davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (KS)

I called to make a payment by phone to cure a debt of a mortgage that was two months past due. I informed the representative of my intentions to pay in full to get the account current. The representative puts his manager on the phone, who consistently asks why I have not returned some phone calls that were made within the past two months. This manager made degrading comments and refused to accept payment of the past due amount unless the next month 's payment was included. This was not yet due at the time of the phone call. The manner that this representative addressed the issue was both verbally abusive and unwilling to assist in my inquiry. I asked for a fax number, to which this representative asked the reason for sending a fax, and refused to give me a fax number unless I gave specific information about what was to be faxed to the company, and why I was faxing it. The representative continued to make verbally abusive comments, and commented on the presumption that I will not make any more payments until the end of the year. I was unable to speak without being interrupted by this representative who began raising his voice in a manner of interrogation, demanding to know how I intend to make future payments. I have never been belittled as much as I had been in this conversation, and I have never seen such abrasive and unprofessional practice as I did with this company, particularly with this representative. I understand the company 's frustration by the status of the defaulted loan, however I do n't feel that they have the right to speak to customers in a demeaning manner, ask questions that are not related to curing the defaulted loan ( i.e. questioning why I did n't answer the prerecorded phone calls that are sent to me several times daily ). This " manager '' did not give me his name or contact information, and did not help me with this simple resolution of curing the defaulted loan. Before calling, I intended to ask the amount of the principal of the loan, to which the manager told me that this has nothing to do with my loan repayment, and refused to inform me of this amount. I was then told to call back next week to " make sure I have enough money in my account '' to cover the past due balance, which would be over 90 days past due at that time. I have never been denied the chance to make a payment on an outstanding loan balance, and being belittled and talked down to was the main purpose that this representative spoke with me during the phone call that I placed to them on Thursday, XXXX XXXX.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (PA)

PNC Bank has failed to provide a substantive response to Case # XXXX. In support of my previous claims of abuses and overcharges is attached the consent order where CFPB has already found that National City Bank and PNC Bank have behaved in a discriminatory manner towards its customers. The mortgage I currently hold fits the settlement criteria except that I do not fit the race profile. However, I would ask that consideration be given to extending the criteria to those covered by the Servicemembers Civil Relief Act ( SCRA ) as well. In addition to the other abuses, PNC used the SCRA rate to their advantage by charging the 6 % rate when a lower rate was possible for the borrowers. I was forced to accept an inaccurate repayment plan, and I 'm not being permitted to make principal payments or having my credit report updated so the abuse continues even after repayment has occurred.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Transaction issue — 
Company: STATE FARM BANK, FSB (MO)

On XXXX XXXX, 2015 I ordered XXXX magazines most of which were renewals from XXXX. I have ordered from this company for many years and dealt with a woman named XXXX. When my credit card statement came, I noted that the amount of {$78.00} appeared and it was under the name of XXXX XXXX. The reason I did not question this name instead of XXXX is due to the fact that in XXXX of 2014, I had ordered with XXXX and when my credit card statement came, I immediately called to dispute the charge. When the payment was denied, XXXX from XXXX called me and wanted to know why I had stopped the payment. I told her that I did not recognize the name XXXX. She said that XXXX was now handling their billing for them. I called my credit card company back and explained what had happened and the payment went through and I received my magazines. This year when I did not receive my magazines after XXXX, I called XXXX and left a message. After repeated calls and then e-mails and no response from XXXX, I contacted my credit card company and was told that they could not do anything to help me because it was beyond the 60 day limit that XXXX puts on them. I filed a complaint with the XXXX XXXX XXXX Florida # XXXX and after a month, was told that they had not had a response and that I needed to contact the Attorney General 's office in Florida. They informed me that XXXX had their business license revoked on XXXX XXXX, 2015 since they did not complete the proper paperwork. They told me that the is XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX I have filed a complaint with the Attorney General 's office. They also told me that you can help me get a credit of this money from my credit card company. I think that if my credit card company is correct about XXXX 's 60 day limit, then this type of purchase with renewal of magazine subscriptions would not be an adequate amount of time to allow the consumer to realize whether there was something not appropriate in the purchase. I hope that you can help me with this refund.
Consumer complaint received 2015-11-02
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (GA)

