davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Hello I attended XXXX in XXXX Florida for XXXX XXXX years. While attending school I received student loans and a few pell grants. I was told that as long as I was attending school my loans were not due and no interest would be added. After graduation and trying to find a job in my field I started getting letters stating I was behind in my payments. I tried on numerous occasions to call and get help with this matter. I asked could they defer my payments and I was told yes only later to find out that did n't happen and the interest was getting higher. I have called and called over the last few years to only get told there 's nothing to be done. This is not right and I will continue to call and seek justice because I have did all I know to do to try and fix this issue. I wil continue sending in complaints and calling until this matter is resolved. I asked about income based repayment and was denied because I did n't qualify.
Consumer complaint received 2017-01-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Colony Brands, Inc. (NC)

The situation is about a company named Seventh Avenue. I did open an account with this company in XXXX. I received the the products which were window curtains. I did n't like them and I return them back to the company. I did not get any thing else for this company. This company later charged me a shipping charge which I do n't think I should pay nor should they have put this on my credit report. I have written a letter to this company that I dispute the account and wanted to be shown proof of the account. They never did response with proof. I had also written them a letter about paying the {$20.00} balance in exchange for them to delete the entry from all my credit reports, XXXX XXXX, XXXX, and XXXX. I have not heard nothing from yet. Anyway they have boken the fcra law because they never applied the statement the consumer disputed the account. I looked at my credit report on the XXXX/XXXX/2017 and the statement is not there. I want the entry deleted immediately.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: USCB, Inc. (CA)

I have tried to communicate with USCB America for the past 8 months in regards to an account ( XXXX ) they have placed on my credit which is totally false. 

The original creditor is XXXX. I have always been insured without any interruptions or slow pays and I actually have worked for XXXX as a nurse for the past 7 years. 

The account is totally bogus. I have sent them several notices in the mail and they have not responded to any of them. However the account remains on my credit and they have responded to the credit bureaus and not me.
Consumer complaint received 2016-03-18
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: USCB, Inc. (CA)

On XXXX XXXX, XXXX I sent a letter to USCB regarding a debt they said that I owed to XXXX XXXX. The text of letter is pasted below : XXXX XXXX, XXXX USCB America XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : ATTEMPT TO COLLECT A DEBT ON BEHALF OF XXXX XXXX, MEDICAL RECORD NUMBER XXXX To Whom It May Concern : I am receipt of your statement dated XXXX regarding an attempt to collect and settle a debt with XXXX XXXX ( copy attached ). As I discussed with your representatives on the phone several times, this debt was already settled directly with XXXX and paid in full XX/XX/XXXX, very shortly after I received their first bill. Enclosed is a statement which shows all charges to XXXX have been paid in full. 

You are breaking the law by : Failing to verify disputed debts and Ignoring my cease communication requests Please update your records and cease your collection attempts immediately. Any further attempt on your behalf to collect this debt, including phone calls, letters, or incorrect and negative impacts to my credit report, will be considered harassment, and I will file complaints with the CFPB and the California Attorney General, and possibly seek damages through legal action. 


Sincerely, XXXX XXXX As stated in this letter, I do not owe this debt, and my account with XXXX is paid in full. I asked that they cease communication with me. However, I have since received repeated phone calls from them, and today I received yet another phone call from them. ( XXXX/XXXX/XXXX )
Consumer complaint received 2016-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (LA)

