davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK (GA)

On XXXX XXXX, 2015, I filed a law suit against Midland Mortgage for an alleged loan that was in default. The case is still pending in XXXX XXXX XXXX Court. I received the attached threatening letter from XXXX XXXX XXXX ( debt collectors ) stating my home is in foreclosure as a result of the property owner 's default. XXXX XXXX XXXX did not obtain my prior consent to contact or speak to me. This is identity thief because you have my name and address and have communicated with me via the mail without my consent. The letter states " within the next XXXX XXXX days, title to the property is expected to be transferred to Midland Mortgage, a division of MidFirst Bank. Sometime thereafter, ownership of the property will probably be transferred to the Secretary XXXX ( XXXX ) ''. I dispute the letter in its entirety. What allegedly account number and loan number? Is XXXX Bank, Midland Mortgage, and MidFirst Bank XXXX in the same? This is deceptive collection. Who are you hiding behind? Are you a creditor? XXXX XXXX did not validate nor verify anything. Where is the alleged debt validation or verification? Please cease communications until the alleged debt is validated and verified and my questions answered. Who are all of these people? I will sent a Notice of Dispute and Debt Validation Notice along with a copy of the case filed against XXXX Bank, excluding my private information. If you would like to be added to the case that exist in XXXX XXXX against XXXX Bank, please let me know. If the alleged loan is expected to be transferred to XXXX Mortgage and will probably be transferred to XXXX, who allegedly owns the loan in default now? Is it MidFirst Bank? Why is a XXXX account number at the top of your letter if they do not have the alleged loan now? If they have the alleged loan now, why did you sent a XXXX employment verification form and a XXXX Occupancy Conveyance Form if XXXX does not have the alleged loan? If they have the alleged loan, they would have the information that you are requesting. Why should I send my private personal information to a debt collector? I will also add damages for the violations that you have committed against me utilizing my protections under the Fair Debt Collection Practice Act. This is fraudulent, deceptive collections and a threat against me as a natural person, consumer, and creditor.
Consumer complaint received 2016-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

Navient has been reporting me as 30, 60, 90, 120 days late on my student loan while I am on hardship forebearance. I have the physical paperwork reflecting all of this as well as the e-paperwork. My credit score has gone down XXXX points in the last 30 days because this is the only time I have ever been reported for being late on a payment. It destroyed my plans of buying a car and has costed me who knows how many job opportunities as I 've also been attempting to change career fields. Now I think I know why I mysteriously was having an extremely hard time getting calls and interviews more so than at any time in my entire XXXX years of life. I will take them to court I will blast them on every web site in existance every day if I have to because this is CRIMINAL.
Consumer complaint received 2016-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Card Receivables Fund Incorporated (TN)

This debt is a result of identity theft. I need it removed from my XXXX report immediately. It has been eight years since this debt and it has to be removed. The company is Unifund CCR LLC. They have put a lein on my property located at XXXX XXXX XXXX XXXX. I need it removed because I am selling the house. I will settle with them at a low price, too.
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MA)

I have a XXXX Loan with ACS Education Services. I have submitted XXXX deferment forms in the last 3 years. They say that they process the form XXXX5 days after receiving the form, but that has never been the case. My deferment forms have been neglected for weeks and only processed after I emailed them. This time, it has been 8 weeks, and they are not even responding to emails.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I opened up a Sears Citibank MasterCard XX/XX/XXXX because a Sears Representative encouraged me to do that to get a {$15.00} discount on a jacket I was purchasing. I was one day late paying the outstanding balance of {$76.00} and a did n't realize a {$29.00} late fee was smacked on until my next account Statement. My husband contacted Customer Service on XXXX XXXX, 2016 and they said they would reverse the late fee payment if I called in. Due to some personal life crisis, I did not get a chance to call until today, XXXX XXXX, 2016. I was astonished to find out that my account balance now has another late fee of {$29.00} that was tacked on XXXX XXXX, 2016. I asked them to waive XXXX late fees since they were honest mistakes but the customer service rep said that I had to pay the outstanding balance of the XXXX late fee charges to do that, which made no sense to me at all. I asked to speak to a manager and the manager was no help at all. She said she could waive XXXX late fee but I had to pay the other late fee in order for her to do that. It was an awful conversation and the worst customer service experience I 've ever had in my life. At this point I feel like I am forced to pay the late fees or Citibank will keep adding on late fees and profit from this. Out of principle and to protect other customers, I am filing this complaint in hopes that Citibank will discontinue this unconscionable practice of adding these excessive and aggressive late fee charges. My credit is excellent and I wish that I had a better experience with Citibank. After my phone call with their Customer Service Department today, I want to have nothing to do with Citibank ever again except to have them do the right thing, which is to waive the XXXX late fees.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (MD)

