davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

I refinanced/modified the mortgage on this property back in 2012. Greentree approved the refinance which was based on making 3 monthly payments which were completed and on time. I received a congratulations letter that my refinance/modification was approved. Subsequently 30 days later I received a follow up letter from them saying they never received a signed document I was suppose to mail back to them. However, there was no such letter ever sent to me that required a signature. I requested them to simply just fax or send me the letter to sign and I 'll get it right back to them. 

They declined and made the mortgage due in full and rescinded the refinance approval. After many attempts they agreed to have me submit a new application. Using all the same information since nothing changed they declined this one of course. From what I have found out this is a scheme to steal homes and is fairly common with companies like this. This action by that company cost me my family, my house and everything I worked over 20 years. I 've contacted over 20 people at the various companies most likely involved in this fraud and they all hind behind their XXXX dollar desks. If the investment company ( Ditech, Greentree, XXXX XXXX, XXXX Investors or whoever ) would like to come out of the shadows and speak with me regarding correcting this wrong before if must go to court and media. As a result of all this the house was foreclosed on this year.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NJ)

I have excessive overdraft fees, equaling {$1500.00} this year and counting. This month alone has equaled {$710.00}. I can not get ahead. I do not have the means with which to replace these charges. There are pending charges on my account today and I will be hit with more fees. Additionally my car lease payment was returned twice, I have insurance policies that will be cancelled due to lack of payment and the fees I will incur from those agencies. The bank refuses to refund any of the fees because they already did so once in my lifetime with them. If they would refund my account, by next payday, I would b able to recover. I will not be able to pay my rent if this persists.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

Well Fargo and it 's " agents '' have been HARASSING me for almost XXXX YEARS now. Several months after closing a checking account in early XX/XX/2004, I received a letter saying I owed XXXX nearly {$400.00}, but NO explanation of why. I demanded to know WHY they suddenly decided I owed them a bunch of money, and demanded a breakdown of the charges. They never sent another word, just sent it straight to collection. Since that time it 's been " sold '' to more agencies than I care to count. Lately people from XXXX have been calling XXXX times XXXX, including Sundays starting at XXXX local time and sometimes not stopping until after XXXX. Most of the time they hang up after just XXXX ring, or no one is there when answered, but when they DO answer, they refuse to tell you who they are until you give a bunch of information.
Consumer complaint received 2016-12-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

I have an institutional student loan serviced by ACS Education ( http : //www.acs-education.com/ ). As of a week ago, I began receiving emails at different time points regarding temporary verification codes after the implementation of two-step verification. Of note, I have n't tried logging in in the last week. I emailed ACS 's customer service email through their website and have not received a response. I called customer service right now and am told that these emails are automatically generated, are normal, and that there is nothing to worry about. 

To test this, I tried to log in with an incorrect password and no email was generated. I logged in with my correct password and the verification code was sent. I have since changed my password. This is not consistent with what their representative told me, so the representative was either dishonest or did not know better, both of which are responsibilities of the company. 

I think that ACS has not been forthright and an agent other than myself has been logging into my account without me knowing. I would like to know what, if any, information was compromised, and if the recent changes in implementing 2-step authentication were prompted by known activities beforehand.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (PA)

