davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

FORECLOSURE SCAM In XX/XX/XXXX, Ocwen Loan Servicing LLC transferred and sold my loan without reporting the entity they sold to. XX/XX/XXXX, my house was sold on the courts doorstep here in XXXX, Georgia without my knowledge. I did not know the property had even been foreclosed on until late XX/XX/XXXX after consulting a federal agency in reference to Ocwen Loan Servicing LLC trying to add their information to my homeowner 's insurance. Did n't know they had sought after my insurance company until one of my insurance company representatives contacted me via phone to inform me. After seeking out information about why they would call my insurance company, I came upon documents filed and advertised at the XXXX County Superior Court in XX/XX/XXXX,  shortly after learning about the insurance issue with Ocwen.
Immediately afterwards, I tried to retain counsel in my area to no avail. I could not get any help in any form in this state. Contacted an attorney in the XXXX area, who wanted to file a civil suit against Ocwen but declined to proceed and also stated that I would lose if I tried. So, I immediately seeked out the bank that supposedly holds interest in my home to find out that they do not own my home and is not coming against me in any court proceedings based on the bank representatives who are listed in the letter which is attached to this complaint. Afterwhich, today, I contact the attorney, XXXX XXXX, with XXXX XXXX XXXX XXXX who filed proceedings against me for XXXX XXXX XXXX XXXX and asked that he cease and desist because their defendants addresses, phone numbers were bogus and he was in violation of my rights as a consumer. A cease & desist letter will be mailed certified to him and his firm today.
The banks information listed on the court proceedings do not exist and the XXXX XXXX XXXX XXXX representatives listed in my cease and desist letter agreed with me on filing this claim. They can be reached at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX. Please see misleading XXXX XXXX ownership information on the tax document and court proceeding documents attached.
I would like the FTC to conduct an investigation and any other entities you find legally obligated to enforce any laws regarding my situation.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ME)

In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, and XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, and XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Submitted to Kohls Department store a request to remove XX/XX/XXXX and XX/XX/2014 30-day notices on all three credit reports as they were placed in error. I did a follow up call and spoke to a XXXX-Supervisor who agreed that I Kohls received three payments from me in the same month and probably did not apply them correctly ( one for XX/XX/XXXX, another for XX/XX/XXXX and a third for XX/XX/XXXX ). I believe this was human error as I made the payments for each month. Additionally, I am requesting a credit on my account for two late payments as they were made and payments were inappropriately applied.
Consumer complaint received 2015-08-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (LA)

Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.
Consumer complaint received 2015-08-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

My husband purchased a home in XXXX. Here the story his orginal loan was with Homecomings Bank his account was always never had one problem with this lender. Orginal loan was for {$15000.00} on a tiny house XXXX a month this included the insurance as well as taxes.The taxes on this house are only XXXX a year it the location its in. So to pay off early he was making and always has made payments of XXXX or more a month.XX/XX/XXXX it was brought to his attention when he received his monthly statement that it had changed to Gmac Bank. from the get go we would have to call in constantly because payments where being applied wrongly etc ... Then in XX/XX/XXXX a new company OCWEN takes over and it has been a nightmare ever since thats he has contacted you. They told him he had a ballon loan he did not and even so if he did the fricking house would be paid off there no way the most he could maybe owe would be XXXX if even that. When he contacted you they sent out papers but the papers they sent where there break down from XX/XX/XXXX and how they would apply it. It 's not the documents from Homecomings its just insane how much money we have paid on this place and they say basically he still owes {$12000.00} and that they are now going to foreclose. thats ruffly {$3100.00} and XXXX going to taxes then insurance for a house {$360.00}. This house is in the hills its XXXX bedroom very small and then off course you have interest which they send us every year a report and its XXXX. So taxes, insurance and interest {$1300.00}. XXXX - XXXX = {$1700.00} a year should go towards loan give or take and in 15 years that {$26000.00}. And this house he still owes {$12000.00} are they nuts he has had same bank account from XX/XX/XXXX they have every single check they ever paid them from day one and to round it comes too {$45000.00}. There no communicating with these people its they are write and no one else .... I have read numerous sitituation on line and spoke to other people invovled with this company. This is insane completely insane .... How getting away with this XX/XX/XXXX ... Someone has to do something ....
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Late fee — 
Company: U.S. BANCORP (WA)