LVNV has filed a wage garnishment on me for a debt that equals {$2800.00} from 2008 which is past the limit of state. being 8 years. I look at my credit report ant there was a wage garnishment, I never receive any paperwork from these people and do not owe this debt. This is an old credit card debt that they are trying to collect on.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OR)

I was laid off by my employer in XXXX 2016 and filed for unemployment. In XXXX and XXXX 2016, I attempted to request a recalculation of my Income Based Repayment plan because my income had changed. Both requests were denied because I had checked the wrong checkbox on the form ; I still paid the bill amounts in full to show good faith and to remain in good standing. In XXXX when I was denied a second time I called the fedloan call center to request assistance with filling out the paperwork -- the operator at that time instead only outlined employment deferment as my sole option to remain in good standing with my student loans ; when I specifically explained that I no longer had income and needed my monthly payment recalculated, I could not get the information I needed to have my income-based repayments reconsidered. 
The 3rd attempt, filed online on XXXX XXXX, 2016, was processed on XXXX XXXX, 2016 at the central processing center. However, because my monthly payments are due on the XXXX of each month, I am still receiving requests and notifications that my XXXX payment is past due. I called the fedloan call center today to further request relief from the XXXX payment, but was told that my only options were to pay the bill or to go into forbearance. I explained to the operator that I had multiple attempts to make the request, but she bluntly explained that forbearance or full payment were my only options. 
My understanding of the income based repayment plan is that it allows for reconsideration of monthly payments based on someone 's income. My understanding is also that when someone fills out the online form ( as I did on XXXX ), the current balance is temporarily suspended until the request is processed. 
I believe that my request is being handled in an unfairly strict way. I filled out the online form before my bill was due on the XXXX, and I can also prove that I was laid off in XXXX and spent precious cash resources trying to stay current on my account even as I was requesting assistance from the operators because the paperwork was confusing to me, and therefore incorrectly filled out.
Consumer complaint received 2017-01-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

RE : DiTech Financial LLC Acct # XXXX To Whom It Concern, I am filing this complaint in regards to the DiTech Financial account ( # XXXX ) that is reporting on my credit report with a past due status. I do not understand why DiTech is reporting this note as active. They have failed to demonstrate any ownership of the note or be able to provide proof if they are the servicer or note holder of this alleged debt. Please note the missing original pages noted with the contract copy. 
This loan was originated XX/XX/XXXX by XXXX XXXX XXXX, XXXX. The loan was for a XXXX XXXX manufactured home that was purchased XX/XX/XXXX. 
Please see the attached Title from the State of Michigan dated XX/XX/XXXX reflecting " no secured interest on record ''. There is no standing for any active loan to be collected on. 
I am respectfully requesting a complete removal of the DiTech listing on my report. It appears they may have acquired this loan by error. Please reference all attached documentation and dispute response from DiTech Mortgage. Thank you.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC (GA)

