davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (CA)

The company handling my private loan is called XXXXGreatLakes and I have recently noticed that they are not applying my payments correctly. I have a monthly payment of {$77.00} that is due on the XXXX of each month and I end up paying {$100.00} instead to pay down the balance or so I though. What this company has been doing is using that extra amount and setting it aside labeling it as " Paid Ahead '' total thus preventing me from quickly reducing the balance. I have contacted them several times now and each representative has refused to apply that past extra amount and all future excess payments to my balance. Right now there is nothing that I can do but ask for your help. I am already burdened with a massive amount of student loan debt and this just adds to the feeling of hopelessness.
Consumer complaint received 2016-05-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (CA)

I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.
Consumer complaint received 2016-06-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MEI AUTO FINANCE INC (TX)

MEI Auto Finance, also know as XXXX continually reports my auto loan as delinquent. The payment in question is from XX/XX/2016. They submitted the corrections as of XX/XX/XXXX to all of the bureaus, which was temporarily corrected, but again reported the payment late and have done so for the past two months. I was advised by the agent that they realize my payment was n't late. She said the reason the payment reflects as late is because their website ( XXXX ) applied the payment to a late fee first, shorting my regular payment. I advised her that when I paid, there was no mention on their site of any late fee, or else I would have included it with my payment. I have never made a late payment to them. She said that due to the technical issue, I would need to call them to ensure it is applied correctly. I told her that sounded a bit unorthodox. I later spoke with another agent, who advised me that there is no one there that does credit reporting for them. He said that the prior individual had left the company and that they had a new director. He acknowledged that this was certainly an erroneous marking and that he would see what he could do to resolve it. A couple of days later, we received an email from the bureaus advising us that the erroneous payment had been removed. I monitor my credit report and decided to follow up on why it had recently reported a late payment. I discovered that the late payment was back on my credit report as though it had never left. It reflects on all three bureaus. Not only did all of the bureaus update the correction, but they also restarted this nightmare for me. Please help because neither party seems to be concerned in resolving their technical issues or complying with FCRA, despite knowledge of the inaccuracy and escalations from me.
Consumer complaint received 2017-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (IL)

Got behind 5 days on my car loan when the calls started. The calls were 4 -5/day and begin around XXXX. When I talked to them, I told them the situation of slowed commissions and explained that I would be back on track well before 30 days. The calls did n't stop, finally I had to talk to them again and told them I had already spoken to them about it and explained the situation. That still did n't stop the calls. The calls come from several different numbers and it has gotten to the point of harassment.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (PA)

I have had m & t as my bank for many years. Every year 2 times a year they take from my account {$14.00} for direct deposit. My checks are directly deposited very month. I called them yesterday about it and they refuse to reimburse me. So for over 10 years they did this and it cost me XXXX dollars a year. It 's due to their computers. Not my checks.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (TX)

My name is XXXX XXXX XXXX. I had a loan no XXXX with M & T Bank ; I requested a payoff by e-mail because is one the option I have to get the pay off. Bank e-mail me back asking me to submit my request in writing. I fax my request in writing. When I received the payoff the fee for the letter was a {$100.00}. I called customer service and request fee to be waived because I was not informed for cost to produce the letter. Under Fair and Responsible Lending and Servicing I was not informed of any fee so I could not make an informed choice. I am a XXXX with thick accent, when I called customer service ; I was treated like a second class citizen for customer service representative making me feel like a second class person. I believe that customers have the right to be informed of any fee that we have to pay before our request is completed. I really believe that M & T bank do n't like to deal with people with accents or other ethnicities.
Consumer complaint received 2016-11-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NJ)

Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in XXXX XXXX XXXX in XXXX, XXXX NJ XXXX in XXXX which was closed in XXXX, in XXXX XXXX XXXX was taken over by M & T bank , And yesterday when I went to bank asking for the copy of the log book of access to safe deposit box, branch manager XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ) said they can not get it as the bank is changed and she called and emailed few places and said she will call me back and update me and today she left me massage that she can not get that information, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFBB can help me getting information from them. 

