davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

5th compliant on my mortgage company. Well finally got my escrow and monthly payment corrected which is good. But they have found another way to affect me. They are doing updated every month to the credit bureau stating I am past due 30,60,90 then couple days later update it saying I am current. I am not past due and have not been past due on my mortgage. I get a credit alert from my credit card company for any changes that happen on my credit file. I am uploaded the information for you to see what they are doing. I work my XXXX off to get my credit back on track during my bankruptcy. In XXXX my credit score was XXXX as of XXXX it is now XXXX. They know my bankruptcy is being discharged this month and I have said in all of my previous compliant I want to get away from them when it is done. So now they are affecting my credit score where as I can struck with them forever. Every month since XXXX they have been reporting wrong information on my credit file. I am at wits end with this company.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I was due to have my XXXX the day I graduated from college. As a XXXX year old college graduate a child was not in my initial plans, but strived to become a successful mother and start a successful career with my quality education. However, with the inability to find a job that would even pay for the time my child would be daycare my dreams of a career faded and I needed to find a job to pay for my bills month to month. Currently working XXXX jobs to try and pay the bills. With my grace period coming to an end on my loans I sought help from Navient & XXXX XXXX. XXXX XXXX was willing to let me pay interest only payments which I could afford. The only options Navient gave me were either pay the full payment or apply for forbearance. After several phone calls with the agency, countless hours on hold and so many tears of hopelessness it 's hard to see a positive financial life past my student loans. I do n't want to ruin the good credit score I have because I have a goal to buy a house for my daughter and I some day. I found it hard to believe my only option to pay my loan was either full payment or forbearance. I could pay one of my loan payments with the forbearance amount ... They explained to me that the payment option I chose when I started my loan which allowed my mom to make small payments while in college meant that I could not chance my payments post graduation. If this was properly explained in any fashion weather verbal or written communication with this company we would not have chosen this option. My mom was just trying to help me by paying a small amount each month. All of my private loans were originally taken out by XXXX XXXX, but XXXX of my XXXX loans were transferred to Navient during their switch. I spoke with someone in the Navient collection department who was helpful and informative about how to get my payments to the " level repayment '' or " workout program '', when none of the people I spoke with said even existed. He said these programs only accessible through an application and me missing payments ( which after missing 3 payments would effect my credit score and bring on weekly/daily phone calls from the company ). Though he was the only helpful person i 've ever spoken with through Navient he admitted that the process was not easy to get approved for. I have paper work, numbers and countless conversations with people I tried to seek help from. I saw your lawsuit and felt my story would be beneficial to hear from. 
I attended XXXX in XXXX XXXX Ohio. Graduating with a degree in XXXX and XXXX XXXX.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IA)

Vehicle loan with Fifth Third Bank. I suffered a financial hardship and did a voluntary repossession of the vehicle. Fifth Third Bank sold the vehicle at auction. We then received multiple statements showing our balance was zero. Fifth Third Bank is now trying to collect {$4600.00}. We have disputed multiple times. Not I received notice from XXXX credit that the bank has filed a suit or judgement. 

XXXX/XXXX/2016 XXXX - Suit or Judgment New Suit or Judgment information has been added to or changed on your credit file.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

I have had the same student loans in my name since XXXX XXXX. My ex husband was ordered to pay them in the court of XXXX County Alabama. He of course did not follow through. I have been put on forebearance and on income driven repayment plans as well as in default before, where they took every cent of mine and my husband 's federal income tax refund ( which was over $ XXXX ). in review, I have noticed that I have several old accounts on my credit that reported as of XXXX, that were. NOT servicing my loans and that has hurt my credit. Navient has had my loans for a while. I paid {$50.00} a mo for 6 mos and I was supposed to be " forgiven '' by one of the " servicers '' and once those payments ended, they stopped taking the money and ended up going into default and then being sold off to other servicers. This is bait and switch. I make $ XXXX a year and can not pay anything back, especially since these student loans are over 20 years old. Currently, I am on an income driven plan with Navient and XXXX. I do.not understand why I have so many different servicers. I have asked in the past to have them all consolidated, they say ok and never do it. So I get one caught up with whatever they can give me and then the other is not. This is so confusing and never ending. I also want to know where that $ XXXX went bc I should be $ XXXX less than I was. It is n't showing that. I am very frustrated and tired of having to worry about it bc they hit my credit..Also, I applied for IDR from Navient, sent in all my Info and they said they could n't read it and I had to resend. Sadly, they did some system update and it kicked out EVERYONE who was trying to get any sort of repayment plan approved so they put me into " forebearance '' until XXXX to get things " fixed ''. This sounds a lot like the whole mortgage industry XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

