davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MA)

My name is XXXX XXXX, SSN XXXX. I cosigned for a loan for my daughter XXXX XXXX XXXX. I filed a complaint against Navient a few months ago because Navient reported 90 late payment to the credit bureaus after constant communication with them. In XXXX 2015 I was told to make a payment to stop the reporting and at that same time I was reported as being 90 days late. I have never committed to monthly payments or I would have paid them. XXXX communicated with Navient re : her payments. I have never had a late payment with Navient. Their agreement was with XXXX to pay monthly that I was not a party of. In XX/XX/XXXX, I paid the {$500.00} to clear my name and they will not change the status on my report. I think the late 90 day notice should be reported on XXXX 's report no mine. I have been denied a house loan because of this I did not agree to pay. Also, Navient continues to harass me weekly. XXXX has been in school full time since XXXX 2015, and I get calls every Sat and Sunday although an in-school deferment was submitted. I would like to have someone follow up and assist me with this complaint. To date, I have not outstanding loans with Navient and have never had a late payment. Please help. I would like to purchase my home but need the 90-day late payment deleted from my report. XXXX XXXX
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

I have XXXX paid loans from XX/XX/2006 that show eight late payments that need to updated. I was not late. I was actually in school at the time at a new school. I paid these off in full, as well.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

On XXXX/XXXX/16 a late payment was processed through DITECH CO for XXXX ( my XX/XX/XXXX payment and made a future dated payment for XX/XX/XXXX which would have been drafted XX/XX/XXXX. On XXXX/XXXX/16 a web bill pay was made through my bank in the amount of XXXX to GREENTREE SERV TYPE ( this was a Payment that should have been stopped by my bank since a cancellation was requested on XXXX/XXXX/16 because I made a payment directly through DITECH CO., my bank XXXX XXXX XXXX said they were unable to stop it because it went through as GREENTREE. ) due to this mistake my account became overdrawn. I spoke with DITECH CO on XXXX/XXXX/16 who agreed to return funds within 4-5 business days. This was not done. After numerous calls made to get the funds and getting the run around it was now XX/XX/XXXX. I told the representative to keep the funds and apply to my account for XX/XX/XXXX payment since we are in XX/XX/XXXX now. They said ok. 2 weeks later I get a notice of default because my XX/XX/XXXX payment has not been paid and I 'm still owing on XX/XX/XXXX payment ( which is lost by them in the first place ) so I call back and spoke to XXXX who said he will take care of it personally and advised me to make my XX/XX/XXXX payment in good faith that XX/XX/XXXX will be resolved. So I did. Now two more weeks later I called them because I 'm getting ready to pay XX/XX/XXXX and they still are saying I 'm behind a month and keep giving me the run around. They told me today I have to wait 30 more business days. I just want somebody to help me get this resolved because I am being given the run around and my credit is being affected.
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Ditech mortgage continues to misapply my principal payments. After my initial complaint at a XX/XX/2016 they properly applied one maybe two payments. Unfortunately, Every principal only payment has been misapplied in the last few months. I have made numerous complaints and have received no relief. I called in several times to complain about the missaplied XX/XX/XXXX payment and have yet to see it properly applied.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

I had purchased a home in XXXX. It was later sold to Greentree services. I had got married and when we decided to divorce. I was the only person who was working. I was working XXXX hours a week. When the plant stopped overtime I had gotten behind on the mortgage. I had got it caught up. Then in XXXX the XXXX ( I worked 9 years ) decided to close down. Before they closed I had gotten behind. I called and talked to a representative and he told me if I could catch it up before I lost my job. He would deferr my payment for 3months to help me while I looked for a job. I was to call on a certain day and talk to him. I did as he told me. But when I called him back on the day he told me. He said that he could n't deferr my payment because I did n't have a job? I found a job an hour away. When gas prices starting getting high in XXXX. I had got behind again. I started getting phone calls at work. In XXXX my wife and I decided to purchase a bigger home. I had called Greentree asking if I could sell the property and pay the remaining balance. I was told that I could send in an offer. That they sometimes accept lower offers. I had a sister that wanted to take over payments ( they said no ) and I had XXXX offers of {$25000.00}. I called and asked if the offer was accepted and they said that I did n't write down the dollar amount. I had faxed the offer and reasons on XXXX page? After the mortgage was foreclosed on. I found out that they had sold the property for {$4000.00}. And I owe the rest of the mortgage. After foreclosure process I had tried to set up some type of payment. But when I called and said that I did n't think it was fair that I had to pay the {$19000.00} that they lost by selling it their selves. And the woman rudely told me I had to pay all of it. After the foreclosure they had told me that since I could n't make a payment. I could fill out a hardship form. I had did as I was told and once again I was denied. Another problem I have is that on XXXX occasion when I was behind. They called my sisters ( that was on my account ) and my neighbor and had told them each how much I was behind and if I do n't pay the entire amount was due ( again told them exact dollar amount )
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

