davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MN)

I purchased my house in XX/XX/XXXX for {$110000.00} with adown payment of {$9000.00} My mortgage was sold several times, namely to Litton loan and XXXX. I haave never obtained a modification of {$190000.00}. The documents are a forgery. The dates are from various years. There 's a notary from Texas, I have never been in texas. I never obtained the loan. Litton loan and XXXX are both out of business for frogeing ddoucments that are false. Creating false documentation. The documents havvarious red flags, there is no legal document that can have a variety of signatures from numeryears. I have ben dealing with this for years, trying to get this resolved. I 'm asking gor help to get this debt removed from my credit and my responsibilities. I did not create this debt there is no other documentations from Litton loan and XXXX indicating any of files or conection just a bogus modification. That I did not get. I did not sign for a modification.I could not have signt for a notary from Texas, you HAVE to be in Texas in order to receive a notaryized document. I have never been in Texas please review the proof that this is a bogus debt and something should be done about this to stop this from happening, It makes no sense to obtain a loan on a house that was originally $ XXXX why would I get in to anything that is doubling the cost that I paid. I have paid the amount that I have been behind with the exception of XX/XX/XXXX balance that was most I have ever been behind. There has got to bes something that can be done.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MNE Services, Inc (PA)

I have received nonstop harassing phone calls at my work from XXXX claiming that I had an outstanding loan from 2012 from the company US FASTCASH . They have called my place of business repeatedly causing issues with the switchboard ( I work in a XXXX ). I have also received calls from my manager asking me to take care of this. The individual that calls has a very thick XXXX accent and will not give me any further information other than I owe money from 2012. He told me that I could pay back the loan plus another {$330.00} ( for a total of {$630.00} ) via XXXX gift cards. He has threatened me repeatedly, telling me that he will contact my manager at work and " I will lose my job, I will lose everything. '' I requested more information about this alledged loan, and he will not cooperate. He has threatened to continuously call my work. I also received an affidavit via email after I told this person that I did not know what he was talking about. It stated that I am being sued. There is an address on it from Oklahoma, however when he calls, it is from a Florida phone number. When I looked up the phone number, it was a cell phone. I told him I was not paying him any money until he sent me more information about this alleged debt. 

The address on the affidavit is : XXXX XXXX XXXX XXXX, XXXX OK XXXX, from a person called XXXX XXXX from US FASTCASH. Though he said he was with XXXX XXXX. The telephone number he calls from is XXXX. I tried to reach someone from US FASTCASH but could not find a legitimate contact number.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage reported me late on my mortgage when I paid it on time. I paid it near the end of the month but not over 30 days late like it is now reporting on my credit report. This really harms me because I am going through a refinance with another lender and they are helping me save money on my payments. I feel like Freedom is doing this so that I have to stay with them as my servicer. The company that is helping me with my refinance and I have been in contact with Freedom at least over a month with no response.. we keep on getting the run around. My credit score due to this has dropped from XXXX+ to below XXXX which is ruining my credit.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MD)

I have a direct consolidation loan serviced by Navient. When I consolidated in 2013, I elected the income based repayment plan ( IBR ) and have complied with the loan terms and annual recertification requirements. When the subsidized portion of my loan became ineligible for interest subsidy after 3 years, Navient failed to notify me. I expect my student loan servicer to work with and not against me, and to keep me abreast of upcoming changes or deadlines that affect repayment. Luckily, with all of the recent scrutiny Navient has received, I logged into my account to review my loans and saw the accrued interest that I had become responsible for some months earlier. Navient 's failure to alert me to significant changes to my account speaks only to Navient 's blatant disregard for its stated purpose and usefulness as a loan servicer helping people with their financial goals. 

Magazine subscribers, for instance, are reminded months in advance that their subscription will be ending soon so that they can act accordingly ; why would n't my student loan servicer offer me the same level of courtesy and support for my larger sum financial expenditure as my magazine subscription company does for an expenditure much smaller?
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I opened a credit card ( ending in XXXX ) with Penfed Credit Union on XX/XX/XXXX, I was using this card for over two years without any problem. All of sudden, they closed my card without a notice until my transaction got declined when I was trying to pay at a gas station with this card a few days ago. Then I logged onto my account, the card disappeared on the page. I also check my credit report, it shows that the card XX/XX/XXXX. I contacted their customer service to reopen the card, they did not give me any explanation and said they can not reopen a closed card, I can only go to apply a new card, then I submit an application, it got denied. I have never requested to close the card. And this is the SECOND time that they closed my account without notice!
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (NY)