I have been making payments to FedLoan Servicing for a full year on the IBR, while enrolled in non-profit forgiveness. I filed my yearly paperwork in XX/XX/XXXX, as I was directed to do. They raised my payment to almost XXXX what I had been paying the previous year. I refiled in XX/XX/XXXX for the new REPAYE plan. A glitch in their website caused my filing to be rejected, so I called immediately and refiled as they directed me to do. That was in XX/XX/XXXX. They directed me that I would need to pay {$5.00} for a temporary forbearance until they processed my paperwork. I did. When I still had not heard anything, I called again. They said that they would have to issue the invoice, that I could not just pay the {$5.00}. I waited until XX/XX/XXXX before they issued this invoice, and it was in the amount of {$4.00}. I paid this, assuming that the customer rep had rounded up the remaining penny. In XX/XX/XXXX I was notified that I was in default, and that I owed XXXX what my adjusted payment should have been, and that it was due in 6 days. I called again, and was told that I had not paid the {$5.00}. I referred to the {$4.00} that I had paid, according to the invoice they issued, and they were at a loss as to why I had been billed a penny short. They assured me they would have it resolved in 7-10 business days, and that I would be getting payment credit for the 8 months of non-payments for my non-profit forgiveness. The time has passed and I am still getting emails about being overdue. I have called monthly, sometimes XXXX times, for 8 months, and still have no resolution. It is ruining my credit score, causing XXXX, and I am at a loss as to what to do. It feels like a scam. I can only assume that I am not the only person being subjected to this mismanagement.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (PA)

I prepaid for a newspaper subscription limited to 28 weeks. At end of 28 weeks I did NOT renew the subscription, but the company continued to deliver newpapers and is now trying to collect a bill for the unordered papers. I have contacted them twice to try to resolve this, but they refuse to remove the bill and have now submitted the bill to a collection agency.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I have called BSI to try to get this handled and they would n't report it to credit beau they said it would take them 30-60 days for them to report it. It has already been over 30 days I 've sold my house and they still have n't reported it. They treated me like a 5 year old child and that I have no rights as a consumer. I tell them about the civil liability for willful noncompliance and they laugh at me.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO. (CA)

I received a phone call on XX/XX/2015 at XXXX XXXX from a case worker wanting to serve me papers named XXXX XXXX. He said it was from XXXX ( XXXX and XXXX ) at XXXX with a case # of XXXX in the California Court system. He also call me on XXXX at XXXX XXXX again saying I did not call the # he gave me. 

I called XXXX on XX/XX/2015 at XXXX XXXX and the person on the other end said it was from a Providian credit card debt and they were going to serve me court papers to start the collection process. 
He also said they were going to put liens on my home loan and auto loans if I did not work with them. 

This is an old non collectible debt the has past its statute of limitations over 4 years ago. 

When I explained that I understood my legal rights and the statute of limitations on old debts he got quite. 
I also stated that I did not believe that this was a legitimate case and that this was all untrue. 
He immediately got off the phone and hung up on me. 

All of these conversations were calm and collected in a professional manner. No threatening or rude behavior from either of us.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (VA)

When I originally submitted a application for a credit card at Chase Bank a few years ago, they gave me a range of interest rates that I could potentially qualify for. Then when they started my account, they gave me a rate well above the minimum. After several years of on time payments, I have requested a reduction in my rate. Now they are saying that my program never had a lower rate, and that I got the lowest rate available. I believe they are being dishonest.
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

Good day, Please accept this complaint, as I have been working with the servicer to modify my loan. We are in the middle of the loan modification and I have been very cooperative, this would be the second attempt to try to resolve this hardship. I do n't understand why they have scheduled a sale date for XXXX XXXX, XXXX. This is my home, my childrens home and I am very distrought with the fact my home can possibly be solved, where will we go? We have no where to go. Please help.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I was promised a XXXX via Chase Credit Card Specialist phone conversation.In this situation I had opened up a Southwest/Chase Business card that had an opening reward of XXXX travel points if a minimum spend of {$2000.00} was met within 3 months. In my first month I hit the minimum spend ( XXXX XXXX ) and in turn had earned the XXXX points. To make sure that I was to receive the points into my Southwest account I called into Chase to investigate. In this conversation with the specialist he assured me that I had indeed earned the points via the minimum spend, and that in fact made me qualify for the XXXX Southwest Companion Pass. In the conversation I made my concerns clear that I did not want to the points to disburse later that the new year or the pass would not be awarded to me. At this moment he assured me that they would disburse by the XXXX cycle and also left a note on my profile that stated these above points that I had earned the points and than in turn qualified me for the pass. Moving forward the points were not awarded before the end of the year and I missed out on the promised pass.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