in XX/XX/XXXX I co-signed a loan for my step-daughter to buy a double wide modular home, she paid her mortgage for XXXX years until her husband did not pay their school taxes for a few years, the county of XXXX pa., sold the home for {$1500.00} for the taxes. no one notified me of any of this until much later. greentree finance was notified even befor the house was sold yet did not let me know. since the taxes were in XXXX name and not mine I do not feel I should be responsible for the loan especially since greentree finance demands that I pay for insurance on the house yet tells me forget the house I still have to pay for the loan. the building is worth more than the loan and I told greentree that I would gladly sign the title over to them since they should have a lien to be able to collect from the new owner. XXXX in a XXXX in XX/XX/XXXX. greentree has a collection notice on my credit report showing XXXX dollars do but still calls me to pay
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Mortgage Company re-institute private mortgage insurance ( PMI ) after principal amount of loan has fallen far below the XXXX percent mark as required by law for PMI. No person answering or responding to any phone calls to know why the PMI has reappeared on the payments statement and explanation for " other '' on the payment statement
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MRS BPO, LLC (NC)

The credit bureau is allowing inaccurate information of this account to be reported. The name of the company is MRS BPO, L.L.C and the creditor is XXXX XXXX they have recently added this account on my report with XXXX with a re aged date of XXXX/XXXX/2016 for {$310.00}.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (HI)

I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (IL)

I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (KS)

The firm EOS CCA in XXXX, MA contacted me saying I owe thousands of dollars to a phone company I have never used. I mailed them a dispute letter. In response they mailed me a copy of a bill, which is clearly not mine : incorrect last name, incorrect location of residence, account number I do n't recognize, service provider I have never used, etc. The evidence shows the debt is not mine.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

Following a series of financial hardships due to medical and work slowdowns, we were working with Selene Finance on a modification of our mortgage. 
We begin discussions with them on XXXX/XXXX/16 at which time we were assured by Selene that any other action would be placed on hold. We completed the package and returned to Selene on XXXX/XXXX/16. Without knowledge to us, the home was sold at auction on XXXX/XXXX/16 despite having been reassured multiple times that this action was placed on hold. On XXXX/XXXX/16 we received an eviction notification from the new owners of our home for 8 years where we have raised our family of XXXX children. Also on XXXX/XXXX/16 we received approval of our loan modification from Selene. Over the full course of attempting to work our a financial arrangement, we were moved from department to department and even had to deal with multiple law firms representing Selene through the process. Following this notification, we emailed and called Selene without response. When we indicated that we believed they had failed to honestly and legally represent themselves. We received a secure email link within the hour that contained a very intimidating letter that was not only factually incorrect, but written in a legalese that is difficult to understand.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (TX)

I have requested a copy of my statements for a closed account numerous times and they are sending out the wrong statements. The account is a closed Ace account and the crd no for this account ends in XXXX. I need XXXX and XXXX and that 's it and for unknown reason they are sending me different months and different years. I need them to be sent my email XXXX.
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

ERC collections (  XXXX  ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact.     For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number   in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my   wits end and I need these calls to stop.
Consumer complaint received 2015-10-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (FL)

In the end of XXXX, I joined XXXX. As an associate I was issued a payroll debit card administered by Skylightcard. Just this morning, I encountered a practice that seems very unfair, can be considered payroll theft actually by Skylight. 
Around XXXX today, I check and I have at least {$16.00} on the card. So I gased up in XXXX XXXX XXXX for {$10.00}. Now, after a minute I received a noticed that I owe them {$60.00} allegedly because they said it is automatic for them - to place {$55.00} advance whenever the card is used at the pump and that I need to pay them Overall {$50.00} overdraft fee.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

This is more of dispute than a complaint, but still is a matter pertaining to the amount paid and the current outstanding balance noted for my student loans. Navient, my current student loan servicer, does not have a dispute submission channel available and I believe this matter is beyond the scope of a normal escalation. I graduated with my XXXX XXXX XXXX in XXXX XXXX and have made all of my payments since graduation prior to the Due Date noted on each statement beginning with my first student loan payment on XXXX/XXXX/XXXX. My student loans have not always been held by the same servicing company. My first payments were made directly to the Department of Education, then the loans were serviced by XXXX XXXX, and most recently the loans have transferred to a different company called Navient. Navient 's customer portal is the first loan servicing company that has allowed me to see the entire transaction history for my account. Prior to this full history display I was only given statements itemizing what was due for the next immediate Due Date and was not provided with any information as to how payments were applied to principal and interest throughout the repayment process. The first payments I made were as follows : XXXX/XXXX/XXXX for {$500.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$350.00}, XXXX/XXXX/XXXX for {$1000.00}, XXXX/XXXX/XXXX for {$200.00}, and XXXX/XXXX/XXXX for {$1000.00}. These initial payments all total {$4600.00}. None of these payments are reflected in the entire history of my account despite all of these payments were made to the Department of Education directly. The lack of inclusion of these payments would then impact subsequent interest accrual as well as the remaining balance still due and loan maturity date/payoff date. I can provide bank statements as well as email confirmations from the respective loan servicing companies to account for the missing payments. I would like my account to be reviewed and corrected to show the proper balance as well as reflect ALL payments made to date. Through today ( XXXX/XXXX/XXXX ) I have paid {$10000.00} and the balance on my current outstanding balance is incorrectly noted on the Navient portal as {$10000.00}. 

