davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (CA)

There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.
Consumer complaint received 2016-01-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (CA)

My mortgage provider, United Wholesale Mortgage, is withholding way too much from me in my escrow account. I 've called and written complaints to them and they 've ignored me each time and/or given me the runaround. Over the telephone they 've said they will fix the issue and I call back and get the runaround each time. Meanwhile, I 'm forced to pay money into an escrow account that has FAR more money than necessary to pay the required expenses. My next step is to file a class action complaint for RESPA violations -- their customers ' escrow account payments should be an easy math equation and these guys apparently ca n't get it right!
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (WA)

I have a credit card with Chase. I have been very good at not making late payments for quite a long time. My FICA credit score is XXXX as of this month. I even paid the card off completely not long ago ... and now I have a little over {$300.00} balance which will likely be paid off in the next month or so. My complaint is my interest rate. It is at 29 % and has been for a long time. I did have serious financial problems a few years ago and had some late payments which is when they raised it to this ridiculous level. As stated above I have been being good for a long time now. I called Chase asking to have my interest rate lowered and I was told they do periodic reviews. I feel the periodic reviews must be few and far between. I want my interest lowered and also feel I should be reimbursed some of the interest charges I have paid. I feel what they have been doing to me is a crime ... if it is n't it sure should be!
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (TN)

We received a bill in XX/XX/XXXX with a New balance for the month. We paid the full balance before the due date and did not use the card for any additional charges for the month. When we received the XX/XX/XXXX bill, which we expected to be {$0.00} since we paid the full amount, we were shocked to see that the company, Chase Card Services was charging us {$80.00} for interest. 

Obviously, we want the charges for the {$80.00} additional in interest removed from our bill, as we paid the full amount due before the due date. I am not sure why they would show you a new balance and expect to be able to charge you interest on it when you pay it in full. 

We contacted Chase and spoke to 4 different people about the issue, and all refused to remove the amount due from the card. 

Thank you.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (MI)

A debt that was confirmed not to be mine in XXXX has once again been resurrected. XXXX XXXX contacted me numerous time threatening to take this action to court as well as " ruin my credit '' if I did not pay the balance as well as interest since XXXX!
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

Numerous times I tried to have Navient do an income based repayment plan since both my husband and I had lost our jobs. Each time they put my loan into forbearance instead. To get caught up they finally let me start a payment plan but it was to pay the full amount of my loan but they only set it up for one loan and failed to tell me causing late payments and fees. They have XXXX on multiple years of loan debt die to the forbearances.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

On XX/XX/XXXX I received an overdraft fee of XXXX , from Sun Trust despite denying overdraft coverage on XX/XX/2016. By denying overdraft coverage I wanted my card to stop processing transactions and be denied at the retail institution. This did not happen. I went into the Sun Trust bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX around XXXX and the Branch manager XXXX XXXX refused to reimburse me the overdraft fee.
Consumer complaint received 2015-11-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (SC)

I attended XXXX XXXX located in XXXX, PA from XX/XX/XXXX to XX/XX/XXXX. In order to attend XXXX XXXX I received private student loans through the National Collegiate Trust. Upon graduation in XX/XX/XXXX, I have experienced difficulty paying my loans back due to poor wages and the birth of a XXXX child. However, I have done my best to keep NCT in the loop. At this time I am currently back in school full-time in order to obtain a better job so that I may pay back all of my student loans. All of my other student loans are currently in forbearance. I am not working, I am in school full-time. NCT has hired XXXX XXXX to handle the collection of the balance, despite the fact that XXXX XXXX XXXX manages to the payment schedule. XXXX XXXX called me XX/XX/XXXX and indicated that if I did not pay the loan or my cosigner did not pay, then NCT would liquidate the loan. At this point the associate indicated that they would then go after my co-signers ( my mother ) bank account and income. It is my understanding that this is improper behavior on the associates end and is threatening in nature. At this point no judgement have been rendered, so threatening to wipe out my bank accounts is egregiously out of line. It is also my understanding through research and communications with American Educational Services and National Collegiate Trust that XXXX XXXX is a scam.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (KY)

