davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OR)

Pnc mortgage company is dragging their feet about stopping pmi. I have asked them twice in the last 9 months to take it off. I am now at 68 % LTV and XXXX XXXX 2016 is the scheduled time that it should stop. I want to send My XXXX payment without pmi payment but they say I should send it in anyway. I asked for new coupons showing no pmi on the coupon payment book. They always have an excuse, never get to talk to a supervisor. I am afraid that pmi is never going to stop unless I sue them. I should n't have to since it is the law that it stops at the scheduled time.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (TN)

i have someone trying to purchase my home and I contacted ocwen inquiring about my payoff amount and when I finally received their quote o was appalled! It is so incorrect and on top of that they added on several fees and late charges which are not correct or right! I have my bank statements to show when they have been paid and on what date! After receiving this I decided to check my credit report and it shows that ocwen listed my mortgage closed back in 2013, which is NOT correct as I have been paying them monthly to this date! I now understand why I have been turned down so many times when trying to get a loan etc. this is illegal and a federal offense to not report to the credit bureau! I also have not received a monthly statement since 2013 and when I have inquired about this issue I was told each time they would correct it and send one, well I have yet to receive a statement! Now I know why cause who knows where my money has been going and based on their payoff quote and my credit report it sure has n't been going on my mortgage! I want this fixed immediately! As I have an opportunity to sell my home and due to all these circumstances and incorrect information I may lose the buyer as he cant wait forever for me to fix the problems ocwen has created!!!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NY)

i was a victim of a lost credit card that was used in another country and when the charge went through it was associated with a phony address i have never been associated with. Lost my passport in which was reported to proper authorities and proof of loss reported given to discover along with valid dr notes to prove i was XXXX when fraud happened, Discover called dr offices to confirm my appointments but under the HIPA LAW THE doctors or nurses are not allowed to give personal info on where and what therapy i have had but my legal note were good enough for them they had me guilty before i could prove my innocence and would n't put me on a three way call with my dr to confirm i was at the dr when the fraud took place and accused me of tampering with the dr notes. I also had proof i reported my passport lost they did n't care less i want proof of the debt and want to see the credit card slips with my signature on them. Also i was screamed at by XXXX managers of the fraud dept and was called right out liar i will not be spoken to in this manner. I BEGGED THEM TO RESEARCH IT MORE AND BEGGED THEM TO CALL DR PUT US ON THREE WAY CALL SO I CAN GIVE PERMISSION WITH HIPA LAW LET THEM RELEASE INFO TO DISCOVER THE DR OFFICE THAT IS. DISCOVER BROKE THE LAW CALLING MY DOCTORS AND REQUEST PRIVATE PATIENT INFO ITS AGAINST THE LAW
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

My entire experience with Ocwen loan has been extremely difficult. They have returned payments once I fell more than 60 day behind and they advised my bank that it was returned due to an invalid account number. I have been misinformed countless times by reps. My biggest issue is the violation of the Fair Credit Reporting Act. XX/XX/2016 I wired Ocwen {$3700.00} to bring my loan current. I was advised by numerous reps that my credit bureau report will be updated. One rep informing me it would be done immediately. Since XX/XX/XXXX I have checked my credit with XXXX XXXX, XXXX XXXX Free Credit Checked as well as ran free reports from all XXXX Bureaus. My credit has not been updated since XX/XX/XXXX and since XX/XX/XXXX with XXXX. I have disputed this with all bureaus and I have made numerous attempts to resolve this with Ocwen. My last attempts have been with their Escalations Department where they claim my Credit Bureau report was updated XX/XX/2016
Consumer complaint received 2016-11-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AK)

my husband and i paid off the mortgage and he was the XXXX on the loans. he was XXXX of XXXX when a real estate friend coned him into a {$55000.00} loan at 15 % interest short term. the agent used his brokers mortgage company to secure a loan against my house which of course was quit claimed to me before my husbands death. the agent forged my signature on XXXX form that had to be signed by me in the loan package, without my consent or knowledge and then the loan was moved to a different bank. i made monthly payments after my husbands death until i paid so much and the balance never seemed to go down much also i put extra money towards principal and i dont think the bank applied it correctly. i have scrutinized apprx. 10 years worth of monthly statements and found errors in the banks work. XXXX year i was billed XXXX times for the same month and made the payment. the realtor has thrown money occasionally and some within the last year, but the terms of the loan state that in the event of default he is responsible for the entire amount interest and attorney fees. i am facing foreclosure on XX/XX/2016 for default on a loan that is not even mine. im not sure if the bank that gave the loan is at fault the realtor that took the money or the person who notorized the signature. i wasnt even there but it was my name and the realtor admits doing it. i also had the signature analyzed. please email me back. thanks, XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