Thank you XXXX XXXX
Consumer complaint received 2016-04-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (TN)

Global Receivables Solutions is attempting to collect a debt I have on a medical bill from XXXX XXXX XXXX XXXX, and have been doing so for the past 2 years. 
However, I am already paying this debt back through a different agency called XXXX XXXX XXXX XXXX XXXX, and my account with them is open, in good standing, and has been since XX/XX/XXXX and has not been transferred to any other agency. 
This is the third time Global Receivables has attempted to collect this debt, and the third time they have been able to attach a collection notice to my credit report. 
On Friday XXXX XXXX, 2016 the most recent collection was removed from my credit report after I filed a dispute. However, XXXX XXXX, 2016 the notice is back. 
This needs to be corrected immediately, and I would suggest that the FTC look into this companies practices for debt collection.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (NM)

XXXX XXXX has my name and social security tied to an unpaid account that does not belong to me. They used Stellar as their collecting agency. Since the unpaid account did not match my address, I never got a bill from XXXX for the unpaid balance. The first time I was approached about this issue was from a Stellar agent. He spoke with my wife, as my wife was trying to communicate to him that we did not reside at that address and our name should not be tied to that account, the agent told my wife that sometimes people can be living a double life ( big time harassment ). Since the amount is only for XXXX nobody is willing to put in time to investigate the issue. My credit is tied to this unpaid bill and now I am trying to buy and investment property and the bank is telling me that I have to pay this debt. Please help with this matter.
Consumer complaint received 2016-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ATG Credit, LLC (NY)

I previously filed a complaint against ATG Credit for not willing to get a corrected amount for a loan they were collecting on. They responded to the complaint that they would find the correct amount and bill me appropriately. It has been 4 months and they still have n't contacted me. When I try to call them, they look up my account number and put me on hold for over a half an hour each time and no one ever picks up. I have even emailed them and receive no response. They believe I am not aware that there are XXXX separate loans but I am and have been paying towards them XXXX for several years. They are trying to charge me the initial amount that the loans were first taken out for and not the balance i owe now.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (UT)

I have two issues with JPMorgan Chase Bank. ( 1 ) My uncle had a checking account at Chase with myself on the account as POA. No other name was on the account and it had no beneficiaries. My uncle died on XXXX XXXX, 2016. I am the executor of his estate. Because his daughter had tried to steal his estate some years earlier, he had by name " disinherited '' her in his will. I brought the will to my local Chase branch in XXXX XXXX, Utah, but the representative said that the Bank did not need a copy of the will. On XXXX XXXX, the daughter withdrew all the money ( {$26000.00} ) from the account at the branch in XXXX, CA. On XXXX XXXX, I discovered this withdrawal on the bank statement. I immediately reported the fraud to Chase Claims. Why would Chase give the money to someone not on the account and specifically excluded from my uncle 's will? The Claims department said that they would need to investigate, but required an affidavit from me before they could start. ( 2 ) On XXXX XXXX, I brought my completed affidavit to my local Chase branch. The branch faxed the affidavit to the Claims Department - their fax number is on the affidavit form. On XXXX XXXX, I telephoned Chase Claims. The rep said that the fax area would electronically attach the affidavit to the online claims and that the Claims department would not start investigating until the affidavit was visible. The rep said that the affidavit was not yet visible, but it could be " in the pile '' so that I should wait until Monday. On Monday XX/XX/XXXX, I telephoned again. The affidavit was still not attached. The Branch Manager at my local branch promised to re-fax and let me know. XXXX XXXX, Claims could still not see the affidavit, but " could not telephone '' the fax area to know if fax was there. I faxed the affidavit from a XXXX store. I escalated the issue. The branch manager was able to get the affidavit to XXXX XXXX in the executive area, who, he said, would help me. XXXX XXXX, Chase still does not have the affidavit. In summary, the Chase branch has faxed the affidavit at least four times and I have faxed it once over the last 14 days. ( FYI Chase refuses to accept an attachment to an email. ) Yet, Chase can not and will not try to find the faxes in the Claims fax area. Apparently, Chase does not have the capability to know if a fax was received. Chase refuses to start investigating until they have my affidavit, even though I did technically provide the affidavit to Chase in the branch. The possibility of recovering the money stolen from my uncle 's estate is reduced every day that passes. I am caught in the bind of Chase not being able to receive my affidavit no matter how hard I try and Chase refusing to investigate until they have my affidavit.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NM)