I begin using fed loan services in XXXX in XXXX. I moved in XXXX of XXXX, I have reported the change but I did not receive any statements from them which I thought was strange because It was time for me to do a deferment. I contact fed loan services again and I was told that my deferment has ended and it was time for me to renew. as I did, I was n't aware that I was late on payments. 2 years later I check my credit score and it showed that I was 30 days late. so I dispute it with the credit agency and then fed loan services, reported that I was 120 days late. now my credit has decrease due to this. I have tried to dispute this with them and they declined every attempt I have tried to make with correct this issue. I even contacted the ombudsman, and still I receive nothing.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (KY)

I have been receiving about XXXX calls per day to my cell phone which is registered on both the Kentucky and national no call registries. When I answer the calls there is no one on the line. I have not been given the opportunity to talk with anyone. I have not been contacted by any business or company that I do business with declaring that I owe them anything. I just checked my credit report and there are no negatives on the report. I guard my credit by keeping all debts current. I am never late or delinquent when it comes to making payments. My credit score is always around XXXX. I am totally confident that I owe nothing to anyone and that there can not be a legitimate reason for CBE Group nor any other collector to be calling me.
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

Bank : Chase Bank Type : Business Checking Account number : XXXX In XXXX 2015 XXXX fraudulent checks were written on my business account. We contacted the bank immediately we noticed the XXXX fraudulent checks and gave them the XXXX checks information. We were advised to close the account which we did and we were assured that the monies will be refunded. Months later we noticed that only XXXX of the XXXX checks were refunded. We called the bank to find out why the checks for the amount of {$640.00} and {$570.00} were not refunded. We were shocked to be told by chase bank that we should have inquired about the status of the refund for the remaining XXXX checks within 60 days even though we filed the complaint for the XXXX checks within their required 60 days from the day the checks were cashed. For this reason they denied the claim for refund. Chase bank is now saying that not only should we have filed the complaint in 60 days which we did but we are also responsible for making sure that the claim is completed in 60 days. If a claim extend beyond 60 days and someone inquires about it, then the claim is denied. I think this is unfair business practice.. 
Please kindly look into this matter
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (OH)

Beginning in XX/XX/XXXX, I received our escrow analysis sent to me by our mortgage company TCF. Seeing two months with a reported {$0.00} paid into our escrow account, I called and explained that was an error and asked for a new report to be run. 

A few months later, I had not heard back and called in and chatted with XXXX. He sent me my payment history which shows I did in fact pay my escrow. He said he would look into it and get back to me. 

Two weeks later and no return call, I called again and talked to XXXX. She repeated what XXXX had said. I received a call back from her on XXXX but when I called back I was unable to be connected to her or XXXX. I talked to XXXX at XXXX XXXX who gave me a new number to call XXXX. I left a message at that number for a Mr XXXX. I have never heard back from him. 

I sent a certified letter as my Notice of Error ( attached below as TCF Bank ). It was delivered on XXXX at XXXX XXXX. I have not heard back from anyone in response to the letter. 

on XXXX I was fortunate to talk to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they agreed there were zeros for those months on our escrow statement but there was a payment made. I was given an ID # of XXXX and was told this would be labeled a high priority. To date ( XX/XX/XXXX ) I have not heard back We have been making extra payments to our account in good faith but I do not want to continue to do so. We do not believe there is an escrow shortage. The months of XX/XX/XXXX and XX/XX/XXXX did in fact have payments sent by us for our escrow account. I can not explain why the escrow department did not credit us those amounts. As an added unexplained item, in XX/XX/XXXX there is an unapplied {$800.00} on our account that can not be explained. We did not send in any additional payments and according to many TCF employees, there is not a check or explanation as to where it came from. 

