davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I went through a divorce in XX/XX/XXXX. The house was underwater so I had to walk away from it. The note was for $ XXXX. The missed payments were reflected on my credit back in XX/XX/XXXX. About nine months ago I received a letter from Ditech XXXX ( formerly GreenTree Servicing, they changed their name in XX/XX/XXXX because of a class action lawsuit ) that I owed them $ XXXX. Now it 's showing up on my credit that I 'm 90 days late on a mortgage payment. I think this is fraud. I do n't owe that amount and this should have been foreclosed on years ago. What recourse do I have?
Consumer complaint received 2016-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

The Pentagon Federal Credit Union has deliberately " re-aged '' XXXX of my old credit accounts and illegally changed the Date of First Delinquency to a later date causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
I submitted a dispute to the Credit Union where I provided undeniable evidence that the Delinquency was more than XXXX years old and should have therefore been deleted from my credit file, according to the Fair Credit Reporting Act ( FCRA ). The evidence particularly included Credit Union 's own prior letters in which they clearly indicated that the Delinquency occurred more than 7 years ago. 
Nevertheless, the Pentagon Federal Credit Union completely ignored such evidence and maintained that their records and information they report to credit agencies are correct. The Credit Union has also refused to change the information on my credit report. 
The continuous reporting of the incorrect information unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I called navient to set up a payment arrangement even tho I had put my loan in deferment, I wanted to still make some type of payement. I asked can I be set up on auto pay for XXXX dollars bi-weekly, which would have covered the interest I would accumulate. The representative told me, they do n't accept transactions under XXXX dollars per transaction.I received this loan while attending XXXX College which at the the was handled under XXXX XXXX and transferred over to Navient.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XXXX, without notice, XXXX XXXX XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my TransUnion report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my Transunion report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through Transunion to find the collection agency and pay off the balance there. I called Transunion to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. Transunion claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX mess. This should be XXXX responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In XXXX XXXX, I was notified by Capital One that there was fraudulent activity on my account. Since that time ( now XXXX XXXX ), I have called twice a week, every week, to inquire to the status of my account. No one seems to be able to assist me and instructs me to inquire at a later time, by file is being handled by a " fraud specialist '', whom is never available and has n't returned a SINGLE phone call since XX/XX/XXXX. On XXXX XXXX, I was notified by a credit report monitoring service that a late payment has been posted ( 60 days late ). Not a single person at Capital One would accept a payment from me while the case was being investigated but meanwhile the interest and payments were accruing. Since XX/XX/XXXX, I 've had to deal with the most inept, incompetent individuals and they have cost me a great credit score, all the while, now telling me that the situation was rectified in XX/XX/XXXX ( however, I just called and was told that was one still being investigated ). They accepted one payment from me on XXXX account, but not another. I want the late payment removed from my account immediately!
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Home Loans Division in XXXX XXXX, Texas along with their underwriting department in XXXX Texas, declined my mortgage loan application, one day prior to a scheduled closing for our new home at XXXX XXXX, XXXX XXXX, Texas XXXX. I have significant evidence that the denial, which the bank claimed was due to not meeting the required Debt-to-Income ratio, was based on false grounds due to a gross error made by BOA 's lead underwriter in interpreting my 2016 year-to-date self-employment/company Profit and Loss statement. The application review also contained numerous other unwarranted delays as well as sloppy clerical practices and bank errors and omissions that were unprofessionally handled. Ultimately, the rejection of the loan application may have potentially may have violated the bank 's own lending policies and I am seeking Federal assistance to look into this matter in detail. I am also seeking a financial settlement for economic damages related to having to renegotiate a new loan application which delayed my move in date for four weeks.
Consumer complaint received 2016-06-24
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (MN)

Sometime in XXXX 2016 my husband & I were able to pay off the second mortgage. In fact we over paid at the time. ( This was according to Ditech ) They had said that they were going to issue us a check for the over payment. So my husband & I waited for a month & then made several attempts to call Ditech. Every time we called we talked to someone new, each with a different story. The last time my husband called he was promised that a supervisor would be calling him back, but no one ever did. Yesterday ( XXXX XXXX nd ) I made an attempt to call & finally was able to talk to a supervisor named XXXX. She has explained to me that They emailed the escrow team 3 times & no one ever got back to her. When I asked about talking to a supervisor in Escrow she said that they do n't have one & the only way they can get a hold of them is by email. It is now XXXX of XXXX & we are still waiting on our refund/ over payment. I would really like someone from there to be honest with me & not give my husband & I the run around. 
I think that we have been waiting long enough for this.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a XXXX mortgage with Bank Of America. I have been for the last 10 years showing them that I am not in a flood zone. I have pulled flood certification directly from FEMA showing I am in Zone " XXXX '' that does not require flood insurance. They have always come back and stated I am getting forced paid flood insurance. I do not on my XXXX. mortgage have flood insurance as the lender if XXXX XXXX and state I am not in a flood zone. I am not able to sell my home as I would have to state in flood zone, I am not able to refi my XXXX to get away from them as my value will not come in. They told me I need to get a letter from FEMA /LOMA . In order to get FEMA to give me a letter as they stated I am in zone " XXXX '' I need to get an engineer to provide grades. I finally saved the money to get this completed this year. The engineer came out to my house and stated you are not in a flood zone. Your structure is the highest on your block. I stated I know as no one on either side of my home needs to have flood insurance but Bank of America tells me I do need it. The engineer completed the paper work, I paid the money. I then sent in all my paper work to FEMA and FEMA sent me the LOMA. The letter stated that I am in zone " XXXX '' and that my structure for my home is in flood zone " XXXX ''. I sent everything over to Bank Of America several times with in the past 4 months and Bank of America keeps sending me the same letter for what I need to do to get out of a flood zone and not have forced place insurance on my home. This is very stress full as I did what they told me, I have been going round and round with them for the past 10 years. I need help, I can not sell my home as would have to state I am in a flood zone on the Illinois state Real estate disclosures, I do n't have the money to pay them off out right and ca n't refi as I am still upside down like most on my value of home. Please I need someone to help me as this is not correct. I have done everything and provide proof over the years to show I am in zone " XXXX ''. They have added on money to my amount I owe them in my balance to cover the force placed insurance over the years. Please help me as I am not in a flood zone.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (TX)

