davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I lost my job in XX/XX/XXXX so I 've been working as a Temp until the XXXX. I bank with Bank of America My loan # is XXXX. I really struggled with my mortgage payment. I first applied for modification in XXXX. Nothing happen. The temp service placed me in a job paying a little more I was able to catch up. So that job ended in XX/XX/XXXX. The next job paid a lot less so I struggled again. So in XXXX I applied again for Modification talk with rep went over paper work filled out package did n't hear anything called in XXXX had to reapply again same paperwork. So I called XXXX and did the same paperwork again. Now it 's theXXXX and I have n't receive paperwork to fill out. I 'm a 4 or 5 months behind on my payments. I did receive a coupon to pay XXXX for XXXX payment when I was paying XXXX I asked my self how do I pay more when I 'm trying to get it lowered. My name is XXXX like I stated I have a new job that 's paying me 3 dollars more an hour. Were I was only making XXXX an hour. I would like to save my home. I just stared my new job so I will get a full pay check but I had to not take taxes out in order to pay my mortgage payment which will be late because I ca n't pay until the XXXX when I get paid. I 'm so stressed not knowing if they are going to help or not. I had a modification that ended in XX/XX/XXXX. Question can you only have one Modification in a life time? Maybe I 'm missing something. Please help! Thanks
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

Since XX/XX/XXXX, Ditech has XXXX my accounts due to a changeover in their computer system. All of the accounts except for one has been corrected. Despite receiving all of my monthly payments on time, they state that I have not paid since XX/XX/XXXX. I have proof of payment as well as proof of their mismanagement. I get called by their collections department all of the time and when I explain the situation to them, they say that I am correct. And yet they keep calling. Just yesterday, a phone representative rudely asked why I did n't make my last payment, when in fact I did. The person stated that if I pay {$150.00}, then the rest of the unapplied amount would complete the payment and I would be brought current. I do not owe this money, but wanted to make this go away, so I paid anyway, even though money is tight right now. I think this amount is incorrectly charged interest and late fees. Upon paying this amount, they erased all of my payments since XX/XX/XXXX. I was assured on several occasions since XX/XX/XXXX, that they would straighten this out. Am I supposed to receive harassing and rude phone calls for the next 18 years because Ditech ca n't correct this? Is it Ditech 's wish to force default on a homeowner so they can take their home? Ditech, please take notice that CFPB is publically publishing this complaint. Since I had loans on this property for the last 10 years, I was never late nor am I late now. And yet I am being treated like a deadbeat by Ditech.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (MA)

This complaint is against CitiFinancial Mortgage Company. Borrower is XXXX XXXX, Loan # XXXX. On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX called CitiFinancial to find out the status of a short sale which began XXXX XXXX, XXXX. At that time, after speaking with the lender for 1 year they were told by XXXX XXXX ID # XXXX they would not speak to XXXX because a non-owner had not signed the 3rd party authorization. However, on XXXX/XXXX/XXXX a 3rd party authorization was signed only by the main borrower, forwarded to the lender and accepted by CitiFinancial because negotiations continued from that point forward.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank continues to call my home and business 3-4 times per day harassing me for not paying the enormous late fees they have tacked on some of my credit cards. I have told them to stop calling my home and my workplace multiple times a day for 50 days now, they refuse and continue the barrage of harassment. 
My boss is very unhappy about these phone calls. I could lose my job over this.They tell my co-workers they are debt collectors. How humiliating is that? 

