davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I been working on a short sale with Ocwen since XX/XX/2016 with the same buyer with no closing date in sight. I was hoping this process would be wrapped up in 2-3 months but they have consistently been giving me the run around. Now they want me to give up my HAFA relocation assistance of {$10000.00} which was promised to me and my family. They sent over a fax yesterday to my realtor asking us to remove it off the settlement statement but my family desperately need that money to move. When I ask my realtor to get an explantation yesterday from the bank 's negotiator on why I no longer qualified for the {$10000.00} they said they would find out what happened and this morning but I guess I offended them and they decided to get another attorney who emailed my attorney saying they are denying my short sale all together today. All because I wanted what was promised to me the {$10000.00} relocation assistance. Yesterday my short sale was good to move forward but when I ask why they ask to remove the moving assistance they come back with a denial after 6 months of wasting my time and serving me foreclosure papers in the mean time, this is not a game this is my life. Why does it take Ocwen 6 months to do a short sale with the same buyer and then go back on promises. They have dragged out the short sale since XX/XX/2016 and intentionally made documents expire in order to take my property from what I can see. We been going back in forth every month since XX/XX/2016 trying to get this short sale done for my family and I feel like they are acting as if they can do whatever they want.
Consumer complaint received 2016-09-05
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One offered a settlement to my husband on an outstanding credit card balance on XXXX/XXXX/2016. Offer was accepted verbally and bank acct # given for electronic payment in full immediately. Offer was explained over phone and we were told it was being recorded - with full disclosure of terms. Rep stated offer was good until XXXX/XXXX/2016. 10 days later, called Capital One because we realized payment was never withdrawn from account. Was told payment was not accepted by our bank ( even though other credit cards were paid recently out of same account ). We were not notified of any issue with payment. Now after 1.5 hours on phone ( 3 way call with our bank, waiting on hold etc ) manager XXXX " just realizes '' the account is now going to 'charge off ' and settlement offer is withdrawn. FULL balance ( {$600.00} more ) is due. Capital One now says it is 'Too late ' to pay the settlement amount that we were willing to send by cashier 's check overnight if necessary. We had 4 more days to pay according to their 'Recorded Disclosure Statement '. The letter attached arrived AFTER all this and is dated XXXX XXXX and states DATE DUE : XXXX XXXX.??? These extortion practices are inexcusable. My husband was out of work for most of 2016 and just wanted to settle this debt and start to rebuild his credit. We obtained a loan to pay off the high interest debt. Capital One supposedly has a recorded statement verifying the due date of their agreement which they decided to break so they could extort {$600.00} more from us.
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (IN)

I tried to enter into an income driven repayment plan XXXX separate times and both times Nelnet managed the applications inappropriately. The first time an application was filed on studentloans.gov on XXXX XXXX, 2016. This was a joint IDR application with my husband. Nelnet later claimed they could n't see the application when they were contacted on XXXX XXXX, 2016. During the call on XXXX XXXX, 2016 the collector never mentioned the possibility of an administrative forbearance on the accounts so that they would n't be reported to the credit bureaus.A paper copy of the application was sent to them through the mail on approximately XXXX XXXX, 2016. 
They also claimed they never received that application when they were contacted on XXXX XXXX, 2016. Only after checking my credit report on XXXX XXXX, 2016 and seeing they had reported me as being over 90 days late on my loan payments did I realize they had n't processed the IDR application. When they were contacted on XXXX XXXX, 2016 a collector named XXXX stated that they had never processed the application. He said that if the application was resent it could take them 3-4 weeks to process it through their processing center. When a supervisor ( XXXX ) was spoken to he claimed that they attempted to call me on XXXX XXXX, 2016 but the number came back as disconnected or incorrect so it was removed from the account. The number they tried had just been added onto the account on XXXX XXXX, 2016 when the initial call to Nelnet was made. They claimed it was n't their fault since they had n't been given current information even though they had received that number only 2 days prior to the call. XXXX also claimed that mail had been sent to the address on file sometime in early XXXX and it was returned to them. The address they sent the mail to was valid at the time they sent it and continues to be valid today. 
After removing the good phone number and address from the account XXXX states they then performed a skip trace that provided them with incorrect information for the account. 
XXXX and XXXX both stated that they first reported the accounts to the credit bureaus on XXXX XXXX, 2016. This means if they had actually made contact using the valid information they had been provided this situation would have been able to be remedied at some time before the negative credit reporting. The decrease in XXXX score related to this situation was XXXX points. I have done my due diligence to use the programs that were created to assist those needing help paying student loan debt. Had Nelnet acted more appropriately they would have been able to avoid this entire situation.
Consumer complaint received 2016-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (SC)

