davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (KS)

Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school, but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour, I still needed money to make ends meet. I had no idea that, without a cosigner, I 'd end up with credit card-like interest rates, amongst a multitude of other problems. After taking time off from school to work and save money, I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So, with limited ( after rent, utilities, car payment and groceries it was really no income left over ) income and my private student loan payments, interest and fees, I was headed for default. 
Navient 's collectors called me up to 10 times per day, even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in " forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time, I 've been back to work for nearly a year and making all payments on time but those XXXX " missed '' payments, because they did n't process my request, have wrecked my credit and have the potential to haunt me for the next seven years, preventing me from buying a new home, leasing a car or getting a job - at least, with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again.
Consumer complaint received 2016-12-22
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (NY)

I purchased XXXX XXXX My Cash Cards on XX/XX/XXXX in CVS for {$500.00} each, total {$1500.00}. When I tried to load them to my XXXX account several days later, XXXX of XXXX cards I bought had issue to load, one of them loaded successfully. I contacted XXXX and tried to resolve this, they asked me to contact a company called InComm, said it 's their partner to handle XXXX Cash. After multiple failed attempts, I finally reached InComm, and they mentioned they will look into it. Then after several months I did n't hear from them, I contact InComm again, they asked me to send copies of my XXXX Cash Card, a bill has my address and driver 's license. After sent all my files, they promised to open an investigation and update me for the case, and gave me a case number but I never heard from them for anything relate to my case for serval months. I almost lost my hope to get my money back, then finally got hold of their customer service again, and the representative on the phone told me the case was closed, and they are not talking to me unless a law enforcement agent contact them, but she 's sure {$1000.00} on my two cards have been loaded to a different account, not mine. She keeps blaming me and said I 'm the one responsible if someone " stole '' my cards, and I told her my cards are with me, and the time when I tried to load them to my account, I was the one who scratched those cards to see the PIN, and I never shared the PIN with anyone! 
After the unpleasant conversation, I did some research online, and found out I 'm not the only victim of this potential fraud. A lot of people posted online they had similar experiences. For example, one case I found on XXXX website, it 's a complaint filed by XXXX, XXXX CASE # : XXXX, it 's basically the same experience I 'm having. And he even posted on his blog of findings he had that InComm had security breach and their own employee potentially stole customer 's money. 

One of his post can be found through this link : https : XXXX I strongly believe this is a systematically flaw in XXXX 's system if not an intentionally scam. Please help me to recover my money lost and investigate InComm for their wrong doing and hostile treatment towards customer, {$1000.00} is a big amount of money for me, you are my only hope! 

Thank you for your help!
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

Starting in XXXX XXXX I ask for help with CITI BANK to do a modification our repayment plan, I had XXXX BANK Representatives each told me they could resolve My situation IN 90 DAYS, here it is a year latter XXXX XXXX no one seem to care I also had XXXX a housing Counselor Help me and the day today XXXX XXXX XXXX the day before an auction then they said to file a complaint with you, I had anything but a run around from everybody and now CITI BANK wants {$19000.00} for lawyer and bank fee when this loan should been resolve XX/XX/XXXX before it even got in to FORECLOSURE, I did not know it was in foreclosure till XXXX XXXX when I again ask for help when I got Layoff from my job, I Have a New Job and the BANK does not WANT to work with me or XXXX I have all paper work And e-mail I an tired of all the run around I have gone through to get know were, so I ask you for help to see if we can get this resolve, because you are my last resort HELP me as soon as YOU can because I did nothing wrong all I did was ask for help now I owe XXXX
Consumer complaint received 2016-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

On XXXX XXXX, XXXX my wife and I went to obtain a pre qualification for a mortgage. Once our credit reports came back, I noticed immediately there were reports of delinquent payments from Navient on my credit. I knew for a fact that I have never missed a payment with Navient, nor have I ever made a late payment. After finding out this surprising information I checked my account history online at Navient 's site. My account history goes all the way back to XXXX, XXXX and shows not one single missed or late payment. 

