davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Unbeknownst to me I found out that my home was in foreclosure, because I started receiving letters from local attorneys offering to help me with my foreclosure. I was completely blindsided. I contacted my bank and was told that I had missed making 8 payments, hence the foreclosure. I tracked all payments coming out of my checking account and brought that to the attention of the bank representative that I was talking to. She discovered that all of the last 8 payments had been applied to my escrow account. In fact the most recent payment was denied on XXXX XXXX and supposedly returned to my checking account on XXXX XXXX. I have not received the returned check. I have been a widow for a year and a half and due to the unexpected death I was left with XXXX vehicles to make payments on. I was just informed by my nephew who was borrowing one of the vehicles that it was repossessed from his home. Payments had also been made, some a little late. I want to keep the house, along with a loan modification, the payments applied correctly and my missing money returned.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

Payment was mailed on or around XXXX, check number XXXX in the amount of XXXX to BMW Financial Services. This is for XXXX XXXX loan account, now closed, vehicle totaled on XXXX XXXX XXXX. As of today, XXXX, check has not been cashed or returned back to me. Please note, XXXX is a settlement amount good until XXXX and if payment is missing I will need an extension to allow more time to make another payment. The check was sent to address provided to me by BMW Financial Services rep, do not have her name available to me. Due to a cease and desist on the account, reps are not able to confirm receipt of payment or discuss anything else on account. Please advise BMWF to check their records for payment, if received or not, return it if there is a problem. Also, I will need an extension to resend payment if deemed missing.
Consumer complaint received 2016-03-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IA)

I have been trying since XX/XX/XXXX to get this recitified [ Note : from XX/XX/XXXX-XX/XX/XXXX, i had several health issues that were present and known about by ex, courts, lawyers, XXXX etc. ] In divorce ( XX/XX/XXXX-XX/XX/XXXX ) I was given a home that never had been properly apprasied/or assessed in divorce and apparently years before-even though I tried to tell judge this in divorce, etc.As with many things in thsi divorce, much was not either not done properly ( i.e. actual and true docs/testimony of ex/his lawyer ) or not at all ( SS, bank, loan, statements submitted ). Anyway, when I learned that ex had refinanced ( found out after divorce when I contacted Ocwen ), and I was trying to get them to do so with me, ex was trying to not be found out and my lawyer failed to help me when I was having problems with them ( though she knew I was had health issues, etc. ) and basically I had been lweft with a huge mess as it turned out. I contacted right away XXXX ( Iowa XXXX ) in XXXX XXXX and in XX/XX/XXXX I got contacted that they had contqacted Ocwen, but I was n't on the paperwork=to amke this short from XX/XX/XXXX-XX/XX/XXXX i had o lawyer ( legal aid on several attempts as well as XXXX ) failed to help me or anything-it went to forecloseure, even though I showed Judge XXXX XXXX ( who had been judge on settlemt conferecnes in divorce anddivorce, etc. ) that the lawyers helping Ocwen ( XXXX XXXX ) had siad they knew Ocwen did n't want to acknowledge me since i was n't on paperwork ( they wanted to go around court-i was suspious and concerned since I did n't have legal counsel, so I hoped soemthing would get resolved ith XXXX, etc. ) I still live in home, partly cause things were n't done right, home was under what they were told by ex it was worth ( {$83000.00} and when i had help getting county assesssor to look at home XX/XX/XXXX, she said home not worth even XXXX {$2000.00}. ex had a {$50000.00} or more laon on it ) I almost died as well, when furnace was leaking CO2 and almost exploded XX/XX/XXXX-as stated before, judge knew there were issues with home durng divorce. I contacted Iowa Attorney 's Office as well in XX/XX/XXXX, and subsequent years=i have been trying to get people IAoffice and other sto help me get part of settements that have been happening last sevral years with no avail When I recently conatcted Ia.Attoney 's office in XX/XX/XXXX and XX/XX/XXXX i was told newer settlements have been happening and fraud concerning people having to get high insurance on homes that was either unresonable or not relevent. I believe I qualify on all these issues. I am on XXXX and my home is not greaty livable=I need someone to really help me, because others have failed to do so.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Experian sent me a reply saying that XXXX may not be able to contact me to discuss the matter, Contact the creditor directly. Firstly I have already contated XXXX twice ( hve the certified receipts to prove so but there was no response from them. Secondly according the the FCRA if a Credit bureau is requesting validation from an Original creditor all documentation from the ID theft victim ( ID Theft Report Drivers Lisc. PHONE # etc. ) must be sent to the original creditor so they may complete a fair and exact investigation XXXX would therefore have plenty of information to contact me. Also according to the FCRA if I request Experian 's investigation process they must do within 15 days of my request I did so and I have the Certified letter receipt letter to prove it. The Account in question is XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX
Consumer complaint received 2016-03-10
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America improperly calculated my income and expenses. Bank of America is making it nearly impossible to be available. Many calls end up in the wrong departments. Bank of America based a modification disqualification on to much income to debt, however did not take into consideration the the new payment. Bank of America stated I did not qualify for a regular refinance because I did not make enough income. Bank of America will not asssign someone specific to handle my situation. Bank of America took over one year to make a decision on a loan modification.
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (ID)