D & A Services, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, IL XXXX - Trying to collect on a debt that was completed in 2006 from returned damaged merchandise. The damaged merchandise was picked up in 2006 by delivery men of an XXXX store and XXXX sold the old debt to D & A Services. A XXXX XXXX, Manager, completed the return of the damaged merchandise. This was all done in 2006 and very old. We are not in possession of the damaged merchandise. I have notified D & A Services of the above and do not want them to continue with contacting me.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

Good morning, My School XXXX is now closed due to a federal investagation. While Attending, they made me take out " Private '' and " Federal '' loans in order to complete their program. I am currently repaying back the private loans at this time and they are current and not in default. Will I be able to get my private loans discharged in this matter please help?
Consumer complaint received 2016-07-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DISCOVER BANK (NV)

XXXX XXXX XXXX XXXX XXXX have filed a lawsuit against me for transactions I disputed on my Discover Business card. I provided XXXX XXXX with copies of FTC IDTheft Affidavit, XXXX police reports and copy of IDTheft protection product coverage paid for 4 years to discover. Also, XX/XX/XXXX a lawsuit class action against Experian was settled on individual basis. Experian was the provider of the IDTheft product I paid Discover every month since XX/XX/XXXX. All documents were ignored and thus costing me thousands of dollars to fight. I have not been able to turn in claim re-emburisment papers as this is never ending. I spoke to XXXX XXXX, attorney from US Dept of Justice and sent him various recorded conversations of people posing as federal officials threatening to seize all property and jail me but could not offer help, per se. NV AttorneyGenerals office told me to file a " private right of action '' but I ca n't find an attorney licensed in NV. Discover and XXXX have violated in excess of XXXX consumer violations including facilitating third-party payment processors and high-risk merchants illegal activity on my cards and provided no risk management. In fact, " I provided an obscene amount of documents from websites scam reports, blacklist, XXXX, even CFPB 's case fining Discover XXXX for their IDTheft product. I 've pressured corporate office fraud/disputes to review my case and demanded documentation validating disputed transactions. Nothing was done and letters stating charges were valid, were sent and no docs showing a bonified offer or service. I have also made a {$2000.00} payment that did not post or reflect my balance and Discover debited my XXXX XXXX checking account XXXX unauthorized. This caused overdrawn fees and return check fees. They have pounded and dictated my life for years, took my money, ruined my credit, and made me unable to get a job. My life as I knew it is gone. I 'm not the same person. I do n't trust ANYONE, I 'm unable to focus & complete tasks, and i 'm an hour late for everything because of anxiety of leaving my home. it seems people or XXXX dollar companies can do whatever they want to whomever they want and there 's nothing I 've been able to do about it. Discover and XXXX XXXX have ruined my life and my relationships from living in constant crisis in defensive mode. I 've done so much research and work and none of it has been acknowledged or taken into consideration as to my dispute. I feel like I 'm spinning my wheels and it 's a state of hopelessness to get any kind of justification for the criminal and fraudulent happenings that are taking place, from any government entity. I do not presume to have the knowledge that your division has spent years of experience and perfecting what is a fair penalty for consumer red dress, but I implore you and seek your intervention as I no longer can fight. I am financially out of resources.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXXbank - 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 These inquiries were removed from my credit report and added back without written notification which is in violation of FCRA Section 611. After speaking to a Transunion representative who admitted to a glitch in their system but claims my report was not effected, they refused to remove ALL inquiries that were unlawfully added back to my report. This caused a dramatic change in my credit score and I am demanding that these inquiries be DELETED from my credit report.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion and XXXX Credit Reporting Agencies are not reporting my current credit information to those that are requesting credit information from me, who I have allowed to gain such information to obtain a service from those requesting credit information. Also, I have sent by mail via certified receipt numerous of time to have my personal information change to current information and to correct and update all discrepancies in my credit report. 
Please, I would like my credit report from all credit report agencies to report current and accurate credit report about me. Please, advice. Thank you.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (MO)

