davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: USA DISCOUNTERS LTD (MD)

I have bi-weekly allotments that come out of my account for USA Living ( previously USA Discounters ). Because I ran in a financial hardship at home, I ceased my payment XX/XX/XXXX to the present date ( roughly one month ). Once the allotment was no longer sent to my account with XXXX XXXX XXXX, I began receiving daily phone calls. Next the emails started. I communicated with a representative by the name of XXXX XXXX and informed her that I had pertinent financial obligations at home, which required me to temporarily stop the allotment, which in turn, I agreed that I would re-start within the next two weeks in order to ensure that the following month 's payment would be received on time. She told me that based upon what was already in my allotted account, that I owed an additional {$160.00} and that as long as it was received before XX/XX/XXXX that she would not report an adverse note on my credit report. I told XXXX that I 'd take care of it before the end of the month, and that I needed a little more time to ensure that things at home were okay. Three days later, I received emails from her stating that I failed to comply and that they would refer me to their pre-legal department since they did n't receive the {$160.00}. Again, I reiterated to her that I said I 'd get it in before the end of the month since two weeks had n't passed since we last talked, and I did n't receive my next paycheck. I then tried to contact the store in XXXX, and noticed the phone was disconnected. I then tried the store in XXXX, and noticed the line was disconnected. In turn, I did an online search and learned that the stores shut down. I emailed XXXX and requested for information in writing about what happened, and also to provide information on how I can mail my balance of {$160.00} since I was not comfortable sharing my personal bank account or credit card information. She still remained persistent and threatened to refer me to the pre-legal team. I 've yet to receive any notice of what happened. She said that I still have my contractual obligations to fulfill and that was it. I would like to mail my remaining balance as my contract does not state that I have to provide a personal credit/debit card for payment. Typically, I could run cash into the store, however, since the stores are closed I no longer have that option. Please help as this is truly concerning in that she is not willing to provide any written communication as to what happened and how I can continue to make alternative payments, which was previously an option.
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CO)

Our mortgage has been paid to below XXXX % since XX/XX/XXXX. By law, the servicer is required to drop Private Mortgage insurance at that point. I have requested our servicer, BSI financial to drop the PMI three times, and it has not happened.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (ME)

My husband and I have applied for a mortgage modification with Chase. After four months and hundreds of pages of requested documentation not to mention numerous conflicting requests, numerous statements by Chase customer service representatives that our file is ready for review, On the same day another request for more documentation comes. This is a frustrating and costly process for folks with low income but good credit. Are these banks hiding behind federal laws while requiring mountains of documentation only to have the original application " time out '' due to their inefficient process.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NC)

I am in process of refinancing a Chase loan. We have had numerous issues, possibly illegal and/or unfair lending practices. The most important grievance is on the day of the closing Chase added a {$1600.00} Principal Reduction charge without any notification in addition they did not have a corresponding reduction in the mortgage amount. I received my last Closing Disclosure on XXXX XXXX and my closing is today XXXX XXXX. In addition, I sent a required check of {$500.00} to them and would like to be reimbursed and they are not responding to emails or calls. There are XXXX instances where charges were added after the initial application and good faith XXXX of which was an appraisal and the subordination fee. Both were waived in the initial good faith but had to be argued to be removed. All of which I have in writing. The loan representative has been fired / removed so he is no longer available. The processor is no longer responding. The processors manager is not responding. I need some assistance recovering the {$500.00} and lodging a complaint.
Consumer complaint received 2016-10-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MN)