I even made more than minimum payment to try to stop the harassment, but they want those excessive late fees made up, that is why they continue to harass me after I tell them to stop. I told them it is illegal to phone me after I told them to stop, they just laugh, and continue to harass. Debt collection is outsourced by Synchrony Bank, foreigners are doing the harassment.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Resurgent Capital Services L.P. (CA)

I received a collection Notice in the mail from a company called " Resurgent Capital Services '' in XX/XX/XXXX. They are claiming I owe a debt of XXXX to a company called XXXX. They also have stated this account was opened on XX/XX/XXXX. I know nothing of this account and would have been only XXXX or XXXX at the time being my Date of Birth is XX/XX/XXXX. This is ruining my credit before I even start my life. XXXX has reported this account on my credit and now their collection company " Resurgent '' is now additionally reporting negatively also like I have two accounts negative. I informed " Resurgent '' in XX/XX/XXXX of my age and of this matter and they refuse to remove this and will not stop attempting to collect this Debt.
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (NC)

I sent a payoff for this card in the mail in addition to my other banks auto draft to pay. I sent the payoff the end of XXXX. I received no calls or letters showing that a payoff payment had not been received. When I checked my credit last week I saw it had been lowered by XXXX points due to late payments. I called and they were unhelpful and unwilling to provide any consideration for my situation despite me explaining I mailed the payoff and never got contact from them that they did n't receive payment. As soon as I heard I called and payed the payoff right away. I am suppose to close on a house in 2 months and I 'm this error could cost me my home and my XXXX deposit. I was suppose to get a call back from a manager but never did. This was concerning TD bank credit card.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

TO WHOM it may concern : I am filing this complaint because ocwen my loan servicer for XXXX had approved me for loan modification I did not receive any paperwork.I then had to resubmit to them. 
have been waiting over a month to hear anything other then they are still looking at it I started this process in XXXX of 2015 with the help of law firm. 
the reason for my hardship is separation from my wife. 
I work in the construction field so I have a slow season. 
with work getting ready to pick back up I was hoping to be around the house when they make a NEW DECISION but since I was approved I was wondering why this has to be drug out.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (VA)

The debt is from a lease. I was constructively evicted from the apartment due to XXXX. I had to go to the hospital with smoke XXXX. I left the apartment at the end of XX/XX/XXXX and had paid through the end of XX/XX/XXXX. The debt is for partial rent in XX/XX/XXXX I disputed this debt with the landlord XXXX explaining that I had been constructively evicted. XXXX never sought a judgment against me. They ceased trying to collect the debt in XX/XX/XXXX National Credit Systems XXXX Inc. contacted me on XX/XX/XXXX, by phone claiming that I owed this debt and threatening to report it to the credit agencies if I did not pay. I told them that I do not owe this debt because I was constructively evicted from my apartment. On XX/XX/XXXX I received a letter from National Credit Systems XXXX Inc. dated XX/XX/XXXX claiming that I owe this debt and stating that unless I notify their office within 30 days, they will assume that the debt is valid. On XX/XX/XXXX, I wrote them a letter stating that I did not owe this debt because I had been constructively evicted from my apartment due to XXXX. According to XXXX tracking they received this letter on XX/XX/XXXX. On XX/XX/XXXX at XXXX a.m. XXXX, National Credit Systems XXXX Inc. called me from XXXX. They again claimed that I owed the debt and threatened to contact the credit agencies if I did not pay. I told them that I had sent them a letter explaining that I do not owe this debt. He claimed that I had not sent them a letter. I told them that I had proof that they had received the letter and then he admitted that he had the letter. He told me that they would verify the debt and then report me to the credit agencies. He recorded the call, but only part of the call.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX car installment loan. On TransUnion reports dated XX/XX/2016, and XX/XX/2016, my XX/XX/XXXX payment was not included. Also, one of the officials stated that my low credit score would change after 3 months of payments on this car loan. It appears that TransUnion may have deliberately refused to reflect my timely payments. XXXX XXXX is sending me a letter stating that TransUnion was notified of my XX/XX/2016 payment in a timely manner. TransUnion without my request or permission chose to opt me out of promotional lists supplied by TransUnion without any expiration date. It is my position that for some reason unknown to me has maliciously sabotaged my credit report by these various uncalled for actions. This is a complaint totally different from the previous complaint with CFPB. These negative actions of TransUnion causing my credit score to be Grade XXXX even though I always make all payments in a timely manner and every account on my credit report states " paid as agreed ''. TransUnion is violating FCRA laws.
Consumer complaint received 2016-11-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (CA)

