davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (WA)

I had gotten a loan in XXXX, pd mort. Then our Mort. went up so deleted pmnt of {$400.00} to {$410.00}. They did n't send out XXXX pmnts XXXX or XXXX. In XXXX, they took both the {$400.00} and the {$410.00}! My bank manager helped me delete the XXXX. pmnt until Chase put $ $ back in acct. I did n't know I had to restart pmnts and no pmnt went out for XXXX. Now I am behind on Mort by 1 month and they r threatening us with foreclosure when we already have sent the pmnt agreed upon which was {$50.00} extra/mo. We sent {$460.00} in XXXX and XXXX. We r working to get this taken care of. We r not in good health as it is and this is causing more health probs from stress. I was getting calls from XXXX to XXXX at night, XXXX times a day. I think that is stopping but now sending pre-forclosure papers. This is utterly ridiculous!
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

Loan # XXXXIn reference to the above account and my refinancing under HARP. I started this process in XXXX 2015 by going to my local branch and calling and speaking to Chase agents on telephone..where I was ultimately told at all times that it was not possible to refinance my 30 year loan to a 15 year under HARP. I had to write a letter of complaint, before Chase would respond to my request. Their response was to send me several letters stating that they were " researching the issue '' .. ( I attached XXXX of those letters to this complaint ). It took Chase over 4 months to process my request for a refinancing and in the interim, interest rates rose substantially. As a result on the delay on the part of Chase, I am requesting that Chase offer me a lower " discounted '' interest rate than the 4 % rate currently allocated to my loan.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NM)

MACYS/DSNB is reaging their account on my credit report by reporting 52 charge offs, the most recent as on XX/XX/2020 this is a violation of the FCRA and very damaging to my credit worthiness.
Consumer complaint received 2016-10-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

PMI should automatically cancel when loan is under XXXX % loan to value. According to the original value and Ditech 's own calculations ( see attached ) my PMI should have terminated already. When you add the {$5000.00} HAMP incentive they are a year overdue in crediting I should be reimbursed for almost a years worth of PMI since I would have hit the XXXX % mark 12 months ago. I have another CFPB complaint in regarding the failure to credit my HAMP. In addition the company never responded to CFPB complaint XXXX in any meaningful way. On XXXX XXXX 2016 they closed it saying they would resolve it in 60 to 90 days which never happened. In addition, they negatively reported me to the credit bureaus in XXXX which is also a violation of Dodd Frank since they have an unanswered RESPA inquiry they have failed to address for over a year. How can you be late when the balance and payment information they send to you is incorrect? There are countless violations of Dodd Frank. I am tired of waiting for a reasonable response. My next step is consumer attorney. I have not even gotten into the illegal application of fees they transferred from XXXX.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NV)

JPMCB-CARD SERVICE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$720.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2016-03-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.
Consumer complaint received 2016-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (FL)

I attended XXXX University XXXX through XXXX XXXX in XXXX XXXX Ca in XX/XX/XXXX-XX/XX/XXXX. I started out going for my XXXX degree and was told that I would be able to do that with no problems. I asked many questions during my interview just to find out that I was lied too throughout the whole conversation. First off I was told that If I did not take the stipend check then the money would be returned and I would not have to pay it back, Wrong. I have to still pay it back. I was told that after I graduated I would receive assistance in finding a job, wrong. In XXXX XXXX my son was hit by a truck, he spent 3 1/2 weeks in XXXX, 6 weeks in XXXX and another 6 months in a XXXX, I was there every minute with him but I STILL DID MY WORK. I never left my classes or anything, but the school said that I dropped out for that semester and charged me over & XXXX that I had to repay. I never dropped out I still did my work and everything. I feel that they took advantage of me. I did let them know what was going on in my life at that time, so if I missed any class then they would know why. After 2 years of schooling I get a phone call that tells me, " You do not have enough points to continue with a XXXX degree, I guess you get XXXX % and I am at XXXX % so I would have to start paying everything out of pocket. '' Well I am a single mom of XXXX so there was no way I could do that. I asked if I could drop it down to an XXXX Degree and finish, they said yes. So I finished that semester and graduated in XXXX XXXX. I had my heart set on a XXXX degree not an XXXX. The big kicker is they did n't change the payment. I am repaying on a XXXX degree loan and only received an XXXX. Now where is that right? I feel that they misled me and took advantage of my situation. Even after I graduated they did n't help me find a job or anything. My question is, WHY? 
Can I get any help with this?
Consumer complaint received 2016-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (OK)

