davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Ocwen loan # XXXX it was Modified on XX/XX/XXXX that time ocwen calculate the Amount monthly as there break Down pricipal, Interst, Insurance, real Estate StateTax and I was paying timly and in the mean time ocwen advised me if i provide Hazards Insurance then premium will reduce and I did that, But from time after 3 month they made little reduced which is i decided that is not helpfull the way ocwen provide me information. 
then XX/XX/XXXX-XX/XX/XXXX ocwen provided me statement with eveything my monthly premium {$2100.00} which is we paying continued. 
in the end of XX/XX/XXXX ocwen send letter that from XX/XX/XXXX Monthly premium will be {$2400.00} I called and asked ocwen why too high raise I need to see reason, on XX/XX/XXXX ocwen send me statment that they missed by reveiw XX/XX/XXXX - XX/XX/XXXX Insurance is not Found on there end. 
I asked how they have done the Modification Grand total. amd from there i was shocked and Doubt that they are not fair. 
again i called and asked ocwen and they ocwen provide me information is not match as previously ocwen given. 
I told them if the issue will not resolved before the XX/XX/XXXX or XX/XX/XXXX I will not making any more payment, and conversation in there recorded. 
this point I dont know how to solve this and i think since year XX/XX/XXXX I paid mortgage still my principale never coming down and going up this issue is effect my family 's Bread and foods. 
I need help, and stop ocwen to taking this kind advantage on me. 
I am not healthy person I am not not Young I am XXXX year old and I am Disable person I could not take anymore streess as they ocwen giving me. 
Today again I called and they ocwen informed me my loan is tranferred to XXXX i dont know what is this. 

Please see the letter ocwen sended to me on Dated XX/XX/XXXX and letter dated, XX/XX/XXXX is not match and phone explanation is Error. 
Thank XXXX and XXXX XXXX XXXX email XXXX Note I haved sended so many requesting to resolve and satisfy my morthahe issue I am Tiered.
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Renton Collections Inc. (WA)

The only time I knew Renton Collections had a debt out for me is when I seen it on my report. I was never contacted by them. I called the original creditor XXXX XXXX XXXX almost 2 years ago to find out this was a ER trip my daughter had. This trip was covered by her then and now XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I was charged and billed by mistake and shouldnt have been and it was admitted by them at XXXX XXXX XXXX. They stated that it was put in their system a while ago to remove it from my credit report but I told her then it was still there. Now today it has yet to be removed as well. It is bringing down my credit score tremendously.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

A fraudulent charge appeared on my Citi Mastercard from XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/2018. My daughter made a MUCH smaller valid charge, and then someone at the salon ran a second, unauthorized charge on the card for {$23000.00}. Despite the ridiculous amount of the charge, Citibank never Calle to verify that this was a valid charge ( although I have previously received calls of that nature for smaller transactions ). Despite my maintaining from the outset that the charge was fraudulent, Citi has never treated it as a fraud matter, but rather as a merchant dispute. When the valid charge was made, they brought my daughter a tablet to sign for the charge, but did not return her card to her for some length of time. During this time is clearly when they ran the ridiculous, unauthorized charge. The e-signature for this second charge does not match my daughters signature, but looks like a poor attempt at forgery. Citi has done nothing to protect me as a cardholder.
Consumer complaint received 2019-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC (TN)

I have a installment loan with this company and am struggling to make the payments so was working with there financial dept, the agreement was XXXX a payday and I missed a payment by accident, and they unauthorized a charge on my debit card for XXXX with out notifying me and kicked me out of the program. I cant afford to have this much money just removed from my bank account. And the agreement was XXXX and no interest. I have disputed this charge thought my bank but it could take up to 90 days for a approval tried to speak with someone at main branch of advanced financial but they refused to refund the money. This is a unscrupulous company once they get your info they charge what they want. And I have been under a debit management company which they refuse to corporate with. They have poor business tactics. And I just want my money returned asap I had just got paid and was going to take care of my payment but they cut me off before I had a chance.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Recieved a letter I'm mail on XX/XX/XXXX about a card I never applied for through Kohl's.I have an unauthorized inquiry on my XXXX credit report.i have asked kohls to remove this inquiry to no avail. The last 4 of my social are XXXX
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX? XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX  : XXXX.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX - 1. Called credit to pay collection, XXXX XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX  XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.
Consumer complaint received 2019-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/2019, I used my XXXX XXXX XXXX XXXX debit card and made an online payment to PayPal for {$800.00}. 
The {$800.00} was deducted from my bank, XXXX, on XX/XX/XXXX but it was never found by PayPal. 

I have contacted PayPal and my bank numerous times to resolve this issue. First, PayPal said I needed to have a letter from my bank highlighting the transaction information. I faxed in a letter and the transaction details to PayPal. It was indicated on the bank transaction that my money had gone to PayPal BML ( bill me later ) which is PayPal credit. 

