davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (MA)

They keep dening me of a loan modification after they request several documentation and I provide them all I ask if the could lower my mortgage because i could no longer afford to pay XXXX because my husband was diagnose XXXX and my son die and i had to bury him from out of pocket because i did not have insurance for him. My husband is now working while doing 3 days XXXX and i have XXXX job and selling XXXX XXXX so we can afford to pay our mortgage i just need to stay in my house of 14 years.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

In the last 5 years, I have been employed as a XXXX, paying my student loans very regularly. Prior to that when in between jobs, finishing up a XXXX Degree and beginning my adventures in paying student loan debt, I was unfortunately misguided and put trust in a company called Navient, formerly known as XXXX. Essentially, I was steered into forbearance as I was only given XXXX options : pay the unaffordable amount they had requested or go into forbearance until I could make enough money for monthly payments as high as they had requested. This was before any program related to gradual repayment planning was offered. During this time, I did take on the forbearance option as I had no other choice, and I was n't exactly well-informed of the accrued capitalized interest that I was signing up for. 
Later when I was able to enter in a program with a steady job, I was eventually enrolled into a gradual repayment program, which put 75 % of the money I thought was going towards student loans into the interest. Meanwhile my student loan debt/interest accrued. When I inquired about any alternative programming ( income-based payments for example ) this past XX/XX/XXXX when my loan increased immensely again, they told me I had XXXX options : Forbearance ( which was suggested ), continue in my very costly ( but beneficial for Navient ) plan, or pay what I now owed, which was almost double the cost of my student loan payments. I did n't qualify for the income-based repayment plan. After reviewing the numbers with my father, we found that my loans have almost doubled since I have been making payments.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I registered as a stufent at XXXX college. I was unhappy with the school and decided I wanted to withdraw. I approached the office and ask what the procedure would be and they told me I needed to see a staff member by the name of XXXX XXXX. I proceeded to do so and filled out all the appropriate paperwork. I was told I would not be charged since I only took XXXX class. Apparently XXXX XXXX was let go the following day after my withdrawal and did not complete my withdrawal so they proceeded to not only leave me registered they also signed me up for other semesters and charged me. I approached the school and they acknowleged their error but the principle XXXX said there was nothing they could do even though they clearly acknowledged they Made the mistake. They also tried to accuse me of taking courses and being in attendance which was an utter lie and they made the mistake of saying i attended a class during a time where i had proof I was not even in the State the entire month. I was basically told sorry and too bad your stuck with the debt so pay it or have bad credit. I have a family and I want to buy a home. I did not take these courses and followed all the right actions. This has truly hindered my credit rating and ability to purchase a home. I feel helpless and like I have no one to protect my rights.
Consumer complaint received 2016-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

In XX/XX/XXXX I filed paperwork to be put on the cheapest repayment plan based on my income. Instead, they placed me back on the plan I was on. I have called multiple times and was told yes this was their error and it would be fixed. I had to resubmit paperwork twice. It is now XX/XX/XXXX, I spoke to them yesterday and they said they made another error and it will be XXXX before I can begin making payments. I am wanting to make payments to count towards the public student loan forgiveness. Almost {$1000.00} in interest has accumulated since their error in XXXX and they are refusing to refund me that amount. 

Also, in XX/XX/XXXX and XX/XX/XXXX I made 11 payments under the IBR repayment plan which would qualify for XXXX. After I submitted paperwork, I was told only 2 payments qualify.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (LA)

I had my tax refund deposited and chime has stolen my account they refuse to give me access to my account even after me providing proof that it was that they were rude and discriminatory over the phone and refuse to answer calls or emails upon research they are doing this to a lot of people with tax refunds and their paychecks saying we need to look into your account and then taking the money please help I just want access to my account
Consumer complaint received 2015-12-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANKUNITED, NATIONAL ASSOCIATION (GA)