Hello my name is XXXX XXXX. I attended XXXX from XXXX to XXXX to gain a degree in XXXX. I was honestly ignorant of how much it was going to cost me per month once I graduated. It was over XXXX $ a month and with the job I had I could not keep up. I was able to get it reduced to a pay as you earn bracket but would have still been stuck paying a considerable amount back. I was able to talk to a relative and have them pay the entire {$40000.00} off and am now repaying them back. My question is if students are now getting their Student Loans Forgiven then should n't I be eligible for Disgorgement? I would greatly appreciate any information and assistance with this. I have a child on the way and would love to have this freed up off our backs. Please feel free to call me a XXXX or email me at XXXX. Thank You!
Consumer complaint received 2015-04-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending (MI)

I went to XXXX XXXX XXXX MI and was told I would have a loan thru Genesis Lending which I learned was been since investigated. I have had issues with the Instiutute itself and can not rid myself on the ongoing debt and no way to fix the issue. I am in debt {$16000.00} for a XXXX XXXX certificate in which I never got due to issues with promises of an externship. Once externship started I was told I didnt do well enough or only given limited access to the job I was to learn. The Genesis Loan I have tried to resolve but I get phone calls and letters weekly. I can not pay back any money if I am unemployed. I have discussed with them several times and I get the same answer. Its unclear to me also how I am responsible for paying back loans on a college that the government had to shuit down due to the dishonest nature and students left in unreasonable debt.
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (CA)

The loan company that I consolidated my federal loans with refuses to lower my interest rate by 2 % as was agreed upon despite years worth of on time payments. I consolidated my loans in XXXX. Under the agreement, I was to receive a 2 % drop in interest rate once I paid XXXX payments on time. I called them when it was time for the interest rate to drop and they stated XXXX payment was late. A mistake had occurred because of a federal holiday falling on the day that the payment should have gone through from my bank automatically. They cleared it up with the bank and stated they now counted the payment as on time. In order to further avoid this mistake, I backed up the payment date so that I paid early every month. They now state that because my payments came too early, they were not " on time '' and refuse to lower the interest rate. Then my employer paid lump sums and they sent me something saying I could count that as years worth of payments and was paid ahead, but again, because I did n't make XXXX payments within the time period, they state they do not have to lower the interest rate. Overall, the interest rate should have been lowered 2 % in XXXX and I should receive credit for the difference of interest I have paid since then. Please help!!!
Consumer complaint received 2017-02-09
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (FL)

I made an international wire with my bank Suntrust to a beneficiary with a bank call XXXX and the funds have not arrived. The wire was sent on XX/XX/XXXX and as of XX/XX/XXXX the funds have not been credited. I have done various TRACES through the banking system but as of yet nothing has happened.
Consumer complaint received 2016-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

While serving XXXX XXXX from XXXX to XXXX before I was XXXX. I was dealing with XXXX XXXX XXXX whom unbeknown to me they were putting me on forbearances. Which know that FedLoan Servicing has taken over my account XX/XX/XXXX I have discovered via my Public LOan Forgiviness that only 48 months have been applied. I am missing roughly XXXX months of payments applied. They have not really done anything to correct this issue. As of roughly XXXX XXXX this loan should be written off underneath that program. It needs to be readjusted accordingly to show I have made 101 payments out of my required 120.
Consumer complaint received 2015-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

XX/XX/2014 I had advised these XXXX companies National Collegiate Trust and American education Services who administer the loan for National that this account was an Identity Theft. I have sent them numerous packet of affadavits and police reports regarding the theft and their own paperwork that shows that my signature was forged. I have sent numerous letters to the Vp of Loan Operations I have even put complaints in on this site and they still have not responded nor have they taken the information of my credit report. What they have done is send the account to XXXX different collection agencies that harrass me about this account until I send them the identity theft paperwork. I have also filed complaints with the board of ed and federal trade commission. But to no avail. I feel these companies are just scam companies and should be put out of business!!!!!!!!!!!
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Credit Karma (OH)

there is a problum to the point i cant even get my information I think someone stole my credit information do to i live with a friend. We rent the house monthly pay utility 's, and I do not own a home, do not have any bank accounts, I have know credit cards with any stores or any credit card except a single debit card I get threw social security XXXX.
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OH)

I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making payments and let my account fall behind they can then work with me until then I am on my own. I have a XXXX credit score and do not think that I should have to ruin my credit to get assistance in trying to pay my debt down. When I asked would it help if I made more of a payment would the balance come down, I was told that not matter what I send it will come off the interest and not the balance until all the interest is paid back. I find it very hard that in 8 years nothing has come off my principle. I feel that no matter what I do AES will not let this loan be paid off. I feel as if I am drowning in this debt and cant tread water for very much longer with out giving up.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

