davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing engaged in dubious, illegal and patently fraudulent activity in pursuit of a foreclosure in XXXX State Supreme Court violating both the National Mortgage Settlement agreement with Ocwen, regarding servicing standards, and highlights the problems with Ocwen 's REALServicing platform as laid out in the lawsuit : CFPB v Ocwen Case # XXXX, US District Court , Southern District of Florida XX/XX/XXXX -- A " Denial for request of Mortgage Assistance, '' dated XX/XX/XXXX, was uploaded to the NY Court 's web system on-line during a mandatory foreclosure status conference ( mandatory appearance by plaintiff 's attorneys ). This was a fraudulent document given that defendants never applied for mortgage assistance. Blame was laid at the feet of an inexperienced young lawyer who had managed to gain access to the REALServicing system and obtain the document. 

XX/XX/XXXX -- Attorney affirmation by plaintiff 's lawyer stating the uploading of previous document was a " mistake '' XX/XX/XXXX -- Affidavit from Ocwen representative again stating " Denial '' document was mistakenly uploaded. 

XX/XX/XXXX -- Supplemental affidavit from same Ocwen representative reiterating that XX/XX/XXXX document was mistakenly uploaded. 

In response to two Show Cause orders XX/XX/XXXX and XX/XX/XXXX lawyers for two firms representing the plaintiff filed Affirmations in Opposition, respectively, that the mistake should be overlooked and that " ethics '' training had been instituted for all lawyers in the firm ( XX/XX/XXXX ) and that no real harm had been done to defendants ( XX/XX/XXXX ). Furthermore, in the XX/XX/XXXX filing plaintiffs attorney indicated that the REALServicing system had flagged the case and that no further modification-related communications with defendants would be initiated. Plaintiff 's lawyer stated that " Ocwen 's Records Are Accurately Kept, Maintained and Available To Their Foreclosure Firms. '' Plaintiff 's lawyer also stated ( XX/XX/XXXX ) that " care was taken to ensure that the offers were not sent, given Defendants ' clear position ''. 

XX/XX/XXXX -- Despite the aforementioned affirmation a packet of information, dated XX/XX/XXXX, was received by defendants. It was a " You Are Approved for a Loan Modification Trial Period Plan. '' Again neither defendant nor their attorney requested this modification.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

My account was charged several overdraft fees totaling {$260.00}. My begining balance started at {$100.00} with a transactions totaling {$110.00} which is a difference of {$11.00}. I had an ending balance of {$42.00} and was then charged the first Overdraft fee of {$100.00} that the bank then deducted the {$42.00} from my available balance and applied it to the overdraft and left the overdraft fee at & XXXX. I contacted the bank regarding my concerns and was promised a credit back of {$36.00}. This is basic math only on overdraft fee should have been applied to the account. The fees are not stated line by line only the dollar amount therefore I dont even know what they are actually charging for. This is the second time this has happens with this bank.
Consumer complaint received 2018-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (IL)

Prior to Coinbase notifying customers that their merchant code changed such that credit card purchases would be coded as cash advances, they continued to represent that credit card purchases would not be treated as cash advances. Despite this, they have refused to refund cash advance fees charged by credit card companies from the time that such purchases were treated as cash advances until they gave proper notification of their merchant code had changed.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (PA)

I've been a Discover Card customer since XXXX. 
My payment history is excellent and my Credit score is over 750. 
On XX/XX/XXXX, I contacted the company to request a reduction of my 21.24 % interest rate. 
I spoke with a CSR named XXXX and his Supervisor, XXXX. They both told me that their records show that I am eligible rate, however, no lower rate was shown in their system. XXXX was " intrigued '' by the situation but could not provide an interest rate reduction. 
He did offer a refund of the {$74.00} interest that I was charged on my last statement. 
I think I should receive a lower interest rate.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NJ)

This is a formal complaint that you are reporting inaccurate information on my credit report that is damaging my score. 

I paid this account thinking it would help my credit and be corrected but it did the opposite. 