I often check my account online to make sure payments are made and everything looks good. Little did I know that I was being charged a late fee every month, for the last 8 months and now my credit has been very negatively effected. US bank failed to show accurate information on the website such as fees on their posted transactions section. I only found out when I checked my credit report.
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NC)

I have a Private loan serviced by AES. The lender is XXXX. I attended the University XXXX XXXX in NC and received a XXXX. I could n't obtain employment so I went back to school and attended XXXX XXXX XXXX College and obtained an XXXX. During my time in school I obtained several government student loans and I honestly do not remember obtaining a private student loan at all. I have asked for a copy of my application to confirm whether this is my loan and AES has refused. I decided I would go ahead and pay the loan to protect my credit. I have been paying on this loan and have never been late but the balance keeps increasing. AES has been applying all of my money to interest & not principal. The alleged original loan amount was XXXX and now they have me owing over XXXX. Over the years they have changed the interest rate & payment amount several times without notifying me. Just recently that interest has gone up again, therefore my payment has also gone up. I really value my credit rating that is why I continue to pay on this loan, but I really need someone to help me with getting confirmation from AES and XXXX to confirm that I actually signed for this loan and to review my loan documents to ensure that the terms of the loan are legal. I am pleading for the government to do a thorough investigation of AES and XXXX in reference to their loan practices. I feel they are taking advantage of honest hard working students seeking to advance their education in order to make a better life for themselves. It is very shameful and disgusting how AES & other lenders are allowed to commit these atrocities at the expense of students & their families. Thank you for allowing me to voice my concerns regarding this important issue. Predatory student loan lenders are proving to be very detrimental to a promising future. I hope that I and many other struggling borrowers can find relief. Thank you.
Consumer complaint received 2015-08-12
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX. I am a XXXX year old widow and surviving spouse of XXXX XXXX. 

We had a Reverse Mortgage but I was not on the deed, yet this was my homestead for over 35 years. 

I was forced into bankruptcy and finally given time by the courts to take my homestead through bankruptcy. 




My husband passed XX/XX/XXXX. It took Financial Freedom until this year to realizethat I was the surviving spouse although it was listed on the death certificate the entire time as I had mentioned. 




My home was flooded and bathroom damaged. I do not have a fully functioning bathroom. 

Mold is growing in my home because of this, The XXXX/Financial Freedom received theinsurance check in XX/XX/XXXX. I was told that I had to go through probate first. 

I wrapped that up in XXXX. I was told that the XXXX check was mailed out on XXXX XXXX via regular mail. 

As of XXXX XXXX, I have not received the {$2000.00} installment of {$6000.00}. I owe contractors because the job is more than the {$6000.00}, but I have started making payments on the difference. 




My home is making me sick and this matter has stressed me out beyond measure. 

I can not have my home refinanced without the bathroom completed. I have been trying to resolve this matter. 




I have spoken to numerous individuals in the point of contact department. 

I have spoken with XXXX XXXX of the XXXX have emailed his manager, XXXX appears as if I am intentionally being dragged out to wear me down towards the XXXX XXXX sale date. I do n't want to re-file bankruptcyI am contacting the OCC, AARP, The Florida Financial Office of Regulation for Insurance and anyone else who can help me. 




I am desperate. I live off of fixed income, my husband 's social security and I work to make ends meet. I am XXXX years of age and I need help. This is not fair to me. 




Sincerely, XXXX XXXX
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My mortgage loan is currently serviced by Bank of America. I have applied for a HAMP loan modification on numerous occasions. Recently they issued a denial citing negative Net Present Value XXXX NPV XXXX as the reason - see attached. The principal component of the NPV denial is not described, leaving invalidity to their claim. I have asked them to clarify their reason for NPV and they have failed to respond. I also filed an appeal on this matter ~ see attached. Per my conversation with XXXX in the appeals department ( ID # XXXX ), B of A is refusing to acknowledge the appeal and address it. Bank of America is in violation of the National Mortgage Settlement due to the lack of transparency during the HAMP underwriting process. It is clear that they are motivated to foreclose due to the $ XXXX equity in my property. Per HAMP guidelines, I should definitely qualify under HAMP Tier 2. I do not want to lose my home and I am seeking your assistance on this matter.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX XXXX to learn how you can request your free XXXX credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with XXXX who said the site should allow me access to obtain my free credit report. I live in XXXX, am a XXXX citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no XXXX mail service in XXXX. We are moving back to XXXX in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (FL)