As of XX/XX/2015 I have been unable to access my funds from RUSHCARD. I am 4 months pregnant and I am extremely upset. I had my last paycheck deposited into my account on the XX/XX/XXXX, when it usually is deposited on the XXXX. After going on Social Media I noticed customer complaints about missing money, unauthorized transactions. etc. On the XX/XX/XXXX I requested a block on the card to protect myself from any problems. On XX/XX/2015 my direct deposit was credited to my account. I called RUSHCARD, and was told by a Customer Service Rep that the system was down and they could not pull up my account. I explained that all i wanted was a block removed from my card. She informed me it was nothing she could do. I called customer service and email RUSHCARD everyday for the past 2 weeks. Everytime I called I am put on hold and eventually the line hangs up. Last week I called and was told by a Rep that I requested my account to be closed and they would semd me a paper check for my remaining balance. This is untrue. I never requested account be closed. I called RUSHCARD customer right back, they put me on hold and later call was dropped. I have requested numerous times to speak to a Supervisor, someone that can help me, only to be ignored and hung up on. This does n't suppose to happen XXXX. I have 2 weeks wirhout money, and still no response from RUSHCARD. I am worried about my unborn baby because I have not been able to eat healthy food for the past 2 weeks. My kids are hungry, my car was repossessed, and Im about to lose my storage all because I believed in my country the great USA. I thought this could never happen, but I was wrong.
Consumer complaint received 2015-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

i am a new widow and nearly XXXX before my husband died he instructed me to cosign on my nieces student loan which evidently is a private loan. she got into financial trouble and began to be late or did not pay at all. i finally told her since i was cosigned that i needed to protect myself and so she needed to give me the payment and then i would make the real payment to insure it got in on time. at that time the agreed note between her and teh company was XXXX per month. i was making these payments each month but then began t worry about possibly forgetting myself so XXXX months ago i called the company and told them to automatically charge my credit card each month for the XXXX the agent made me listen that recording that stipulated i understood the XXXX would be charged each mnth..i said yes. on XXXX XXXX i got a call telling me the note was going up because i had a better credit rating and money in the bank ... the new agent said XXXX or i woiuld be reported to the credit bureau. i tried to explain the money in my account was funds from my husbands life insurance policy and that i needed it to live on for the rest of my life and support our XXXX XXXX son and the other account was a trust fund for when i died to make sure my son would make it..my only income is XXXX in social security ... but he would not consider this and did not note it. today i tried again. and the lady again said you have money you pay..i tried to help her understand i was not assuming the loan that i was just charging on my card what my niece gave me so whatever arrangement they had should still be in affect ... then she said i was supposed to have been paying the XXXX for the last four months but i had no idea as the last i heard was the taped statement agreeing to the XXXX on my credit card automatically. then they wanted XXXX more dollars to pay the late charge for something i knew nothing about and they had not told me. she told me pay it and they might reconsider lowering the note back to the XXXX next month. they refuse to do anything in writing saying they no longer do that. i was dumbfounded that XXXX years ago this was a XXXX loan and now after XXXX years is a XXXX loan. with interest daily and is variable interest. i tried to explain i as the cosigner was not assuming the note ... just making sure nothing hurt my credit rating. i was also told that if the note was paid on time for a year i could be taken off as the cosigner..now they say it has to be a year but paid only by the primary. i just want the note to reflect the prior agreement they had with my niece and i want the lender to honor the on time payment and eventually at the end of a year release me as the cosigner. i want the lender to not play both sides of the field by using my life insurance procedes and trust fund monies as the basis to raise a note but refuse to lower the interest ... ... ..they are preying on a widow and senior citizen
Consumer complaint received 2015-11-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