Here are the inaccuracies or the inconsistencies between all there reports : Account Status : XXXX - Derogatory XXXX - Paid XXXX - Derogatory Terms : XXXX - 72 months XXXX - 72 months XXXX - 0 months Last Reported : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Comments : XXXX - Payment after charge off/collection. Paid profit and loss XXXX - Unpaid balance reported as a loss by credit grantor. 
XXXX - Paid charge off Auto Date of Last Activity : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Date of Last Payment : XXXX blank XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (MO)

I took out a loan with Big Picture Loans ( a wholly owned subsidiary of " XXXX XXXX XXXX XXXX XXXX XXXX '' ) at the end of XXXX for {XXXX}. I did n't realize at the time that the APR for this loan was a staggering 683.3731 %. I was scheduled to make a total of 13 payments in the amount of {XXXX} every two weeks following the deposit of the funds. So far, I have made a total of XXXX payments in the total amount of {XXXX}, of which only {XXXX} has been applied to the principal balance. The remaining {XXXX} has been applied toward the interest. Since learning that Big Picture Loans is a tribal lender, I was made aware of the fact that this tribal lenders are not licensed to give or collect on loans in the state of Missouri, where I reside.
Consumer complaint received 2017-12-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

In XX/XX/XXXX, I called to talk to DITECH regarding my escrow increasing from an escrow analysis performed in XX/XX/XXXX. They were increasing my mortgage payment due to an escrow increase. I asked them why they paid my taxes in XX/XX/XXXX when it should have been a XX/XX/XXXX for XX/XX/XXXX. I told them that paying early effects the low point in the calculations and they said it would not happen again. Come XX/XX/XXXX I  found that they paid it again over 60 days early instead of XX/XX/XXXX when the payment should have been applied. This directly contradicted the escrow schedule provided in XX/XX/XXXX. I called them and asked for an explanation on why this occurred again. They said someone from Escrow would call me within 3 weeks. I waited the 3 weeks and no return call or correspondence came. I did however receive a notice that they were transferring the servicing of my account. This just seems like they transferred me out of retaliation when I was questioning them for manipulating the numbers to get more money out of me. I know they can have a cushion of 1/6 your annual escrow payout, and that they can bring the lowpoint to the cushion level. I feel that they are intentionally manipulating the numbers by estimating payments in one month but paying early to increase the lowpoint difference. I feel this is a shady business practice and down right predatory as we have no say in the transfers of servicing. Now I have to deal with the ramification of their miscalculations with another service provider. Since they have sold it, it now shows my lowpoint as XXXX when it should have shown a balance of XXXX which means they will charge me more money to bring up the lowpoint to the cushion. 

They need to be investigated for fraudulent manipulation of escrows as I am sure I am not the only one whom has had them do this. 

Also I think retaliation is a big issue.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NJ)

I am disputing the late fees charge of XXXX}, which should have been removed when the XXXX XXXX grant was applied to your loan balance on XXXX/XXXX/XXXX. Please Review and Correct the problem. 
Investors Bank loan XXXX Thanks XXXX XXXX XXXX
Consumer complaint received 2016-01-27
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: FORD MOTOR CREDIT CO. (PA)

I voluntarily gave back my care after a horrible divorce in XX/XX/XXXX. I lost my house I was battling my son 's XXXX which he later passed in XX/XX/XXXX. Ford Credit filed judgement in XX/XX/XXXX they served me at my work place. I have not had one letter or call until last week my credit union XXXX called and advised they garnished my account. My bank told me tbat tbey sent notice to my address which was XXXX XXXX., XXXX pa. I have never lived there in my life. Attorney XXXX XXXX of XXXX PA is the debt attorney and a I spoked to him and he will not budge he wants my entire XXXX plus payment arrangements for the remainder of the XXXX he says I owe. The car was a XXXX focus hatchback. Can you help me to get my life 's savings back k
Consumer complaint received 2017-12-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

About a year ago or little long I received a personal loan from XXXX for {$1000.00} or {$1200.00}. I noticed couple months ago that on the XXXX web-sit was offering a loan, that I believed to be a loan for extra money, great with XXXX so near. There was n't any extra money, but a refinance. I have never been late on this loan or have missed payments. Up until this time did n't I have reason to mistrust XXXX and their practices. I would find out quickly that this was n't the case. I spoke to two employees and I stated that the contract said I could cancel the loan and return to my old, they were no help at all, they told me it could n't be done, with no information given. The first loan would be paid off in XXXX, which is drawing near and the second loan would pay off XXXX. The first loans payment was {$130.00}. and second is {$100.00}. a difference of {$.00}. The first loan had a balance of {$1200.00}. The second loan total {$3700.00}, which is difference of {$2500.00} why on earth would I agree to pay a {$2500.00} extra to get a break of a whole {$33.00} dollars month. 

