davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

I 've tried several time to renegotiate the terms and conditions of my payment plan to LOWER my monthly payments based on my income. The offers that the company has extended would offer be well out of my budget based on other financial and medical obligations over the years, forcing me to place my loan into Forbarance/Derferment all the while it increasing the total of the loan because of the interest that builds. As an XXXX I 've been told about forgiveness programs that I 've applied for only to been denied. I 've tried everything that I can and would like assistance with this matter because I feel like my case has been wrongly handled according to the federal law that was passed back in XX/XX/2009. 

Thank you for your time and this opportunity to review my case
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I have been dealing with Ocwen for year and a half to get them to fulfill their obligation to provide me with the pay off loan documents after I paid off my mortgage in XX/XX/2015. 
During all this time, they have been claiming that they did n't need to file a XXXX. Finally they did ; however, they have failed to provide me with the original pay off documents as follows : * Pay off letter dully executed in Ocwen 's letter head * Original lien release ( XXXX ) they filed with the county * Executed Proprietary lease ( they need to tell XXXX XXXX that the loan has been paid off and therefore, they only need XXXX proprietary lease not XXXX. Should Ocwen insist on getting XXXX, Ocwen needs to fully explain why they need XXXX copies. No other proprietary lease will be provided without me receiving the original signed copy I forward to XXXX XXXX ) * Original Stock certificate * Original security agreement ( XXXX XXXX obtained an assignment without me knowing about it. My mortgage has been fully satisfied, they need to release such note ) * Original letter of satisfaction. 

I want to understand why is OCWEN purposely delaying the issuance of such documents and why is n't this institution placed on warning by the CFPB. 

Ocwen will be made responsible of all the financial costs their incompetency and unprofessionalism is costing me.
Consumer complaint received 2016-04-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I just looked up my credit report and was shocked to see that Portfolio Recovery still had a collection on my account that is not my debt. Portfolio Recovery called me XX/XX/XXXX and told me that I have an old balance on a credit card that was with XXXX XXXX for {$250.00} for the year XX/XX/XXXX. I asked them to provide me the information on the outstanding balance in writing and they have never done so as of this date XXXX/XXXX/XXXX. They indicated to me that they buy bad debt and then collect it. I have not checked my credit report until today XXXX/XXXX/XXXX and I found that they have put a collection on my credit report and that it has affected my credit score in a negative way. I have had an outstanding credit score for over 30 years and I would like to report a fraud. I can prove that this debt is not mine because the XXXX XXXX Account that they are referring to was paid in full XXXX/XXXX/XXXX. Portfolio Recovery said they bought this bad debt from XXXX and they are collecting on it. I always pay my credit cards off and on time. This debt is not mine and I want Portfolio Recovery to reinstate my credit score immediately and write me a letter pertaining to this matter as it is affecting me in my purchase of a new home. This debt is not mine and I can prove it. I know and understand why companies try to get you to pay a debt that is not yours because it is under {$500.00}. This is wrong in so many ways and I want to report Portfolio Recover to the consumers so this scheme does not happen again. Thanks!
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

To Whom It May Concern XX/XX/XXXX Dear Sir/Ma'am, I have been trying with no success in endeavoring to obtain a loan modification since XX/XX/XXXX. I am in the XXXX ( I am a XXXX ) and thus, am very knowledgeable on what a successful loan modification submission should entail. That said I have now definitively learned that no matter what my financial where wherewithal is ( and it is very, very solid currently- I can easily make my full payments even if no modification is offered ) I now learn that OCWEN , through their investor, XXXX XXXX `` does not have the contractual authority to modify ( my ) loan because of limitations in our servicing agreement. '' It is worth noting that such disclosure relative to XXXX XXXX 's lack of loan modification participation was not disclosed to me prior my purchase XX/XX/XXXX, a clear RESPA violation XXXX nor was this non-participation disclosed to me during the over XXXX loan modification submissions I have submitted since XX/XX/XXXX. It is also worth noting that XXXX XXXX has retained this loan since the time of inception- it was not sold to any other third party nor has it been serviced by any other lender than XXXX XXXX XXXX XXXX . In addition I 've tried everything to get this mortgage company to help me keep my home. which they informed me they are retaining, and also that they are moving forward with the foreclosure sale. 
They humiliated me and compelled me to reveal all of my financial dealings, knowing full well that at the end of the day, what I was seeking was impossible. So they take my money, they take the Obama money, and bulldoze my rights. If it was impossible for me to EVER obtain a loan modification, why act like it was feasible. It is and was cruel on their part, time consuming, and conduct one would not tolerate from a XXXX year old, much less a fortune XXXX firm. 
Sincerely, XXXX
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted multiple request to Trans Union to remove several inquires on my credit report which were not mine. At first they refused saying it was my responsibility. I then showed them Federal Law sating it was their. They never responded. I then filed a complaint with the FCPB, and they removed one inquire but not the others, and provided not explanation why they did not. The ONLY credit I have applied for was XXXX XXXX through XXXX XXXX. There are other inquires such as XXXX XXXX which is not mine. I have not applied for a student loan in decades. I continue to get notices that an inquiry has appeared on my credit report. I have said I suspect fraud. TransUnion has ignored it. Please remove ALL inquires from my credit report except the XXXX XXXX/XXXX/XXXX or provide documentation that I authorized them. TransUnion File Number XXXX date of issue XXXX/XXXX/XXXX
Consumer complaint received 2016-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Resource Systems, Inc (NC)

