davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
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: GREAT LAKES (FL)

XXXX XXXX XXXX XXXX XXXX/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-08-28
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: Nelnet, Inc. (FL)

1. XXXX/XXXX XXXX 2. XXXX XXXX XXXX / NELNET 3. XXXX/XXXX XXXX XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. 
Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. 
I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Burea
u Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On XXXX XXXX, XXXX, I submitted to OCWEN a Escrow Termination Request. After calling Customer Service @ Ocwen, I was advised to write and forward the request in writing. 

On XXXX XXXX, XXXX I received a denial letter from Ocwen ( attached ) stating due to " HAMP Guidelines '' my loan had to be escrowed for three years. 

On XXXX XXXX, XXXX, three years later, I submitted another Escrow Termination Request letter. Again, I was denied, stating due to " HAMP Guidelines '' my loan had to be escrowed for five years. 

After several calls, complaints to XXXX, Obudsmans office, I was finally told by the Obudsman office that it is not a HAMP guideline but an OCWEN guideline that they are enforcing. 

My concern is the fact that OCWEN continuously states it is a HAMP guideline when it is not! What OCWEN is claiming to be HAMPs guideline is : " The account must be escrowed as a requirement, and the escrow account may be waived at the servicer 's discretion. '' This is not stated in my terms and conditions as " guidelines '' to my loan. 
Being waived at the servicer 's discretion has no time frame on it ( 3 years or 5 years ). My concern is at the 5 year milestone, they could deny me again with another stipulation. I believe this is unlawful. 

I meet all of the qualifications of an Escrow Termination. 
1. The account must not be delinquent within the last 12 months. 
2. The current loan to Value ratio must be less than XXXX % 3. The escrow balance must not be negative 4. Taxes and Insurance must not be due with the next 45 days 5. The account must not have an active Lender Placed Insurance Policy 6. If waiving tax escrow, all tax lines must be waived, Similarly, if waiving hazard insurance escrow, all hazard lines must be waived 7. All waiver request mush be received in the form of a written request from the borrower. 
If you could PLEASE assist me in terminating this escrow account, it would be much appreciated. 

Regards,
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (IL)

During a mortgage re-fi, I was notified that there was two judgments against me that i did not know about, and was never notified of. " Asset Acceptance '' filed a judgment for {$8000.00} and then when I finally got a hold of the seventh person they sold the debt to, they said it 's really {$10000.00}
Consumer complaint received 2016-08-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

My name is XXXX XXXX on XXXX/XXXX/XXXX, I received a notice from my mortgage company Ocwen Loan Servicing , LLC denying my request for a loan modification. Non-Approval Reason was. 1. They states they were unable to offer a Home Affordable Modification because : My loan on the related property has received the maximum number of modification permitted under the Home Affordable Modification Program ( HAMP ). You are only allowed XXXX HAMP modification on " your '' PRIMARY RESIDENCE. Please note, not all eligibility factor is evaluated. 2. We are unable to offer you a Mod 24 modification because : We are unable to verify that you live in the property as your primary residence.Please note, not all eligibility factor is evaluated. 3. We are unable to offer you a XXXX Capitalization and Extension modification because : This program is only for temporary or resolved hardships but we have determined that your financial hardship is not temporary one or has not been resolved.Please note, not all eligibility factor is evaluated 4. We are unable to offer you a propriety modification because : Your mortgage loan is secured by a property that does not serve as your primary residence and is less than 60 days delinquent.Please note, not all eligibility factor is evaluated. 
On XXXX/XXXX/XXXX, I filed an Appeal For Denial of Loan. Informing OCWEN that I have not had a HAMP loan ( I started the process XX/XX/XXXX and was laid off XXXX/XXXX/XXXX ) which made me ineligible for the HAMP. I provided OCWEN with my drivers license, utility bill along with my property taxes to prove it was my primary ( only ) resident. I also made the aware that I was receiving assistance from the Florida Hardest Hit Program because of me being laid off. 
I had not heard from OCWEN by XXXX/XXXX/XXXX. I placed a call and was told to Appeal For Denial to the research department. On XXXX/XXXX/XXXX, I received the same letter stating that I had been denied ( note letter had the date of the first denial with the top page with XXXX/XXXX/XXXX on it ). 
I have been told that if my loan is a XXXX or XXXX XXXX, that the loan holder is to assist with helping the consumer retain their homes.
Consumer complaint received 2017-08-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been dealing with XXXX XXXX regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted XXXX XXXX and spoke with reps on more than XXXX occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.
Consumer complaint received 2017-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

