davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I expect a script back from the bank covering themselves but since i am working with a lawmaker to pass laws to protect people like me i am still reporting this. i expect a script and cover your XXXX response. 
My son was born with XXXX in XX/XX/XXXX. I have struggled very much so due to this. We have medical bills of over a million dollars we are suing to have insurance pay for.Despite having a long term relationship with bank of america with NO RISks or any real problems i want to describe actions taken by XXXX in XXXX and XXXX XX/XX/XXXX In XXXX day because I could not believe all they would do is send me copies of credit card agreements when I indeed asked for real help like refunding my interest. I would get letters denying this and copies of credit card statements i neither asked for or needed but never help. Things really deteriorated when I made a remark that with the copies they send me of credit card agreements to verify interest is valid when i never disputed that i made a remark i could make a good fire with all the paper I sent that in writing. NExt thing i knew XXXX person XXXX XXXX called me and told me she was sending me a letter closing all accounts I had about XXXX accounts credit cards for many years. and a bank account. all closed. I know you will say as will the bank that it is legal. 
Know that laws have to be passed to protect families like mine and make banks meet a higher standard when taking these actions. Not say i am a risk when i have never been and was currrent on all. All i wanted was loyalty for loyalty i gave in the form of interest refunded.instead XXXX person made the decision with powers in the bank from the bank to close all my accounts. it is truly unbelievable. If there is any damage to my credit i will take action. Also know before they mde me leave bank my checks no longer funded. the way i was treated was worse than a customer who is actually deliquent. I know i will get a script back that is why i have contacted the media and legislature.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue. 

Thanks XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (VA)

In XXXX, XXXX, Navient sent me an update of my loans status. I had XXXX loans at that time. I had monthly payments of {$82.00} for the months of XXXX and XXXX, XXXX and the payments were to reduce to {$47.00} starting in XXXX, XXXX to XXXX XXXX XXXX. On XXXX/XXXX/XXXX they sent me a congratulatory message because I had paid off XXXX of my XXXX loans, and a couple of days ago they sent me another statement listing the XXXX loans that I need to continue paying. The shocking thing is that my monthly payments have increased to {$100.00}. I am supposed to make these monthly payments to sometime in XXXX. I called them yesterday, XXXX XXXX, XXXX seeking an explanation why my monthly payments have increased yet I have paid off some of my loans. The gentleman I spoke with gave me a very unsatisfactory answer stating that my loan terms had changed. He could n't explain why yet I have been making my payments faithfully.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

Due to an entry-level income after finishing college, I was unable to meet my steep $ XXXX student loan payments monthly. Navient, my student loan provider, recommended forbearance and told me I was ineligible for any form of income-based repayment over and over again. As a result, over the past 4 years, I have seen my XXXX student loans totaling {$42000.00} collect {$12000.00} in capitalized interest. I was told this was my only choice to keep my account current and in " good standing. '' I was never given any other options, short of failing to make payments altogether and destroying my credit in the process. 

It was n't until I learned that Navient was under investigation and started looking closer into my statements that I realized this had taken place. I have made regular payments, and yet my combined principles have risen to approximately {$55000.00}. 

I studied overseas, so my school is not in the drop-down menu below. I earned my XXXX from the XXXX.
Consumer complaint received 2023-10-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

I purchased a new truck from XXXX XXXX, it was financed by WFS FINANCIAL, Soon after Wachovia Bank purchased my contract, I paid as was agreed on the original contract, then Wells Fargo Bank, purchased Wachovia Bank with my contract, then Wells Fargo Bank, as I was paying as agreed on the contract, Wells Fargo Bank repoed my truck, and sold XXXX.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Ditech has served me with a summons for foreclosure on XX/XX/2016. I am fully aware that the Consumer Finance Protection Bureau requires 30 days notice before this is served. The notice should include that this is a possibility and give me options to prevent it. I have diligently read and kept every letter, and there is no notice. I have personally witnessed this happen, and then at trial, the Plaintiff/Bank miraculously has a letter dated at least 30 days before the summons was served. I am quite concerned that the same will occur in this instance. This has to stop somewhere.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Long story short : I have had payments rejected by Ditech for three months now due to their error. I have called each month to correct the situation only to have another argument about the payments not getting applied as scheduled. Late fees assessed when they state they will waive them only to have them tell me, " I have no record of that conversation ''. ( This conversation took place in XXXX 2016 ). It has been three months now that late fees assessed and scheduled payments not applied as they were confirmed to be due to an error made in XXXX 2016 by Ditech. I now have to write a written letter with documentation of the problems for the last three months to XXXXXXXXXXXX. I guess they have no phone number or address, at least that is what I am being told.. I am unable to speak to a manager and when given his name and extension, only to be able to leave a message on voicemail, with no return phone. I also need to call the credit bureaus if and when this issue gets resolved to clear my name on any late payments reported to them because of this. This is a nightmare dealing with Ditech. My account online is locked and I am afraid to schedule autopay until this mess is cleared up for fear my payments will continue to reject. Documentation can be submitted if requested. All calls have been recorded each month according to Ditech.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable.
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