In addition to this large payment discrepancy there are XXXX ( XXXX ) transactions that were all noted in the account history between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as " adjustments/fees. '' I was not notified of these fees and as my loan repayment history and credit report would indicate, I have never missed a payment to-date and would also like these fee assessments reviewed. If they were applied in error, I 'd like them removed as well.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

A visa credit card issued by Citi accepted a charge from a merchant who had either an incorrect credit card number or expiration date that passed or both. When I called to inquire how it could happen they said that for some select merchants who allegedly submit recurring charges there is a special treatment when it comes to changed credit card numbers and expiration dates that have passed -- they are provided with new credit card info so that they can continue to bill. 

I suggested that this was done without my consent, that the agreement is between the credit card company and the merchant and not with cardholder, that no cardholder can possibly understand dozens of pages of fine print with changing rules. I demanded that Citi remove the charge from my account and pay for it themselves. That it was unfair for them to violate the most fundamental security feature of the credit card and allow merchants to bill with wrong credit card number or past expiration date or both. I further explained that expired credit cards is what should prevent looters like the merchant in question to perpetrate inappropriate charges and contact consumer with a request for a new billing information. 

As an aside the card in question is not in my posession and I believe it was cancelled. When I asked them to tell me what was the expiration date on the active card it date when it was issued. As a result I can not even present the merchant with a proof that they did something inappropriate - bill with a wrong credit card information and get a new credit card info from Citi when both of them realized that credit card number or expitation date changed.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I am very concerned with the inaccurate information provide by Citi Corp Credit Services, Citi Centralize Recovery Bankruptcy Department, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX to XXXX of my creditors. 1. Macy 's XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. 2. Shell/CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 3. XXXX/CBNA XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 4. Best Buy Credit Services, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. The information is inaccurate because I never have filed for Bankruptcy, there is no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. I have attempted time and time again to clear this matter up with Citi Corp Credit Services. I am treated like I committed a crime, their personnel is rude and only focus on collection money for credit accounts that have always been paid on time. The XXXX as well as the Macy 's accounts are paid in full. I am lied to over and over again with statements such as we are looking into the matter and no resolution ever takes place. I have been stoned wall since XX/XX/2016. The Shell credit card was reinstated only to be deactivated on XX/XX/2016. The worst part is that I am a XXXX so they are not only destroying my good credit and reputation but my career and in turn my life. I have filed disputes with the credit bureaus, reviewed my credit reports on-line and requested a copy of my credit reports. As you know it will take time to receive my credit reports. I have no way of defending myself. As a 15 years XXXX veteran and someone who continues to work to XXXX, I find it very scary that my life can be turned upside down in this manner. Clearly this is a mistake on the part of Citibank Citi Corp Credit Services yet I can not get anyone to correct this mistake and I have been trying to solve this issue since XX/XX/2016 only to be treated as if my life does not matter. In this country a criminal is presumed to be innocent until proven guilty, yet I am assumed to be guilty of bankruptcy with no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. Please investigate this matter so this issue can be corrected and I can move on with my life. My credit cards with the listed companies have been placed on hold or cancelled due to this inaccurate information, please help me to resolve this situation and place my credit and accounts back in good standing.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TN)

I have requested a mortgage modification with my mortgage company CitiMortgage. My income has decreased. I want to keep my home I want my payment based on my current income so I can afford my payments. I received the foreclosure notice XXXX XXXX, 2016 by mail, the law in Tennessee state notice is to be given to the homeowner XXXX prior to the foreclosure per Tennessee code annotated. Please Help
Consumer complaint received 2015-04-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AZ)

I recently did a refinance on my XXXX mortgage with XXXX ( I believe it was a HARP refi ) and they were able to get my interest rate down to 4.25 % from 6.75 %. This reduced my payment by {$500.00} per month ( Kudos to XXXX ). But the problem that I have is actually with my XXXX mortgage which is with Citibank. With Citibank, I am stuck in a 8.125 % interest rate loan with huge balloon payment due in 5 years. Over the past 10 years, I have only managed to pay {$5700.00} in principal against the original {$57000.00}. Aside from the {$15.00} in interest I pay on a daily basis, I ca n't see how I will make the balloon payment unless I win the lottery. The loan was part of an XXXX piggyback deal predicated on the market going up. When the market tanked, my house lost half its value and I am still underwater. When I called Citibank on XXXX at XXXX PDT I spoke to XXXX different representatives : XXXX, XXXX and XXXX. It was very confusing being transferred between departments. They kept asking for the same information which I provided XXXX different times counting the automated system. The end result was XXXX telling me that Citibank ca n't help me.