So I have, in the past inquired with Navient about a late fee that is always listed on my monthly statement as due, and has been for many years. The problem is, when I asked, I was told that " there 's nothing we can do because that late fee was assessed before consolidation. '' The problem I see there is that Navient is attempting ( through creative accounting ) to collect a late fee they are not entitled to. When the loans were purchased and consolidated, all amounts should have been consolidated. If a late fee was assessed by the prior loan holder, then how is it possible to just carry over and put it on top. If there are detailed records available dating prior to the consolidation, they would clearly show this questionable accounting. The payment due ( which is entirely a late fee ) is {$580.00}. My loans are currently in IBR with a payment of zero, but this total is apparently always due. I beg to differ.
Consumer complaint received 2017-08-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have been dealing with Portfolio Recovery regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted Portfolio Recovery and spoke with reps on more than one occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

I have a second mortgage with Ocwen Loan Servicing. After an principle payment online in XXXX 2016. Ocwen has since then inaccurately given variations in principle balances and fees. Online and paper statements have been confusing. After waiting 3 weeks to speak with personal relationship manager, no adequate response and was given another appointment was given to have them research it. I have been current on my payments to Ocwen.
Consumer complaint received 2017-08-28
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: Capio Partners, LLC (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Capio Partners XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I have a $ XXXX/XXXX  and $ XXXX/Capio charge off. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

transunion began an investigation on XXXX bank XXXX on XXXX/XXXX/2016. 
BY FCRA REGULATION THE RESULTS OF THAT INVESTIGATION WAS TO BE COMPLETED BY XX/XX/XXXX2016.THE INVESTIGATION WAS COMPLETED ONE DAY LATER. 
TRANSUNION CAN NOT CHANGE THE LEGAL RESTRICTION OR PROTECTION AFFORDED ME BY FCRA.TRANSUNION HAS NO LEGAL CHOICE OTHER THAN TO IMMEDIATELY DELETE THIS ACCOUNT.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (NY)

To summarize : First Niagara raised my mortgage payment by almost 40 % due to an error in their automation.They may be able to give you more information on their process than I could but as I understand it, they analyze the next year 's taxes to figure out the escrow payment for the next year. 

In XXXX XXXX I received a letter from XXXX that said my payment would be going up to {$1000.00} from {$720.00}. Confused, I ended up reaching out to them for an explanation. I spoke to a very nice person who let me know that they have an automation that projects the next years taxes. The way this automation works is they take the amount of last years city 's taxes and base the payment off of that. The particular city I live in ( XXXX ) had a supplemental bill go out in XXXX. This bill was only {$130.00} ( the first bill was the normal tax bill ) so the analyzed escrow was based off of only {$130.00} when it should have been based off another amount. 

First Niagara claims I should have paid attention to my payment and that this was MY responsibility to catch and figure out. There is now a significant shortage with my escrow which caused my payment to go up. Until I called in, First Niagara offered no alternatives to alleviating the burden of this extra monthly cost. 

My wife and I have an escrow because of all the benefits it has for the consumer and servicer/lender. This was not our error. As of XXXX/XXXX/XXXX, I asked First Niagara for alternatives to my huge increase in payment. I have listed them below : 1. Reduce the shortage by paying a one time lump sum payment ( not odeal since we 're talking about {$2000.00} ) 2. Spread the shortage over a number of months ( 24-48 ) Can you please advise on this matter and let me know if there is any precedent for this? Again, XXXX 's automation caused this issue to happen and they never discovered the issue until I was short. Their response was to send a letter informing me my payment would increase over 30 %. 

