davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NH)

I have had what I thought was a morgage on my mobile home for the past 17 years ... a $ XXXX/30 yr morgage with 13.5 interest rate. Recently I learned that it was not a morgage but a regular loan with " Ditech '' formerly Greentree. They took over GreenTree loans earlier this year and it has been an awful experience. I was working with Greetree due to unemployment, when I could not get in touch with them. I finally had someone from ditech call me, harrasing me, referring to me as " baby girl '' telling me I better have somewhere to go cuz I 'm outa there!!! I was beside myself. I tried to explain that I had been working with GreenTree, that they were supposed to move a payment to the back of my loan. He said it did n't matter due to Ditech taking over. He would call and call, when I answered he would say crued things and eventually I stopped answering. I got to scared to call, scared to answer. He goes by the name Mr.MacDonald. This was just some of it. Since XXXX they have refused any payment from me ... saying they were bringing to the next level. In XXXX I paid two months. I 've tried to pay since ... they say now that because it 's past 90 days they can not accept payment ... .because it 's gone to their attorney. It was not 90 days late when they innitially refused payment. 
Help!! I do n't even qualify for a home loan modification, because it 's not a morgage???? I was never told that. I 've always known it to be a morgage.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MS)

My mortgage was with Greentree Servicing and recently changed to Ditech Financial LLC I received a letter from the foreclosure attorney XXXX XXXX XXXX stating they were going to foreclose on my property XX/XX/XXXX the letter is dated XX/XX/XXXX and the sale is set for less than thirty days. I understand by Law I 'm suppose to a receive a 30 day notice before the sale was set. I submitted a modification request and financials to Green Tree Servicing several times they have been unwilling to work with me, and now I have a new mortgage company Dietech. I want to keep my house, please help me.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (RI)

The Company Ditech is harassing me with phone calls. They have stated in the past specifically to XXXX. That I was on a no contact list. They are still calling. They lied to XXXX. I have told them to stop. They continued to call. On the XXXX of XXXX I received two calls within 4 Hours. I have told them to stop and they continue. I have also sent them a cease and desist letter. In the past they have called my neighbor.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

My loans were in deferment for 1.5 years during XXXX school. As I was planning to begin repayments of prior loans and loans ending their grace period, I noted many inconsistencies on my online account. The online accounts are not updated to reflect payments made regularly. It was also impossible to determine when payments were due for different loans. This information was not only unavailable online, but inconsistent with different customer service representatives even within the same day. Over the last month, I had been contemplating consolidating with another company due to the poor service. I am a responsible consumer and my experience in trying to repay my loans has been terrible. I do not trust this company in servicing my student debt and educational investments.
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (OK)

I recently paid off a vehicle with Chase Auto Finance, the exact date being XXXX XXXX ( considering we were n't allowed to submit payments XXXX XXXX XXXX ). The normal procedure as stated on the website was then to issue me my title to the vehicle within two business days. Well, it has been over a month and I have yet to receive it. I have called numerous times and each time I speak to someone they have to issue a " request '' to a different department to get my release issued and title mailed and also, to close my account. They then give me a ten day deadline, and ask that I call after the ten days has ended. Each time, they simply postpone the deadline. I finally drive to a storefront Chase Bank who then says they are going to overnight me my title. I received this letter the next, and all it includes is a lien-release. I go to the XXXX who then says they can do nothing for that. All I want is my title, which I rightfully own, and for this company to stop reporting to the credit bureaus that I have an open account when I paid it off over a month ago. I have been a good customer and have paid my loan in full in good faith, and they ca n't even issue me my title to my vehicle and give me what I rightfully own. This has even prohibited me from selling my vehicle twice, a total of {$25000.00} lost.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