XXXX, formerly XXXX is refusing to provide a statement on a monthly basis that gives me the break down of my loan payment. I do n't have any way of knowing if extra fees are added, what amount was paid out of my escrows, and the amount that is principle and interest. I have written them a letter asking them to send it to me and they have sent me a letter back that said if I do n't reaffirm the loan they will not give that information to me. The loan has never been late, and I have indicated to them that I intend to pay the loan until it is paid off. I do n't know if they are overcharging me or not. They refuse to give me this information. I do n't even know how much I still owe. They wo n't tell me that either. I am having difficulty filing my Income Taxes because the information is not given to me. They will not tell me how much is in my escrow account and when the payments are made out of it. I do n't know how much they are paying for the insurance, and they said my taxes went up but they went down. They said the escrow payments are making my loan payment go up. I do n't know how much or what for because they refuse to give me that information. I feel like my rights are being violated and there is a potential for fraud on their part since I am in the dark. They wo n't even put my name on the statement but I am on the loan. My sister XXXX XXXX is also on the loan and she did not file bankruptcy and they will not provide the statement to her either. She is still fully responsible for the loan.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

As reflected in the attached letter dated XXXX XXXX, XXXX, XXXX states, on its Company letterhead, " We previously sent you a letter on XX/XX/XXXX as a first notice of placing your account with collections with PDQ Services, Inc ''. Their response that it was with another agency to my complaint is completely inaccurate and false. The actual letter sent by PDQ is attached, for the second time, to this complaint as proof to the Bureau of Consumer Financial Protection that PDQ did in fact hold the debt and try to collect on XXXX XXXX, XXXX. PDQ is using ruthless tactics and bad faith when listing the date as occurring on XXXX XXXX instead of XXXX XXXX. This keeps the account listed on my credit report for an additional 2 years as a collection and delinquency -- there 's extending the credit reporting date. PDQ 's possible subsequent re-acquisition date with the dental clinic is PDQ 's complication, not mine, the consumer. PDQ must update the credit file to reflect the accurate date of initial collection as XXXX XXXX, XXXX, not XXXX XXXX, XXXX as it is currently listed on my credit file. Next, as reflected on the attached bill dated XXXX XXXX, XXXX, the account balance is {$490.00}, not the {$370.00} as stated above in their response to my complaint. Once again, acting in bad faith by trying to collection more than the actual bill. How does the Company explain the difference? The bill is for {$240.00}. Not {$370.00}. I will file a separate complaint against the dental clinic. This Company, PDQ, is ruthless and harassing in its collection efforts. Do they inflate the amount owed and prey on consumers that have hit hard times, then later " settle for an amount '' less than the stated value, thereby tricking the consumer? The issues : The Company is purposefully reporting this account as first going into collections on XXXX XXXX, XXXX, after the initial letter written by them on XXXX XXXX, XXXX thereby adding 1 year, 10 months and XXXX additional days to report and collect the debt. The response from PDQ is dishonest and inaccurate when stating they did n't have the collection account in XX/XX/XXXX as the letter written on the PDQ letterhead proves otherwise. This Company must accurately reflect the initial date of collection. Id like an investigation into their billing and reporting practices to find out how many consumers they have practiced these ruthless and unethical tactics with.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

hundreds of people are being screwed by Green Tree/DitechDitech has forgotten to pay our taxes and now insist that we pay a higher mortgage payment.. 
They also hold our extra payments in limbo not crediting them to our accountsWE did NOT choose this lender most of us had our accounts SOLD without our Permission!!! 
wheres the law protecting the innocent people from theses scamming sharks..THEY ARE DESTROYING OUR LIVES ... WHERES THE LAW
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The person who stole my identity was also able to obtain a copy of my credit report. With this information, they are able to call Experian and unlock, unfreeze, and remove my fraud alerts from my credit reports. This has resulted in several applications being made against my credit. They were also able to call in and change my account email, password, and phone number, and remove my XXXX security. This is all despite the fact that I have a secret question and pin number associated with the account. 

I spoke with several customer service specialists and their managers and they all told me that if someone can answer the questions derived from the credit report they can bypass the security question and the pin number. 

This is effectively telling me that there is no possible way for me to secure my credit report through Experian. XXXX and XXXX were able to add secondary measures to prevent this sort of thing from happening, but Experian did not. 