I was being charged random fees and charges every single month whether or not the loan was paid " on time '' or not. My principal balance was NEVER touched and anything I made paymentwise was for their " fees or charges. '' On top of that my loan balance is now {$1800.00} HIGHER than the loan amount I originally took out!! I 've reached out to the executive office with no help whatsoever and advised that theyre unaware of how the charges and fees were added but that they 're accurate including my balance which is an outright lie. They 've also reported numerous inaccuracies to all XXXX credit bureaus and refuse to properly investigate and told me " we just send it back verified because our systems are never wrong and it 's a waste of our time and resources to personally investigate every credit bureau request '', which is so beyond illegal! They basically stated nothing could or would be done and too bad for me.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (OH)

The account number I have available is XXXX. I expect it to be deleted from all three bureaus immediately. I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. When i paid XXXX, I was advised it would be deleted from my credit reports upon receiving full payment. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. Stellar Recovery makes false statements, regarding the account. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed these accounts a few times already asking for validation and Transunion has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Transunion needs to remove these accounts. I have attached file with CIRCLED payment history errors. They go reporting " 0k '' status for a few months then they go late 90,120, 120, 120,120,120,120 ( How can it be 120days late for 7 months straight ) it Then goes to " X '' ( Unknown is NOT proper reporting ) to " Ok '' status then again same late Cycle again. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I signed up for a Bank of America consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a " targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am filing this complaint on behalf of my father. My dad passed away XX/XX/XXXX and had a mortgage with Bank of America. I became the representative to his estate XX/XX/XXXX. Since this time I have continually tried contacting the mortgage department to get information on my fathers mortgage. I have had to fax my legal documents to the mortgage department twice because they claim they never received them. While going through my fathers paperwork I came across a confirmation letter showing that he accepted the " Borrowers Protection Plan ''. So finally on Tuesday, XX/XX/XXXX someone from the mortgage department was able to give me information. This women informed me that the loan was in " foreclosure process ''. I explained that my father had this protection, so I got transferred to another department. I spoke to a women in the " Options Department '' who explained to me that yes in fact my father did have the coverage. However, XX/XX/XXXX the " bank made a strategic move and canceled it ''. I could n't believe it .... I asked her if any other coverage was offered to him and she said, " no we no longer offer it ''. I then asked her about the money my father already paid into the coverage and she explained that there was no cash value. I then said to her, " you take his money and then take the coverage out from under him and offer him nothing else '', she stayed quiet. I was then transferred to the " Foreclosure Department ''. Now I have to send {$3400.00} to reinstate his mortgage and stop the foreclosure process.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I have a checking account with Chase Bank. I selected to not have over draft protection but instead if the funds are not in the account they are not to pay but to deny charges. On XXXX/XXXX/2017 charges from XXXX were presented for XXXX and XXXX ; Chase Bank paid these charges and then charged me XXXX NSF fee, after being instructed to never pay anything if the funds were not in the account. They are stating that the fee is a reocurring fee, even though I am only charged by XXXX when I purchase items and it is not reocurring. They credited back the NSF charge and the service charge but have not taken the XXXX and XXXX charges off my account and charged the merchant back. I am very upset over my instructions on my account were not followed and feel if they have done this to me, there are surely others which is adding up to a lot of consumers being ripped off.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC (TX)

CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us 2 weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently paid down XXXX of my credit cards to reduce my utilization. Transunion has not updated any of the accounts. I checked with the creditors who are advising that they send the information over to all of the bureaus. Transunion has also allowed a collection company GC services to update a collection account XXXX times within two weeks. The update now includes an incorrect amount. These are strategy 's by Transunion to keep my score low. I also disputed a tax collection account in the amount of {$80.00} the investigation was due to be completed XXXX XXXX 2017. When i logged in the check the status of the investigation I discovered that the dipute was no longer active. I had to start a new dispute on the item. The item has been paid and was the mortgage companys responsibility. The actions of Transunion has caused me financial harm.
Consumer complaint received 2017-01-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

We have an auto loan and mortgage with Chase Bank. We got a home equity loan through our bank, XXXX XXXX. XXXX XXXX sent the auto loan payoff check for {$13000.00} which was received by Chase on XXXX/XXXX/2016. The check was made out to Chase Auto and included the auto loan account number. We waited about a month and when our loan was n't paid, we contacted XXXX to find out where our payment was. That 's when we discovered the check was posted to our mortgage loan, {$2400.00} to our monthly payment and {$11000.00} to the principle. The check processor hand wrote the mortgage account number on the check. We then called on Thur XXXX to have the payment transferred from mortgage to auto loan. During the call, we got disconnected. After calling back on Fri XXXX, they told us it would be transferred within 2 business days. We waited 4 business days and called back on Thur XXXX when it had n't transferred. They then told us they would correct the issue while we were on the phone. Today we called on Sat XXXX and they told us it would take until XXXX XXXX to have the payment applied to the auto loan but has already been removed from the mortgage account as a misapplied payment. Of course, this also means we have to continue making monthly payments until they resolve this issue and get the money transferred.
Consumer complaint received 2016-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was not notified by the lender of the intent to foreclosure. I was not notified that there was a scheduled sale date. I was not notified of any alternatives to avoid foreclosure. I am currently in review for a loan modification as well as review through XXXX Georgia. My case manager assigned to my case did not inform me of the sale date. I learned of the sale date by being flooded with advertisements which indicated the sale date. I contacted the lender and the representative confirmed that there was a sale date and when I asked why I was not notified the representative stated that I was sent a notice back XX/XX/XXXX. However my loan was modified and bought current XX/XX/XXXX.Should n't I have received a new notification as well as other options available? Now they are refusing to postpone the sale date.
Consumer complaint received 2017-01-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Because Bank of America has dual tracked I am facing the possibility of being sued under a claim of right to title and, therefore, the right of ownership and possession. Just to be clear, any resulting dispute based on Bank of America and XXXX, the Trustee at the time of sale, choices to begin foreclosure and property separation processes is not a matter of eviction or tenant/landlord issues as it is an ownership and right to foreclose issues of law. 