In XXXX my identity was stolen when my health insurance company was hacked. Somebody filed a phony tax return in my name. I got that cleaned up and thought everything was over. In XXXX XXXX the XXXX was breached and a person in OK XXXX had my mail forwarded to them illegally. There was enough evidence that a police report was filed. The following week I learned that XXXX credit accounts were opened in my name and cards were sent to OK XXXX ( someplace I have never been to and is XXXX hours away ) I was able to contact and correct the issue with XXXX out of XXXX banks/lenders. I first called XXXX on XXXX/XXXX/XXXX and was assured that the fraudulent report would be removed from my credit report. A few weeks later I received a letter dated XXXX/XXXX/XXXX stating that they were now refusing to remove it from the credit report stating that I has provided personal identification information and they were not at fault. I called them the same day XXXX resolve the issue. The person I spoke with for an hour was unable to reach their fraud department but agreed that this was wrong. They gave me a direct number to call the fraud department. I called again on XXXX/XXXX/XXXX and was placed on an automated system on hold for over 30 minutes without ever speaking to a person.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

On XXXX/XXXX/XXXX, I made a purchase totaling {$85.00} on my JC Penny Credit CardAlmost a year later, in XXXX of XXXX, I received a notice from XXXX XXXX XXXX for {$230.00}. Not knowing what it was for, I contacted them and upon my inquiry realized it was for the purchase of the {$85.00} made the year before plus all of the collection/late fees. We had moved and the billing address was not updated to reflect the new address which I accepted responsibility for. I immediately contacted JC Penny and they had record of return mail and accepted and filed a dispute on my behalf. For the time period of XXXX XXXX XXXX I never received any information about my dispute, and the collection calls kept coming. In XXXX of this year, to finalize this, we negotiated the {$230.00} balance and settled with XXXX for {$120.00} which was paid. Two weeks after settlement and almost 7 months after filing the dispute, I received notice from JC Penny they were finding in my favor for the dispute and that they placed my account back in good standing. I then received a statement from JC Penny for {$110.00}, which is basically the {$230.00} less the settled amount of XXXX that was paid. Essentially all of the late fees. I contacted them to advise the account was previously settled and as part of that settlement the acct should be zero, but I get nowhere. I have attempted to speak with agents and supervisors on a few occasions, ( XXXX XXXX and again XXXX XXXX ) but no one seems competent enough to assist with this so I am seeking help to resolve this once and for all. I am now getting {$25.00} late fees assessed on the {$110.00} balance when there should n't be a balance. 
Thank you for attention to this matter and am willing to cooperate to get this settled quickly.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (GA)

I notified barclays ( Re : Acct # XXXX ) that this account is the result of identity theft on my credit file and that I was not the person who applied for, or opened the account and that it must be removed. Not only did I not receive any response, but it is still on my credit file and they will not take it off. I did send them the affidavit as well as the police report along with my letter. I require further investigation into this account and I also requested a handwriting analysis as well as an affidavit from them swearing that i was the person who opened said account, which I did not. In addition to this, pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this account to report on my credit file, so either way, this needs to be removed immediately.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Perfection Collection (WA)

after receiving a voicemail from someone whom identified themselves only as " XXXX?, a carrier for the area '', implying she had legal paperwork to be issued to me the following day at my home and place of employment, requiring identification and a witness, i immediately called back and got to " XXXX ''. I denied owing any monies to them, their employer, or the original creditor and requested validation. This was immediately met with a defensive attitude, i gave them my address, where they sent their first piece of correspondence to me, this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless, i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I have make pay multiple payments during a month. Lowes is purposely post dating payments weeks at a time. The will post date any payment made after the initial bill is paid with their online payment center weeks at a time or even the next billing cycle without the knowledge of the customer. 

The customer may see payments being delayed weeks and even to the next billing cycle. 

A Lowe 's Customer service representative XXXX, XXXX at XXXX XXXX, states it is Lowe 's credit paying practice to post-date any subsequent payment made in a billing cycle to the next billing cycle automatically, and it is solely up to the customer to change the date to immediately. 

They believe it is " legal '' to purposely post-date a payment a customer makes to the next billing cycle, NOT defaulting to the current date. If a customer happens to miss that they post-dated the payment, they are unconcerned with the matter. 

This poses problems with customers seeing bills they have paid being delayed weeks even up to a month, without their knowledge. Which causes problems with customers tracking bill payments that have failed to post for up to a month. 

Lowe 's attitude towards this is, " tough luck '' we set up the post dating payment intentionally that way, and it is up to you to figure out that you have change the post dated payment to todays date. 