When Collection agency first contacted me, I was only told that if I did not pay the debt off, my name would be reported to all XXXX credit bureaus. I was not told I had the right to verify the debt and that by disputing it, I would not have to pay anything until the issue was resolved. I agreed to pay XX/XX/XXXX, but only found out by mail a week later that I could have disputed the debt until I received verification. I then wrote to the Collection agency as did an attorney on my behalf asking them to cease further collection until the dispute was resolved. They still automatically withdrew money from my checking account this month, putting me in a very awkward position financially.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

For the last year or so, I have been unable to access my XXXX score as advertised by American Express. I have been told several times by customer service representatives that this matter would be resolved. However, to date, this matter still has not been resolved, despite being promised otherwise by customer service representatives, customer services managers, and customer service supervisors.
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : Phone : ( XXXX ) XXXX Fax : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Riverwalk Financial Corporation (AR)

A newly opened collections account on my credit report appeared by this company as of last month without my knowledge. I never received anything by mail, telephone or email regarding this. I sent them an email to attempt to get a Validation of Debt Letter sent to me and while searching and investigating the company online, seen they are notorious for not responding to consumer requests on these types of issue 's.
Consumer complaint received 2016-09-06
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (MI)

In XX/XX/XXXX I was in a position where I decided it was a good time and I was stable enough to take out a car on payments. It is my first time making payments on a car. However, I became XXXX and due to some unforeseen circumstances I moved to another state. Homeless and jobless. I found a job about a month after moving to Michigan and quickly realized it was not what the job description had stated it to be. I was getting less then 20 hours during 2 weeks. I was struggling to keep myself above the water financially. XXXX I was fired. The amount I was paying to the leasing company and car insurance did not leave me any remainder to look for a place to live and I have a baby coming shortly. It is not easy looking for a job at 6 months pregnant. However, I quickly after being fired found another job at XXXX. I am currently employed and working around 25-35 hours a week. Still the amount I take home is not enough to pay for the basic living expenses and save for a baby and a car note and full coverage insurance. I am stuck in a bind. I have called the company several times asking for a temporary suspension or if I can return the car and pay the early contract fee or lower my payments for a while or continue without full coverage insurance. On their website it is posted that in their lease program you are not required to have full coverage insurance but I am required. Also when I leased the car the agent told me I had a return any time lease with no expenses. I was also told when I called in that I had the return any time lease. When I called to turn in my car all of a sudden that changed and I no longer have that option. In my copy of my contract it tells me I can return my car any time with no penalties. However, everyone keeps telling me that I have no options, managers and regular employees. If I miss my payment over 30 days they will come and take the car or if I return the car I am still responsible for the remaining balance on the lease. I am trying to pull myself out of a rut and I am trying to do it the right way but I do not make enough money. I do not know what to do. I can not afford a lawyer to help me. I am on my own.
Consumer complaint received 2016-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I 've disputed this information with both Equifax and notified them each time that i am a victim of identity theft and they have refused to block or remove these accounts after I provided all required documentation. I am at the point where I will take them to court if neccessary as well as the creditors for failure to remove this information. I do NOT CARE that these accounts are positive and that they are not hurting my credit file - they do NOT belong to me, I did NOT open them, I did NOT apply for them. In addition, I had requested the actual proof, physical firsthand knowledge that verifies that these belong to me and I did not receive anything. Pursuant to section 609, the credit bureaus MUST have the physical documentation in their files PRIOR to even reporting the accounts which means that they # 1 already have the " proof '' and # 2 section 609 makes available to me all documents in my file for me to review. Section 605B states that these accounts must be blocked and investigated and I can see that none of this has occurred. I also do not see the required notice of dispute on my credit file which means that they are also in violation of section 623. These are the accounts that must be blocked and do NOT belong to me : These are the accounts resulting from identity theft and need to be blocked and then removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

i disputed inquiries with Experian to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Experian several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. I really hope you can do this investigation to help me dispute these inquiries on my report! thanks!
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MN)

