davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. The plan was always to improve the subject property and I was specifically told by my lender XXXX XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than 2 years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original XXXX XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note, this is a resubmission of a complaint that was previously submitted ( ID XXXX ). In response to that complaint Chase insisted that I still need to maintain a 70 % LTV in order to remove the PMI because they insist this property is a " Family Investment Property. '' That is not the case. This loan was set up a " Second Home '' loan which is why I was ale to only put 15 % down for the loan. As such, this would mean I should only need an 80 % LTV to remove the PMI as I have been stating from the beginning.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

I am contacting your agency to ask for your assistance to get a debt collection to remove damaging never account from my XXXX credit report. I have contacted XXXX several times requesting they contact this debt collector to validate this debt i supposely owe. After several attempts to get this situation resolved i decided to reach out to Consumer Financial Protection Bureau. XXXX and/ or refuse to provide any evidence that this debt belong to me such as signed service contract, copy of driver license or etc to validate this debt i supposely owe. I am demanding AFNI removed this debt from my XXXX Credit Report immediately
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (MN)

I sent North Shore Agency a letter from my bank, XXXX XXXX XXXX for proof of payment for the debt of {$270.00} owed to XXXX XXXX. North Shore Agency has not reported the information to XXXX XXXX, so XXXX XXXX can credit my account as paid.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: GOLDMAN SACHS BANK USA (IL)

XXXX XXXX - XXXX - XXXX - Goldman Sachs My original loan ( re-fi ) was processed by a lender that had no license, in a bar with no notary present. The Mortgage Broker had no license - his Broker lied and said he did the loan - I never met the man. The Illinois XXXX XXXX of Banks and Real Estate said the Managing Broker of this Company will never have another license in Illinois without answering to this complaint. He is now doing reverse mortgage in Florida last time I checked. The person who did my loan has a cease and desist order against him in Illinois for other financial deals. 
My loan had a pre-payment penalty addendum - I asked the Lender over and over - no pre-payment penalty correct? Yes, he answered over and over - HE FORGED MY NAME. - The very Document they are sueing me with is a forgery. 
My lender told me my taxes and insurance were included with my payments - I circled the language during my signing of the papers - TAXES AND INSURANCE WERE NOT included in my payment of {$1200.00} per month. I paid more than {$26000.00} to get, my mortgage out of foreclosure. I was told by the Attorney representing the Mortgage Company it would be illegal to take my check if it was not every penny I owed to get my mortgage up to date and out of foreclosure. They took my check - the Judge dismissed my suit. 
One month later the Mortgage company sent me a notice that my account was still in arrears more than {$8000.00} - surely there must be a mistake as this is illegal, right? 
My mortgage increased from {$1200.00} per month to more than {$2600.00} per month. I paid the mortgage as long as I could hoping to get this straightened out. 
In 2010 I received a trial modification - 3 months which I paid successfully - and was denied a permanent modification - as the " INVESTOR '' did not approve. 

I NEED a permanent modification to save my home! I was told today by XXXX 's Representative I {$50000.00} payment would need to be made to obtain a modification. I see that XXXX is not on the list of HAMP/HARP Servicers - but the Owner is Goldman Sachs as I understand it as it has been for quite some time. Transferred to another servicer owned by Goldman Sachs. 
I am on my XXXX Attorney to fight this loan - and each time the Attorneys say I have a case. XXXX Mortgage is getting very close to getting a judgement against me as my Attorney is XXXX and seems to have given up. I need help getting a loan modification and help with this situation.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Mortgage paid expense hazard insurance policy increase Of {$5000.00} to XXXX XXXX three months before insurance policy was due, without our consent or permission.That expense increase put a financial hardship on my husband and I.We can not afford to pay {$2200.00} month payment XX/XX/XXXX.Paid {$1400.00} in XX/XX/XXXX.Region Mortgage is cause us losing our home of 24 years.Region customer 14 years.We want Region Mortgage to cancel expense XXXX XXXX refund funds to escrow account and pay for reasonable insurance.Thank you I appreciate your attention and time to this important matter.
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: PCR Group (FL)

XXXX/XXXX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Adjustment Bur XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Letter Please be advised this is my third written request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued will full and negligent noncompliance. 