Thank you for your time.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: PlusFour, Inc (CA)

I received a letter from PLUSFOUR, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, in reference to a medical bill that at the time my mother signed the documents as financial responsible since I was in high school and a minor. 

Once I received the letter I called PLUSFOUR and gave them verbal permission to speak to my mother in reference to this account. 

My mother call XXXX XXXX, Debt Collector XXXX ext XXXX and set up payment arrangements on the account. I had just entered my first year of college and was not working so she was going to make the payments. This call took place on XXXX XXXX, with payments to begin in XX/XX/XXXX, my mother continued to ask that as long as we have an arrangement that this would not be reported to the credit bureau and was told YES by XXXX XXXX. My mother made sure that she stayed in contact with them if the payment was going to be late. The arrangement was for {$25.00} a month. A Payment was made for XX/XX/XXXX and XX/XX/XXXX {$25.00} each month for a total of {$50.00}. My mother call in XX/XX/XXXX to make the XX/XX/XXXX payment on XXXX/XXXX/XXXX at XXXX pm and she was ready to make the XX/XX/XXXX payment she always verified that this is not effecting my credit. XXXX advised her that it was reported to the credit bureau on XXXX XXXX, XXXX. We questioned why this has happened when we had a verbal agreement to make monthly payments on the account in the amount of {$25.00}. At that time my mother asked to speak to a supervisor ( XXXX XXXX ) that stated there was nothing that they could do once the account was paid in full then they could revisit the fact that it was reported to the credit bureau. I stated to her that this was not the agreement that was made and that they have not held their end of the agreement. I asked to speak to the Manager/owner XXXX XXXX so that I could explain that the company has an agreement with my Mother and did not hold up their end of the agreement. I was told that he was not available. My mother stated that she would like for a manager to call her so that we could get his figured out and we would continue to make the agreed payments once a manager has called her. We filed a complaint with the XXXX and received a reply that they are not responding to our complaint. As of today XXXX/XXXX/XXXX, we have not received a call back from the company to resolve this and continue to pay. I am a college student and because they did not keep their end of the agreement up, this is reported on my credit report which is preventing me from getting a student loan to continue my education. This is very disturbing that collection companies can make arrangements with you and then go against their work and you had been paying them. It is unethical that they can affect your life and you have agreed to settle or clear the debt and the only answer that they have is pay the debt and then we can talk. 

I am an unemployed college student whose parents agreed to help and resolve this and the collections agency was unethical.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX will not fix the problem on my credit report. All credit agency XXXX XXXX and Experian and XXXX will not fix problem. 
This was never suppose to be on my credit and have never provided the signed contract for service which they are trying to collect on??????? 
Only XXXX credit collection company XXXX followed the rules that XXXX sold debt too.
Consumer complaint received 2016-08-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services (NV)

Received a call from Integrated Services at XXXX. I can not recall the mans name but, I was told I owe this debt for a payday loan back in 2014. I said okay, send me proof the debt is valid and I will work on paying it. he said why do I need paperwork? and proceeded to call me a XXXX and then hung up. I have also received calls from them at my work number as well. Please stop these scammers!
Consumer complaint received 2017-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I have an account with Coinbase.com where I have roughly {$50000.00} worth of cryptocurrency stored currently. I recently traveled to XXXX as a tourist and my account is locked as a result ( as of XX/XX/XXXX ). I can not get a response from Coinbase support to reactivate my account and restore access to my assets ; I have contacted the company approximately 15 times since my account was disabled, and provided all of the documentation they requested ( e.g., proof of residency in US, government ID, etc ). Coinbase has replied ( XX/XX/XXXX ) noting that they have escalated the issue, but I have heard nothing since, despite repeated follow-up attempts by me. I need reassurance that I will have access to my money restored immediately. Three weeks is an unacceptable amount of time to be waiting for a response on an issue that should straightforward to resolve. 

Case number : XXXX