We appreciate your taking time form your busy day to advise us on this minor detail. 
In 2013, we paid our credit card balance ( less than {$100.00} ) 30 days late. 
Now, going on four years later - this late payment remains as the one and only late payment in our entire credit history spanning decades and 100s of creditors. 
The negative impact of this singular and isolated incident on our credit, on our cost of insurance, on our cost of borrowing - goes far beyond any reasonable penalty for such a minor infraction. Further, continued reporting of this issue contributes nothing to the intended purpose of such reporting, i.e., exposure of higher risk associated with our use of credit. 
We have made several attempts over these years to request assistance from Chase - each time, receiving a different and purposefully ambiguous reason for their inability to make sense out of this non-sense. 
As you have time - would you kindly provide direction as to how we may best resolve this issue? 
Chase Executive Office XXXX OH XXXX Mail Stop OH XXXX Thank you, XXXX
Consumer complaint received 2016-12-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I want to submit a complaint against Ocwen Loan Services. I put my house up for a short sale for the second time a year ago and Ocwen has been giving me the run-around again ... I had a buyer for the house in XX/XX/XXXX and it took Ocwen 4 months to review it. I spoke with a Relationship XXXX ( they changed constantly ) for XXXX years ( see about the status of the account and where things were ... I was told my account was still being reviewed then I was served with a sale date in XX/XX/XXXX the day after I spoke to my Relationship XXXX and there was no mention that Ocwen was going to sale my house ... .I was forced to file Bankruptcy immediately with no real job ... .I was doing temp work at the time and a loan from a friend of {$1600.00} to pay for a lawyer to stop the sale. 
After that the bank said they had finally reviewed the documents, they wanted more money for the house to meet XXXX ... The buyer agreed ... When all of the paperwork was completed for me to sign, there was no relocation fee money on the table for me. I asked what happened to that and was told a number of things from the XXXX fee and the relocation money could not both go on the XXXX form together to because I was delinquent with the XXXX, the bank could not pay the relocation money ... none of this was in writing to me ... .after many phone calls I was told that the house needed to be sold for more money in order for the bank to accommodate me ... I asked for all of this to be put in writing because none of this had been shared with me in any of the written communications. A few weeks later I received a form letter stating I was ineligible for the Relocation money but no explanation was given ... We raised the price of the house to the amount I was told by XXXX of the customer service reps and then I received a letter from an attorney saying the bank was foreclosing on me ... .I called Ocwen to get a status on my account this week. Ocwen said the file had been closed. I asked if the new offer had been received. He said it takes a couple days for the systems to be updated. I said the new offer had been submitted. He said check back in a couple days. He then set up an appointment for me with my Relationship XXXX for XX/XX/XXXX I said my last appointment was missed by the RM. He asked if I needed anything else. I said I had received a foreclosure letter from an attorney. He said " Oh yeah, there is a sale date. '' Had I not said anything, the rep never would have mentioned it. This is a pattern ... We spent a year trying to get this done and the bank is moving ahead to sale the property at auction when we have a buyer that has been approved by them. Is it that they do not want to honor my request for the relocation fee? I do n't know. I need help ... not only for me but for the buyer who has put her life on hold for a year and the bank has not respond honorably. Please help!
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

On XXXX separate occasions letters requesting a free credit report were sent. A return response from company was that I would have to pay for the report. The request ( s ) were after the 1 year wait period and to my knowledge no report was requested during the 1 year wait protocol.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

On 2 occasions in the last 12 months, my mortgage company has taken my entire loan payment, including the amount over the requested payment, and applied nearly 100 % to interest. My payment is {$480.00} and has been for the last 10 years. All other payments have been applied correctly. 
The first was on XXXX/XXXX/XXXX, my payment was dispersed as shown below : Total paid : {$500.00} Interest : {$490.00} Principal : {$3.00} - This math does n't even work On XXXX/XXXX/XXXX, My payment was dispersed as shown below Paid : {$500.00} Interest : {$480.00} Principal : {$11.00} I contacted the lender, Specialized Loan Services, and they stated that my loan was simple interest and they would not correct the issue. I then reread my original loan contract and confirmed that my loan is a fixed rate. At this time, I also discovered that my loan was written as a 30 due in 15 which was never explained to me. I have faxed and emailed the mortgage company and they have not yet responded nor fixed the error - it has been 7 days.
Consumer complaint received 2016-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