My father got an XXXX loan in his name XX/XX/XXXX after being approved to build a XX/XX/XXXX. The original bank XXXX was taken over & all assets were purchased by XXXX XXXX XX/XX/XXXX. My father passed away on XXXX/XXXX/XXXX. Roughly 2 weeks after he passed XXXX started harassing us about the loan not having an Owner or signer. XXXX demanded my fathers " will '' that left the rink to my mother be probated, so she transferred the rink to me since I was the other partner in the business. XX/XX/XXXX we were having problems making the payments, so XXXX gave the business 3 months of interest only payments. In XX/XX/XXXX, my family & I decided to turn in the keys. XXXX XXXX ASKED us to run the business until they could sell it. First they were going to Auction it off XX/XX/XXXX, then they cancelled the Auction & they were going to take keys XX/XX/XXXX. This went on until XX/XX/XXXX when we decided that something fishy was going on & we sought out legal council & filed for Bankruptcy. During the Bankruptcy proceedings we found that several of the XXXX Executives sold the {>= $1,000,000} loan to themselves for {$750000.00} under another bank name " BankUnited NA ''. We went through the court system and the day we were going to finalize the agreement, BankUnited brought in an additional lawyer that said he was hired by BankUnited to " Kill '' the business. We had an agreement with BankUnited the day before. My attorney, the attorney we had been working with AND the judge were shocked. We had done everything that we needed to do. After talking to some other XXXX/XXXX/BankUnited victums, they all had the same thing to say. There was no negotiation, just Foreclosure & personal bankruptcy. The group has been buying loans at a reduced cost, foreclosing & selling at a HUGE profit. It seems as though this group is double dipping at the tax payers expense.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (DC)

Hi I was contacted by a loan officer at Loan Depot named XXXX and he's a XXXX.  He tried very hard to get me into a 10 ARM even though I said that was not what I wanted.  When I pressed him that I wanted a 30-year fixed he said "great news, I can put you in a 30 year fixed that's "only" $XXXX more than the payment you have on your loan with 27 years left.  And I wasn't taking money out!  The closing cost was XXXX but great news he'll knock XXXX off and roll it into the loan!  So he wanted me to pay $XXXX/month higher and do so for 3 extra years.  He called me again today.  That's how I got his name.  He's scum.  Mr. XXXX (XXXX) email address is XXXX.   I'm obviously not going to do business with him or his company.  I just want people to know that this guy sounds like a XXXX.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (TX)

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in XXXX days.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (MA)

Chase sent my credit card to the wrong address. They then lied and claimed it was the address on file. I reached out to their customer service department but they keep blowing me off. They claim that my card was sent to the address on file, but that 's just not true. They refuse to accept responsibility for mailing my card to a different address and potentially compromising my data. I suspect that this was Chase committing fraud and trying to act like XXXX. There is no way to get a straight answer from them as their customer service just sends template brush off e-mails.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (GA)

You go to this " school '' in hopes to get an education and to better yourself to end up not being able to. They were localized to XXXX but had a branch in XXXX Out of nowhere the XXXX branch was told to pack up and get rid of everything. Papers, supplies, funiture ... you name it. Those that graduated have been told we cant go to state board due to the schools money fraud. We were lied to and allowed to be robbed educationally and financially. XXXX is a joke. More like XXXX.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

Starting in approx XXXX/XXXX  XXXX, my tenant occupied condo property that I own and is located at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NJ XXXX was put on a forbearance plan with XXXX  / Loancare mortgage company due to my tenants nonpayment of rent. To date, the tenant owes me over {$300000.00} in 1 ) missing rent, 2 ) property damage to the unit including theft of property and vandalism, and 3 ) other damage as a result of tenants breach of lease agreement. 

I have timely requested forbearance extensions for each phase and until now I have been granted these extensions. Ive spoken to XXXX / Loancare multiple times over the past several weeks in XXXX/XXXX  as my current forbearance was coming to an end and I am in need of an additional extension as the tenant continues to occupy my property without payment, and the NJ XXXX County courts have continued to allow tenant to do so without enforcing an eviction and order of removal I was awarded against the tenant.

I need 1 ) for my mortgage to remain on forbearance and 2 ) to have my mortgage amount reduced given the financial losses Ive been forced to suffer due to Covid and the extended eviction moratorium that has, and continues to, allow my unruly tenants to destroy the value of my property.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK. has refuse to credit my dispute and given the right to the provide. after the orange county sheriff is doing an investigation I hope you can see that I have take this very seriously. There is a police report an investigation case number. I am not paying for something I do n't receive just case a GPS of a mailman says that he placed in the mailbox. Plus you are the most irresponsible people sending a package over {$100.00} without an insurance. Insurance Coverage -- Priority Mail Priority Mail pieces bearing an Intelligent Mail package barcode ( IMpb ) or USPS retail tracking barcode ( see 4.3.4 ) are insured against loss, damage, or missing contents, up to a maximum of {$50.00} or {$100.00}, subject to the following : Insurance coverage is provided against loss, damage, or missing contents and is limited to a maximum liability of {$100.00} when the Priority Mail pieces bear an Intelligent Mail package barcode ( IMpb ) and if the mailer pays XXXX prices. 
Insurance coverage is provided against loss, damage, or missing contents and limited to a maximum liability of {$50.00} when the Priority Mail pieces bear an IMpb or USPS retail tracking barcode, and does not otherwise qualify for {$100.00} of insurance coverage as described in 4.2a.I will dispute this till the end am not interested of doing any business with a business so irresponsible as you guys. I want a copy of my receipt. I never received the item. Just because the item were suppose place in the mailbox it does not mean the were deliver to my hands.
Consumer complaint received 2017-02-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I have been a long time customer of Conn 's with a purchase record exceeding $ 40k. I have NEVER been 30-days late. In XX/XX/2016, someone in Conn 's AR department returned my payment to me BY CHECK, and then reported me to the credit bureau as being 30-days late. I wrote them several times and they still have me as being late although I returned the check to them stating that THEY can not make me late because of their error. I have since made another payment but they are still showing me late and the check has not been credited to my account. I feel they are deliberately trying to ruin my credit because I said how incompetent they are. 