Just got an updated credit report and discovered that CITICARDS CBNA has evidently issued me their credit card. I have never applied for, called, mailed or sent any information to them regarding applying for their credit card, and I have never received the card I supposedly was issued. They also did a hard credit check in the process of issuing me this card
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been approve a capital one credit card after been approve they froze the account because I have cards as join account and they think it 's fraud but any way the problem now after summiting my personal information they do n't accept my passport because they said its from different country they are so XXXX ...
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

Company received payment in amount of {$3000.00} from warranty cancellation. This was applied to payments. Loan was rolled to being due for XX/XX/2017. The payment was then reversed and applied to principal. When the payment was reversed, my loan was put into a delinquent status for 2 months. A customer service member told me as a courtesy to me, they would take 2 payments out of the {$3000.00} payment that was applied to principal to my loan to bring me current. They never did so. When I called back to speak to a manager, he informed me I was given wrong information, even though he admitted they told me that, and that there was nothing they could do. My loan is now 2 payments delinquent and they have been reporting not only negatively on my credit, but my co-borrower. This is very unfair lending and false promises with unrealistic expectations. They told me they were going to do something so they should honor their word. This is not harming the company at all as they still would be receiving the same amount of money in either situation. This situation is putting undue hardship on myself as well as causing long term impacts to my credit and my co-borrowers credit for something we did not cause.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MO)

I had man knocked on my door. My husband answers the door. He asked if I was home XXXX XXXX. Then he tried to serve me with some paper 's. I told him to leave are property. He then left got in to his truck. We later notice he left papers on are porch. We looked at them. It was a summons that XXXX was being sued for debt .by a dept collected. The debt collector bought it from fingerhut. We told the judge did not owe the amount. So the judge set another court date. We did not get any notification when the next court date was. So the collection agency got the judgement. I made arrangements make payments even this I did n't owe the amount. To pay a amount agreed upon. Midland funding llc would not except any payment but a higher amount. Which Midland finding was setting me up. Latter they got a garnish order and tried to garnish my husband social security. Which is against the law.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery placed a lien on XXXX home. XXXX is deceased. The lien is related to a debt Portfolio Recovery purchased from XXXX XXXX XXXX. These credit card accounts do not appear as a trade line on XXXX credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX i.e signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX XXXX has frozen all of my accounts ( which were established in XX/XX/XXXX ) and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX ( which they are requiring the customer to fill and sign ), however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX and XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XX/XX/XXXX since I received a raise in XX/XX/XXXX, which means reported income in XX/XX/XXXX will be higher than the income stated on my XXXX tax return?
Consumer complaint received 2016-08-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Asset Recovery Solutions, LLC (AZ)

Private Loans requesting repayment after XXXX years default. 2001, Chapter XXXX, relief with private student loans listed. I thought these were discharged but they keep contacting me with pay requests. Do I pay even though private loans listed on bankruptcy?
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I have submitted over XXXX applications for loan modification through Chase bank who was the service provider for a XXXX mortgage on my home. To date, I have participated in XXXX trial modification programs, of which I preformed flawlessly, with the understanding that at the end of the trial there would be some attempt to negotiate the excessive late payment fees, attorney fees, compounded interest and other fees. 
One specific problem that I can not seem to resolve is the fraudulent inflated value Chase bank has placed on my home and mislead XXXX as to the strength of their position. I believe this has a bearing on whether XXXX chooses to negotiate with me equitably or to foreclose. I have provided, on numerous occasions, evidence to my assertion that the value Chase placed on my home is indeed inflated and fraudulent. In having XXXX separate appraisals preformed on my home, the value came in at almost XXXX the inflated value Chase bank has maintained. As an XXXX I am aware of best practices, of which the gold standard would be comparisons that would back up any appraisal. Chase has refused to provide me with the exact comparisons they maintain they are in possession of and that are the baseline for their inflated, fraudulent appraised value. I have asked for, and offered to pay for, Chase to commission an independent appraisal through their local pool of appraisers to establish my claim ; they refused. 
The very corner stone of the debacle that caused our financial meltdown in 2008 was this very issue - banks using contrived and manipulated values to support a questionable loan. 
I have filed bankruptcy. There is no recourse for XXXX or Chase to collect fees, charges, interest, or for even that matter, the principal, due them for their security. Therefore, I believe this constitutes a new loan under the guise of a loan modification and thus I believe this new loan falls under the consumer protection provisions found in Dodd-Frank.
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I have been charged with invalid and unlawful charges ( property maintenance and inspection fees totaling {$210.00} ) I have asked Ocwen to supply me with copies of alleged worked done as they had no access to my property unless they entered the property unlawfully ( unlawful entry ) my property was secured by my realtor and Ocwen was notified of this by my relationship manager. There was nothing for them to maintain as they had no access to my property and there was nothing to maintain outside either.