Despite two written request, the unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
Account Adjustment BUR # XXXX {$2800.00} Case number : XXXX Thank You XXXX
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

In 2010 I applied for the XXXX XXXX XXXX XXXX XXXX. I received a letter for approval indicating that all loans eligible for the program would be transferred to FedLoan Servicing and the others went to XXXX XXXX. I paid on these loans for 5 years only to be told last year that only XXXX of my loans ( out of XXXX ) with Fed Loan Servicing qualifies for the program. This is in direct contradiction of the initial approval letter. I do n't have XXXX special loan, all my loans fall into XXXX of XXXX categories so this makes no sense to me. Of course it is the smallest loan that only qualifies. Up until this point all loans where on the same repayment schedule/had the same due date. Now this loan has been separated out and has a different due date. I was told I can consolidate the loans, double my interest rate and then all loans would qualify for the program. I do n't understand why this just came up last year, why the loans where transferred to them if they do n't qualify and now 5 years of payments mean nothing. I would have to pay on the loans for a total of 15 years as opposed to 10 years thus never obtaining the benefit of the program. Why did they ever end up with my loans if they did n't qualify? I smell a rat and I do n't like it
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

Loan # XXXX LoanDepot issued an Escrow Surplus refund check in the amount of {$6700.00} on XXXX XXXX 2015. To this date i have not received the check. 
I have emailed, and called customer service several times to get another check sent out ( with a tracking number )
Consumer complaint received 2016-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (ME)

I receive XXXX billing statements for the same billing cycle instead of a single statement. It is not until the first XXXX is paid that I get a notice for a second amount that is due at the exact same time. I 've spoke with customer service twice regarding this and the first time they said all I had due was the amount due XX/XX/2017 and the next due should be XX/XX/2017, I paid it and now another amount is due for XX/XX/2017 which is contrary to what the customer representative said. My fear is that if I make the entire month payment for the first and lesser of the amount then the rest of the balance will go to principal and the next statement will show the larger of the balance due on the same date. This method would cause me to overpay or to not have enough to make a second payment in a billing cycle causing late fees.
Consumer complaint received 2016-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX, XXXX SunTrust XXXX branch rep XXXX XXXX opened a personal acct for me, I clearly told her to put promotional code on the new account with {$200.00} bonus. I also asked her to print out promotional offer for me. I have email confirmation showing the account was enrolled in promotion on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I had more than {$2000.00} direct deposit came into my account which qualified the promotional offer requirement. This Rep told me it takes about XXXX weeks to get promotional bonus. Now it 's been 5th week after the account met all promotional requirement. However when I contacted the customer service, I was told emailed that no promotional code listed on my account. Also when I checked the promotional status of enrollment, it shows not qualified. 
Same as my business account. On XXXX XXXX, XXXX XXXX XXXX opened my business account and handed me promotional offer. I have email showing business acct was enrolled in promotional offer on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I enrolled in XXXX XXXX which qualify the promotional offer. However she blocked my enrollment for 20 days until XXXX XXXX, XXXX in order not to pay {$400.00} promotional bonus. On XXXX XXXX, XXXX she told me it takes 4-6 weeks to receive {$400.00} promotional bonus. Now 5 weeks passed since acct met promotional requirement. But enrollment shows not qualified. 
At this branch, I experienced terrible services and harassment. Such as missing deposit on XXXX XXXX, XXXX ; Cancel account on XXXX XXXX, XXXX ; Blocking online banking on XXXX XXXX, XXXX ; Blocking other features on XXXX XXXX, XXXX ; Blocking enrollment of Online Cash Manager for 20 days ; Violation of customer privacy to copy Deed and Settlement sheet to obtain physical address which against my will on XXXX XXXX, XXXX ; Repeatedly let customer sign same document 6 times ; Extremely bad attitude and harassment at branch on XXXX XXXX, XXXX and other occasions ; etc. I have filed 3 complaints just within 10 days of account opening with this bank regarding all these listed issues. 
I am asking {$600.00} promotional bonus to be received immediately since all requirement were met. I also ask this bank to delete all my personal information to close the accounts AFTER I RECEIVE MY DEPOSIT AND THE PROMOTIONAL BONUS.
Consumer complaint received 2017-02-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Poser Investments, Inc. (CA)