I asked for this to be escalated but have not received any response. I would like to get this resolved as the person is actively and daily attempting to gain control over my Experian account and unlock my credit report. 

I pay for the premium membership at Experian as well. The additional security features added by having a premiere account still do not help the scenario where someone can call in and answer 4 questions from the credit report. 

This was not done by accessing my account online as I have changed my username and password several times, I also have always had XXXX enabled on the account. 

Experian does not adequately protect accounts in situations where an identity thief has not only a person 's SSN but also their credit report. 

I've filed a police report and supplied it to Experian with no response.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

I was steered towards forbearance when I explained I was having trouble paying loans. I was informed via email that my new loan servicer was Navient, I ignored the emails from Navient because I thought they were fraudulent or phishing. I had never heard of the company. A friend had to tell me it was a real company and my loans were most likely no longer under XXXX and that 's why I had n't heard from them in a while. This resulted in late payments because the forbearance period had ended. Additionally., I was only given XXXX bill every month it was not broke down to show a payment for each of the XXXX separate loans., However, when I missed payment a late payment was reported to the credit bureaus on each of my XXXX loans resulting in XXXX reported late payments. In my records I missed payment on a bill 8 times. This is misleading and the extent to which it has damaged my credit is only repairable with time. 

I have attached images of how my bill comes to me every month & how a payment is displayed only showing XXXX numerical amount, not XXXX.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I have submitted a PMI cancelation letter to Green Tree, and they denied, even thought my loan to value is already 79.89 %. My understanding is that once the LTV reaches 80 %, I can by law requires the cancellation of the PMI. 
Green Tree point out to me, in the letter that I attached, that : A minimum aging ( seasoning less than 2 years ) is required for my account, and the loan to value need to be 75 % or less. 
The date that my mortgage is schedule to reach 75 % is XXXX/XXXX/XXXX. 
My closing paper said I can cancel my PMI when loan to value is 80 %, and their escrow department sent me a letter saying I have the right to request the PMI to be cancelled on the date that loan to value is 80 % or lower. Green Tree never mentioned anything about minimum aging or loan to value need to be 75 % or less. 
I would like to ask the CPFB to assist me, in order to have my problem solved. Basically I would like to have my PMI dropped from my mortgage, and any extra payments that I have sent to Green Tree, starting on XXXX XXXX, in case this problem takes a few months to be resolved, to be refunded back to me. 
I appreciated your attention, XXXX XXXX.
Consumer complaint received 2015-08-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I made a payment online to Green Tree. They replied back about a week later saying the bank XXXX did not have enough funds to cover the mortgage payment. The letter states I owe them {$25.00} is processing fees and know the payment is late so I have late fees as well. Of course there was more than enough money in my account at XXXX. Green Tree has no said they will no longer take online payments or checks from me.
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (CA)

I have made XXXX attempts to have a fraudulent account from Common Wealth Financial removed from my credit profile. I was never contacted by them however, I have reached out to them via certified mail once I discovered the account on my credit and they have yet to respond or communicate with me- but they are telling the credit bureaus the account is mine. 

Also it appears the account is for a medical bill when I have also be insured without any interruptions and I work XXXX.
Consumer complaint received 2016-03-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (NY)

I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NV)

I was sent a letter from Dynamic recovery solutions dated XXXX XXXX 2015 for a debt I never made. current owner is XXXX XXXX XXXX and the, original creditor is XXXX the debt is for {$1400.00} the letter states they will settle for {$370.00} before XXXX, {$440.00} in XXXXpayments or {$510.00} in XXXX payments I am not going to respond to this letter because I do-not owe this debt.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

Thank you for giving me the oportunity to solve this problem through this portal. I hope to get a fair solution. This situation is overwhelming for me now. 

I am writing to you today regarding the following account : Designated Receivable Solutions, account # XXXX, opened date reported : XX/XX/2015. 

This company is committing so many violatoins to my rights as a consumer : 1. Failing to investigate account : I sent validation request last month which wasnt responded to Designated Receivable Solutions.

2. Misreporting activity dates.

3. Inconsistently reporting accounts off bureaus- California Rosenthal Act violation.

4. Unfair business practices. 
5. Reporting incorrect opening date.

Please, I am asking you to send the attached documents to Receivable Solutions. 

I thank you for your help.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Forster, Garbus and Garbus (NJ)

I have been battling with portfolio recovery and Foster, Garbus & Garbus for over a year regarding a debt that is not mine. I continue receiving letters from Foster, Garbus XXXX Garbus regarding same debt although I 've submitted documents to Foster, Garbus & Garbus proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (GA)

After Consolidation and repayment of my loans, I still have student loans that are paid, and closed reporting on my credit file please remove as this is serious hurting my credit status, and report only accurate information, also most of these loans reporting are XXXX plus and are requires by law to be removed.