Im going through XXXX and need help ... on XX/XX/2017 my checking account was accessed with the intent of syphoning off money, we know it was the computer tech we hired. While he was in my acct he accesed our company acct and the XXXX applied {$150.00} to my att acct from the business checking acct. I mean if you 're going to rip some one off at least do it right. Chase bank is refusing to retract the pmt from XXXX, citing because it was my acct that was paid its not fraud. They refused to open a file and conduct an investigation. XXXX XXXX claims specialist, Sup XXXX XXXX XXXX x XXXX
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Fraudulent activity of my checking. XXXX checks written fraudently and XXXX wire transfer for almost {$200000.00}. Reported to chase bank. Sign affidavit. Was told that the checks were obvious forgery. I have the supposed checks used at my house unused. All monies were sent to a gold dealer. Have no received any communication. Chase overdrafted and approve monies from savings to checking. No red flag was issued. I was out of the country when this happened. My online access was blocked since XX/XX/2015 and I stop receiving statements as of XX/XX/2015. Called in XX/XX/XXXX and found out the balance of my account and that 's when we became aware of the fraudulent activity. Chase is now refusing to reimburse my monies. When I was assured my monies would be reimbursed within 10 days
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I had been accruing a lot of fees on my account, like several a day. After speaking with numerous managers they agreed to waive MOST of the fees XX/XX/2016. I explained that I wanted to turn overdraft protection off and have my card to decline when there is n't enough funds available on my card. Somehow, during the conversation with the bank representative, I was enrolled into debit card coverage which in turn, created the same issue I was trying to avoid. Just recently I 've been charged with XXXX insufficient funds fees and they are refusing to waive them. This creates so much debt for me and that money I needed to pay bills which is going to put me behind. I 'm not even sure of how to resolve this.
Consumer complaint received 2016-07-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (TX)

I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.
Consumer complaint received 2016-05-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (OH)

XXXX payments every month not XXXX! Impossible to pay off with rise credit. Have made numerous attempts to contact them regarding settlement and have been ignored. Payments were always processed a day before the due date. The loan Sharks should be outlawed. They claim interest rate goes down- not true at all
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (GA)

I sent the company a letter asking for debt validation and I did not receive anything from them. I received a collection letter a week or two after I faxed the debt validation letter to them, as if they were just assigned the debt, which is not the case. I faxed another letter disputing the debt on XX/XX/XXXX and I still have not heard nothing from this company.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MI)

I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AFNI INC. (IL)

This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (TX)

Between XX/XX/XXXX and XX/XX/XXXX I was preapproved for several credit cards threw Credit Karma and I was denied. This has created a negative impact on my credit score.
Consumer complaint received 2016-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

There is achatge of {$510.00} placed on my credit by, AFNI , INC . 
Address : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Number:XXXX, Original Creditor : XXXX That I do not recognize. I have requested more information on this account and disputed this item several times, but no changes as of now. Please help to identify this item and cancel, since it does not look familiar. Thank you
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

In XX/XX/2018 Quicken Loans called and asked if I wanted to refinance my home at a lower interest rate and since I had a lot of equity in my home I could pull some out for things needed around my home. Since Quicken Loans already handled my mortgage the person I was talking to said there would be no problem with me increasing what I owed on my mortgage. I asked if I needed to pay off any of my debts and he said it was up to me on how I receive the funds. 
My wife and I had just returned from a trip to XXXX XXXX and we had purchased a timeshare through XXXX. When asked if I could use some of the funds to pay off XXXX it was related to me that it was strictly up to me on how the funds were to be used. I was told that I could receive the total amount and pay XXXX on my own or they could issue a check directly. The loan was closed and a check was made out to XXXX and mailed to me. 
During this transaction my wife and I found that information we received during the XXXX presentation was not true. Because of the misrepresentation, we ask XXXX to void the contract. 
I called XXXX and asked if the could reissue the check to me instead of XXXX. They had me contact their title company, XXXX XXXX Arizona XXXX XXXX to request that the check be reissued to me. The title company directed me back to Quicken Loans. 
Quicken Loans is refusing to reissue and release the {$12000.00} to me. 
As of this date XXXX XXXX they are holding monies that I am paying mortgage payments on. 
I am requesting that they release these funds and pay interest from the date of the closing of the loans to their release date.
Consumer complaint received 2015-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (OH)

Multiple calls and now a mailed invoice from Capio Partners LLC that claim I owe the XXXX XXXX XXXX a {$50.00} co-pay. I do not have a {$50.00} copay with the Clinic any copay I have is in the amount of {$35.00}. I called billing at the clinic and was told I owe nothing. I want Capio LLC to quit harassing me.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (IL)

Hello. I had a mortgage with Loan Depot for over 2.5 years. I have refinanced and the loan was paid off by my current lender. However, my bank sent one more mortgage payment, after the loan was paid off and Loan Depot received the money. Here is the transmission information : XXXX, and the confirmation number is XXXX. However, Loan Depot is telling me they do not have the money and they are not refunding XXXX which my bank paid on XXXX/XXXX/17. I have not been able to get anyone at Loan Depot to check into this and get me my money back. I have a ton of correspondence and I called, at no avail. Loan Depot is not entitled to this money and they need to return it to my account.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (TX)