The last XXXX months I have had issue with Statebridge Company, XXXX receiving my mortgage payment in a timely fashion. Once I even sent it XXXX day priority mail and it did not show up until the XX/XX/XXXX. This month I sent it with enough time to be received and to date they have not processed the payment. I believe they are trying to gain late fees on my account along with the others that I see in the list of complaints against them. They told me they can not guess what the post office will do but going from XXXX to XXXX CO should not take 9 days. I believe they are sitting on payments and only processing them when someone calls them to complain. This is not good customer service and I can tell you that they do not care. I know this based on the last conversation that I had with the young lady. She said why did you not mail it on the first, I stated I had to wait on my payday and she said well you need to give XXXX business days for us to receive it so if I get paid on the XX/XX/XXXX and mail on the XX/XX/XXXX then I will be late because XXXX business days is around the XX/XX/XXXX of the month. That is not an acceptable answer and surely they have enough people to process the loans that they have purchased from other financial institutions. I tried for a week to contact them to set up ACH and could not even reach a customer service XXXX Now I want to refinance and know the value of my home is not in a position that I can do that. So frustrating to deal with incompetence and them to tell you its the postal service does not work for me.
Consumer complaint received 2016-08-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CO)

This is a complaint about transactions denied due to insufficient funds, involving BNY Mellon ( d.b.a. XXXX, an XXXX provider ). 
On XXXX XXXX, 2016, a health care provider ( XXXX XXXX ) attempted to run a charge against my XXXX account via debit card, for more funds than were in the account at the time. The charge was denied, which makes sense. 
Later that day, I looked at my XXXX account online and found that the " denied '' charge had actually translated to a debit of {$300.00}, which was all the money in the account at the time of the transaction. This transaction number had a unique identifier, Claim # XXXX. 
Eventually, BNY Mellon/XXXX voided that transaction, and it no longer appears in the customer interface I can see on the web. However, there was a period of approximately six days when this debit remained on the books. 
I called BNY Mellon/XXXX on XXXX XXXX, 2016, and was told by a customer service representative that this is " normal business ''. I was specifically told that when an XXXX debit card transaction is denied, the funds in the account may be " in limbo '' for 3-5 business days while things are straightened out. 
I do n't know if this practice is in violation of banking law or not, but it seems like it should be. It sounds to me like BNY Mellon/XXXX is processing debits immediately, but delaying credits for 3-5 business days, and possibly benefiting from interest in the mean time. 
This is my XXXX complaint about BNY Mellon/XXXX, the first being Case number : XXXX. This particular institution seems to be operating on the fringes of legal behavior. I 'd appreciate it if the CFPB could bring their resources to bear on the problem. 

Thanks, XXXX XXXX
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NCC Business Services, Inc. (TX)

My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but national credit systems and security cred.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
Consumer complaint received 2016-11-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (VA)

XXXX XXXX Dovenmuehele Mortgage Inc. refused to pay our county taxes by the due date of XXXX XXXX, 2016. They refuse to have anyone from their tax department take our phone call. They refuse to tell us when payment will be made and why its being paid late. We have called and sent in the bill yet they refused to pay it by the due date. They stated in an email they had till XXXX XXXX. The County Treasurer even emailed them stating this is not true. We called again today and all of a sudden they do n't have the paperwork that allows my wife to handle the mortgage. I had to verify over a three way call and give approval for them to speak with my wife. She spoke with XXXX employee ID XXXX. He would not make any phone calls or find out why the taxes were not paid. He repeated numerous times that there is usually a 40-45 grace period to pay the tax bill past its due date. My wife repeated that this is not the case in our county. He refused to put his boss on the line. He refused to get the payment sent over night mail. He refused to send a message to the tax department so this does n't happen again next year. When asked to speak to his boss we were told we could leave a voicemail for his boss XXXX. He refused to provide her employee number or last name. The voicemail box was a generic one that did not state you had reached XXXX. As we are forced to have our taxes escrowed we are left with the Mortgage company making late payments. As we pay our mortgage payment early every month we expect the Mortgage company to pay our taxes by the due date. This should not be an issue.