davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

On XXXX/XXXX/2015, I received a letter stating that Ocwen has not received my payment for XXXX/XXXX/2015. Please find attached an email from Ocwen ( under document proof payments ) stating that they have received such payment on XXXX/XXXX/2015 ( before XXXX when late payment fees can be assessed ). Additionally, it said on the notice that a late charge has been assessed but in the itemization of current amount due, it stated that there were no current late charges and the balance due was {$1400.00} and {$87.00} for the negative escrow balance for forced placed insurance which was under review at that time. 
On Friday XXXX XXXX, 2015, I received a letter dated XXXX XXXX, 2015 stating that I have {$3300.00} of past due payments. Please see attached proof of payments for {$1400.00} made for XXXX XXXX, 2015 through XXXX XXXX, 2015 which does not explain the past due amount stated on the letter. 
Additionally, I sent a check in the amount {$1000.00} to their office on XXXX XXXX, 2015 to pay off the negative escrow account for the force placed insurance from XXXX while I am trying to go back to the insurance companies to research the information. I should not have any past due amounts for the mortgage payments or late fees as I have been paying it monthly before the XXXX of each month. As of XXXX XXXX, 2015, I should not have any negative escrow account as I sent a check to cover the entire balance. 
Consequently, I am asking Ocwen to please address the discrepancies on their statements so that they can reflect the right amount of the mortgage payments XXXX principal and interest ) in the amount of {$1400.00} moving forward.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

My mortgage is owned by XXXX and serviced by PNC Mortgage. My Loan # XXXX. I have been working with PNC for XXXX years now to get a Making home affordable loan modification to save my home from forclosure with no success. I have reviewed all the information and based on guidelines should qualify. PNC has been giving me the run around. I have given them all needed documents and they close my file and make me start over. They keep blaming it on the investor guidelines buy wont allow me to speak with anyone from XXXX. I am never given clear denial reasons. Please help me save my home from forclosure. I am stressing out over this long process that leads no where. I have once again submitted another making home affordable application on XXXX/XXXX/15.
Consumer complaint received 2016-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I make all of my payments on time and even sometimes make some extra payments on my student loans. However, Navient makes repeated errors in crediting my payments and the only way for me to get them resolved is I have to call and spend 20-30 minutes on the phone whilst they correct the mistake. The errors are always by their representatives, often just typing wrong numbers in but the company does nothing to correct them unless I call to complain ( and wait on the phone ). Last year, they made so many mistakes I demanded compensation and after first telling me that the Dept. of the Education does not allow it, I forced them to escalate until they determined that they were allowed to credit me with {$25.00} but even that they struggled to do correctly. If this sounds generous please realize that I spent about XXXX hrs on the phone to get to the point of getting compensation but I was determined to try and get some level of accountability out of the company. All was fine for a few months but now they have just taken a payment, failed to credit it to my loans and I have spent 30 minutes on the phone whilst they correct it. I had even received a confirmation email of the payment but the employee had apparently left one number off the record and so the money was put in some Navient holding account which they do not look at unless a customer calls up to complain. Eventually I was told they would have reversed the payment but meanwhile they would be making interest on the funds. I see no reason why they would not automatically look at funds entering the account and see what the problem is. My case would have been simple to solve without even contacting me and this is what any reputable company would do. Additionally, any ethical company would compensate customers when a company representative makes errors which cause the customer to have to waste time on the phone whilst they correct them. Perhaps a 12 month rolling schedule where first mistake is {$25.00}, next one {$50.00} and so on because I really do not get the impression that Navient is interested in being accurate so financial penalties might get their attention and would at least compensate customers for the inconvenience. 
Lastly, why will Navient not accept a credit card payment online for the regular monthly amount but will over the phone? Makes no sense and if they did it would help reduce their error rate. They also do not accept extra payments online even if you use a bank account ( seems like they do not want to encourage people to pay off loans early ) and so force you to call them to do so. 
This company has not changed any of his practices in the last 2 years and the problems and wait times are only getting worse. Please hold them accountable and make them address these problems.
Consumer complaint received 2015-12-09
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Citi Management Group, LLC (WA)

I keep receiving a call from XXXX, A company called City Management. This guy says his name is XXXX. He claims he has a complaint against me from XXXX from some payday loan place. I asked him to send me the paper work, he is refusing. I told him to send me the paperwork or stop calling me. I hung up the phone. He called right back, and in the message he left, he was reading me my rights.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (MI)

Noticed a negative item on our credit report from Money Recovery Nationwide. Sent a dispute letter on XX/XX/2015 and did not hear back from them until XX/XX/2015 regarding the alleged debt, with their own statement and none of the required pertinent information I requested. Spoke to them stating that this debt is not ours and asked them to remove it from our credit report and they unprofessionally declined. I begged and pleaded with them and got nowhere. I asked to get transferred to a supervisor who could assist me and was disconnected. 

