davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

My complaint is with GreenTree Servicing. I took out a mortgage with them in 2001 when I had a full time job. My interest level was 10 %. I no longer have a full time job. Over the years I have contacted them when my mortgage fell behind. There has never been much help just bandaids to the problem. I am now collecting Social Security benefits and do not work. I have attempted to get my interest rate ( 10 % ) lowered on numerous times but to no avail. The first time I applied for the MAKING HOMES AFFORDABLE PROGRAM, program I was told to submit the documentation and I did. I would get notices that I was missing documentation, etc. which was not true. If I called customer service to see where I was in the process I was told to contact the XXXX XXXX office. Finally after weeks I gave up and sent them a letter saying I was tired of it all and just gave up. Next time I attempted was about a year ago. Submitted everything, and never heard a word. Waited, Waited and Waited. Finally I called Green Tree 's XXXX number and spoke to someone who told me ( after I jumped through all the paperwork hoops ) that GREEN TREE did not participate in the program. So, another road block to get help with this mortgage. My mortgage was for 30 years. I still have 15 years left and I still owe almost as much as I started out with because of the outrageous interest rate. Are there any programs out there to help people in my situation? My loan payment is being eaten up by the interest and I do n't believe GREEN TREE treated me fairly when I tried over and over to get help.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (KS)

MY MOTHER PASSED AWAY ON XX/XX/XXXX I AM THE ONLY CHILD AND HEIR TO HER ESTATE. IT TOOK ME OVER 9 MONTHS TO FIND HER WILL AND GET THE DEATH CERTIFICATE. I SENT DITECH FINANCIAL LLC ALL DOCUMENT REQUIRED BUY THE STATE OF KANSAS MY RIGHT TO THE MOBILE HOME THAT ME AND MY MOTHER LIVED IN. THEY KEPT ON COMMING UP WITH OTHER FORMS I WAS REQUIRED TO FILE AND WHEN I CHECKED WITH THAT STATE OF KANSAS ATTONEY GENERALS OFFICE I WAS NOT REQUIRED TO HAVE THIS FORM. DURING THIS TIME THE HOME WAS FOR CLOSED ON AND I HAD TO GET OUT OR LOSE MY OWN POSSESIONS. THIS WAS XX/XX/XXXX. I DID GO TO COURT BUT IN THE JUDGES DESIOIN HE GAVE THE HOME TO DITECH. THEY HAVE CONTUIDE TO SEND BILLS AND NOW THEY SENT A LETTER STATING THEY BOUGHT INSURANCE IN MY NAME WHEN I CALLED AND IT WAS RECOREDED BY THEM I WAS TOLD AS HEIR SINCE MY MOTHERS DEATH IT WAS BUT IN MY NAME BECAUSE THE HOME WAS NOW MINE. HOW CAN THEY HAVE IT BOTH WAYS, THEY TOOK MY HOME SAYING I HAVE NO RIGHT AND BUY INSURANCE IN MY NAME. THE INSUANCE COMPANY IS OWED BY DITECH.
Consumer complaint received 2016-05-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KY)

I submitted a complaint last month about the notice I received from US Bank that after a " periodic review '' the Bank decided to close my {$500.00} Reserve Line. I disputed this closure on XX/XX/XXXX due to questionable timing of the closure and discrimination against my sudden ability to repay and avoid finance charges. The CFPB response to my complaint from US Bank was a generalized re-statement of their initial letter that I am disputing, but never addressed my actual concern. US Bank claimed they " periodically review '' credit lines and determined I was no longer eligible for my Reserve Line. I fully understand credit scores are not the only determining factor in creditworthiness. From XX/XX/XXXX-XX/XX/XXXX I had this Reserve Line & actively used it. During this time, I had a low credit score, high revolving credit lines that were being charged off, I was a student with no income, and no ability to repay. During this entire time I was accruing finance charges on this Reserve Line and rarely able to make a small payment. If US Bank periodically reviews eligibility, why was this credit line allowed to remain open for those five years opposed to today? Currently, my credit score has increased over XXXX points, I 've graduated from school, I have a job with the ability to repay, and low credit balances. The account closure notice came a month after I made my first large payment to this account in XX/XX/XXXX and have finally been making large dents in this debt in order to increase my creditworthiness and lower my debt-to-available credit ratio. Because I have suddenly been able to repay the credit extended to me and no longer susceptible to the finance charges, I am being punished and discriminated against with this account closure. Why can US Bank suddenly close a credit line the same month I start repaying it, even when I have a more positive credit worthiness than before when I was being charged abusive fees? How often does US Bank do these " periodic reviews '' if I was still able to use the Reserve Line and be charged fees from XX/XX/XXXX-XX/XX/XXXX? How is this recent periodic review a valid determination of my ability to repay, when prior reviews still allowed the account to remain in use. Why am I being punished now when I 'm finally recovering my financial situation? The expectation had been set that I was a trusted borrower despite my previous struggles, but none of these previous questions are being answered by US Bank to explain why this account is being coincidentally closed now.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I am writing to express my concern about Scottrade Bank when my online account was hacked while I was overseas. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after 20 phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here : XXXX I am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a de novo review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX, and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (VT)