The terms of my student loan repayment were changed when Navient took over my student loans from XXXX XXXX. I was originally told that as a XXXX, I would be able to defer my loans as long as I remained a XXXX XXXX student. I am studying at the University XXXX pursuing my XXXX. At one point, I was charged the full principal of my loan, and was informed there was an error in the reporting of my full time status. Even though my University is a part of the XXXX that reports to Navient, they claimed I had not reported my full time status. I then had to go to the Registrar and get documentation proving my XXXX XXXX student status and wait for the information to be received and updated. This was very difficult trying to plan finances based on only a stipend from my role as XXXX XXXX. Recently I was informed that my XXXX I took out in 2009, was in full repayment. I had been paying the interest only on this loan, as I had been informed by XXXX XXXX it was not available for full deferment. This year ( my XXXX as a XXXX student ) I was informed the amount of months for my deferment was limited to XXXX, thus, I was required to pay the full principal and interest of my loan. This is different from what I was told by XXXX XXXX, and also by a manager at Navient. I had called to get this all explained to me, and I was told by a manager that since I was paying the interest and was not in full deferment, they should not of run concurrently, I was put on hold, and disconnected. When I called back, a different manager told me that my 48 months was up, and there was nothing I could do and was required to make full payments. I explained another manager had told me otherwise, and they did not look into this further. I looked up the promissory note from 2009 XXXX, and a deferment of 48 months is not listed. I was told by Navient, that when they took over the loans, some of the terms were changed in my loans.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I sent Equifax a dispute via certified mail on XX/XX/XXXX they received it on XX/XX/XXXX as of today, XXXX, they have yet to notify my about status of my dispute. when I get on their web site to check status, it says ( dispute date XX/XX/XXXX -- -- -completion date XXXX ), but when you go to results, there nothing there. as it has been over 30 days I have tried to call, but ca n't get a real person on phone. dispute is about reporting of child support. I contend that said child support should be removed as report date is over 15 years ago, ( XX/XX/XXXX ) ..I also called the state of Missouri, as this is where these XXXX child support cases come from. Missouri says that they are NOT reporting this as it is not their policy to do so on cases this old, especially since we made payment arrangements years ago, as they have been garnishing my pension and social security each month. my obligation with Missouri, per our payment agreement will paid in full by XX/XX/XXXX. it was my request to Equifax , that these XXXX items be removed, as they are over 15 years old and that these cases are closed. I have been working hard to resolve this matter with Missouri, and with all parties involved as I have been trying to repair my credit score, due to XXXX broken relationships, a few bad decisions on my part. please have them remove, as the way I read the guidelines, that these should have been removed long ago. I am no lawyer, so this is why I am turning to you for help. a person should not be persecuted for a few financial hard times out my control, such as layoffs, injuries, ect. the damage has been done, but years of reporting old cases by the credit reporting companies, serves no purpose but to keep a persons numbers down, so that banks and other loaning institutions may jack up interest rates. looks like coercion to me ... ... thanks
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC (TX)

Rise Credit is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I made application with Bank of America for a credit card on XXXX.I have a fraud alert in my account and called the bank at XXXX XXXX at XXXX XXXX XXXX to confirm that they had not called me at the XXXX XXXX XXXX number on my account to continue the application. the line is a land line number.I was also given another number to call XXXXwhich I called on XXXX XXXX at XXXX XXXX and XXXX. I was told that I needed to call thebank from the phone number. I was having problems with my internet connection ( my land line works via the internet and I was able to recieve calls via voice mail but I was unable to make any calls..I also called another number that was provided to me XXXX XXXX XXXX at XXXX on XXXX XXXX and XXXX on XXXX XXXX. On the XXXX I made the change with the credit bureaus to list my cell number of XXXX XXXX XXXX on my credit reports since it was going to take several days to get the land line connection fixed. 
on XXXX XXXX I was told by Bank of America that the credit card was approved. I WAS NOT told that they had run XXXX credit reports. I WAS VERY CLEAR that only XXXX credit report ( hard hit ) was to be pulled.Now on my credit reports it is showing Bank of America made XXXX hard hit inquirys on my credie report on XXXX XXXX and XXXX to XXXX and XXXX on XXXX XXXX to XXXX. This is so wrong! my credit score is excellent with all XXXX bureaus and making application for a credit card should not require XXXX hard hit inquirys. To be penalized because I have a fraud alert with the credit bureaus is wrong!. I spoke with a representative from Bank of Ameical yesterday ( XXXX ) she told me I authorized the additional inquiry and it would not be removed. I told her that was not true and the XXXX additional inquirys needed to be removed. I told her I wanted the record to state that I did not authorize the additional inquirys. she told me she would not add this to the file. This si so wrong. Bank of America has done this in the past. They are very casual when it comes to making hard hits on peoples credit reports. I was very clear that no additional hard hits were allowed. They record their messages and should backtrack on the conversations I had. The hard hits will lower my score and this in turn will affect what I pay on the XXXX insurance policys I have. I want the XXXX hard hits removed or to be reimbursed for the increases that I will oncure with my insurance going up.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I have both private and federal loans through Navient that are set up to automatically debit every month from my bank. I try to make extra, separate payments. I am unable to make a direct payment to one loan online ( trying to decrease the principle ). Only option is to mail in payment, with a note telling them how to apply the payment. It does n't matter if my note is clear and concise, they never apply the payment to the one loan requested. The money is spread over multiple loans, not only to the loan with the highest interest I am trying to pay down. They ignore that I say to not advance the automatic debit - if I do n't catch it, i could have a loan with potentially months of time passing without payments being made automatically. This happened with XXXX and navient.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