This current account has been reported 45 times with different collection companies all of them have failed to validate the account in this company it 's written starting the account one more time and if it legal under the Federal Credit Reporting act.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX XXXX XXXX XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (MS)

I was a Discover holder from XX/XX/XXXX to XX/XX/XXXX. For those XXXX years, I was never delinquent with or missed a payment. Today, XX/XX/XXXX, I am trying to increase my credit score, so I 'm investigating my credit with the XXXX major credit companies, XXXX, XXXX, and XXXX. On all XXXX of my credit reports, Discover is still reported as open, which means my line of credit is larger than what it is and that line of credit has been dormant for over three years. Based on the recommendation of the credit bureau, I called Discover to either reissue a card or report the account as closed. Using my social security number, they can not pull up any information on me. They claim that they retain users history for seven years, but can not do anything to help because there is no account information related to my social security number. Not only will they refuse to report that there is no account information associated with me to the credit bureau, but they were extremely rude and disrespectful on the phone.
Consumer complaint received 2015-08-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SUNTRUST BANKS, INC. (MD)

I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work. 
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan. 
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty. 
Then I find out Suntrust went into my account and set up autopay. 
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain.
Consumer complaint received 2017-07-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

I went to XXXX XXXX in search of a car lease within a week of my bests friend going to the same company and getting a lease. We had similar credit and a similar situation when we applied for our loans. We both had co signers. Our credit was actually better than there 's. We walked away with a XXXX XXXX XXXX with a {$290.00} payment for 36 months with a XXXX mileage cap. My cousin walked away in a XXXX XXXX XXXX XXXX with a {$270.00} payment for 36 months with a XXXX  mileage cap. I have asked the company how it is that we both were there within a week and managed to have such a difference in our mileage caps. No explanation. In my opinion this is unfair and unjust. They should be required to offer the same lease terms to borrowers in similar situations.
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

When I moved from a house to an apartment, I overlooked a bill from the house, and XXXX called me. I moved into my apartment in XXXX, yet paid the bill in XXXX of 2013, in two payments of {$180.00} to XXXX. All of a sudden, within the last year, I am getting hit on my credit for whatever this {$320.00} amount is from Enhanced Recovery XXXX, who say they are collecting from XXXX. I am still with XXXX, and have been for over 15 years. I have called XXXX and they said I do n't what this debt is from ERC, and told me I do n't owe them anything, nor have they reported anything to ERC. So, someone sold Enhanced Recovery XXXX a lie, or they are bogously reporting this to get $ $ $ from me. I have told them over and over through many, letters that I DO NOT OWE THIS AMOUNT!!! They have NOT provided the proper information proving that I owe this debt, because I guess they do n't think the rules apply to them, but they keep sending me canned letters, and have once again, brought my credit score down again, reporting it as a new debt. I would pay it, if I owed it, but I do not. Seriously rediculous and frustrating, and these people are crooked.
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have a private student loan serviced through Navient, originally with XXXX XXXX. I have been making regular payments and have sent the company instructions on at least 2 occasions ( XXXX and XXXX of 2017 ) detailing how I want overpayments dealt with : specifically that they should be used to pay down principal. Each time receive a response telling me something slightly different on how to get my instructions applied. First I was told, in XXXX to sign up for auto payment ( which I could not do on the website ) or to submit monthly payments by check with instructions each time I make an over payment.
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In XXXX there was no mention of the auto payment option and I was again told to send payments by check with instructions every time I make an over payment.
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I have provided a clear instruction to them about what they should do with all overpayments and they refuse to honor that instruction unless I submit it by mail every single month. That is absurd.
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Navient is systematically obstructing efforts to pay down the loan even slightly ahead of schedule while I am trying to do just that by overpaying by a few dollars a month