PayPal was not satisfied with my fax and told me they wanted a front and back copy of my check from the bank so they could find my transaction. I explained again and again that I could not obtain a front and back copy because I did not write a check. I used my debit card. My bank then provided me with 4 pages of numbers and account information that they provide to consumers who are challenging a claim. It was the most thorough information they could provide. 
I have since called PayPal twice and they said they still haven't received this new fax and they are undergoing a system maintenance currently and I would have to call back. At this point I am feeling very helpless. I desperately need this money to pay my bills.
Consumer complaint received 2019-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION (TN)

I paid off loan. There was an overage that BB and T did not send to me- they sent the overage to a 3rd party. Additionally, BB and T has my updated address but did not provide to the State of Texas so now my title is lost. I have sold the truck to a 3rd party and now I am unable to perform on fulfilling my obligations. BBT has tarnished my business reputation.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On or around XX/XX/XXXX, XXXX XXXX deleted 2 collections from my credit reports ( as they did not belong to me ). Equifax deleted both. On or around XX/XX/XXXX, a dispute was initiated for obsolete inquiries, they were deleted. At some point around that time Equifaxs faulty system split my file into two, blocking multiple trade lines, good and bad. At the time I had no idea what was going on, and called multiple times. Spent countless hours on the phone with reps. At this time EQUIFAX reinserted  XXXX  XXXX. This is a direct FCRA violation. Speaking with multiple reps, Im being told submit a dispute. I thought perhaps Equifax would straighten this out themselves with the thought in mind that they have this information as XXXX XXXX obviously sent this information to them before. Nothing happens. Eventually I get a rep whom straightens out the spelling of my middle name, and he again tells me I must file a dispute. My issue is, it takes 30 days to have a dispute done why should I have to wait 30 days? Im telling you XXXX XXXX deleted this themselves, they sent me a letter, you have this info available in house which a rep did confirm, however I have to spend money for a dispute ( bc Equifaxs faulty system also has me locked out of the dispute portal ) either mailing or faxing. Against my own wishes, I submit a dispute XX/XX/XXXX. I also provided the letter XXXX XXXX sent. During this wait I managed to get a rep named XXXX on or around XX/XX/XXXX, who spend 40 plus minutes on the phone with me and finally contacted the consumer affairs department and got my file straighten out. Everything was merged back together. At this point I notice that three collections from XXXX XXXX were also on my report. XXXX XXXX on or around XX/XX/XXXX, deleted themselves from my report as well. This didnt upset me too much, bc I figured that my report was in some sort of black hole, which is probably why. I waited a few days for it to sort it self out. I call Equifax, I told to file a dispute. Absolutely NOT! You have this information!!!! Why should I have to? Ive emailed equifaxs executive offices multiple times. To make matters worse, I received a response from my dispute on XX/XX/XXXX this past past Saturday XX/XX/XXXX, in which they state this XXXX XXXX was verified?!!?!!? Hooooowwwwwwwwwww? They claim they never received my fax with supporting documents?!? This is ridiculous!!! Equifax is NOT properly investing bc I can assure you they have this information internally, and also XXXX  XXXX would not verify this as THEY SUBMITTED FOR DELETION! this is ridiculous, and I can not understand how and why they are continuing to violate my consumer rights by not complying!
Consumer complaint received 2019-06-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Hello, I went to XXXX XXXX XXXX out of the XXXX XXXX Airport in California. I have been paying since XX/XX/XXXX the amount was {$70000.00} now in XXXX I have never missed a payment and the amount is {$67000.00}. I really want lower payments and a fixed interest rate. I'm willing to pay but can not afford {$500.00} + monthly payments. 

I believed I was signing up for a government loan through sallie mea. Turns out it was not what what described to me. Navient is the new loan holder and I have tried many many times to get better repayment or forgiveness. I was promised a job out of the school but never got it and I had to start working ( not in field for the schooling ) just to afford the monthly payments. Even the rate reduction plans are {$500.00} + and Navient wont listen or assist me. I feel trapped and wronged. 

Please Help.
Consumer complaint received 2019-06-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (TX)

1. Request that all E-mail 's include " RoundPoint and Loan number '' in subject line! 

This is MY life and my Home I brought my kids and now Grandchildren up. 
I am active in my community and have NO other DEBT. 

Home Equity Loan ( HEL ) Fixed Interest, NO Penalties, NOT a HELOC! 

I seeking the understanding how Roundpoint can charge {$4100.00} over the last 4 month if my payment is {$450.00}? 
I would still make payments or would have paid the loan off in full, if Roundpoint would not have : a ) stopped honoring my payments, and began to return them to me b ) made a counter offer to my settlement offer after they returned my payments. 

One may think Roundpoint is seeking a FREE HOUSE! 

Have I missed payments YES! Why? 
RoundPoint 's way of being helpful resulted in my case, to a 8 month of delinquency! NOT because I didn't want to pay, but because I was actively talked out making payments. After all we were in a settlement negotiation and should save the payments and apply them to the final settlement! RoundPoint reneged on the settlement.