Creditor participated in Unfair Deceptive Abusive Acts or practices ( UDAAP ) by committing a Breach of Covenant of Good Faith and Fair Dealing and a Breach of the of Implied Warranty of Merchantability. Creditor via merchant provided me with a vehicle backed by a loan which was defective and which had serious mechanical problems, and as a result the creditor via its merchants practiced and committed unfair dealings which is a breach of contract and a violation of my consumer rights. I was unable to drive the car and had to park it for over a year as the car was not functional. They therefore violated FDCPA and state Laws. This inputted a high financial burden on me and greatly affected my credit and therefore I will like the violations committed by the creditor to be investigated.
Consumer complaint received 2016-11-12
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. (GA)

On XX/XX/2016 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please validate this debt as required by the Fair Debt Collection Practices ( FDCPA ) Act 803 definitions 15 USC 1692. I have sent them XXXX letters certified mail on XX/XX/2016 and XX/XX/2016 ( attached ), and disputed online with XXXX. This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me any proof that is a valid debt. I have an unverified account from # XXXX I have previously disputed this account. I have never done business with diversified consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters they signed for them on XX/XX/2016 @ XXXX and on XX/XX/2016 @ XXXX. I dispute the validity of the debt purposed that I owe. I have already requested that diversified consultants provide validation of this account with competent evidence bearing my signature showing that I have ever had a contractual obligation to pay them, and I also requested the following : 1.The original Application or contract to diversified consultants that states I owe them. Instead they have sent me a statement bill 2x this is unacceptable. And this is no form of validation. They also did not mark disputed within 30 days on my credit report pulled from XXXX on XX/XX/2016. They are reporting inaccurate information based on their bill that they sent to my address as a response. On my credit the total due is {$450.00}. and on their bill response the total due is $ XXXX is my last and final attempt to allow them to remove this account permanently from all credit bureaus before I file a claim in small claims court in Georgia where I live, for $ XXXX. I want this removed off my credit report at once! It is causing me great financial hardship. I will be attaching all documentation with complaint.
Consumer complaint received 2016-11-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (SC)

Receivable Solutions has reported incorrectly. Each time we try to talk to them we get threatened. Last year they had reported duplicate accounts. Now those accounts are removed and XXXX account has been reported of over {$6000.00} the dates are wrong and the amount is wrong. Yet they will not talk with us even in order to set up payment schedules.
Consumer complaint received 2016-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We signed the DIL agreement with Wells Fargo back in XXXX of XXXX and vacated the house on the agreed upon date of XXXX XXXX, XXXX. 

This is going on 1 year now and still not resolved. Wells Fargo will not release the lien after receiving all of the paperwork, they will not return calls or emails to our lawyer to give us any update. 

We also continued to pay the utilizes on the house throughout the winter until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; I was not able to stop paying for trash service as the house is still in our name. 

Any help you can give us with this would be greatly appreciated.
Consumer complaint received 2016-11-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK IS REFUSING TO ASSIST ME IN RESOLVING AN ISSUE WITH TEXT ALERTS. 
TEXT ALERTS ARE VERY IMPORTANT TO ME AS THEY KEEP ME UP TO DATE AND INFORMED ABOUT MY ACCOUNT. FURTHER, I WANT TEXT ALERTS SO THAT IF EVER THERE IS AN ISSUE WITH SUSPECTED FRAUD, AND IT IS NOT FRAUD, I WANT TO BE ABLE TO RESOLVE THAT QUICKLY, WITHOUT CALLING, SO I MAY CONTINUE TO USE MY CARD.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Gitsit Solutions, LLC. (MD)