We have never received services from the creditor that Money Recovery Nationwide is alleging we received. The small amount of the alleged debt itself is evident enough that this is not our debt. Had this alleged debt been validated, has requested, we would have had no problem paying this diminutive amount. The fact that Money Recovery Nationwide reported negative information to the credit reporting agencies, without XXXX confirming, verifying & making absolute certain the alleged debt indeed belongs to the parties listed, is a violation of the fair credit reporting act. 

We just want this inaccurate information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
Consumer complaint received 2015-11-20
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LendKey Technologies, Inc. (OH)

In attempting to refinance my student loans into a variable rate I was preliminarily approved at Lendkey. In order to proceed I had to acknowledge that I may be required to open an account and that my credit ( soft hit ) would be pulled to conditionally approve me and send to a lender that fit my criteria which I was fine with. Once my preliminary credit ( soft hit ) was run they sent me to the XXXX Credit Bureau out of XXXX XXXX. The XXXX XXXX XXXX ran my credit ( hard hit ), approved me and then sent me a link to open the account that was necessary. When clicking on the link it required that I either be a 1. employee, retiree, or family member of an XXXX XXXX XXXX XXXX, 2. Live, work, or go to school within Washington XXXX, or 3. Pay a membership fee to XXXX of the XXXX organizations that they support. When I called XXXX they stated that a person should not be really referred to them unless I met criteria XXXX or XXXX. While I was willing to open an account and keep a minimum balance or otherwise I was not willing to pay a membership fee to join the credit union to have an account when the purpose of the loan was to save money each month not to turn around and pay it back out to an organization. When I contacted Lendkey back they stated that they do not in any way monitor the requirements to open an account for the credit unions they work with and could not send me to another lender since I wanted a variable rate XXXX was the only one that qualified. If I did n't qualify for an account at the places I was eligible ( AgFed the only XXXX in this case ) and if additional fees to get an account would be required then this should have been disclosed upfront since I would n't have agreed to it early on and would have withdrawn my application on my own prior to my credit bureau ( hard hit ) being pulled. Since my credit had been pulled my score has thus dropped because of the inquiry. Therefore Lendkey misled me as a consumer and had no other options when the only credit union they could send me to was going to cost additional fees. They said if I was n't willing to proceed they would withdraw my application which of course they did after I said I was n't willing to pay fees to an organization I was n't interested in.
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Re : Illegal credit card interest billing practices at Bank of America , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. 
Bank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. 
I am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (IL)

On XXXX XXXX, 2015, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Franklin Collections Services that totally alarmed me. I was never notified that is account when it was added to my credit report in XXXX 2015. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. Secondly, I have not had services with XXXX XXXX XXXX, I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. Franklin Collection Services derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does not belong me.
Consumer complaint received 2016-02-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/XXXX, I attempted to deposit a check for {$380.00} into a Chase Bank atm located at XXXX XXXX XXXX XXXX, XXXX, IL. The atm took my check and spit out a receipt saying the atm has experienced a technical problem and I need to call Chase to file a claim, which I did. In the meantime, Chase deposited temporary funds into my account. Nearly 2 months later, I learn that Chase is removing the temporary funds because the check has indeed been cashed -- BY ANOTHER CHASE CUSTOMER -- and deposited into THEIR account, not mine. The agent I spoke with on the phone suspected the atm spit my check out at some point and somebody else cashed it! Chase is taking zero responsibility for this and has completely put the burden on me, saying that I need to contact the issuer of the check ( XXXX XXXX XXXX XXXX of IL ) and ask that they contact their bank and submit a fraud claim. Meanwhile, they are removing the funds from my account and I 'm left to deal with this situation completely on my own. 