My XXXX and XXXX loans are through XXXX XXXX / Navient. For years I have been battling with them due to inflated fees and interest. They continue to offer me forbearance and no other assistance or proof of the validity of new fees etc ... It 's been a frustrating ordeal that they continue to hang over my head and ruin my credit. It 's a struggle to get any loan for a house or even rent due to this ... I 'm living with my mother! I have federal and non federal loans also private loans through Navient. I just need help. Please
Consumer complaint received 2016-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

I was told that I had to take out loans until my GI BILL started by the schools VA rep. The VA Rep miss handled my paper work for my GI bill and was n't turned in on time. I was told the school was accredited and I could transfer, that was not the case and was forced to finish my schooling. once I graduated I found out that I owed XXXX in student loans, which was the first XXXX that the VA rep never turned in paper work for. After years of going back and forth VA told me they could not go back and pay those loans even if it was school reps fault. By the time I went back to XXXX XXXX the VA rep had been fired and no longer there for the miss handling paper work and they could do nothing to help me at the time.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has illegally re-aged XXXX accounts and is reporting this negative and incorrect information to the credit reporting agencies. They are reporting a new date of first delinquency XXXX/XXXX/2012 this is absolutely inaccurate and incorrect.
Consumer complaint received 2016-12-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a checking account with Bank of America and i realize a fraudulent activities has been going on at the hours i 'm at work which cost me a lot of problem, like missing my Creditcard payment, Auto Insurance payment and my rent. I called the bank and told them all that was going on and the provided me with a temporary credit. Bank promised of carrying out investigations over the transactions, only for them to say my claim is closed and investigation is completed, telling they see i was the XXXX authorizing the transactions.I ask how would i be so stupid to spend my money and still come back to the bank and claim something that i spent.I went in to the bank on XXXX/XXXX/2016. I had a word with the Relationship Manager in the name of XXXX. He put me on the phone with the claims department once again and they said they will reconsider the investigation. Letters from the bank came through the mail with the same line they used " We completed the investigation and we realize the transaction were authorized by you, So therefore, all the credits that was provided will be debited off my account. As at today XXXX/XXXX/2016 at XXXX I checked my account balance via mobile banking and i see a negative balance of ( $ XXXX ) and this is unacceptable. Imagine a bank representative asking me if i want them to prosecute the person using my card ... I replied with a yes and i should n't tell them to do that. I believe they should know better. So please i need my money bank and i need to clear off the negative balance in my account. Help me
Consumer complaint received 2016-08-03
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I lived at XXXX and I was ordered off the property by XXXX county courts wa. My ex stayed and then later clened the apartment out and left before the contract time. When I applied for another apartment they denied me and said I owed an large amount to them. So I contacted them and asked them how to settle it and the amount and they would n't tell me anything at all. They told me to contact the debt collector they sold the debt too. When I did they will not answer or return my calls. So I looked into it by checking my credit and it is saying I owe XXXX different amount totaling XXXX. I could n't believe it. So I called XXXX back and demanded an break down to why I owe that rediculous amount. They told me to get bent. I believe there is some illegal stuff going on with this. No one will contact me or give me paper work on the break down so I can take it to a lawyer. If you look at my credit it is listed as IQ DATA INT XXXX and IQ DATA INT XXXX. I am disputing this and asking that it be removed or they prove in a broke down letter why I owe this rediculous amount to take to a lawyer. Thank you for you Time.
Consumer complaint received 2016-12-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (AZ)

My student loan complaint is directed at FedLoan Serving 's incompetent and corrupt practices of repeatedly delaying/ignoring requests for loan forbearance processing, which has resulted in wage garnishment of my next paycheck. 

My complaint is that FedLoan does not have the right to such a collection, neither directly nor via a collection agency, since the forbearance should be granted and the improper collection action is due FedLoan 's negligence, incompetence and grossly irresponsible and corrupt practices. 

I assert that I am entitled to the forbearance I have requested based on the following : 1. I qualify for loan forbearance, as I did the previous 2 years at the same wage. 
2. I have been granted forbearance by XXXX for the loans which they are servicing, based on my current income. 
3. I have complied with timely submittal of my forbearance request and have sent repeated subsequent requests with supporting documentation and correspondence. 

I acknowledge that I borrowed money that I am obligated to repay. 
I have made regular payments on previous student loans when I had adequate income to do so. However, I am currently working at the wage I made 20 years ago, a net income of $ XXXX, and do not have means to pay student loans at this time. 

FedLoan has repeatedly taken 6 months or longer to process my forbearance requests, but in 2016 they have taken longer than 12 months to acknowledge and process my requests, which has resulted in a wage garnishment order. 

I received my FIRST and FINAL Notice of Garnishment on XX/XX/2016, dated XX/XX/2016. The notice states, " you may exercise the right to contest this actions '' ... but " because you have failed to comply with the terms of the previous notice, your exercise of this right will not result in the delay of wage garnishment ''. 