2. Who and What would be considered a 3 party involvement? 

Several Settlement offers were send by myself or my legal council ( past council ) to Roundpoint. Mrs. XXXX XXXX ( Customer Advocate ) mentioned, in a phone conversation ( XX/XX/2019 ) that a particular settlement offer was countered by Roundpoint. 
Mrs. XXXX 's offered to forward Roundpoints counter to my E-mail address by XX/XX/2019 and after she returned from her day off! Still waiting! 

3. Request for any and all Counter offers made by Roundpoint in reference to my Settlement offers.

4. Request for

Roundpoint to show proof how each money order, mailed by certified mail to Roundpoint, was allocated. 5. Request for Roundpoint to show proof how Bankruptcy  Judges order to adjust my account by {$12000.00} in my favor. was allocated! 

6. Request for Roundpoint to show how they calculate {$4100.00} if my monthly payments are only {$450.00}?

7. Request for Roundpoint to quit stalling!!! 

I'm not inte rested in generated monthly printouts but detailed proof that Roundpoint allocated my Payments and honored a Federal ( Bankruptcy ) Judges order! 
I need RoundPoint to show me where the money I paid went! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Now faith is the assurance of things hoped for, the conviction of things not seen.

XXXX XXXX XXXX I can do all things through him who strengthens me.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

In correspondence dated XXXX I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. XXXX XXXX # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days. 

Attached : Copy of my initial letter to this company Copy of my id theft report
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE=INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc. (TX)

Back in XXXX XXXX I was involved in a major car accident that resulted in serious medical attention, all of this was ruled in my favor as NOT AT FAULT. 

XX/XX/XXXX, XXXX I filed a lawsuit with XXXX XXXX XXXX to make sure all of he medical bills where paid. 

My lawyer has stated that a Power of Attorney letter was sent to all medical personnel to protect me from this debt. I have had called the creditor many of times to let them know that the bill was to be sent to my lawyer. To this day no bill was ever been received by myself or my lawyer. I get this notification that a {$210.00} debt was placed on my credit reports, seriously damaging my scores over a debt that is legally being litigated. The original creditor XXXX XXXX made notes months ago and promised me because I had a power of attorney that this debt would not be turned over to a collection. 


XX/XX/XXXX, XXXX XXXX XXXX sent the debt that is out of my hands to a collection bureau and seriously damaging my credit scores. I have tried to address the situation with both companies ( collections, creditor ) and they both refuse to do anything my case.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TN)

I reached out to Conns, numerous times since the beginning of 2019, about a credit card debt they are falsely reporting to the credit bureaus. I've provided a police report previously and other false Conns was reported was removed from my credit files. For some reason the company refuses to remove the current false account. I spoke with the fraud department and was told they would investigate the account but I haven't heard anything since, this was months ago.
Consumer complaint received 2019-06-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (UT)

I have been trying to do IDR. I have worked for a Non Profit hospital for XXXX  years. I have asked several times what I need to do to have the loans absolved since I have worked here for that many years. Was never told about the IDR. It was my coworker who helped me last year figure out that i wast on that and needed to be. When I asked about it I got the run around with what form to fill out. Last year I had a payment of XXXX. and they said that they would start my XXXX  year write off time frame from then, even though I've been with my company so long. I recently redid my stuff showing Im still employed and my payment has gone to over {$700.00} and they haven't counted any months towards the idr to write them off. What do I need to do to get that counted towards that or is there any way of going back to my start date to have those absolved.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

Chase Mortgage Financial is refusing to honor my Mortgage Modification that was accepted thru the HUD HOPE program. I completed the program thru XXXX XXXX XXXX where I was advised that I would be receiving paper work that outlines the fresh new restructured Mortgage interest rate and monthly payments. This was suppose to happen around XX/XX/2019. As of today, I am still waiting for this paperwork. I have tried to contact Chase yet my Relationship Manager refused to return my calls. Even my Financial Consultant reached out to this Relationship Manager and he was also unsuccessful. Due to Chase 's negligence in properly managing this mortgage and refusal to honor the new Restructured Mortgage, it has turned into a complete nightmare. I am being harassed by their Debt Collector ( who is a law firm ), who not only refuses to honor a cease and desist order but continues to file FRIVOLOUS Motions with Connecticut State Court of law and threatening me with foreclosure. 

Chases " explanation '' in the past to their blatant negligence is egregiously incorrect! Not only have they been calling a number that is not even mine, they are claiming they needed new information stemming 5 years ago which is new news to me. The mortgage was never 184 days late! They purposely refused payment due to their negligence in properly managing the mortgage. My Mortgage has COMPLETED THE MODIFICATION PROCESS! It has been restructured with a new interest rate and monthly payments!
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Superior Adjustment, Inc. (MI)

Numerous payments made over a number of years that were not applied to the intended account. Paid the account in full, via check, which clearly stated the account number and the condition of payment. The check was accepted and cashed. The check was not processed electronically and met all conditions set forth by the federal statutes. They are still attempting to collect.