I contacted US Bank because I was going through a divorce and need help with making sure that I could make my mortgage payments. I 've owned my home for six years, and never been late on a payment. My ex husband abandoned me and my XXXX month old son. I was told that US Bank offered many programs and that I would qualify for at least XXXX of them. So I applied for the loan modification, and was denied. I was n't given any other options! I applied again and was denied again. They said my income debt to ratio was too high. Well of course it would be! I have a mortgage and other bills! I thought the whole point of the loan modification was to help with you are having trouble!? I am now in the process of the short sale process, as well as the stages of foreclosure. I call the bank and email and they can not give me any answers to my questions. It 's like I 'm talking to robots. I have worked my whole life and to have my home taken away from me due to a divorce is so very sad. I 've never asked for assistance in my life, but when I really need it I 'm denied. How embarrassing this is for me. On top of this all, my ex husband has move to another state and is n't dealing with the stress of receiving certified mail, being served by the sheriff letters of foreclosure. What is the point of loan modification and offering it to someone? It gave me a little bit of hope then a nice smack in my face. I 'm looking for help! I 've drained every single account and IRA I had to try to keep my home. It 's a shame that my XXXX year old son and I are losing our home. I guess this is now the American dream.
Consumer complaint received 2015-05-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services (CA)

For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( {$900.00} and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. 
I do not want to default, but ca n't afford the montly payment. Many of the jobs that I am applying to require good credit so I may not be able to find employment once my loans go into default status.
Consumer complaint received 2015-07-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (NV)

I purchased a vehicle from Drive Time Acceptance in XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and DT 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (OK)

I got a secured card through Bank of Oklahoma, who does their credit cards through lan. I 've had it for almost a year and they charged me an annual {$35.00} fee for the first year, I asked to have the card switched over to a card with no annual fee because I always pay my bill in advance and never keep a balance. They would n't give change it without another annual fee so I asked that the account be closed. After I faxed them the letter they requested to close it I received a letter from them stating I would not receive my {$300.00} deposit until the review period which lasted until XXXX XXXX ( over a month after I sent them the letter XXXX. I never have carried a balance with them and always make my payment way in advance. I do not owe them anything on the card and they still refuse to give me my money back until the " review period '' is over. I have called XXXX times in the past week or XXXX trying to get my money back and I have been told multiple dates by different employees as to when my money will be returned.
Consumer complaint received 2016-04-07
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LoanCare, LLC (VA)

I missed a payment in XX/XX/XXXX with Loan Care. I applied several times for a Loan Modification, but was turned down each time. XXXX XXXX, they contacted me for a loan modification. Loan Care signed me up for their loan modification program. I had to make a payment XX/XX/XXXX, XXXX XXXX, and the XXXX of each month, which I did. I used my debit card, and noted the name of the person to whom I gave the payment, since they would never give me a confirmation number. XXXX XXXX, Loan Care turned my account over to XXXX XXXX XXXX ', which is another division of their company. I continued making my payments with XXXX ' per my agreement with Loan Care . When I completed the loan modification program, I attempted with a couple different companies to refinance my mortgage at a lower rate, which would lower my monthly payments. I learned The XXXX XXXX had reported my XX/XX/XXXX payment as late, and reported my XX/XX/XXXX payment as not being made. Thus no other company would do a refinance for me, and The XXXX XXXX could keep charging me a higher rate. I contacted the XXXX XXXX citing names and dates of my payments. They refused to remove their wrong information from my credit report, stating they could report whatever they wanted because I was in a loan modification program at the time.
Consumer complaint received 2017-02-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (VA)