I have been enrolled in IBR for 6 years, paying through FedLoan. On XXXX XXXX, XXXX, I submitted a request through XXXX to be considered for Repaye. On XXXX XXXX, XXXX, I received letter from FedLoan, telling me to recertify my income, and to submit recertification info by XXXX XXXX, XXXX. If I did not recertify, my payment would be switched to standard repayment. On XXXX XXXX, XXXX, I requested an update from FedLoan on my request for new payment plan. I was told, via email, FedLoan had received my request, and that it may take 60 days. On XXXX XXXX, XXXX, I called FedLoan and asked for update. I was told they were " sorry, '' but because I recertified for IBR subsequent to my request for new payment plan, my initial request for new payment plan was ignored. If I want to be considered for new payment plan, I have to start the process over. I have been waiting for approximately 4 months for an answer to my request. No one contacted me about my initial request and the fact that it has been ignored. Additionally, the information I have received from FedLoan has been misleading and untruthful. Finally, no where is there information that I could not apply for a different plan, just because I also needed to recertify my income. 
The email from FedLoan ( my initial question is below the response ) : Thank you for contacting FedLoan Servicing! We received your request for an Income- Driven Repayment ( IDR ) plan on XXXX XXXX, XXXX. Once your request is processed, we will send you a notice with the results. 
If your request is approved, it may take approximately 1-2 billing cycles for your new repayment plan to take effect. You will need to continue to make your regular monthly payments until you receive your first bill with a new payment amount. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX, wrote : Account : First Name : Last Name : Date of Birth : I have contacted the XXXX. My request for change of repayment plans has been " closed, '' and was been forwarded to you some time ago. What is the status?
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

XX/XX/2016 I inadvertently had my online bill pay system with XXXX XXXX make two mortgage payments. As soon as I discovered the mistake on my part I contacted my bank about it. They immediately contacted your company and got nothing but being put off and frustrated by incompetent employees without a clue of what they were doing. 

It is not three and a half months since we have requested the return of the overpayment and to date your company has absolutely refused to do the right thing. 

We have been told more than once that a manger had approved the return of the duplicte payment and yet your company has steadfastly refused to mail a check to me. Why is that? 

I respectfully demand an immediate return of the duplicated payment. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # # XXXX
Consumer complaint received 2016-12-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (GA)

I was called at XXXX by a rep there. I told her I would be calling in at XXXX to make payment because I was driving at the time. She says ok.. I got another call at XXXX from a different rep and I explained to her this morning about a call she said there we no notes. 2 minutes later my phone rang again and it was jareds
Consumer complaint received 2016-09-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Admin Recovery, LLC (NY)

i had made a payment XXXX and then they wrote me off i was up today with my payments but they still wrote me off and now tis company ADMIN RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY reported me to the credit report now my credit is bad
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AE)

I was provided an offer to earn XXXX bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. 

I confirmed I was enrolled and qualified for this offer on XXXX separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.
Consumer complaint received 2016-12-21
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

I have a Wells Fargo mortgage as well as a couple other Wells Fargo accounts. I had set up the mortgage to Auto-deduct from a checking account, but was going to close that account. I deleted the auto-deduct, but apparently it did n't delete and they charged me a {$25.00} fee for insufficient funds. They refuse to remove this fee even though it was their error. The mortgage was paid ( from another Wells Fargo accout ) on time.
Consumer complaint received 2016-04-12
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Autovest, L.L.C. (WA)

In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.
Consumer complaint received 2016-07-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I pay my mortgage payments with Bank of America ( BoA ) on the XXXX of the month online. ( It takes up to 7 days for it to clear the bank which by the way it is from a BoA checking account ) Unfortunatelly starting on the XXXX of the month, the XXXX harassing phone calls a day will start wanting to know why I have not paid the mortgage. This never ends until the payment has cleared. Is this really necessary? Do they not look into the BoA account and see that there is a confirmation on file with a payment scheduled for clearing before starting the calls? Now the kicker of the most troubling part is that they have now started to call my dad who is my emergency contact asking him to contact me to make payments that technically has already been made. Not only is this annoying, but also disrespectful because I have been a loyal client of the bank for over 20 years. If it was not because I have multiple accounts with them, I would close all my accounts and stick with my credit union.