FedLoan lost the paperwork that I sent in for deferment since I 'm still in college. I contacted them by email and told them that I 'd already sent in the paperwork. They sent me a canned response telling me that I could get a deferment in several ways, including educational deferment. I responded that I was in college in and had sent in the paperwork and they sent the same canned response. So I responded and said that I would mail in the paperwork with signature required so I would have proof that they received it and they responded with the same canned response. I emailed that they should get with a manager to work out how to properly deal with consumers and received the same canned response. In an attempt to get a human response, I emailed that a response that repeated what had been said before would grant me permission to post all communications on the Internet and to release all communications to demonstrate FedLoan 's competence. I received another canned response, so will use all the of the emails as I see fit. I responded, stating very specifically that this had stopped being about the deferment the minute I said that I would mail the paperwork with signature required and that my concern was now with how trustworthy the organization is. It 's clear that this company knows that they can get away with treating loan holders horribly. They do n't have to care about reading emails. They do n't have to do anything but copy and paste, because they do n't have to worry about losing what gets them paid. They 're horrible people and if they were trustworthy, they could have responded directly and made it clear that they cared about my wavering ability to believe that could properly handle my account.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

We have an Adjustable Rate Mortgage that is being serviced by Ocwen Loan Servicing LLC . XXXX 2015 was a scheduled Change Date for our loan interest rate. It was also the first month when we have started repaying our Principal amount. The original principal payout schedule was included as a part of our signed Mortgage agreement and detailed in the attached Amortization Schedule. The Principal payout was supposed to start from {$1000.00} and gradually increase every month thereafter. However, the statement that we have received from Ocwen requested different monthly Principal payments starting {$1500.00}, about {$500.00} more compare to what was originally signed. Since XX/XX/XXXX any attempts to resolve this issue with Ocwen were unsuccessful, despite escalating it to account supervisors and management team. All request to correct Principal payout schedule resulted in Ocwen responding with an explanation of how Interest is being calculated on ARM mortgage. As a part of Adjustable Rate Mortgage, we have accepted the risk that monthly interest rate may change, but we have never agreed that principal payout amounts can be changed arbitrarily. To avoid any late fees or credit report issues we have paid amounts requested by Ocwen and stayed current with our loan, however we have not budgeted for such significant Principal increase in monthly payments, and asking for your help to resolve this issue and return to Principal payout schedule included in originally signed Mortgage agreement. We appreciate your help in this matter. 
Thank you!
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

Navient Refuses to lower my rates. XXXX XXXX had no problem with lowering my monthly payments. Its gone from being XXXX dollars every paycheck to XXXX a month. I 've go XXXX XXXX kids to take care of and this " resolution '' to them is not what it is. Navient will only lower my payment if I create a modify my loan to a direct loan with them. This sounds very illegal and I have no idea on how to request a different company take over my loan. I would like help in finding out if I can transfer my loan to a more reputable company or get some kind of lower rate on a payment plan.
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

Re : XXXX XXXX, XXXX Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted XXXX XXXX, XXXX ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that XXXX XXXX XXXX would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to XXXX XXXX in XX/XX/XXXX, over the phone. 
XXXX XXXX XXXX stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.
Consumer complaint received 2016-03-10
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (NY)

Compass Bank, the option to fund the account with a ACH transfer did not function, I called them and was transferred several times until I gave up. 
within a day or two I tried to do it again and I still could not complete the ACH transfer called them again and could not get anywhere, on XX/XX/XXXX I tried the third time and changed the application to fund the CD with a check, and mailed out a check for {$200000.00} clearly marking the purpose of the money and the account number that I was given, five days after mailing the check I saw that it was not cashed yet I called the bank again they told me that the check did not arrive yet and I should call in 5 days. 
I called them on XX/XX/XXXX and I was told that the account was closed because it was not funded and my check is being returned, I was surprised to see that the check was cashed I called them on XX/XX/XXXX, and was shuffled from person to person without any results. The last person I spoke to was a guy by the name of XXXX that later said his name is XXXX with the promise that check is being issued and sent out to me immediately. 
I called the FDIC to complain about this episode, they said I have to complain with ; Federal Reserve Consumer Help I called them and they said to lodge a complaint in writing which I did. 
Today XXXX XXXX, 2016 I get an answer that I have to make a complain with Consumer Financial Protection Bureau, and I am doing it right here and now. 