Conn 's has the most incompetent accounting staff ever. Do not buy anything from them. The sales staff is excellent and they are in no way responsible for the horrific way the accounting is done. 

This all began when I paid an account off and accidently overpaid it. Instead of returning my money, they applied the overpayment to my open accounts which is not good business practice. This made varied accounts have different balances due than normal. I paid the full amount due and when I checked again the balance due was {$21.00}, so I canceled the {$130.00} payment and paid the {$21.00}. Conn 's had returned the {$100.00} difference in a check. Why, I have no idea. I am on a " 12-month, no-interest '' contract, therefore, payments in excess of the minimal should be expected, so why would the payment be returned? 

The problem is their ignorance and their attitude and that my purchase and payment history have no meaning. I have been tossed in the trash as if my reputation is something their incompetent staff have the right to tarnish.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX2023 my car broke down on the side of the road. I called Chase United 's Premier Customer Service line and was hung up on and they failed to dispatch a tow truck over XXXX! phone calls over XXXX hours, under their advertised benefits for my {$450.00} / year card. 

In successive calls ( 2-8 that day ) I spoke with a supervisor and was told all they could do was transfer me to unmanned Interactive Voice Response System which required a Policy Number to complete the dispatch request for the tow truck. When Supervisor 2-8 were informed of this and I politely asked them to remain on the line while I completed the call they hung up and never provided a policy number. 

Finally, I called a tow truck myself and got towed at a cost of {$160.00} which I paid with the same Chase card and submitted via their website on XX/XX/XXXX for credit or reimbursement which they refused. 

I followed up again today by phone, XX/XX/XXXX23, and was told XXXX ) Chase doesn't handle this, DESPITE PAYING CHASE $ XXXX for this card, XXXX ) They refused to do anything and they keep directing me to ( XXXX ) XXXX that requires the policy number to complete the call despite my Chase card being affiliated with the same phone number. This is UTTERLY UNACCEPTABLE. Chase 's delay cost me 3 days of hotel ( almost {$750.00} in hotel fees ) + Rental Car fees since the car didn't get to the dealership until XXXX XXXX XXXX on XX/XX/XXXX. The issue is NOT that it took XXXX hours for a tow truck to arrive but Chase 's absolute refusal to help fix the problem. On my XX/XX/XXXX call they informed me that " Chase does not have a policy number to share, '' and when I asked " Has anyone out of Chase 's XXXX staff ever tried testing the benefits you advertise to see if you can actually deliver what you advertise for, '' they said " No. '' In short Chase is FRADULENTLY advertising " Premium Benefits, '' to FRAUDENTLY elevate the perceived benefits of a {$450.00} / year XXXX XXXX XXXX and not delivering and worse yet hanging up on XXXX phone calls over XXXX hours. 

A formal investigation needs to be opened into Chase and they should be forced to pay retribution in the amount of the annual fees for anyone that has tried using this " benefit, '' which they know they are not delivering. Pointing me, and I would assume others, to XXXX XXXX XXXX XXXX ( for a tow truck ), XXXX ) XXXX is insane. Chase is the XXXX billing and collecting for this fee and CHASE should be responsible for delivering what they are charging members for.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX stating that they have no record of the account ending in XXXX.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (IN)

On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. XXXX XXXX XXXX
Consumer complaint received 2017-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (LA)

In XXXX of 2016, A major flood disaster occurred in the XXXX XXXX XXXX area where I live, Both President Obama and Governor XXXX XXXX XXXX issued a declaration of federal disaster. 
Mail service was sporatic at best and still is. I did everything I could to stay on top of my debts, With mail being an issue, I did miss a few payments, CBNA Sears Account number XXXX refused to give me a deletion of the late payment in XXXX. I sopoke to them on several occasions and they said a natural disaster was no reason to be late on a {$27.00} payment. They were rude and condescending about this debt, I paid the account off, and then they arbitrarily closed the account. I am asking for the law to be followed on credit reporting after a natural disaster.