I was contacted by a company by phone claiming to be XXXX XXXX. They said my computer was sending out error messages and needed repairs. Later that day I found a sent email as if I wrote and signed a document to a company named XXXX XXXX. I called Chase Freedom XXXX immediately because this was not submitted by me. I was scammed after calling XXXX and finding out it was not them and that they have no association with XXXX XXXX Over the XXXX months of trying to get my money back because I received no services from XXXX Chase finally told me it 's a civil matter now there is nothing they can do even though I was a victim of a scam/misrepresentation they are not XXXX and I am a therapist that could have lost everything I worked for.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (FL)

Account was opened in XX/XX/XXXX. 
Bank is saying that the last payment is XX/XX/XXXX that 's wrong. The last time payment was XX/XX/XXXX, so this account should have been dropped off my report by now. It 's been 7 years.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I had a commercial account that was only had check for purchases. someone at Chase bank allowed someone to get a Debit Card on my company 's account without authorization and stole a lot of money. Since I have other businesses I did not know that money of this magnitude because I was receiving update on my account on the internet, but that stopped and the address was changed for my statements to the business address. I believe that since someone in the bank help whoever was assisting the theft they will not take care of this problem.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

Chase, XXXX XXXX and XXXX XXXX refuses to give modification to certain clients whose loans they have classified as " subprime '' that were dispense during the recession in hopes the consumer will default and they will collect insurance.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

BSI financial does n't send me a monthly statement each month nor can I pull from my online account. In addition, it appears each monthly payment is not applied in the month in which is was paid. The account shows paid, however, the business office is a month to two months behind in posting the payments.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (AZ)

I fell behind on my mortgage due to a hardship. My Mortgage was with XXXX Bank, who sent an Auction Notice, the house is being Auctioned on XXXX 2016, then I find out when I call XXXX Bank that they Sold my property to BSI Financial Services. On XXXX XXXX, 2016. I have written XXXX emails and phoned BSI Financial 4 times so far. Last call was today and they informed me that they do not have my information in there system! What! I am being foreclosed on and the bank who bought my property has no information in the system on this. The rep. I spoke to from BSI after telling me he can find no records transferred me to a Dept. who should know something about what is going on, where I had to leave my name and number. I know they wo n't call me back. Now what do I do? I do n't want to loose my home! This is total fraud. I am in limbo! Is my home still in foreclosure since another bank bought it ( XXXX Bank Sold to BSI Financial )? I read the rating from XXXX and it is an XXXX rating for BSI Financial as well as being famous for never calling you back as well as terrible reviews. I feel totally lost, scared exhausted!
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

In XX/XX/XXXX my mortage with XXXX was transferred to Greentree. Starting late in XX/XX/XXXX I was almost forced on a modification by Greentree. I denied the modification and was harassed and called repeatedly by Greentree servicing agents. I almost lost my home due to the XXXX. I was called XXXX times in XXXX day alone the end of XX/XX/XXXX about a past due payment. I would like to be included in the class action settlement so could you please give me some information about how to go about that. To this day I am paying an additional {$3.00} for a " servicing fee '' on my bill which they have not yet explained.
Consumer complaint received 2016-06-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

XX/XX/XXXX I feel behind on my loan due to lost of employment. hence Ditech started foreclosure proceeding against me ... I was able to work with them & get my loan up to date. Ditech stated that if I pay {$910.00} in attorney fees that they would bring my loan current. I paid the fees XX/XX/XXXX and I have been making regular payments of {$690.00} every since then. I receive a letter in the mail stating that they were going to foreclose against me since I owed them {$200.00} in back attorney fees. Dictech never told me verbally or in writing that they were additional attorney fees and that my Mortgage payments will increase {$69.00} every month until those attorney fees are caught up. I have ask Ditech to supply a breakdown of these said attorney fees, and as of now, I have not receive such. This is unfair business practice, as I was never verbally told or written form that my mortgage will increase due to attorney fees. Also if Ditech knew that the attorney fees of {$910.00} was not sufficient they should have stated other wise, but they did accept my money without any hesitation and Ditech guaranteed me that my account will be in good standing once I pay the {$910.00} and continue paying my monthly payments of {$680.00}. Ditech stated that my payment of {$910.00} was not paid to the attorney fees but was allocated to my mortgage and my account specialist XXXX XXXX was no longer with the company. I am asking that Dictech be accountable for allocating the funds that I provided them in the correct order that they insured me it would be. As it is quite obvious that they are out to remove me from my home. I suffer with health related issues & with the added stress of a looming foreclosure is too much for my body to withstand both mentally & physically, especially when Ditech assured me that my account was in good standing.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