I would like to return to loan amount with a lower interest rate. Had to copy/paste to get it download.
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

Current status, I have 3 loans through Navient. They are currently in grace period, but I have been making payments. 

XX/XX/XXXX - I paid {$2000.00} towards my loans. Navient withdrew {$2000.00} from my account and only applied {$1500.00} to my principle and interest. My Navient account reflects I only paid a total of {$1500.00}, however, my bank account is reflecting {$2000.00} has been withdrawn and the other {$500.00} has never been applied to my loans or refunded. An email from Navient on the date of payment reflects {$2000.00} was paid despite only {$1500.00} being applied. 

XX/XX/XXXX - I paid {$1000.00} towards each of my 3 loan accounts ( {$330.00} to each ). Again, Navient withdrew the {$1000.00}, but only applied {$330.00} to two of my accounts, totaling {$670.00}. I have the email confirmation of the {$1000.00} payment being received, and my bank account reflects the withdrawal by Navient with no refund of the unaccounted for {$330.00}. 

When I called about this issue, I was told that I only paid the amounts that Navient applied and that they refunded the unapplied amounts ( which is not the case ). I called again and was told, " my manager said that the money is not showing on your account because it was automatically applied to the principle. '' This is complete deception, and fraud, by this loan servicer, as there is absolutely no evidence that funds in question were applied to any of my debt, although they were withdrawn from my bank account and never refunded. 

If I looked beyond these two events, I 'm sure that my account would reflect more fraud by Navient. I will provide emails of payment confirmations and bank account withdrawals that reflect exact amounts on confirmations to compare to the inaccurate numbers on my Navient Account History page upon request.
Consumer complaint received 2015-12-07
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (OR)

I got a reverse mortgage in 2005 to pay off a previous reverse mortgage and get funds to help my granddaughter who had XXXX. 
I previously also had a property tax deferral through my state of Oregon. After the reverse mortgage was completed I reapplied to defer future property taxes. I pay my own property insurance. Something went wrong and the property deferral was delayed for two years and because of this the reverse mortgage company paid the delinquent taxes. 
After many calls from the reverse mortgage company ( Financial Freedom ) we agreed on a repayment plan of {$10.00} per month. That was deducted from my bank account for a number of years. The reverse mortgage company then claimed it was taking too long to pay off the balance and demanded more money per month. We agreed on {$25.00} per month. Then after a few more years they started calling demanding the full amount or they would foreclose on the house. I have received many threatening calls from the reverse mortgage company and possibly a collection agency company. 
We agreed on the {$25.00} per month so I am holding them to this agreement, but I am concerned they will start foreclosure on my home. 
I am low income, living on social security. I am XXXX years old. I need help to resolve this situation and stop the threatening calls which are stressing me out and causing XXXX problems. I have XXXX XXXX XXXX and do n't need additional stress. 
I would appreciate any help. 
thank you, XXXX XXXX
Consumer complaint received 2017-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (KY)

I went into the branch on Tuesday XXXX/XXXX/XXXX at XXXX I went into the branch and spoke with XXXX XXXX at the XXXX XXXX branch. My account was negative {$540.00}. There were {$750.00} in over draft fees. The card should not have been authorized when it was declined. I did not opt into overdraft protection. Multiple transactions had gone through on the account over 30 items at {$36.00} per items. I had several account activity transactions summaries printed which showed that the debits were posted at midnight but the deposit posted at XXXX. I asked why the debits where posted prior to the deposit which would clearly cause me financial harm and financial harm to my employees he said the only person who could help me was the Assistant Vice President XXXX XXXX. He advised me to get a loan to help cover the fees, ask a friend or contact XXXX XXXX XXXX. He also suggested I apply for a line of credit with a guarantor. He proceeded to reverse one overdraft fee and again referred me to XXXX XXXX. I have called and left her several messages. She never calls me back, she is never there when I stop in. The account has been accruing {$18.00} per day while I try and contact the only person I was told can fix it. This is my business account attached to my EIN so I need to have this corrected. I was advised that I could not close or open one business account. I do n't understand why they will not help me. This is caused more financial hardship and the only advice I received was to get a loan which causes more financial distress. This all seems unethical. I am being avoided and eventually the account will charge off.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