Since XX/XX/XXXX I have been requesting a mortgage modification. The holder of my original mortgage was XXXX in Fl. After the federal government shut there office down, my mortgage was acquired by XXXX XXXX XXXX for over 4 years they never provided any paper work stating how and why they have my mortgage. I completed every request from XXXX to complete the documents for a modification with no success. Then I received notice that XXXX Mortgage is my new holder of my mortgage. Now, XXXX claim to have my mortgage. What are my rights? What documents am I suppose to receive from the mortgage that is true and legal. Is this legal?
Consumer complaint received 2016-11-14
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: SUNTRUST BANKS, INC. (FL)

I was told by the active hours app, which is a payday loan app to submit a complaint here. I was charge by my bank on the wrong day to get a overdraft fee. They told my bank to charge me on Monday, since Friday is a bank holiday, but instead charge me on Friday. My bank is SunTrust.
Consumer complaint received 2017-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (DC)

I applied for a new XXXX XXXX card from Citibank which I should have been well qualified for ( XXXX XXXX XXXX ), but was apparently denied without explanation, despite following instructions from their customer service. I applied aroundXX/XX/XXXX. After several weeks without a response I called Citibank 's customer service around XX/XX/XXXX. I was told that I needed to verify my identiy either by providing a reference a letter, or by answering a verification call. I had not received a letter, and apparently the phone number they had called was a landline number that I discontinued a few years ago. The customer service rep offered to re-send the letter.
So far this was fine -- I ca n't fault Citi for wanting to do two-factor authentication. The troubles began when I received the repeat letter. I called Citi again and provided the code in the letter, but instead of taking this as verification, they instead denied the application. The only reason I could get out of the customer service rep I spoke to was that they " could not verify the information on [ my ] credit report. '' I went around with him repeatedly trying to figure out what that meant, or how I could fix it, but only got the same response. I asked to speak to a supervisor, but while I was being transferred I accidentally pushed the wrong button on my phone and hung up.
At this point things went from bad to worse. I tried calling back, but Citibank 's application line has an automated voice response system that requires an SSN before you can proceed. When I enter my SSN, I get an automated response that my application has been denied, and can proceed no further. I ca n't get anyone from Citibank on the phone, and ca n't get any further information. Citi eventually sent a letter confirming the denial, but with no additional information, just " We could n't verify the accuracy of some of the information you provided. '' I 've attached the final uninformative letter, such as it is.
Now I have no card, and a hit on my credit score from a hard inquiry that went nowhere.
Consumer complaint received 2017-03-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I have been consistently making monthly payments to Navient and they have failed to allocate my monthly payment towards my loans. This has now caused my credit score to drop over XXXX points. There 's no way my credit score should have dropped by XXXX points when I have records to show that I have been making consistent monthly payments for either the minimum amount due or an amount higher than that. I have a total of about XXXX loans with Navient and I expected the monthly payment to go towards my loans. 

Just recently, I made a big payment to Navient and now they 're trying to pull another payment from my account without my permission. This has caused my checking account to be hit with XXXX returned item check fees. At no time did I authorize Navient to take an automatic payment. I self-pay my payments.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PDQ Services, Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, XXXX  Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX XXXX, PDQ, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX  posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2016-07-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

FRAUD OF ( PennyMac Loan Services , LLC ) REF : PennyMac Loan Services , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX ID # XXXX. 
I have an account with PennyMac Loan Services and I have Insurance with XXXX XXXX XXXX for last 5 years. PennyMac Loan Services NOT Releasing the payment from my Escrow account. My agent reached PennyMac Loan Services , LLC 3-4 times and there is NO Response from PennyMac Loan Services. and iLLegally Imposing Amount : {$2800.00} for insurance. XXXX/PennyMac Loan Services always play these games. I have a OLD Complaint against XXXX XXXX XXXX and Returned my Money. After Complaining to CFPB. Please Help me AGAIN with Fraud of PennyMac Loan Services. 
Regards XXXX XXXX