Due to a significant drop in income, I initiated an application for mortgage assistance/modification to Chase on XXXX/XXXX/15 - since that time I have repeatedly submitted document after document per their request. I have been told on FOUR occasions that they had all the information they needed to proceed with their underwriting process. During this 7 MONTH process, I have complied with all requests and continued to make my mortgage payments - even though I had to take money out of my retirement to make those payments. Chase employees have lied to me several times, and failed to come up with any modification to my loan. I have read online that this is a common complaint and has resulted in multiple lawsuits - which may be the only way to resolve this issue. Either Chase is lying that they even have a loan modification program, or they make the process so impossible that homeowners are forced into foreclosure.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (AP)

I became aware of an account opened with Chase bank when I applied for a credit card and was denied due to delinquency with the bank. I informed the Chase bank that I have no account with Chase bank, so they looked up my SSN in their system and they found there was and account open with my SSN in another name. After two and a half hours on the phone with Chase, I finally reached the Security and Fraud team of Chase who asked me to fax a copy of my SSN Card to them. I have problems with the situation where I 'm trying to report Identity Theft and fraud to a company that wants me to prove who I am by me faxing my SSN Card to a location that I can not determine the destination. During my talks with them they had immediate credit reports from XXXX, XXXX, and XXXX at their fingertips that indicate that my SSN is connected with my name, yet they place the burden of proof on me to prove who I am after failing to perform due diligence in verifying the person whom opened the account with my SSN. I was underwhelmed by their service. Chase was delinquent in obtaining sufficient identification from someone who sought and achieve taking money from them in the form of a loan, and they have place the burden of identity on me. It appears that Chase has sold the loan to a strong arm collection agency and I 'm now being asked to pay the money at XXXX and other crazy times. Very upsetting. Chase get with the program, you should be ashamed.
Consumer complaint received 2015-08-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

Dear Sir or Madam : JP Morgan Chase NA does not let its customers transfer money on a recurring basis on or after a date of the month. The " transfer on '' date can only be the deliver on or before date. It can never be the " send on '' date. This means a consumer wanting to transfer their money to an external savings account risks overdraft because the " send on '' date is uncertain due to the random occurring weekends and holidays. Moreover, preventing customers from choosing the " send on '' date for transfers biases Chase Checking account holders towards having savings accounts with Chase to eliminate the overdraft issue due to randomly occurring " send on '' dates. 

I think this practice of not allowing customers to specify the dates of the month on or after their funds are sent may be an attempt by JP Morgan Chase NA to discourage external savings accounts and to boost overdraft fees. 

A consumer who selects a XXXX of the month transfer date on XX/XX/XXXX, for a recurring transfer will have the following next XXXX transfers. 

Send On Deliver ByXXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXXIf that consumer gets paid on the XXXX of the month, she will have XXXX overdrafts if she does not have funds prior to getting paid to make the transfer. A Chase checking customer will have to select the transfer on date of the XXXX of the month to guarantee that none of the next XXXX transfers is sent on before the first of the month. Moreover, there is no guarantee that she will not have a transfer sent prior to the XXXX of the month after the first XXXX transactions leading to an overdraft. I believe that this might be a predatory way to set up transfers to maximize overdraft fees and scare JP Morgan Chase NA checking customers from using external savings accounts which likely offer better interest rates than Chase. 