The issue is happen in XXXX XXXX, 2017. I am a foreign people who are using the Coinbase service to purchase cryptocoins. I can able to purchase and sell coins before XXXX. However, the policy changes on XXXX without any notification. I am required to provide a SSN in order to sell ( or buy ) the coins. Since I am not holding any SSN and coinbase does not inform about the SSN issue, all of my money in coinbase in locked ( around {$3000.00} USD, all of my fund are come from my parent as a gift ). I can not able to withdraw and input any dollar inside, and they are holding all of my coins. If coinbase needs to modify their policy, they should first notice to the customers first or they should n't give a open account to foreign people. I am asking to temporary open buy/sell platform for 7 days in order to sell all of my cryptocoins. Otherwise, coinbase is taking my property using cryptocoins
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

XXXX XXXX stated they stopped collection on my account. I would like XXXX XXXX to provide me with a letter stating the facts. 

The letter should address : -Date they sent account out of their offices -Reason they sent account out of their offices -To whom they sold account to - That they no longer have rights to account and I am not responsible for any payments to them This account is being pursued by multiple collection agencies and I had already disputed it being mine previously. This is not my debt.
Consumer complaint received 2017-12-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MN)

I was not expecting to pay for this long I was in need of a few hundred dollars to pay my rent so that me and my children would not be left out in the cold streets of Minnesota. I was not told of the interest when I talked on the phone with the person and was told that I could pay it off in full one I have the chance but it would me less. The interest rate is not what I was told it would be on the phone. once I received the documents the loan was already processed and I could not get out of it. Now I am struggling even more to pay my monthly bills because they are taking out XXXX every two weeks.

Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01XX/XX/XXXX {$470.00} {$43.00} {$110.00} {$72.00} {$430.00} Regular Current 02 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 03 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 04 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 05 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular Current 06 XX/XX/XXXX{$420.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular 07 XX/XX/XXXX {$420.00} {$0.00} {$110.00} {$110.00} {$420.00} None 08 XX/XX/XXXX {$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 09 XX/XX/XXXX{$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 10 XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 11XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 12 XX/XX/XXXX {$420.00} {$3.00} {$110.00} {$110.00} {$410.00} None 13XX/XX/XXXX {$410.00} {$4.00} {$110.00} {$110.00} {$410.00} None 14 XX/XX/XXXX {$410.00} {$5.00} {$110.00} {$110.00} {$400.00} None 15 XX/XX/XXXX {$400.00} {$6.00} {$110.00} {$100.00} {$400.00} None 16XX/XX/XXXX {$400.00} {$8.00} {$110.00} {$100.00} {$390.00} None 17 XX/XX/XXXX {$390.00} {$10.00} {$110.00} {$100.00} {$380.00} None 18XX/XX/XXXX {$380.00} {$13.00} {$110.00} {$100.00} {$360.00} None 19 XX/XX/XXXX{$360.00} {$17.00} {$110.00} {$99.00} {$350.00} None 20 XX/XX/XXXX {$350.00} {$21.00} {$110.00} {$94.00} {$330.00} None 21 XX/XX/XXXX {$330.00} {$27.00} {$110.00} {$88.00} {$300.00} None 22 XX/XX/XXXX {$300.00} {$34.00} {$110.00} {$81.00} {$260.00} None 23 XX/XX/XXXX {$260.00} {$44.00} {$110.00} {$71.00} {$220.00} None 24 XX/XX/XXXX {$220.00} {$55.00} {$110.00} {$60.00} {$160.00} None 25XX/XX/XXXX {$160.00} {$70.00} {$110.00} {$45.00} {$97.00} None 26 XX/XX/XXXX {$97.00} {$97.00} {$120.00} {$26.00} {$0.00} None
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I sent two seperate letters to Experian & XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian & XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian & XXXX act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...