My student loans are in the income based repayment status with {$0.00} due each month. The loans were dispersed XXXX months apart from another while still in school. Somehow my student loans are reported to the XXXX credit reporting agencies as being delinquent back in the beginning of repayment when I was covered by a forbearance waiting for approval of my income based repayment plan application. After disputing this for XXXX years, I finally was awarded a dispute victory for XXXX of my student loans but the other loan is claimed to be reported as accurate. My reasons for dispute have not changed in the past five years yet all of a sudden the results changed. The largest that I carry is my student loans. I am unable to get financing for my XXXX that I started just over XXXX years ago due to the only loan that I carry being an adverse status which is incorrectly reported but claimed to be correct. Not sure how this is especially when it 's a federal government student loan so the federal government is the one reporting the information is accurate when it 's inaccurate and preventing me from accessing Capital to grow my XXXX.
Consumer complaint received 2015-12-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (AL)

I had been accepted into XXXX XXXX University in XXXX XXXX, XXXX. I was an out-of-state student who lived in a small town in XXXX. I was informed I would get a {$5000.00} a semester scholarship XX/XX/XXXX and about {$1000.00} in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ XXXX per semester and even $ XXXX- {$40000.00} for a couple of semesters with a co-signer. It started with XXXX XXXX then it went to XXXX XXXX, XXXX and I ca n't even remember the other. Now, I 've gone through a " plan '' that was supposed to be 10 consecutive, on-time payments and have given them hundreds of dollars through which this " plan '' was purchased by XXXX. I 've been getting harassed by American Education Services since XX/XX/XXXX along with my mom and dad and even an aunt, my sister, and my best friend. That has continued to include National Collegiate Trust. Both of my parents have filed and won bankruptcy, separately, and while we know federal loans ( though we 've paid tens of thousands in the past 7 years ) are n't included in bankruptcy, the point is that we are all under a hardship. I called AES, today, to see what was going on and I was told that they could n't accept any type of payment other than over the phone and it had to be by checking or savings account, only, and credit cards and prepaid cards would not be accepted. My loan amount has n't budged although I filled out paperwork packets after paperwork packets leaving us all on edge and heavily confused with what to do or which way is correct. I have statements, emails, notes, and letters that I can provide but will need to have some time to gather ones from my parents. My husband and I are expecting our XXXX baby in just a few short months. I 'll be out on maternity leave and will not be paid for the leave.
Consumer complaint received 2019-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (TX)

I opened a new checking account on BBT bank website as advertised in XX/XX/2019. I met all requirements on the offer at the time when I opened the new checking account but have not received the bonus offer as advertised to date. I called on XX/XX/2019 and customer service told me there was no promotion code on my new checking account, which was not in the offer when I opened the account. So I can not receive the bonus offer.
Consumer complaint received 2016-10-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (FL)

I was recently a victim of an identity theft. My bank account associated with direct debit for my student loan ( AES ) was emptied out and it had to be on a freeze. While my account was on hold, direct debit was rejected and I was hit with a late fee. I contacted AES to explain my situation and to have them reverse this fee but, they refused. I was never late once for over 10 years and I could not believe they would not waive a small penalty due for my uncontrollable circumstances.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (DC)

SunTrust Mortgage changed the technology on their e-Pay system around XX/XX/2016. Since that time my mortgage loan account has improperly not shown my current payment due on e-Pay on the first of the month. Every month now XXXX shows my XXXX of month payment due AFTER I have paid it! I have spent numerous wasted hours on the phone with loan servicing staff who are unable to fix the problem and who are unwilling to own the problem. And around mid-month each month I am improperly billed for TWO payments - the current month AND the next month 's payment..
Consumer complaint received 2015-09-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STERLING JEWELERS, INC. (TN)

For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people. 

I 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home.
Consumer complaint received 2015-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stellar Recovery, Inc. (OR)

This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (CA)

In reference to Case No.XXXX wherein SoFi Lending Corp. ( " SoFi '' ) provided an incoherent and patently false response to the initial complaint submitted on XXXX XXXX, 2016 by XXXX XXXX ( " Claimant '' ), SoFi has filed to provide a second response to Claimant 's dispute of SoFi 's initial response. Principally, SoFi clearly refers to a " XXXX XXXX '' as the " personal loan pre-applicant '' throughout SoFi 's response which clearly shows SoFi 's failure to respond to Claimant XXXX XXXX XXXX complaint and SoFi 's egregious failure to comply with fair business practices by providing honest, clear, and ethical business services to consumers. By referring to a " XXXX XXXX '' throughout SoFi 's response SoFi is conceivably reviewing some other " pre-applicant 's '' information and thus SoFI 's entire reponse is based on information not related to Claimant XXXX. Moreover, the electronic process by which Claimant submitted his information to SoFI for a loan review clearly stated that no hard credit inquiry would be pulled and the facts show otherwise with a hard inquiry made by SoFi against Claimant 's XXXX credit report on XXXX XXXX, 2016.