Poser Investments filed Notice of Default WITHOUT notifying us & forcing to Foreclose on our only & primary home. Poser violates our homeowner rights by harassing us with mails from vendors of Foreclosure Threats. Poser is scheduled to Foreclose on our home on XXXX XXXX, XXXX. Our family is a one paycheck household and XXXX family members are XXXX. We have XXXX school age children and our family is suffering from severe financial hardship. Our home loan was modified in XXXX and we have no knowledge of this outstanding loan from Poser
Consumer complaint received 2016-09-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: STERLING JEWELERS, INC. (TN)

I have a collection on my report for a company I do not recognize and on the comment section said purchased by another lender without the name of the previous lender. I received collection calls for a company I do not know. On XXXX the balance for this company is {$1500.00} and on XXXX {$540.00} not even the same amount on XXXX different credit Agency.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (TX)

CCI - Contract Callers Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ( XXXX ) XXXX XXXX : XXXX XXXX me a collection letter on a debt that does n't exist. I phoned the original account holder XXXX XXXX and verified there was no debt. The account was clear with all on time payments. CCI is trying to collect money fraudulently by obtaining account numbers and posing as if there is an active debt. Once I contacted CCI they must " check the validity of the debt '' and will not send any correspondence regarding their invalid fraudulent claim/debt on the account. This business practice is unethical and needs to be addressed and investigated by the governing bureau.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC. (VA)

i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says " OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: AFNI INC. (OH)

I had XXXX account with XXXX and it was closed and paid for. Then another account came out the blue for {$420.00} saying it is mind with a number i have never had. I have spoke with many managers, resolution specialist, supervisor, executives back in XXXX to get this resolved and after three months they 've agreed to remove this from my account. Well now this year of XXXX i still see this account in collections in my name. And they have no information to back this up that it was suppose to be removed back in XXXX. They have updating this information on my credit report which is illegal to do. I have been talk to rudely threaten and harassed about a bogus amount that is not owed.
Consumer complaint received 2015-11-25
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CommonBond, Inc. (MN)

I applied for a student loan consolidation product from Common Bond. I have excellent credit and always pay my current bills on time with no trouble. I 'd like to take advantage of lower rates in the current marketplace. Common Bond 's marketing products suggested that a cosigner would help me get a " better '' rate. Common Bond 's advertising materials made me feel as if I would be eligible for a good rate based on my excellent credit, good income, and good payment history. Additionally, my husband would have been happy to cosign. 

When I finished the application, I was told that I need a cosigner with an annual income of {$80000.00} to qualify for any loan. This requirement came AFTER Common Bond pulled my credit report, and Common Bond made no previous mention of requiring a cosigner with such a high income. 

I feel that this is a deceptive marketing practice and it unfairly limits my access to credit. Common Bond has wasted my time and potentially damaged my credit report. I have made payments on my current student loans for three years with no problems, and feel that I should qualify, especially because student loans with lower interest will be even easier to pay.
Consumer complaint received 2016-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (SC)

Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MO)

I have had multiple occasions where Sallie Mae has rejected my automatic bank account payments ( which I signed onto solely so I could reduce my rising interest rates ), which then resulted in a $ XXXX/month late fee, a ding on my credit score, and less opportunities to reduce my interest rates. I am currently in a standstill where I have my LOWEST interest rate at just under 8 %, and my highest at 10.25 %. Despite making over $ XXXX a year out of school, I am struggling to pay my ~ $ XXXX/month payment to Sallie Mae, and upon my times of calling have not been offered any solutions to reduce my rates aside from forbearance, which would result in a vast increase in interest buildup and a fee to even begin the forbearance. Sallie Mae has not been able to offer my any repayment options and basically has said that I need to seek outside options to refinance, however I do not have a co-signer figure to do so, and am rejected by said organizations despite on-time payments and my income.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom this  may  concern, I write this complaint to seek clarification regarding information reported to my Equifax credit report. Quite illogically, my Equifax credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report.     Specifically, as can be seen in the attached document, accounts with the   XXXX   XXXX   XXXX  / XXXX  and   XXXX   XXXX   XXXX   XXXX   are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.