In the past year, Navient has not only driven me into financial hardship, they have also tarnished my credit. At the end of XX/XX/XXXX and beginning of XX/XX/XXXX my student loan payments had started. I called Navient numerous times to get my payments lowered as they were substantially high and I was ( and still ) unable to afford them along with my household living expenses. As of right now my payments are over {$900.00} a month, along with my XXXX loans which are around {$110.00} a month. When I called Navient in the early months of XX/XX/XXXX they had told me there was nothing I could do to lower my payments and did not take into consideration that I had an XXXX I needed to support. They had told me to stop making payments until my loans went into deferment and to call back after this time had passed and they may be able to do something as it will appear that I am unable to make the payments. After waiting I called back and explained my financial situation again, and asking for my payments to be lowered. After doing this for numerous months, as they had directed me to do, they refused to help me with a payment plan and they had me put my loans into forbarence for XXXX months. Knowing there " was n't anything they could do '' I started making my payments which are over {$900.00} for Navient along with my {$110.00} payment to XXXX, putting my family into financial hardship. 
Not knowing what to do and being able to afford to live independently with my family I did as they had directed me to do thinking they were going to help. Now I live with the harsh effects of this. I am now unable to consolidate my loans as every bank has denied my application because of the effects this took on my credit.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I have my loans with Navient, I filled out the information for them to lower my payments based on low income. One was lower but then my over all payment is now higher! They are horrible to work with they will nowt work with me at all. My Payment was {$180.00} now it is {$190.00} after one of my loan was approved to be lower. It make no sense. I was one who was with XXXX but then was switch to these XXXX!
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.
Consumer complaint received 2016-08-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I received a settlement check from my ally car financing company The check was deposited and it bounced in my account for amount of {$430.00} When I called to complain they said to send them proof because on there end it was cashed Which I submitted forms and every time I call them I get new reference new worker and no end result just that check is coming
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (TX)

I have XXXX XXXX coverage on my credit card account ending in XXXX. I tried to process a claim on XXXX. I was told by XXXX XXXX that my coverage was cancelled on XXXX. I received no notice of this. I was topld by XXXX XXXX to contact the card issuer, which I did. The card issuer told they had no information about this and to call XXXX XXXX. I call XXXX XXXX back and they tell me they have no information about this and to call the card issuer. Which i did again. The card issuer told me again that they have no information about this and to call XXXX XXXX. I call XXXX back again today, and they tell me the have no information about this..
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

I 'm trying to buy a leased vehicle from a friend who has leased it. The lease term is over and Ally Bank told us what to do so that I can own the vehicle. I sent the Bank Checks to Ally Bank exactly the way they instructed. It 's been a month and Ally Bank will NOT release the title to me even though they CASHED the Bank Checks two days after they received it, on XXXX XXXX, 2015. When you call the XXXX number, they transfer you to " customer service '' and the call actually gets transferred to some XXXX company, totally unrelated to Ally Bank! I really need some help to get the title to this vehicle as they CASHED the Bank Checks and are now avoiding my calls.
Consumer complaint received 2016-05-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

We own a XXXX Buick Encore & the check engine light has come on for the second time. The tac meter is sticking & the gas pedal does n't want to accelerate. I worry that when i am trying to press on the gas pedal the car will just fly forward when I am trying to get it to go & cause an accident. The dealer can not figure out what it is??? Should this car be recalled for this? If any one else is having this issue??