I closed on my loan XXXX/XXXX/XXXX with XXXX. On XXXX/XXXX/XXXX I received a welcome letter stating the subservicing of my loan was transferred on XXXX/XXXX/XXXX from XXXX to LoanCare, XXXX on the behalf of XXXX the servicer of my mortgage.I had sent my first payment to XXXX because of the late notice of change. From XXXX XXXX, XXXX LoanCare could not find my first payment because it was mailed to XXXX. Therefore I was always 30 day behind. I mailed copies of cancelled checks from my bank to them but they could never find the payment. Well in XXXX XXXX I was out of work due to a XXXX injury from when I was in the service. In XXXX XXXX I went to county records and verified that the deed wad still with XXXX and that nothing had been changed from the day I purchased my home. On XXXX XXXX, XXXX I went to county records to notice that a substitution of trustees had been appointed and that XXXX XXXX was assigned the note and now the holder of the note having interest in the indebtedness secured by the deed of trust and then XXXX XXXX appoint and and substitute XXXX XXXX XXXX, XXXX, as trustee. Then I received a letter from my mortgage had been sold or otherwise transferred or assigned to a new owner XXXX as of XXXX/XXXX/XXXX. This was just informational purposes only and required to continue to make payments to my current servicer. Well LoanCare recently sent my payments back and wants to start foreclosure. I sent in paperwork for a modification and they denied me. I do not know why they denied me. They called me over the phone and said it was denied and that I would receive the reason why in the mail and also that they were starting the foreclosure procedure.
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IL)

I wrote in all of my personal information, and once I got to the identification verification page which consisted of questions to confirm who I am, none of them applied to me, such as car loans, credit cards and home loans opened in my name - between XX/XX/XXXX-XX/XX/XXXX. After answering N/A to all that did n't apply, I was show a page stating I have to manually mail in a request form. Now I 'm concerned that someone has my identity and is opening and being approved for large purchases in my name. XX/XX/XXXX, I moved to XXXX XXXX, where my maintaince guy through my apartment complex stole my Social Security Card and Birth Cirtificate as well as my sisters, and fled the state ( ACCORDING TO THE LEASING OFFICE ) Back then I did n't know how to report such fraud. Please Help.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX -- someone in my house of there people used my SS and ordered merchandise form this company. I received the merchandise, I think a dress, and I returned to this company and said I did not order. Their derogatory remark has lowered my score. If they check their inventory, this merchandise will be there. This room mate has long gone from my home but I have no proof that she ordered this is an assumption..
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. XXXX XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

This judgment is currently being reported to all three credit bureaus by a XXXX PARTY. It is against the law and the Fair Credit Reporting Act for a XXXX party to report a debit. I have reported this to the Georgia Department of Consumer Affairs and have asked for their guidance with this. Equifax refuses to remove the judgment as the information being reported is wrong. The listed amount owed on the report is wrong and the paid amount is wrong. 
The information can be verified by the XXXX County Court House as I was told by them on XXXX different occasions about this debit and was told that a XXXX party ( whom they will not disclose ) comes in and goes through their records and reports the judgments. But not on their behalf but as a private XXXX party company. XXXX County Court does not report any information to credit bureaus and the debit is not being reported by the original creditor. 
I am requesting that this judgment be totally removed from by credit file. The information can be verified at XXXX County Court House XXXX XXXX. Case number XXXX. My credit file was updated to show that the debit was satisfied but after speaking with the XXXX County Court and learning that the information is not reported by them I am asking for it to be removed all together for my credit file.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have requested that Equifax remove inaccurate information from my report since XXXX 2016. Not only are they reporting false information that I have requested verification of debt on they have failed to provide to me. They just keep sending me letters saying that they verified the debt but no proof. They also have the same accounts on my report XXXX which is negatively affecting my score and causing me great XXXX. I contacted the federal trade commission they advised me to write them and give them a chance to correct it and they have failed to do so I will attach the XXXX accounts and proof that I sent everything certified mail. I have asked them to provide me contracts and signatures saying that I had an account with XXXX XXXX and XXXX XXXX XXXX. Why are these on my credit report XXXX for the same amount and they fail to fix it. I have spoke with a lawyer my first step is you and my next step is to sue. This is causing me great XXXX. Please help me with this situation attached is the proof. Please take a close look at how these items are on my report XXXX for the same amount for the same company. I do n't know what else to do I have contacted them numerous times. They can not verify that I had an account with XXXX XXXX or XXXX.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX has not removed an inquiry on my credit report from XXXX which was from a fraudulent attempt to obtain credit in my name. XXXX requested XXXX XXXX XXXX to remove their inquiry on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX without success. On XXXX/XXXX/XXXX I sent XXXX a letter at their request asking this inquiry be removed. I also attached a notarized copy of the Federal Trade Commission Identity Theft Affidavit showing the XXXX inquiry that was made as a result of identity theft. It has been almost seven months and I have not been able to have Equifax remove this hard inquiry by XXXX despite the XXXX requests from XXXX and my letter and FTC Affidavit requesting the same. The other XXXX credit reporting agencies have acted upon these requests and Equifax has not for some reason.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

In 2012 I was advise by XXXX XXXX XXXX to stop making my mortgage payment in order to qualify for a short sale. This information was not correct, since I could still be making my payments and apply for the process. Before this, I had a perfect credit. Now for this wrongful advice my credit is hurt.