Sincerely , XXXX 
XXXX, LA XXXX : ( XXXX ) XXXXXXXXXXXX
Consumer complaint received 2016-12-12
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Alorica Inc. (TN)

They have n't actually threatened legal action but I am having trouble paying what I own. I am on a payment plan and I have been paying on time every month for at least 6-8 months. I have not received a bill in 2 months. Got a letter last month saying I was late. I paid it. Did not receive a bill this month. I attempted to pay online - their online service does n't work. I attempted to call the number on a bill stub from a previous bill - the message says they ca n't take the call due to unforeseen circumstances and hangs up. I called a different number on their website, spoke to someone who said he 'd transfer me to the correct department.. he sent me to the same number I had previously dialed and I got hung up on again. Tried calling back the number where I actuall talked to some one and 4 times I have been sent to voice mail. I left a voicemail, I filed a complaint on their website. I have not been contacted from them. I am working hard to raise my credit score and pay my debts but I am at my wits end with this company. There is n't even an address on the payment stub for me to send the payment without a current bill. How am I supposed to pay it when I ca n't get any cooperation from the 3rd party collection agency?? Being late with them will report negatively on my credit since a payment plan is in place.
Consumer complaint received 2015-08-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Aqua Finance, Inc. (TX)

This is actually a dispute complaint to respond to Aqua finance 's response to our latest complaint against them and there colleagues. Aqua finance in there response stated that they are glad I sent pictures, they did n't expound on which pictures and if they are referring to there work trucks you can clearly see there trucks have tx plates. XXXX was using there work trucks to follow me down XXXX just about every day and also when I would leave XXXX driving on XXXX. It seems funny that XXXX is discussing some of the pictures but what about the correspondence between them ( Aqua finance ) and the XXXX that I sent your department? The correspondence clearly shows that Aqua finance like a lot big companies when they get cornered they will lie! Aqua told the XXXX that they do n't have any other company working on our account, that was a lie and if your department have been reading our update complaints you know from reading the documentation that after numerous complaints submitted to the XXXX Aqua finance finally admitted to having a 3rd party company working on our account by the name of XXXX XXXX. Aqua finance also stated to the XXXX that they do n't work in real estate and that they never have and they never will. Another lie if your department reviews there web site you will see not only is Aqua finance involved in real estate, but they are also involved in mortgages, car loans, and personal loans. This is just a short list of Aqua 's business ventures. Aqua has clearly been caught in several lies and it 's on paper! This company and there colleagues have been felony harassing my family for over 4yrs. Aqua illegally sued us without our knowledge and have been trying to force us out of our home for the last 4yrs. We even tried to pay these crooks 3yrs ago and finicial systems of greenbay told us they do n't do written contracts. Finicial systems of greenbay told us they only do verbal contracts and we knew that was n't right. They had 1 of there XXXX ( agents ) damage our sons car so I called the police and I told the officer what has been going on. The officer told me not to pay them because without a contract we have no proof that we have been paying them. I also came to the realization that there ca n't be a contract because the case is supposed to be closed! Once again these companies are caught using illegal practices. Aqua has almost XXXX XXXX complaints that have been submitted against there company and there affiliates. All these victims saying the same thing ca n't be lying. The next time we talk to Aqua will be in court with our lawyer, along with the media and as many of aqua 's victims as we can find to come forward to give there testimonies!
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (WA)

On my loan account on AESSuccess.org, there is no information that I can access to check my loan balance month over month or even access this month 's loan balance. This is deceptive and makes it impossible for me to keep track of my loans and make sure that AES is not adding in fees or can be held accountable.
Consumer complaint received 2016-07-07
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (MO)

PHEAA offered rehab program based on my income. I receive {$1300.00} from XXXX. PHEAA garnished $ XXXX/mo for several months and then began taking $ XXXX/mo as well. I demanded they stop taking the {$200.00} as part of the rehab program but they are still garnishing me $ XXXX/mo which I do n't believe is based on my income. Also, they should be able to forgive the entire debt based on my XXXX but they wo n't because I get reviewed every 2 yrs instead of every 5 yrs. This is ridiculous XXXX.