This only occurs with customer who make multiple payments within a billing cycle. 
This action deliberate on their part can cause late payment fees or insufficient funds fees being placed on a consumer because of their poor billing and payment options. 

Can you please address these poor practices with them and educate them on proper billing procedures that do not mislead consumers into post-dating payments unintentionally, as Lowe 's Credit will have you do.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (FL)

In XXXX 2009, my wife and I declared Chapter XXXX bankruptcy. To my recollection, we did not include the mortgage in our filing, as we wished to remain in the residence. Since the filing, we have made regular monthly payments on the mortgage account in a timely manner, as agreed, amounting to some {$37000.00} dollars. 

Recently, while checking my credit rating, I discovered that in XXXX of this year, it dropped by some XXXX points, caused by the bank holding our mortgage reporting that the account had been closed due to the bankruptcy and showed a XXXX balance. 

Subsequently, I learned that the bank had created a duplicate account and is treating the new account as though the bankruptcy had never occured, including sending me a recenty notice that an update was needed on the insurance coverage for the condo.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Lazega & Johanson LLC (GA)

The collection actions of Lazega and Johanson has caused my family mental and financial anguish. Back in 2014, they froze the bank account of my son XXXX XXXX, who was not listed as a debtor on the case in any regard. He was a XXXX student and the funds that they took were from Student Loans. This action alone merits that the firm be disbarred and license suspended from practicing law. The matter has not stopped there. After garnishing my spouses paycheck for a period of 6 months, they have not turned the fund collected over to the debtor to update the files ; I called to inquire about the balance and they could not provide me with accurate accounting details ; I am requesting that my files be updated with the XXXX XXXX and a detailed ledger be submitted to me to show all payments received. I am also seeking legal recourse against this company, because of the mental anguish my son experienced. He was not listed on the case and should have in any way been held liable for any thing. Their actions left him without money for food or gas while XXXX hours from home. Please assist me in resolving this matter.
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE COMPANY (IA)

I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/XXXX for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since XX/XX/XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX XXXX. The property has XXXX addresses listed in the United States Postal Services website. XXXX and XXXX XXXX XXXX XXXX IA XXXX. I 've included a picture showing the XXXX mailboxes. I 've also included the lease agreement from the tenant at XXXX XXXX XXXX, which is month to month starting XXXX XXXX and is good through XX/XX/XXXX. XXXX and XXXX have lived at XXXX XXXX XXXX for over 5 years and will remain there until their current lease has expired XX/XX/XXXX. Simply sending someone out to the property and asking who actually lives there would clear this matter up.
Consumer complaint received 2017-02-02
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC (VA)

The Mariner Finance agent called me, an existing customer, and offered an additional loan amount ( in addition to the approx. {$2700.00} I currently owe ). I do not feel that the agent properly disclosed all appropriate information related to : ( 1 ) the hard hit on my credit report, and ( 2 ) the very high interest rate on the loan.
Consumer complaint received 2015-09-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

My home was foreclosed on XX/XX/XXXX. It was sold via a short sale XX/XX/XXXX. Green TreeServicing LLC held a second mortgage on the house. This mortgage was not paidthrough the short sale. The are still reporting that I am not paying them monthly on aproperty that is no longer mine. It is negatively impacting my credit score. Rather than treating it as a foreclosure, they are treating it as if I still own the home and am not paying my second mortgage every month.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (NM)

I have a " Personal Installment Loan '' through Rise Credit. I was recently educated on the Military Lending Act through a local agency financial counselor. 