On XXXX XXXX, XXXX I decided to call the Navient customer support line to get this issue resolved. I spoke with a XXXX ( Representative Number : XXXX ) who confirmed that my account is and has always been in good standing. XXXX also noted that my account shows no late or missed payments, thus proving that I have been incorrectly reported to the Credit Bureau. XXXX explained to me that the only way to dispute this would be to write a letter to Navient 's Credit Dispute Department with a copy of my credit report showing the negative marks and any proof I had that this was a mistake. Unfortunately, XXXX also stated that there is no phone number, email or fax number to contact the Credit Dispute Department at Navient, or anyone at Navient headquarters. Naturally, I was dumbfounded by this. How can a company have no phone number, email or fax line? This obviously raised a lot of red flags for me. The next day I sent a certified letter to the provided address for Navient 's Credit Dispute Department and sent along my credit report and proof of all my on time payments. 

On XXXX XXXX, XXXX I received a response from the Credit Dispute Department in my Navient Account Inbox stating that " the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted ''. This left me pretty enraged. I has proof directly from their website showing no missed or late payments and even had an employee of Navient state that that my account is and always has been in good standing. On top of this, I also became very concerned that Navient provided me with no proof of these apparent delinquent payments. All that was given to me was a letter saying basically that I was wrong.
Consumer complaint received 2016-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (CT)

I have an unverified account from PHNX FINAN. I had previously disputed this account. I have never done business with PHNX FINAN pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PHINX FINAN Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PHNX FINAN Cease and Desist all further communications and collection actives and provide the verification of the purported
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (WA)

My client attempted a loan mod with Specialized Loan Servicing ( SLS ). SLS took their trial payments, but never credited the payments to the account. Then, refused to complete the loan mod and started foreclosure proceedings, forcing my client into a short sale. All documents for short sale were timely tendered to SLS, but SLS continued to make repeated and contradictory requests : to leave the husband 's income off of the XXXX as unsteady and therefore not able to be counted as " income '' but then demanding along with the same XXXX a XXXX day XXXX statement for his " income. '' We argued that if he was receiving " income '' to necessitate a XXXX XXXX XXXX, then he qualified for the loan mod, otherwise no XXXX XXXX XXXX was necessary, and we move on the short sale. They finally agreed to move on the short sale, however, this issue was raised XXXX ( XXXX ) times by SLS until it was finally resolved. Then, instead of processing the file for investor approval, XXXX continued to sit on the file until the valuation expired, and performed a new valuation that was returned at 128 % of the XXXX of the property as reflected by comps, a XXXX, the offer on the property, and the original XXXX. We challenged the valuation with the above referenced documents, and SLS stated that they refused to change their valuation to be in line with the overwhelming evidence presented to them. Given the nature of our interactions and the tenor of and recalcitrance within their communications, I am concerned that SLS is not interested in cooperating in resolving this transaction in good faith.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CT)

I have read much data recently pointing to the fact mortgage loans actually do not fund at closing and instead a bait and switch is done with the HUD1 and the paying off ( or not ) of prior liens. Therefore, when I was reviewing my closing documents, I was shocked to see " Total Estimated Funds Needed to Close '' on the RESPA listed as {$490000.00} vs. anything close to the loan amount of {$190000.00}. Might this be prima facie evidence of the chicanery happening?
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report shows that I have not paid for a loan on a house I 've never owned. I lived with a man at this home but never was married or anything that legally binds me to him. I moved out after a couple of months and I have not returned. The mortgage company is XXXX XXXX Loans. I believe that is was XXXX or XXXX that I moved. I have since married to another man and have not seen the owner of the house, XXXX XXXX for about XXXX 17 years.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (MA)

Please find attached a copy of a R.E.S.P.A. Qualified Written Request. 
Borrower has requested these items many times and was told by her local branch that TD Bank does not provide this information any more. This a violation of RESPA. 
Borrower has been sending in monthly checks in the total monthly payment amount or in excess of the monthly payment amount and has only watched her arrearages increase. In discussion with TD Bank 's Foreclosure representative, XXXX XXXX, he stated payments were being re-issued to the borrower but at the wrong address. The borrower was never aware of these TD Bank checks that were rejected for a suspense account and has always believed the payments were being applied to her mortgage, as confirmed by her local XXXX, MA TD Bank Teller. On XXXX XXXX, 2016, we also submitted a full financial package to be reviewed for a modification. We believe she would not be in this position as extensively as she is, if TD Bank had notified her of their reissuing checks.
Consumer complaint received 2015-08-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