Until XX/XX/XXXX ; we were sending in paper checks for our mortgage.However, TCF does agree we sent them in. How those monies are not showing up in our escrow account I can not explain. I have no idea if this has any bearing on the the disputed escrow amounts. We are now paying electronically and hopefully this will not happen again.
Consumer complaint received 2016-04-15
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC (LA)

Big Picture loans. Fraudulent practices. Received letter of pre approved {$800.00} loan. Not a payday loan the letter read. Pay fee of {$280.00}. Payments were to be taken out of my checking account XXXX XXXX, 2016. Every two weeks. After I applied online I was deanied. About 20 minutes after denial, I received an email stating that my loan was being processed. I went to website and found out I was approved for the loan. I later found out truth in lending disclosure never could see. Loan was 850 % interest. I tried to cancel my loan, no reply. Finally after one week, I received an email they big picture loans were taking the money out of my checking account early. On XXXX XXXX. I explained to them I did not have that in my checking account and that my checking account become overdrawn I beg and plead with them as I am going through a XXXX having to XXXX end would not be able to pay back what I thought was an {$800.00} loan with a {$200.00} interest fee to a {$6000.00} loan the representative told me that she could not comply taken out of my account three weeks early because of that I am overdrawn by {$540.00} since big picture loans my life has been turned upside down and call me at least four times a day please help me and they are predatory lenders. I am afraid of looking my job. Because of their threats. They took the money out out of my account. My bank paid them, but they want more. 
Come to find out big picture loans is formally castle payday loans I would have never gotten along if I thought it was a payday loan with interest-rate that high I am already living paycheck to paycheck in jeopardy of going bankrupt and now finally I have to XXXX and XXXX years young and terrified of this company please help
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance.
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

In XXXX 2015, I completed my annual certification for my income based repayment plan. After this submission to FedLoan Servicing, the private company contracted by the Federal Government to service Federal student loans, I received an email confirmation stating that my annual re-certification had been received. I monitored my account online for about XXXX weeks and when I noticed that my re-certification had not been processed I called Fedloan Servicing to inquire. I was told that I had incorrectly completed the application. I knew this was incorrect so I called back. The next representative told me that there was simply a backlog and that it would be processed soon. Finally, the third time I called I was told that there is a process that I must go through in order to go from Income Based Repayment to Pay As You Earn, XXXX of the income based repayment programs. The process was initiated where I would make one payment before moving to the Pay As You Earn repayment plan. This bill never came. I called back and after being given wrong information from the representative for the third time I asked for a supervisor. The supervisor informed me that everything was in order but they were very busy and I would have to wait for my account to be processed. This conversation took place in XX/XX/XXXX. It is now XX/XX/XXXX and five months since I submitted my initial application and still no action has been taken by Fed-loan Servicing. To make maters worse I am now receiving delinquency letters but being told to ignore them by representatives of FedLoan Serving. I have also had to call Fed-loan Servicing on my own to make sure they do not automatically bill my bank account for bills that FedLoan Servicing admits are being generated in error but can not do anything about. Had I not called they would have removed over {$3000.00} dollars from my bank account. I would greatly appreciate the CFPB 's assistance in dealing with this Servicing Company so that I can avoid any negative credit reporting or other damaging results caused by FedLoan Servicing 's incompetence. I would also add that I am an attorney with some experience dealing with student loans and would expect that many thousands of inexperienced borrowers are harmed by FedLoan Servcing daily due it 's incompetence. Thank you for your kind consideration.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (OR)

I had a Macy'sXXXX XXXX credit card XXXX I was signed up to receive electronic bills through my bank. Macy 's stopped sending bills to my bank after my XXXX 2015 payment, but they did not notify me that they were changing their billing procedures. By the time I realized that I had not been receiving bills, the account was 3 months past due. I contacted Macy 's. They had no explanation, except to say that they had problems with their system. I paid off the account and closed it. I then contacted the Macy 's credit department to ask if they had reported my account as delinquent. They had and I was told that there was nothing they could do about it. Fortunately, I have excellent credit and it does not appear that this reporting had a negative impact on my credit rating. However, I feel that this whole incident was Macy 's fault for changing their billing procedure without notifying me.
Consumer complaint received 2016-01-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp (CA)

I had a loan from Lending Club in the amount of {$35000.00}. It has recently been charged off and now I owe around {$37000.00} to them. 