Please refer to complaint XXXX. XXXX took the appropriate steps and removed the items with the same documentation and citations of the errors. Equifax 's response is not acceptable as they did not state they have removed the erroneous item.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

On XX/XX/XXXX, I transferred ( online ) {$16000.00} in crypto currency to

my account at Coinbase Exchange. By mistake, I sent a form of curre ncy that Coinbase does not handle.
Just the same, Coinbase accepted the deposit onto their deposit address.

The currency was not deposited to my account, and it was not returned back to me.

Coinbase now says it is gone.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I made a payment of {$1000.00} to be applied to principal in addition to my regular mortgage payment XX/XX/2016. DiTech financial applied as an additional mortgage payment, not to principal. I 've contact them via telephone and email and they simply send me letter telling me that they are reviewing the matter. They still have not applied the additional payment to the principal as of XX/XX/2016.
Consumer complaint received 2015-06-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (OR)

I have private law school loans through ACS. I enrolled in " Checkmate II '' in order to gain a 0.25 % reduction in my interest and then pre-paid my loans so that the next mandatory payment would be in 2017. 

Recently ACS changed their system and announced that they would draw monthly funds from my bank account for the pre-paid loans. I complained, as I had pre-paid the loans and the pre-pay status was part of the reason I had done that. ACS agreed to not draw funds for my pre-paid loans, but they also cancelled my enrollment in Checkmate II ( functionally giving me a 0.25 % increase in interest ). This was a change to their system and it was not disclosed when I pre-paid my loans, and functions as a tax on me for doing the responsible thing and setting my loans into pre-pay status.
Consumer complaint received 2016-08-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services (VA)

I enrolled in XXXX classes in XXXX of XXXX. I completed the course XXXX XXXX. When you are are enrolled at least half time your student loan status us supposed to be in a deferment status. When I started class my payments were not due.after months of receiving late notices I contacted the lender.They said they were n't aware I was a student, that my school was n't is n't the system.they sent the documentation that needed to be filled out and signed by my instructor. I had it all completely filled out as instructed, signed, and returned. I was denied the student deferment and my account is still in a late status. I do not see how this is at a fair. I 'm already paying triple the amount for an XXXX XXXX through this lender and ca n't afford the loan as it is. I was very young when I signed for this loan, not knowing my options. I 'm XXXX now paying for the misguided XXXX old that signed a loan thinking I would make such a great living and pay this loan off in no time! The least they can do is work with you when you are furthering your education.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp (GA)

CAC Financial Corp is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Consumer complaint received 2015-11-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

They locked my account for the reason that I was not too active and sent the money to unclaimed funds somewhere. I came into the branch today to ask for the log in and found out. Now, I do n't even know where they sent {$1500.00} to. I asked them and all they said was that they do n't know.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX we opened a Lease with XXXX DBA XXXX KIA XXXX , XXXX XXXX. The first person on the Lease was my wife XXXX who was n't driver ( she had a driver ID only ) of the car ; 2014 KIA Soul Plus XXXX. The driver of the vehicle was me ( her husband ) ; XXXX. I was paying the lease and insurance working in XXXX. 
After I did update my XXXX insurance policy to XXXX without changing registration from XXXX ( the insurance did n't tell me anything about it! ) we where told by KIA Finance that we have no choice, but return car to them ; effectively ending the lease! My pleading with them to continue the lease by me where not honored. On XX/XX/XXXX I was forced to return the car to KIA despite my good records of payments. By the way the original car dealer in XXXX, by the name XX/XX/XXXX dissapeared. Soon after we received from KIA Finance letter with a balance of {$3700.00} for account number XXXX for Kia Soul 4dr Wgn + At, VIN : XXXX. On my phone inquiry how they came out with the amount I was told that this was the difference between the sale price and the real value of the car. On my further questions how they did calculate that became clear to me that, this was the real reason why they refused the lease to continue since they could have control over the transaction to the point of guarantee to have it in black. Question is ; who was the lucky buyer in this transaction and did KIA have any incentives to take the real value for the car. 
The whole thing looks like rigged transaction at my expense from the beginning.