My current bi-weekly net income = {$750.00} ; the wage garnishment bi-weekly amount = {$130.00}, leaving me a bi-weekly balance of {$610.00} ( $ XXXX ) for bills and living expenses. The result of FedLoan 's incompetence has put me in dire financial circumstance.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OK)

my federal student loans were sent or sold to Navient after XXXX It was no way i could make those payments that Navient was ordering me to pay so when i heard about the student loan forgiveness program i jumped on it. The way that it was set up is i qualified for consolidation and i had to pay XXXX and my loans with Navient were consolidated thru another company who wrote Navient a check for my full balance owed on all student loans. Since almost a year ago when this happened I was getting late payments reported on my credit reports after they was paid in full. Student loan I had with Navient are now showing closed and paid. I have called them numerous times and ask could they remove the accounts off my credit report so maybe i will be able to purchase a house XXXX day. I have been told by Navient that they will not remove because by law that was something they could not do. How is it they can put something on your credit to ruin you but cant take it off to help. I just dont know what to do.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Optimum Outcomes, Inc. (ND)

I have XXXX as an Insurance provider I 've always been insured by XXXX. XXXX has always paid any bill I 've had. During this time in Question I was insured by XXXX. It is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET EXPENSES. If I had a bill I would 've definitely sent it to my insurance company who paid any other bills I had.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I received a conventional XX/XX/XXXX ARM rate term refi XX/XX/XXXX from XXXX XXXX XXXX with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ XXXX./mo. I had been paying XXXX principle and interest plus $ XXXX./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). 
SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they adding the shortfall to my monthly payment. In fact they have suspended a normal regular payment and charged me a late fee besides before my calls fixed that. 

Where Im at now is, SLS states to me that they are allowed to charge me extra for a cushion on the PMI as they consider it an escrow account. I know this is n't right, but after many calls even to upper management, the issue is n't resolved. 
I would like to know what your take is on this. I thought before I notify CFPB ( never thought I would want to contact them on purpose ), I would see what you can advise me or if you know something I do n't on this. 
I have the statement and escrow shortage statement if you would like to see them. 
I also am concerned that even if SLS clears my issue, how many other consumers do n't realize whats going on and I would like that looked in to as well..
Consumer complaint received 2016-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (AZ)

I paid termination fees to cancel my apartment rental agreement on XXXX to XXXX XXXX, I also paid another months rent XXXX/XXXX/14 as my last months rent. I returned my keys to XXXX XXXX on XX/XX/XXXX and was told my last months rent was all that was owed ( aside from any potential damage to the apartment in the 2 months I lived there - there was none ). XXXX XXXX sent me a bill to collect past concessions ( which was included in my {$840.00} check ) and utility bills while the keys were in their possession and I had vacated. NCC sent me the collection notice in XX/XX/XXXX, I filed a dispute on XX/XX/XXXX and provided documentation of the above referenced check to prove it was paid. I contacted NCC on numerous occasions following up and was never provided with any resolution until after the collection hit my credit. I was told the client did not accept my documentation and that the debt was still due. I eventually paid the debt to prevent any further negative impact to my credit. I 've since then contacted NCC to receive a deletion letter since I have the documentation it was already paid, and a representative from NCC confirmed that the resolution of the collection was not rendered until after it impacted my credit - despite my continued efforts to resolve it prior to impact, as I would have paid a debt I do not owe to prevent such a huge impact. I have exhausted all efforts to resolve this issue and prove the debt was paid and have yet to have anyone point out that the check I paid in the amount of {$840.00} is not included in my ledger with the client. I 've attached a copy of the cashed check that included the concession charge backs they have on their ledger, I 've attached the ledger that indicates ( after a second review on the part of the client ) that I did in fact pay my final water bill - check XXXX of {$44.00}, the final trash, electric and service charges are for a period I was not in possession of the keys and they were in the hands of the client. I was told on the day I moved out and turned in my keys ( XX/XX/XXXX ) that the only other payment to be made would be my final months rent ( paid XX/XX/XXXX ) and any damage to the apartment in my 2 month stay. Not only was XXXX XXXX wrong for pursing the collection, NCC failed to resolve this issue before it impacted my credit - despite my continued efforts to resolve it beforehand. I can provide any documentation needed to resolve this issue. Thank you.
Consumer complaint received 2016-12-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I filed for a dispute and I did it XXXX XXXX on XXXX XXXX they took the money back without my knowledge when I called they told me that they would put the money back into my account because they took it out without my knowledge even though it was visual credit and my account is still in negative I 've had XXXX people in fraud department told me that I can get my money back and that my account will be in a positive balance again because they took money out of my account without my knowledge then when I called back because it is still negative they act like they do n't know what I 'm talking about and my account is still negative I feel that I 'm getting treated unfairly when I speak to a supervisor of the fraud department he had attitude I do not know his name like he did n't want to be bothered I have been at many banks I have never had a problem with filing for dispute this was the worst.