I have reviewed my credit reports with XXXX, XXXX & XXXX and the reporting that Fed Loan continues to report has stalled my approval to purchase a home. Fed loan is reporting that my loan was opened in XX/XX/XXXX in which it was not. The original creditor is reporting an entirely different month. Fed loan is also reporting an incorrect XXXX date of delinquency. I have made several attempts to have these incorrect reporting updated or deleted but to no avail except for the deletion of XXXX of the amounts they have been reporting. This account has been closed for quite some time and I 'd like to see that the inaccuracies removed from my personal credit reports because they are extremely incorrect. How can they continue to report this {$4200.00} & XXXX debt on my reports incorrectly! This loan was originated from an institution that I attended and again, the date the loan originated is NOT XX/XX/XXXX. XXXX expressed in her mailer to me that by law they are to report accurate information to the credit bureaus and unfortunately, Fed XXXX is not abiding by this law as they continue to report erroneous information on all XXXX of my credit reports. This loan was originated in XX/XX/XXXX but prior to XX/XX/XXXX. I am requesting that I be provided with the signed promissory note that reflects the date that they are reporting. Per the XXXX, which is the XXXX and only accurate reporting agency for this loan, the date they 're reporting is incorrect. Furthermore, the payment history being reported reflects that the XXXX date of delinquency is XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax & on TransUnion XX/XX/XXXX. Well which XXXX is it really!? How can this be accurate if it 's all different? I am requesting that these reporting 's be deleted or updated to reflect the correct loan details per the XXXX under the Fair Credit Reporting Act immediately.
Consumer complaint received 2016-12-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I purchased an American Express Serve Pre-Paid Card to use as a source for direct deposit of my pay check. My first deposit was deposited on XX/XX/2016 and on the same day of that deposit I received XXXX unauthorized transaction from the State of XXXX while I was in the State of XXXX working. I contacted the American Express Card services the same day XX/XX/XXXX to notify them of the unauthorized transactions. There were XXXX transaction for {$50.00} each and XXXX transaction for {$37.00} for a total of {$180.00} on XX/XX/XXXX I was told I needed to wait 3-4 days for the transaction to post and to call them back. I called back on XX/XX/XXXX and was told the transactions had posted and that I could dispute the charges. I was told I needed to fill out their Declaration Fraud Form and return it via their upload site. On XX/XX/XXXX I scanned the form as a PDF and uploaded it to them. They told me, if I return the forms back within a 10 day time period, they would credit back my money while they completed the investigation. After 8 days, I call them again because I had not received any correspondence from them during the 8 day periods. I was told that the documents I sent were all black and unreadable. After pushing the issue to a speak to a supervisor I was told that their PDF program was not working, so they could not read the forms. Once again, I informed the supervisor that I not received any correspondence from them concerning the documents being illegible. I asked the supervisor what was an alternate way to send the forms back and she gave me a fax number ( XXXX ) and she said if I fax it immediately, she would get the documents from the fax machine and review it. I fax it on XX/XX/XXXX at XXXX and received a fax conformation that the fax was received OK. I call her back and she said that she had received it and the forms were good. The supervisor then said she was going to send them to the investigation department to complete the process and to get them to credit my money. I call again on XX/XX/XXXX to find out my status and once again I was told the forms were unreadable and I needed to resend them again. I said the first one were unreadable but I resent them via fax and they were reviewed as OK. I never received a text or email that either set of documents sent were unreadable or unusable. Please remember the supervisor on XX/XX/XXXX read them and said they were ok. I was requested to send them again for the third time via fax by Supervisor XXXX ( ID # XXXX ) which I did on XX/XX/XXXX. I really believe they are stalling and taking me through all these changes so they do n't have to return my money by making me become frustrated and walk away from the process.
Consumer complaint received 2016-12-22
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I am XXXX and have recently gotten into a financial bind. I have been using payday loans to the point to where it had to stop. I am going to use " Legal Advocates for XXXX and People with XXXX ''. They told me to stop payment on the payday loans and as soon as I could give them the 1st of 4 payments of {$62.00} totaling {$250.00} they would get started working with me. I went to my bank XXXX and had them to stop payment to CASHNETUSA, XXXX and XXXX. The money was still taken out of my account yesterday. I receive XXXX benefits of {$XXXX} every XXXX Wednesday of the month. XXXX sent an email stating that the amount they would take out was {$350.00} but actually took out {$330.00}. CASHNETUSA sent an email saying they were taking out {$740.00} for a line of credit of {$2000.00}. I told them I could not afford that so they changed it to {$240.00}. Well guess what!! They took out the {$740.00}. That left me with {$150.00} to last until I get my next XXXX check on XX/XX/2017. The bank refunded the charges for stopping payment but they said the reason the money came out any way was because the amounts were different than what the loan company told me. What is the world am I going to do now. I have bills to pay and ca n't pay them. Not being able to buy XXXX either. My Mom is XXXX and I ca n't even give her a gift. I called XXXX and explained the problem and they looked it up and told me to tell my bank to reject the money from being taken out and XXXX said they ca n't do that.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IL)