I was not clearly explained the interest and the details on the forbearance. I was given bad information about my loan repayment and was told that it could not be consolidated and that the interest rates would continue and that i did not have to make any payments. I was not told correct information about my loan.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

Ocwen Loan Servicing raised additional questions! 
Ocwen Loan Servicing responded to our previous complaint in writing dated XXXX XXXX XXXX. The facts are ; Ocwen Loan Servicing mishandled our account, failed to report accurately to all the credit bureaus per documentation. Ocwen stated in paragraph XXXX, " as previously advised to you, when a dispute is received regarding an account from a regulatory agency such as the CFPB, Ocwen is required to cease credit reporting for the duration of the review. As there were open disputes regarding the above referenced account in the month of XXXX XXXX, no payment history was reported ''. 
Per federal law, Fair Credit Reporting Act 15 USC 1681 and Nevada law, XXXX XXXX, all companies reporting to credit bureaus must report accurately. When companies report to the credit bureaus, " no payment history reported '' this violates federal and state laws! Also, no where within these laws does it state that the creditor ( Ocwen ) must cease credit reporting for the duration of the review. Per, E-regulations 12 CFR part 1002 does not state either that the creditor must cease credit reporting for the duration of the review. I believe that this is Ocwen Loan Servicing policy which does not supersede federal and state laws! By Ocwen Failing to report accurately, Ocwen caused us to be turned down for an auto loan approximately two years ago. This has been an ongoing issue with Ocwen Loan Servicing! " Please review the other credit reporting complaints filed against Ocwen with the CFPB ''! 
Also, I requested Ocwen not to allow XXXX XXXX from the Ombudsman office to respond to my inquiries now or in the future due to her failing to provide the information that we were seeking. As you can see, Ocwen Ombudsman office failed to comply with our requests. 
Please provide the following question below in writing! 
First, we request to know if Ocwen Loan Servicing has this policy to cease credit reporting for the duration of the review? 
Second, if not, please provide the state or federal law that requires companies to cease credit reporting during an investigation from a regulatory agency! 
If Ocwen Loan Servicing fails to comply with our requests, Ocwen must be held accountable for their actions including but not limited to the following ; an investigation from federal and state agencies, media complaints, social media complaints, court order, fines being imposed, loss of business license, criminal charges filed, lawsuit, damages, compensation!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I went to XXXX in XXXX XXXX. XXXX location to be exact. After the for profit school manipulated me on getting a XXXX XXXX degree and promised employment soon after graduation. I shortly realized it was a lie. Now I 'm stuck with this huge federal loan, while all of the XXXX closed down due to a lawsuit. Now I 'm trying to plea with navient that my college closed down, and that the degree is useless / not creditable. They did not care at all and forced me to pay Make payment on my loan that has high interest. I need help to resolve this XXXX. I emailed my complaint to XXXXXXXXXXXX for help. Hopefully they can discharge my loan because my degree is worthless and because my for profit college lost a lawsuit.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I currently have a auto loan with credit acceptance since XXXX of 2016. It seem like they use bullying tactics to get their payments. I went to a In my opinion fraudulent scamming auto company to purchase a car in XXXX of 2016. When the told me I was approved they told me it was through credit acceptance. The never explained to my credit acceptance billing rules and regulations. They were instructed by credit acceptance to put an device I. The vehicle so credit acceptance can shut the car down when I payment was not received. During the time I first got the car I was working. Now I have a XXXX that has me on temporarily XXXX and payments comes twice a month which only comes out to $ XXXX monthly. I have called credit acceptance explain to them what 's going on and let them know my situation but they do n't even seem to care about a XXXX person all they want is their payment. Which I understand I do have the vehicle and it must be paid for. But if I 'm explaining what my situation is and is making payments when ever I receive my check they wo n't give me any leave way. There has been a time I was going for medical treatment and missed out on it because credit acceptance activated the device in the car which prevents it from shutting on for XXXX XXXX and some odd dollars that was n't paid. So it seem to me a person facing a life or death situation does n't mean anything to them more than their payments. They need to stop their bullying tactics and try working with their customers. If it was n't for that car being my life line I would just let it go. Like I said XXXX had that crooked car dealership let me know about this I would have never agreed to accept or sign off any loan agreement with credit acceptance
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SINGLETARY & THRASH-JACKSON, P.A. (MS)

My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

In XXXX XXXX, XXXX XXXX, XXXX attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the XXXX. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XXXX XXXX, XXXX, Singletary & Thrash contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XXXX XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a XXXX for over fifteen years, and I am a pretty great XXXX. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.