MEANWHILE IT IS 10 DAYS PAST THAT bbva copass bank IS HOLDING MY {$200000.00}. AND LAUGHING ALL THE WAY TO THE BANK
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc. (NY)

My family had experienced a hardship. My fiance became XXXX and shortly after I had lost my job. I proactively reached out to the bank because just in case I ran into any trouble paying my loan. The bank was XXXX. XXXX placed me on a forbearance plan. I did not know that this would impact my credit. They asked me to complete paperwork for a loan modification -but before it was finalized sold my loan to XXXX XXXX . XXXX had modified my loan but sold it to XXXX XXXX. XXXX XXXX would not honor the modification and told me it was done wrong. XXXX XXXX changed the modification and increased it by an additional {$500.00} and sold my loan to FCI Lenders, LLC -/XXXX . They sent me a letter informing me that I was late on my payments. I was never late on my modifications ever and decided to discontinue my escrow account asking me to pay the principle only for XX/XX/2016 and XX/XX/2016 - the representatives name was XXXX XXXX ( XXXX ) XXXX. I explained to XXXX that my loan should be in good standing and that they can not change the terms of my loan. I also provided him with a tax bill - Anthonly informed me that FCI Lenders was sitting or holding over {$8000.00} in an account when they discontinue my escrow. I forwarded the tax bill and they have not paid it yet. I was then transfered to XXXX XXXX ( XXXX ) XXXX, I asked them to honor my loan modification and XXXX is telling me that my house is upside down and I should find another lender to give me a loan. XXXX informed me that they will take {$230000.00} for my loan. I forwarded all the bank statements showing them I have not defaulted on any payments. They will not continue my escrow and do not honor my loan modification. Why are we asked to complete all these forms and the government has a program and the banks sell your loan and then put the responsibility to show payment on the borrower and want to remodify my loan or get a new loan. Help me please - I can be reached at XXXX my name is XXXX XXXX.
Consumer complaint received 2016-03-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The loan payments have not been correctly and accurately reported to the credit bureaus. on XXXX the payments from XXXX XXXX to XXXX XXXX are missing. 
XXXX the payments from XX/XX/XXXX to XX/XX/XXXX are missing XXXX payments from XX/XX/XXXX to XX/XX/XXXX are missing.also the loan was paid off XX/XX/XXXX.on my credit report it is showing a payment made XXXX.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (MN)

This is the second month I 've called WF to discontinue a monthly email for their new Go Far rewards program. There is no option to unsubscribe on the email, I then called the customer service number provided on the email, that customer service could not help me opt out so I was then transferred to Premier help line, they could n't help me then I sent to online banking help line, they could not help me so then they sent me to credit card customer service and then the line disconnected, I then call the credit card customer service directly and had to wait 9 minutes to talk to someone. I finally reached a credit card representative, they too could not help me, I was then transferred to the rewards customer service line. They too could not help me, I was told I could n't opt out receiving this news letter only, my only option is to discontinue receiving all email communications from the bank which is ridiculous because I hold my checking, savings, mortgage, HELOC, XXXX account too. Finally, I was required to re-authenticate every time I was transferred so I had to authenticate myself a total of five times. I thought by law that the email has to provide a way to unsubscribe from communications I do n't want to receive. I went through this exact horrible experience last month, I called on XXXX XXXX and was promised from the last person I spoke to that I would be opted-out.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Exeter Finance, LLC. (MD)

I reported with XXXX that someone used my social and name to try to get a loan in my name. They would n't help me. They said since the loan was not approved that I should n't worry. My credit score is low to begin with and now it dropped even lower. This company is based in XXXX and I live in XXXX. I have never even traveled to XXXX. They only took my name down, did n't take my phone number, or my social. I want to know who is out there using my social and my name. They could do a lot with that information and I 'm very worried due to the fact that I 'm trying to build my credit to get mortgage a house soon. Thank you for your time.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (DC)

I had a secured credit card with Navy Federal Credit Union ( NFCU ). I asked to close the account and use my security deposit to pay the account. NFCU did not use my security deposit to pay off the account. The account became delinquent without my knowledge. When I found out about this NFCU made me pay more money and did not remove the delinquent account from my credit file as they promised to do prior to me paying them.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notfications
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (VA)

I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, Chase XXXX XXXX XXXX, to mediate the dispute. After contacting both sides, Chase issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the Chase XXXX decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after Chase XXXX resolved the mediation in my favor. XXXX referred this debt to a collection agency, Chase Receivables. Chase Receivables continues to come after me for this debt, despite the fact that I have explained in writing why this debt is invalid. Furthermore, this alleged debt continues to be a black mark on my otherwise good credit report. 

I have contacted the XXXX Reporting Agency, XXXX, but they refused to remove the offending item from my credit report without offering any explanation. 

I am contacting the CFPB for their assistance in mediating this issue with Chase Receivables and to help remove this black mark from my credit report.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NY)

My American express serve card was stolen from my home, the card was then used to withdraw the entire balance of my account from {$420.00} down to {$0.00} with in hours. I contacted American express to dispute these transactions, as I ( the card holder ) did not preform or authorize these transactions. American express declined the dispute for these transactions, claiming the transactions were valid.