Rise Credit 's interest rate on my current loan is outrageously high. Does the Military Lending Act not apply to them? I brought this up to them and that lenders have until XX/XX/XXXX to comply by lowering the interest rate to 36 % or under, and they said that the rule does not apply to them.
Consumer complaint received 2015-07-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

Upon GE capital being switched to Synchrony Bank, I have had nothing but problems. I am a very patient person but since I got this loan I have dealt with absolutely terrible customer service, wrong information given to me consistently but several employees, and after about the XXXX phone call no one can transfer me to a manager. My loan has been paid off in full and the bank still owes me a refund check that I 've been waiting for, for over a month. They will not give me a date of when they can send it ( 7-10 ) business days, and when it does n't show up after that time frame they have to put a stop pay ( another 7-10 business days ) and then they can send out which could take another two weeks. I still have not received a call back as promised or anything regarding my refund check. I 've asked several people to speak to a manager but apparently there is only XXXX manager who takes calls and she is always busy and does not return phone calls. I honestly feel like they are not going to send my check back at all and I am not sure what do to anymore. I would have NEVER acquired a loan from them if I knew it was going to be anything like this. Do not do business with these people!
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (TX)

Chevron Gas Texaco continues to use deceptive practices by increasing the minimum payment even if you make a payment. They start with {$25.00} minimum and then continue to increase the minimum each month. Even if you make a payment, if it does n't meet there minimum amount, they will charge you a late fee of {$40.00} dollars and then they increase the minimum payment again until you are unable to make the minimum payment. Even if your account is closed. I now have a minimum payment of almost {$200.00} even though I have made a payment. The company issues the credit cards from Synchrony Bank and they are the ones who collects the payments. My account has been closed for about 6 months and they make it impossible to pay off the balance by continuing to charge outrageous charges, minimum payments and late fees. Last, they report you to the credit bureau, even if you make a payment. They state that if you do n't make the minimum payment, it 's considered you did n't make a payment at all.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (OK)

I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Conn's, Inc. (TX)

I went to Conn 's located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX to purchase a refrigerator with a credit application I applied for in XXXX. I told the sales associate XXXX I had a credit application that was approved with the ( {$9000.00} ). He said he would pull it up. He asked for my phone number and was able to pull up my address. He said he would need my driver license and asked for my SSN and how many kids I had. When I asked him why he was asking all these questions he said the computer was asking him to provide it. When he finished he told me I was approved for a store credit card for {$3000.00}. I told him I never gave him permission to apply for another card and he apologized. I left the store without purchasing anything due to the deceptive practice. I asked to speak to a manager later when I called and was told he was on vacation when I asked for the assistance manager he refused to give me his name and the store number. He told me to to call the corporate office. I took a picture of the guy who other employees told me was the assistance manager and he was covering his name on his shirt.
Consumer complaint received 2015-12-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (NY)

On XXXX I discovered an unknown CareCredit/GECRB account on my credit report. I asked my free union legal services attorney, XXXX XXXX XXXX to dispute the debt. The dispute letter was sent on that same day and on XXXX/XXXX/14, GE Capital Retail Bank responded. Then on XXXX/XXXX/14, XXXX XXXX, XXXX. called me and let me know that she spoke to " XXXX '' at GE collections department and informed her that the debt was a fraud and " XXXX '' promised to send a fraud affidavit. I have never received the fraud affidavit and not XXXX XXXX XXXX is reporting the debt on my credit report. I returned to my legal services office today and when we called GE Capital Retail Bank we were told that Synchrony Bank had sold this disputed account to XXXX XXXX XXXX and could not help me any longer. Now the account is being reported by both XXXX XXXX XXXX and Synchrony Bank and my dispute was ignored.
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I am XXXX years old. I went back to college about XXXX and, unfortunately, I selected a school called XXXX, later known as one of the " XXXX '' schools. I took out several student loans totalling about {$15000.00}. 
I have been unemployed since XX/XX/XXXX and have had my Navient account in forbearance. I just learned today that I am no longer eligible for forbearance or deferment, and my account will be going to collections. I filed Chapter XXXX bankruptcy in XX/XX/XXXX, but Navient claims they have no record of that bankruptcy. I am concerned that if this account is in collections when I turn XXXX and I apply for social security, that Navient will garnish my SSI. I have been awaiting a solution for students of the XXXX disaster, but nothing has appeared yet. 
How can I prevent my account from going into collections pending a sollution for students that were defrauded by XXXX?