This is complaint number XXXX. I originally filed a complaint a few months ago, the result of that complaint was a response that stated my modification was approved but my mortgage had been purchased by another lender so there was a delay.The modification process was started in XXXX of 2014. After that notice I was served with foreclosure paperwork. This led me to question how Ocwen could file foreclosure on a mortgage that was currently in a modification and according to Ocwen had been bought by another company. I was told that I needed to file a response to the paperwork I was served. I filed my response at my local court house stating I was making payments, had a pending modification, and included copies of negotiated checks that Ocwen had accepted for payment .At this point the modification had carried on for over a year. I then was assigned a date to meet with attorneys for Ocwen as well as a foreclosure mediator, that meeting I believe was XXXX XXXX. At this meeting Ocwen was called where a representative for Ocwen told myself, the mediator and the attorney present that my modification had been approved, that my mortgage was current and after 14 months I finally had a completed modification. I was told I should receive paperwork on the approved modification within the next 30 days. I received a letter from the attorneys office stating the case was dismissed, which was signed and sent back. I then waited to receive the paperwork for my approved modification. I have yet to receive any such paperwork, instead I have received paperwork stating that my mortgage is behind and Ocwen has started the foreclosure process, again. I have also received XXXX separate letters stating I have a new agent, each letter had a different name, neither name is the person I am told is my agent when I call in. Total I have now been given at least XXXX different agents within the last year. I continue to make monthly payments and my checks are accepted every month.
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America. {$36000.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-31
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Ceannate (IL)

I was contacted in XXXX XXXX by my XXXX yr old XXXX XXXX saying a detective was trying to locate me gave me a number when I called it was a representive from fms who said he was in charge of my student loans and wanted me to pay XXXX dollars over phone that day and get set up on a XXXX dollar month repayment plan I gave him new adress and said if he sent me the mail I would respond he never called back in may i recieved letter from XXXX issuing wage garnishment to correct adress as he sent everything to prior adress in tn I had not lived there since XXXX I never recieved his companys paperwork garnishment started immidiatly upwards of XXXX amonth and a yr later i still owe more than orriginal loan amount XXXX did an eternal review and denied my request for lowering payments even with childsupport taxes state and federal and insurance payments of XXXX a week this company has unlawfully cased my family hardships and made me finacialy unable to retain couinsil to defend myself and had not had contact with dept of education since XXXX when the company who had my loan went out of bussiness obviously I didnt have an oppertunity to respond to thier claims as i never recieved them at present adress.
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

This is an addendum to my previously submitted complaint case # XXXX. I have recently pulled all XXXX of my credit reports and found that ALLY has reported my payments 30 days late for the past 6 months, including the month of XXXX 2017, which is incorrect and literally impossible being that it is XXXX/XXXX/17. Once again, when logging on to my on-line account portal my account shows being paid. 
This has negatively affected my credit score to a point that it is irrepairable at this point.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC (NV)

This company " XXXX XXXX XXXX, XXXX '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.
Consumer complaint received 2015-08-12
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OH)

Ocwen mortgage company contacted me about their VA refinance program. They told me repeatedly that it would be of no cost to me and my balance would not go up. I never saw the amount I would be paying until it was time to sign. I noticed when signing that the balance was higher than I currently had. The notary was rapidly going through the loan and getting me to sign as fast as possible while " explaining what the paper was I was signing. When I noticed the balance was higher, he said I could bring that up with them later. The refinance ended up being {$3000.00} over my previous balance. When I called about this it was VERY hard to reach someone to talk to. I left repeated messages and nobody ever called back. I finally got in touch with Ocwen and they told me there was nothing they could do as I signed the new loan.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (ID)

In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a Collection Agency Named Focus ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the third bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
Consumer complaint received 2015-12-21
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

i sent money threw XXXX XXXX XXXX the receiver in XXXX was told the money was paid out. I went back to the store n the manager said it takes a few more minutes.could you please help get the money paid
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (CT)

A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded