davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (KY)

I am not a attorney, so maybe I did not explain my case well enough, if you all look at the XXXX on page XXXX under count XXXX, number XXXX, clearly said the " Due to an inadvertent clerical error, the Mortgage was never placed of record with the XXXX County Kentucky Clerk 's records and the original Mortgage has become lost. " If the original Mortgage has become lost, then how can you filed a assignment of Mortgage on XXXX XXXX, XXXX and also it was signed and prepared by XXXX XXXX by OCWEN office, so when I said OCWEN falsify the document, it mean using a copy or some other way to make it legit to file a law case. I pray the CFPB will look into this, so it will not happen to other people. 
recently, OCWEN wanting to file a law suit, so OCWEN falsified a copy of old mortgage paper, and ask XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, XXXX have abused the Electronic file system. according the law, XXXX need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX XXXX clerk office, and you can also look at the date they file, it was there first filing on XX/XX/XXXX. and the Mortgage date is XX/XX/XXXX. by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, XXXX and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the Legal procedures.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NC)

I purchased a timeshare on XX/XX/2014 the salesperson said we had to fill out a RCI MasterCard application to purchase the timeshare. I was declined for the MasterCard so I bought it with my XXXX bank card. Promises and guarantees where broken so the vendor said they would credit the XXXX for the total amount we paid. On XX/XX/2014 the vendor opened the RCI MasterCard and charged me the cost of the Timeshare without my approval. I never consented to the new charge and never signed a credit receipt for the purchase. I have disputed the charge with RCI and each time they just ask for more and more information then lose it or not read it. They tell me deal with the vendor but the vendor does not respond. RCI told me there is nothing they can do for me anymore. They do not care that the charge was fraudulent.
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Navient continues to disregard my defense to repayment for my current situation with The XXXX XXXX. The school I attended has done a teach out and is closing, been sued on multiple accounts, defrauded thousands of students, and unethically recruited students. Navient was involved with this system of predatory lending to schools that had XXXX transferability and they need to be held accountable. Please see my attached Defense to Repayment for a more detailed request for full discharge of these fraudulent loans.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I sent several letters with exact information and mailed certified mail so I know they were received by transunion. After I sent the dispute including incorrect information I received one response with an automated " verified ''. I have sent XXXX additional requests for reinvestigation ( certified mail ) and have received no more information or responses. I believe my rights are being violated and completely ignored. This is a source of great distress. Transunion needs to delete XXXX XXXX XXXX XXXX XXXX XXXX I disputed the incorrect items and waited the regulated time 3 times over and then some. Transunion needs to delete these items permanently right away.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I purchased a warranty for my home thru Owen. I paid the XXXX every month with my mortgage payment. For some odd reason my mortgage payment was reduced XX/XX/XXXX - XX/XX/2015, unbeknownst to me they stop paying the warranty company and the contract was cancelled XX/XX/2015. XX/XX/2015 my mortgage increased again and the XXXX warranty fee was included on my mortgage statement. My question is how can they stop & start the warranty fee and not notify me. Please help.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A. (CA)

I graduated college XX/XX/XXXX/XX/XX/XXXX. In my entire college career I only took out XXXX loans, each for {$5500.00}, totaling {$11000.00}. With the exception of 1 year differed, I paid on the loan from graduation until somewhere around XX/XX/XXXX. In about XX/XX/XXXX, I was contacted by Citibank, that to avoid a serious increase in payments, due to a change in the law, I needed to consolidate my loan, which I did. Sometime in and around XX/XX/XXXX, I stopped to pay attention to my loan. Again, the orignial amount was only $ XXXX, I had been paying around $ XXXX/month for 7 odd years, yet the statement was saying I still owed $ XXXX. Something did n't make sense. I called Citibank informed them that I believed there was a problem with the accounting on my account, that I did not believe I still should owe any money and requested a full auditing of my account. I was sent some paperwork, but there was no auditing done on their end. I called to question this, and was told that Citibank sold my loan. Since then, I 've requested proof that I owe any money from every single collection agency that it gets purchased from. Every single one refuses. I tell every single one that I do not owe ANYTHING, and if they believe otherwise, they are going to have to prove it. Shortly after, my loan gets sold everytime. I have been a stay-at-home mother since XX/XX/XXXX. All income earned in the home is my husband 's. Yet, our XX/XX/XXXX taxes were withheld in the amount of approximately {$1600.00}. We filed a hardship, and they still kept about {$800.00}! Now, I 'm getting collection calls, AGAIN.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

I currently have a card open with JCPenney through Synchrony bank. On XXXX XXXX, I submitted what I thought was my full minimum payment of XXXX. I asked the cashier to confirm the amount and she said that she could not. I am now being charged a XXXX late fee because according to Synchrony I still owe XXXX of my minimum balance ( because it was really XXXX that I should have paid. ) Also according to Synchrony I did not make a payment. So now I have a late fee and a black mark ( my account is now delinquent ) on my record because Synchrony is citing privacy concerns that will not allow the cashiers at JC Penney to confirm the minimum balance due ; essentially they are setting it up so that the customer accumulates lates fees.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (PA)

I was redeeming rewards points for airline tickets under XXXX program and I was charged a {$150.00} fee for booking this travel within 21 days of the flight. At no time during the booking of the flight was I notified that there would be a charge for booking. I contacted them and they informed me that there was nothing they could do and if I failed to pay the charge they would report it on my credit report. I was also billed an additional {$22.00} for this transaction that was disclosed and agreed to.
Consumer complaint received 2016-12-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I can not afford my private student loans payments. They want me to pay {$260.00} a month. My area was hit by a hurricane a few months ago so my loans were put on a deferment. I was told that when I came off the deferment that I could do a rate reduction payment. The rep told me that even though i have signed up to do the rate reduction twice that I am able to have someone sign me up. The deferment is over and they told me that there is nothing they can do to lower the payment. I have never worked with a business that has no heart. I was on the rate reduction for 2.5 years a few years back and paid it every month. Now all the 12.25 interest that has accrued it is back to where the original was. My life is totally over with this business not willing to work with me. I hope that others will take there business elsewhere it is not worth the stress this business puts people through.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is, in my opinion, ruining my credit report on purpose. It is amazing at how inept they are being about fixing their own mistakes. I have sent them XXXX letters already, telling them exactly what was wrong and what they needed to fix and they have been responding with crazy statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
Consumer complaint received 2016-02-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (OR)

The bank has failed to contact me ( co signer ) on my daughters delinquent account. Damaging my credit with no notification. They said they had the wrong address. I have had my checking account with them since XX/XX/XXXX and they new my address. The bank continues to fail to provide me XXXX on interest that I paid XX/XX/XXXX. I have tried to conslidate the loans but they drove my credit score so low I did not qualify at a low enough rate to afford the payments. Wells Fargo continues to fail to work with us asking for payments we are unable to provide at this time. The interest they are charging me after they drove my credit score down would lead me into default. Wells Fargo departments do n't coordinate with each other telling us if we made 3 payments on the late account they would help to bring the loan current. They continue to fail to work with us to resolve all issues relating to my daughter student loan accounts.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

OCWEN Mortgage company raised our percentage rate which resulted in a XXXX % increase in our mortgage payment per month. It is forcing our family to sell the home, potentially at a loss. What adds insult to injury, is that OCWEN claims that they notified us 30 days prior, but I check out mailbox every day, and we received the updated bill 16 days before the due date. How is a family of XXXX supposed to be able to survive with evil mortgage companies like OCWEN existing in this world? We originally signed our mortgage with XXXX XXXX who then sold our mortgage to INDY MAC who then sold it to OCWEN. For 10 years we have never had a missed or late payment. I blame all of the companies involved that is forcing us out of this home and holding our good credit rating at ransom. This is extortion in the modern age.
Consumer complaint received 2016-12-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson and Kennard (OR)

The collection firm is Nelson & Kennard operating out of XXXX, CA. 

I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order. 

Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first. 

On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.
Consumer complaint received 2016-07-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My step-mother had XXXX. She had a savings account in her name only with my father as POD. There has been an ongoing feud between my step-mother 's daughters and my father. My step-mother 's oldest daughter had a POA ( Power of Attorney ) for her mother that was nullified on her death. She died around XXXX with an official time of death being XXXX on XXXX 2016 ( due to the time it took the coroner to arrive at her home ). While my father grieved for his loss, the oldest daughter withdrew all the money in this account and transferred it to her personal account. We notified the bank of her death on XXXX/XXXX/2016 and proceeded to close out the other bank accounts. However, the bank missed this account and kept it open. The final amount of money was transferred to the oldest daughter 's account on XXXX - 1 day after the bank was notified of her death. The {$4000.00} in the account disappeared and there was nothing left for my father upon his wife 's death. The bank was Bank of America and I believe they made a mistake by not putting a hold on all accounts in my step-mother 's name, which allowed her daughter 's to remove the money ( legally belonging to my father ) on the day of her death and the following days after the bank was notified of her death. Now Bank of America will not answer any of our questions related to this account because my father was not a signer on the account. My father has XXXX and can not speak for himself any longer. We have statements that show withdrawals from this account {$3500.00} on XXXX and {$470.00} on XXXX - all after my step-mother 's death. The balance on the day of her death was {$3900.00} and my father got none of this money. Is Bank of America responsible for restitution since they did n't put a hold on the account upon hearing of her death? Can we get our money from B of A or do we have to sue the step-daughters? The estate department at B of A will not respond to any questions - because my father was not on the account, but also because they know they messed up by not putting a hold on the account when they learned of the death on XXXX XXXX.
Consumer complaint received 2015-11-26
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

When renewing my balloon home equity loan with Bank of America I was told I did not qualify and would have to apply for a modification. After 18 months my approval came through with Bank of America writing that I now had an affordable home equity line of credit payment. That is true for the first XXXX payments - not so much for the next XXXX payments that span 38 years. Then the rate goes to a close to market rate of 4.125 % with me paying more in finance charges than the amount of the loan more than doubling the amount owed. Bank of America gave me no indication that this was the only " modification " available until I received the paperwork. I had tried other avenues to write a loan but could not due to the stricter lending standards and the fact that my credit score took a bad hit when they reported me past due while the negotiations lingered on. 
This is a usury loan that only benefits the Bank of America. Even though I have made all trial payments timely and the new loan is in effect the old loan still shows on my credit report as past due. Due to the stricter underwriting rules placed on the big banks who caused the housing collapse ( i.e. Bank of America ) and in turn the recession I could not get a loan renewal. My only option, other than foreclosure, is to agree to a loan modification that cost me {$60000.00} finance charges on a {$59000.00} loan.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I got into a collision with my brand new 2 months XXXX XXXX. My XXXX XXXX insurance called the car being totaled so they were getting information with XXXX XXXX for the payoff amount. Since it was only 2 months old, I understood that the car was upside down, so I would need to come up with some money to settle the whole thing, which was also what XXXX XXXX Claim adjuster said to me as well. I thought since I was getting another Toyota, I could negotiate that part when I get the new car. However, a few days later, my Claim adjuster came back and said good new, Toyota accepted their pay off amount and I was actually going to get a little money back even after XXXX XXXX taking my deductible. I was happy, signed the paper work with XXXX XXXX, got the check and I went and leased another Toyota Prius, because I needed a car. Almost 1 month later, I received a letter from Toyota Finance saying that I owe them money because the settlement was not enough to pay off my lease. And they were going to charge off that amount and report to the credit reporting agencies. I talked to XXXX XXXX, and they gave me the letter that Toyota Finance accepting the settlement. XXXX XXXX said that Toyota should not go after me for the difference, since they already settled the account and released the title. I talked to Toyota Finance, but they still demanded the money or they would report me. I knew about the difference, and was going to negotiate it with Toyota when I was going to get the XXXX Prius. But since they told XXXX XXXX that they accepted it, and XXXX XXXX even thought the whole thing was closed, and wrote me a check, I did not negotiate that part of the difference when I leased a new car. What Toyota did, accepting first and went after me later, took away my chance of negotiating, which was really unfair. Now the fact that they are demanding the difference in full with no opportunity for me to ask for a discount or payment plan is really predatory practice. Please help.
Consumer complaint received 2016-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (CA)

I paid off my account in full on XXXX/XXXX/XXXX and Ally Financial sent me the title to my vehicle 5 days later. On XXXX/XXXX/XXXX I received an alert from my credit monitoring agency that Ally has reported they are in the process of repossessing my vehicle. I called Ally and they confirm the vehicle is paid in full and there report was sent to the credit bureau in error. While on the phone with the rep. he says he submitted a dispute with the XXXX credit reporting agencies. Dispute confirmation # XXXX and that it will be resolved and I should get a response within 7 business days. 
On XXXX/XXXX/XXXX - Check checked my credit monitoring profile and discovered that Ally Financial reported on XXXX/XXXX/XXXX to XXXX ( and perhaps the other agency ) that they repossessed my vehicle on XXXX/XXXX/XXXX. 

I called filed a complaint against the credit bureau with CFPB straightaway as I could not get anyone their to discuss this issue with. 

Immediately after, I called Ally Financial and explained the situation to the american rep. She checked my file and discovered the dispute # XXXX filed with the credit bureau ( s ) last week by their rep. was filed incorrectly as they did not received a confirmation. She offered to resubmit it today. I requested to speak with a manager as it is quite clear to me at this point that the employees at Ally Financial are incompetent. I was told a mgr. is not available and that one will call me back within 24 hours. First they send erroneous information to the credit bureau, then they were not efficient in disputing the information with the credit bureau. I will contact my local T.V. station ( XXXX ) and my local newspaper and notify them of this issue including the fact that I have submitted a complaint with you the CFPB on XXXX/XXXX/XXXX at XXXX XXXX pacific time.