The issue is with Greentree now Ditech. I received one of the first loan modifications from Greentree. The original modification agreement did not include a provision for " Deferral of Principal ''. Several months later, maybe even a year, I received additional documents that Greentree wanted me to sign to accept the " Deferral of Principal ''. I declined and did not sign the documents. I then received many phone calls telling me is was in my best interest to sign and return the documents. The phone calls began to get aggressive but I stood my ground and told them that is was their error, it 's not included and I wo n't agree to have it included now. That seemed to be the end of it until I went to get my payoff and the " Deferral of Principal '' was listed and included in the payoff balance. I have sent correspondence to Ditech who now services my account but with no results. I 'm hoping that this complaint made through your office will help me get a correct new payoff
Consumer complaint received 2015-10-30
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NJ)

misplaced credit card.. -but found credit card .. call for a replacement never received replacement and this had been since XXXX/XXXX/15 spoke to a person on the XXXX/XXXX/15 and said I will be receiving XXXX on either XXXX or XXXX did n't come ..also spoke to a person on XXXX and said to call back on XXXX for a routing number for a card but did n't get threw. The number that RUSH card has do not work their always busy and when they answer they put you on hold for at least XXXX hrs. -- no XXXX customer service .. the only time they are reachable is XXXX ; XXXX in the morning ..I have sent a couple of email which take at least XXXX hrs. to be answers but the website says a it a XXXX hrs. turn around. I just want a replacement card my payroll check is deposited on this card.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (ME)

Appeal for loan modification denial was declined with servicer stating appeal response was not received on time. However, borrowers emailed and mailed response to servicer on the due date. The servicer failed to open the appeal email from the borrowers.
Consumer complaint received 2015-10-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (TX)

The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. 
Not the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted.
Consumer complaint received 2015-09-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have been paying my mortgage without missing any payments and my mortgage company send me a letter on XXXX saying that I own them money and I send them proof of payments made and cashed by them since then and I have no answer from them. they keep sending asking about all that money and they hired a lawyer to star foreclosure I send the lawyer all the proof of payments no answer from them neither and the mortgage company is not accepting my monthly payments I keep sending them my normal monthly payment and they send it back to me because they said I have to pay total amount I own. since 3 months ago they are sending me back my payments.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans Union LLC failed to properly investigate and/or reinvestigate to my previous dispute letters, which I provided compelling and substantiated documentation and evidence of aggravated identity theft and fraudulent accounting in connection with XXXX adverse accounts identified in my credit files. Both accounts identified in these report are not mine due to aggravated identity theft and fraudulent accounting by Furnisher and/or XXXX-party ; to wit : XXXX FORMERLY XXXX and XXXX. See attached report with my comments annotated by each discrepancy. Bureau of Consumer Financial Protection Case No. : XXXX submitted on or about XXXX XXXX, 2015 is XXXX.
Consumer complaint received 2015-10-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Firstsource Business Process Services, LLC (KY)

They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (PA)

Since XX/XX/XXXX, I started XXXX family plan with a 2-year contract. After this 2 year contract due, XX/XX/XXXX, I went to XXXX store at XXXX XXXX XXXX, XXXX, and changed my plan to prepaid service. But after plan switch, I found XXXX still charged me same money of the canceled plan monthly, in the meanwhile, the prepaid minutes also decreased after each use. I called XXXX customer service for several times to fix it, their representatives agreed to cancel this double charge, but an unreasonable bill which value is {$270.00} resulted from that. And XXXX sold this bill to RPM collection agency to let them collect the money from me.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I went to XXXX, looking to open up a bank account and was told I could n't do so because there 's fraudulent activity on my banking history. I then contacted chexsystems to see what they were talking about and it says there 's a charge off amount for {$330.00}. I 'd love to know why this is there, and what I can do to remove this from my history.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I am sending another complaint because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 60 days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Experian is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 

1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with XXXX and properly verify this misinformation immediately. 

3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 

4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

I will not take ANOTHER generic response as a form of validation of my disputes. Correct these XXXX items immediately, I will not stand for any lack of proof, investigation and evidence which I am requesting as my right by LAW. That is not a proper reinvestigation BY ANY TERMS! I can not afford to wait any longer, it has been way too long, too tedious and I fear as though someone at Experian is purposefully making this hard for me. I want this information corrected, and nothing else. This is my life. Please ...
Consumer complaint received 2015-10-30
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Associates Loan Servicing LLC (SC)

Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: ID Analytics, Inc. (OH)

On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. 

Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee.
Consumer complaint received 2015-09-10
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA (WI)

I was sent {$25000.00} by a company that I assumed owed money to a woman I had been talking to. I then sent her a majority of that money and shortly there after the money was requested to be returned. The company was XXXX XXXX XXXX out of Nebraska and they use the First National Bank of Omaha. They now have all of my accounts at XXXX bank frozen.