In XXXX I received an XXXX credit report, through a paid credit monitoring account I have with them, showing a debt in collection through United Resources Systems, XXXX XXXX XXXX XXXX, XXXX, CO. I disputed the debt and the collector could n't verify it was owed so it was removed. In XXXX XXXX I ordered my XXXX annual bureau reports and found XXXX and XXXX also had the collection listed by them so I filed disputes with them around XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX reported the creditor could n't verify debt owed and it was removed from my report. XXXX XXXX, XXXX XXXX reported that the collector had in fact verified that I was responsible for the debt and the collection would remain on their credit report for me. XXXX also said they could n't furnish me any documents from the dispute and they did not investigate but went by what the collector supplied to them. I was told to contact the collector for documents when I asked how could a collector not be able to verify a debt with XXXX bureaus but was able to verify with XXXX. I contacted the collection agency after receiving those documents to tell it the information sent from the company they were representing, XXXX XXXX, was false. The company is a former employer that is trying to represent travel expenses as a personal loan to me. I sent the collector copies of receipts beginning with a rental car receipt from XXXX XXXX, XXXX, paid for by XXXX XXXX to XXXX XXXX, XXXX. I included taxi, hotel and fuel receipts showing what I was reimbursed for and my bank statements showing the sums being deposited to my account. The former employer is claiming the final receipts I submitted on XXXX XXXX, XXXX were a loan instead of travel expenses as retaliation for choosing to end my employment that day because after spending over 20 days in FL hotels after they sent me to get a vehicle from a shop, and it ended right back in the shop the next day in a hotel they paid for in XXXX FL for about 3 days, and then the day after it left that shop it ended up in another shop in the XXXX FL area, leaving me in another hotel for until XXXX XXXX.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Express Recovery Services, Inc. (UT)

Express Recovery is attempting to collect an erroneous debt from me & a new business I have that was not even in existence when this debt was incurred. My new XXXX XXXX XXXX XXXX XXXX has n't done any work/business yet nor do I even have a business licence. I opened this business a month ago and they are claiming I owe something from 2015!. It is absolutely erroneous and they are rude when I call and tell me it is being forwarded to their attorney for collection.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I sent {$900.00} on XX/XX/2021 to my brother on PayPal to be used for a XXXX gift. The transaction has been in pending status for XXXX and a half weeks. My brother and I have reached out to PayPal several times. 

When I try to reach out via the customer service online messaging system, all I get is a generic answer saying some transactions take longer to review. I never get a timeline, never get an explanation what they are even actually reviewing. 

Finally after reaching out via the in app messaging system for 2 weeks they gave us an email address, XXXX, and said that we could get the status by emailing them there. I sent a total of 3 separate emails and did not even get a response I have tried calling the customer service line and it is only an automated voice messaging system. It asks what youre calling about and then loops you in circles when you answer. I could not get a human on the phone In summary I have tried messaging, emailing, and calling PayPal, but have not been given a timeline or explanation for why my money is still pending. They have been essentially frozen my money during the holiday period for XXXX weeks and will not even give me an explanation or timeline for when it will be available
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WA)

I have my student loan through Great Lakes. I pay my normal monthly payment via Auto Pay on the XXXX of each month, which is the due date. I supposedly receive .XXXX % off of my interest for being enrolled in Auto Pay. I also make additional payments of between $ XXXX {$200.00} at the end of each month via the website. There is a feature that allows me to allocate which loan I want the extra payment to go to. Of course, I always choose it to be XXXX % allocated to the loan with both the highest balance and highest interest rate. I recently discovered that it has never actually been allocated that way, contrary to what I believed. 