Received a credit report from Experian today XX/XX/2016 that was dated for XX/XX/2016 with my name deliberately incorrect. My name is XXXX XXXX XXXX but my report was sent to me with XXXX XXXX XXXX. Please know that Experian has numerous copies of Driver License and Social Security Card. I 've enclosed the documentation of proof with this complaint.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MA)

I deposited a check on or around XX/XX/2016, at TD Bank , N.A . An extended hold was placed on the funds. I did not discover why a hold was placed on the funds until speaking with a branch representative on Monday. At that time, I was informed that the fraud department unilaterally decided on Monday to delay funds availability because of the " high incidence of fraud '' during the holiday season. I was not given a disclosure or made aware of this policy prior to depositing this check and I certainly was not given a disclosure 30 days prior to implementing this change as required by Regulation CC. 

The check was drawn on an account at XXXX. The check is from the XXXX of Massachusetts and it is for fuel assistance. I am a low-income individual, a single parent, and I need that money to be available to me. I have contacted TD numerous times and informed them that I believe this policy violates Regulation CC for several reasons and that failing to disclose this policy is unfair and deceptive.
Consumer complaint received 2016-12-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC (MO)

Went thought USA Morgtage and DAS Acquisition underwriter at the last minute on last wednesday stated I need addition document of employment. My loan officer I have no issuse with its the underwriter of my VA mortgage put me and my family is a really diffucuilt sitution and loss hope and uncertaintly of using this house that the underwriter went though all the stages and getting our hopes ups, and making my family possibility becoming homeless over this sitution. Making our family think we got to pay all these inspections, apperaziles, and other paying all these fees. My finicial coach adivised me to contact you over this issuse. My name is XXXX XXXX my email is XXXXXXXXXXXX and my cell phone # XXXX and my wife name is XXXX XXXX here contact are email XXXXXXXXXXXX and cell is # XXXX.
Consumer complaint received 2016-12-22
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

Paypal held my funds for over 21 days, which is beyond their contract and beyond the Electronic Fund Transfer Act allotted time frame in which to pay. 

The CFPB.gov is more than aware of the problems with Paypal holding funds to collect interest. Why is the CFPB not doing anything about this? Who may this be escalated to?
Consumer complaint received 2016-03-02
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: TD BANK US HOLDING COMPANY (PA)

I filled out the wrong acct # on my Tax Return and did not catch the error until the day the IRS send the money and the money was deposited into someone else 's acct. We notified TD Bank immediately of the error. TD Bank confirmed that they have the money and its is currently on hold but refuses to send it back to the IRS. The IRS says that the only way to reissue the money is for TD to return it back to them however they will not. I am at a total loss as to why they will not return the money and I need help. TD Bank is unwilling to do anything. The IRS said that this happens frequently as they often get wrong information and the Bank always returns the money. I have spoken with many employees at TD Bank and they have all said the Bank should just return the money until they get to the ACH department and that is where the refusal happens, the Customer Service Employees are told unless the IRS asks for the money back there is nothing they will do. I have spoken to the Banking Commission, FDIC, IRS, XXXX and several others all have said the Bank needs to return the money. TD Bank will not allow me to speak with anyone in the ACH Department. I am at the end of my rope as to what to do. I am placing this formal complaint against TD Bank for holding money with full knowledge that it does not belong to them and needs to be returned to the IRS for proper distribution. Please HELP!!!!!
Consumer complaint received 2016-12-22
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

Navient is calling my phone repeatedly a minimum of six to eight times a day. I have filed forebearabce paperwork with them which they are refusing to acknowledge and have stated they can do whatever they want in order to make me pay. I have asked them to limit their number of calls daily, I have blocked their number and they have used more than XXXX different number and they are harassing me over a debt I was paying regularly prior to becoming unemployed. They have said they do n't care if I have the money to pay me and that they will continue to call me as many times a day as they want until I pay them which I keep trying to explain I can not do at this moment.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MO)

We purchased a new home on Friday, XXXX XXXX and decided not to use the same financial institution to handle our new mortgage. Flagstar Bank held the mortgage on our existing home. The title company wired our payoff on XXXX XXXX. However, as the payment was received after XXXX I was informed our payment would not be applied to our loan until the next business day, Monday XXXX XXXX. This caused us to XXXX more days of interest accrual. 

Additionally, they would require you pay to receive you payoff amount. 

I believe both items are in violation of UDAAP.