My financial situation became dire last year due to some increased financial obligations to family members and house that we recently took over. Prior to these sudden changes, I had made XXXX successful payments on time with this current loan, as well as several on time payments with another Lending Club loan before I had it paid off. 

Due to falling delinquent around XXXX of last year, I attempted to make several arrangements to catch up but fell short. As a result of that, around XXXX of last year the loan was referred to a collection agency called XXXX XXXX. I began working with them to establish a payment plan. I was able to commit to {$110.00} dollars or so over a 20 month period just to get Lending Club some sort of payment. I made XXXX payment in XXXX. When XXXX 's payment came around, I was advised by XXXX XXXX that Lending Club already charged off my loan. When I was told that, I was extremely upset and placed a stop payment on the XXXX payment as I got tired of getting the running around from them. 

Every time I called Lending Club they they said I could n't speak to them and I needed to speak to XXXX. When I called XXXX, they could not give me any more details other than the delinquent balance. 

Today is XXXX and I have sent XXXX emails and made several calls to Lending Club ( to which I finally got a call back ). I wanted to discuss settlement options with them to alleviate the balance owed as my credit score dropped to the XXXX range from around XXXX. The settlement option they gave me was over a 12 month period for a balance of about {$24000.00}. I told the representative on the phone that I fell behind on my monthly payment of {$1000.00} and for them to expect me to pay double that per month over 12 months was assanign. I had to ask the representative the following question twice, " how can a person who ca n't pay X, now be expected to pay double the balance at Y? '' I need assistance here for this matter as I 've never had a delinquency before. I am a single income supporting my wife and XXXX children and I want to make this right. To add insult to injury, I just got into a car accident last week and I feel my car might be deemed salvaged by the insurance company given how old it is. So my only form of transportation to work might be taken away, and now that I have a horrible credit score, I would n't be able to get a car lease or a loan to purchase a new car if I wanted to.
Consumer complaint received 2019-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (WY)

I checked my credit and saw an account from Conserve for {$240.00} for XXXX XXXX College, which is odd because I never attended. I sought information and started the application process, only. However, when my request for federal financial aide was denied, I was unable to register for classes. So, I never attended the college, not even for orientation. I am going to file a formal complaint as well with the department of education for fraudulent accounts being opened and collected on at this college.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC. (MD)

Several weeks ago I received confirmation that a dispute that I had with SunTrust Bank had been resolved in my favor and a credit would be issued to me at my SunTrust Bank Account. Today I opened up a piece of mail from SunTrust Fraud Managment Services suggesting that the dispute has not yet been resolved in my favor and requesting that I fill out a form pursuant to this earlier dispute which I was told had been resolved in my favor. Now I need clarification : " Has the dispute already been resolved in my favor and is this form merely the result of one part of the bank not knowing what the other part is doing? '' OR " Is the bank rescinding it 's resolution of the dispute in my favor or making it contingent upon the completion of additional forms? '' Can I ignore these new forms? Or must I continue to dispute the charges? The forms are confusing in that they list a credit and charge for equal amounts relating to XXXX of the XXXX charges I disputed earlier before clsoing my account.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Citibank offered a bonus of XXXX Thank You Points when opening a Citigold account with the following criteria : make a bill pay 2 months in a row. I called in to create an account and was told that I would be eligible to receive the points if I satisfied the criteria. I opened my account in XXXX, and after calling in several times to confirm I had met the requirements ( and was told I did ), was told to keep waiting. Come late XXXX, I received an email that I was not targeted for this promotion, and would thus not be eligible to receive the promotion.