I sent in XXXX emails over the last week inquiring about this, and when I finally heard back all I received was a FAQ answer about how extra payments are applied ( which I already knew, and which was not being applied as it said it was supposed to be ). I called and spoke to someone for XXXX minutes today. He explained to me that my Auto Pay is set up to make payments on the XXXX of the month, which is my due date. Thus, the extra payments I make at the end of the month are not considered to be extra, but instead considered to be my normal payment. As such, they can not be allocated to specific loans. 

The gentleman then went on to tell me that I will have to change the date of my Auto Pay via the website ( he said he was not able to help me with that over the phone ) to be earlier in the pay cycle so that my extra payments could actually be considered extra payments. I went online to change it, and the website states it only allows Auto Payments to be processed on the due date and not any earlier. 

Now I 'm stuck between paying all of this extra money every month just to have it only go towards the interest on XXXX different loans, or canceling my Auto Pay and having my interest rates bumped up. I believe this is totally and completely unethical, and I think this company should be investigated for fraudulent and unethical business practices. They make it absolutely impossible to make any headway with getting these loans paid off! I pay almost {$400.00} per month, and the outstanding balance only decreases about $ XXXX {$40.00} every month! Help!!!
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (TX)

I have tried for several days to contact the department Synchrony directed me to in order to cancel the " Card Security Program '' on my card, at two different numbers. Every time I call, I get a recording that due to circumstances beyond their control, my call can not be taken at this time. There is an automated cancellation system also, that does not work. I have tried to cancel through customer services and I am told no one can help me.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (MA)

( This is what I sent to Target on XX/XX/2016 ) To Whom It May Concern : I am writing to correct a negative " Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account. 
I just spoke with XXXX at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. XXXX and I discovered that an incorrect address was inputted by the Target employee where we applied for the store card and all account mailings were returned to Target as undeliverable. The target employee never asked me if the address was correct and never took my email address when I applied for the card. My correct cell phone was on the account but was never called. I never received a single correspondence or phone call regarding this store card. 
I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my XXXX application. Thank you. 
( The amount we placed on the card was around {$170.00}. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )
Consumer complaint received 2021-02-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX  XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Kia Motor Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Kia Motor Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX  Cc : XXXX XXXX XXXX
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CO)

To Whom It May Concern, This letter is to inform of misconduct and poor business practice on the part of our mortgage company, Caliber Home Loans. 
Three years ago, new to the area, we chose Caliber as our mortgage company on the advice of our realtor. At the time they had an office locally where we could have any questions resolved without incident. Our checks were due on the first of the month but not considered late until the XXXX of the month. In XXXX 2016, we received word that Caliber Home Loans was incorporated and we were to hence forth send our checks to XXXX Texas. The local office was closed. 
On XXXX, XXXX 2016, I received a call from a representative of Caliber stating my check had not arrived. 
While on the phone line I reviewed my internet checking and discovered the check had indeed arrived at the post office in XXXX on XX/XX/XXXX. 
The man assured me they had not received it and ask me to stop payment on the check and wire their payment. 
I drove straight to XXXX XXXX XXXX XXXX XXXX ( FCU ) and requested a stop payment on my check. 
While in line at the FCU to wire the funds I checked my Caliber account on my phone and lo and behold the check had been received. 
I immediately returned to the bank officer and cancelled the stop payment and returned home and called Caliber to inquire about the payment. They confirmed receiving the check. 
Two days later Caliber called back and stated they had not received my check. 
I explained in detail what had occurred and they at first suggested the check had insufficient funds and then after heated discussion suggested the check was a " stop payment. '' I contacted my XXXX and they assured me no one had ever attempted to deposit my check. 
I again contacted Caliber demanding to speak to a manager and expressed concerns about the company 's accounting practices endangering our credit rating. 
She was very rude, offering to email me a link to XXXX. I suggested that perhaps she needed the credit counseling. 
She finally informed me that even though they had never submitted the check for payment it had ( inadvertently I assume ) been stamped " stop payment '' and they would require another check and assured me my original check would be returned to me ( it never was ). 
She also assured me the incident would not be reflected on our credit. 
I complied and sent another check for my XX/XX/XXXX payment and the next day sent our XX/XX/XXXX payment early to avoid repeat confusion. 
Last week we received word from a credit agency that our credit rating ( both in the XXXX 's ) was compromised by a complaint from Caliber Home Loans. 

I urge you to investigate Caliber 's business practice and chastise them for their wanton disregard of their customers and insist on having our credit rating restored to its former state. 
Yours Respectfully, XXXX XXXX