I ca n't get any status updates from XXXX and Chase says they ca n't do anything either. I feel like I am never going to get my money and my only wrongdoing was attempting to cash my check. Chase 's atm malfunctioned, Chase allowed another customer to deposit a check that clearly belonged to someone else, and this other user is a Chase customer, yet Chase refuses to take the money out of their account and put it into mine. It 's been almost 3 months and I feel like I 've hit a total brick wall and am no longer making progress in resolving this issue. They have been incredibly unhelpful and have put the burden completely on me and the issuer of the check, which, unfortunately is a huge insurance corporation that probably does n't have the time or interest in helping me. I hope you can help me. I do n't understand why they wo n't just assume responsibility for their malfunctioning atm and for the fact that they allowed a stranger to deposit my check. I just want my money. I have given over 15 hours of my life to resolving this -- between being on the phone with Chase and XXXX XXXX XXXX XXXX and speaking with a banker at the branch. I 'm tired. I want it to be over.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

This is a follow up to Complaint against Wells Fargo number XXXX for purposely harassing me, lying, and ignoring foreclosure proceedings in order to secure as much money out of my pocket as they can.w-up to case. XXXX/XXXX/XXXX. Finally ending around XXXX/XXXX/XXXX. Thanks to you Wells Fargo agreed to take the 3 month sale option under Wisconsin Statute 846.16 ( 2 ) instead of having to wait 1 year to sell my property.I have copies of all mentioned below from Wells Fargo lawyer XXXX, XXXX XXXX XXXX XXXX, XXXX Wisconsin. They filed for foreclosure XXXX XXXX, XXXX. The home at XXXX XXXX XXXX XXXX was sold XXXX XXXX, XXXX to XXXX XXXX for {$37000.00} ( 44 % of assessed value {$86000.00}. Plaintiff will not apply for personal judgement against Mortgagor. It states approximately five times plaintiff not seeking deficiency judgement. All of a sudden in XXXX XXXX i received a subs XXXX XXXX Aquisition or Abandonment of Secured property form from Wells Fargo stating that this form was sent to the IRS. When my tax people looked at it they refused to do my taxes. It states that they were told of the abandoment home on XXXX/XXXX/XXXX in truth I called them in XXXX XXXX and was given verbal permission to leave my home by Wells Fargo. They later denied knowing anything about this. It says I owe {$100000.00} and the assessed value of the home is {$140000.00}. In truth it was assessed at {$86000.00}. The box is checked that I am personally responsible for this entire debt. I called them a week ago. After 2 hours I finally got someone to fax THEIR attorney letter to and I have heard nothing. Is there anyway you can help me. This is totally fraudulent form. I can not get a hold of anyone at the IRS. Thank you so very much. XXXX XXXX. ( Wells Fargo account # XXXX )
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

I have deal with Chase for some time, trying to work out a modification agreement. The have been very difficult to deal with and they seem not to want to actually deal with the customers. I always get a new person assigned to my file, and now I have a sale action date of XXXX XXXX 2015. I still want to keep my home. Their executive office is difficult to deal with as well, even though they own the loan and there is no third party investor. 
I contend that Chase offered me a modification agreement last summer that I accepted with their on line portal, however they sent in writing a modification offer that was $ XXXX/mth higher than what I accepted on line. I asked for an explanation and inquired to Chase what happened to the first offer, but they took the stance that they would only acknowledge the second offer they sent. I still made all the trial payments, in the good faith that they would see the error and honor the first set of modification terms. By XXXX they still did not acknowledge the first offer, even though it was still showing online ( of which I have screen prints to show ) and would no longer accept payments from me after I made all of the trial payments. 
I have been trying since XXXX to have asstiance with someone in helping with Chase as they seem to hold all the cards. Chase owns the loan there 's is no 3rd party investor, so they can do whatever they want, which is to foreclose. It is clear this is the way they do business as evident with the numerous settlements for XXXX of dollars including the XXXX XXXX dollar Mortgage Foreclosure Settlement. They have gotten me to accept one offer they switched it with another more expensive offer, it has been a classic bait and switch situation. It seems this happened all too often in communities like ours, right now there are XXXX empty foreclosed homes on my block ... I do n't want to be the XXXX XXXX. I must speak out and fight on with this because I know I am not the only one who has been victimized by Chase Bank like they, and they need to be called out on it. I simply want to keep my home of XXXX years and for them to honor the terms of the first modification agreement they offered. I am asking for any assistance that you can give in this matter, please feel free to contact me so I can send you any documentation that you may need. Your help is appreciated, Thank you
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-07-26
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (CA)

I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, Citibank. I spoke to a Citibank representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to XXXX and XXXX, XXXX. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.