Currently, there is no pending litigation or other disputes before a California Court challenging my adverse possession and time barred debt claims, or any other claim or concern set forth within the XXXX CFPB complaints related to the loss mitigation process or the 2007 Deed of Trust and my home loan mortgage account in general and the XXXX HAMP modification and process in specific. 

All previously mentioned resolutions are desired and mandatory and are to include, but not limited to, all associated housing and storage expenses and costs for all periods for which residentcy, possession, and occupantcy has been disrupted or otherwise prevented on and within the subject property.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (CA)

I was a client of XXXX and they recently filed bankruptcy and sold my line of credit to SST. I am very skeptical about SST as they cant fully verify my information, their email addresses dont match, their website doesnt match, etc. everything about them screams scam. I dont feel comfortable providing bank information nor any of my personal information to this company until I am shown proof of their legality. In a world where we have to be cautious with our information. I do not want to provide any financial information to a company that are not consistent nor provide additional information in regards to the company as well as my supposedly owed debt.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

Navient, formerly XXXX XXXX, has made it extremely hard for me to pay down my debt. I have been paying on my loan since 2009 and have not felt it go down. Although, I know that I did use my forbearance, they never offered any alternative plans for me. I tried so many things, consolidation with local banks, with other loan servicers and even tried to see if I could get lower payments with them and they not once were able to help me. The reason I do not qualify for their assistance plan is because I do not make enough for them to lower my payment, even though I can not afford their payment at all! I do have other federal student loans in the amount of $ XXXX and the amount with Navient is $ XXXX. I started with $ XXXX and my parents were able ( at the time ) to help me. Now that their status have changed, they are not able to help me and because I do not qualify for anything else, I can not remove them from my loan. So not only does it affect me, it also affects my parents. I make approximately $ XXXX a year combined with my husband and they will not and can not work with me. I feel that they need to be able to grant some kind of leeway or payment options for this. It is very unfortunate that at the time of the loan they say that they will work with you and once you have obtained it, they will not. I still can not afford it, and because of their harrassing calls, every other month I have to decide whether or not I am making my Navient payment or my utilities. It is quite saddening.
Consumer complaint received 2016-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OH)

HELOC monthly loan payment adjusted from {$130.00} to {$440.00} in XXXX 2016. We were experiencing excessive obligations/household expenses prior to the payment increase which caused delinquency, but the SLS payment increase made the situation even worse. I submitted an assistance package to SLS explaining the situation including supporting documentation. After it appeared the modification request was in process additional documentation was requested and provided ( same day ). Over a two week period I attempted to reach my single point of contact on at least XXXX occasions with the only option being to request a callback. Once I spoke with the contact ( XXXX-5 times ) it was unclear what was still required. It only stated " Hardship Verification '' and my single point of contact had no idea what was needed. She was never able to advise or follow up to let me know what the underwriters were looking for. I called today ( XXXX ) and was able to access another SLS employee ( first time I was ever able to reach a human when calling ). Was on hold for XXXX30 minutes while she tried to confirm. Finally she advised the increased HELOC payment was not sufficient to justify a modification or other form of assistance. I offered to send in billing statements of all my other obligations to show/prove the excessive obligations but the SLS employee advised " that wo n't work because your already said the increased SLS payment was the hardship & per your loan agreement the payment adjustment itself is not a hardship. '' It is becoming painfully obvious SLS is a predatory lender who has no intention of providing assistance, including loan modification, for a distressed consumer. I am going to submit billing statements of my current obligations as a last ditch attempt to beg for a modification. We are currently XXXX60 days past due and approaching foreclosure status ( at 60 days they have typically sent a foreclosure threat letter ). We feel that if the payments were closer to the original amount, or even slightly higher, we could regain our financial footing. Please help.