to close the account and they wo n't. Even after I have paid {$150.00} towards the balance ( automatic debits that had the wrong information to draft from ), there are still overdraft fees to keep the account open. Every 8 days, they are going to charge me another {$25.00} for the overdraft fees!
Consumer complaint received 2015-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

For several months now, I receive multiple calls a day from Synchrony Bank requesting to speak to my name. They will not disclose the nature of their call as I am not willing to confirm my identity & they state they can only speak to my name. I have asked them repeatedly to stop calling my number and put whatever it is they are calling about -since they will not say - in writing. I consider this harassment and have told them so. They keep calling. Calls appear to be from XXXX.