davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (OR)

My home that I live in in XXXX, XXXX at present recently sold, it is closing on XXXX XXXX, XXXX. Originally XXXX was the XXXX lien holder who sold note to XXXX XXXX XXXX then Green Tree Servicing then currently Ditech is the servicing company. There is also a XXXX mortgage on this home that is serviced through XXXX whom is reporting in good standing and was originally serviced by XXXX then XXXX XXXX XXXX. XXXX is not showing any bankruptcy what so ever. I am working with my lender on a new home in XXXX, XXXX which is to close around XXXX XXXX. 
XX/XX/XXXX I was discharged from bankruptcy court filing chapter XXXX but kept my home that I 'm selling and a rental property in XXXX which is serviced through XXXX XXXX, always has been. For some reason none of the properties were reaffirmed and of course it is to late because banks wo n't let this happen after discharge. I have every intention of following through with my loan obligations. While working on a new loan with my lender for the purchase of the XXXX home we have discovered that Ditech is not reporting my good standing to credit bureau. This is affecting me in regards to getting the best possible scenario in a loan. I 'm in desperate need of your help in talking to Ditech by XX/XX/XXXX as that loan is getting ready to be paid off. It would be beneficial for them to report on my behalf. My attorney that did my BK called XXXX XXXX ( XXXX property ) XX/XX/XXXX to help me to get them to report to credit bureau because of same scenario. They are now reporting me in good standing to credit bureau. I Have worked hard to regain my credit and good standing. If you can help in any manner it would be greatly appreciated.
Consumer complaint received 2016-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (CA)

My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with XXXX and ECMC because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, ECMC, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer XXXX. I 've never had any way of knowing that XXXX now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH ECMC, who I had been paying faithfully. Finally, ECMC lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I 'm XXXX XXXX XXXX, and the principal on my student loan has doubled the amount I borrowed nearly 25 years ago ( $ XXXX for both XXXX and XXXX ). I 've been paying monthly on-and-off ( between deferments ) for about 16 years, amounts between $ XXXX $ XXXX. I 'll restate : I 've been paying my student loan for 16 years, and none of my payments have gone to the principal of the loan, which, if applied correctly, would have been paid off by now. ( I 've calculated I 've paid nearly $ 40K over the span of 16 years ). 

I had federal loans originally. Then I consolidated with XXXX XXXX. XXXX XXXX gouged me with capital interest, then, when they were having legal troubles, cleverly split their company off to the company I now deal with : Navient. 

For someone like me : XXXX XXXX XXXX, been out of college for 20 years, consistently paid what I could throughout the years, there is no hope of help for me. I have literally just given {$40000.00} of my money away. None of my payments have gone to paying my loan. And I am in more debt than when I started college. I believe when XXXX XXXX approached me when I was XXXX XXXX XXXX, I was the victim of predatory lending practices. All I wanted to do was go to school so I could better myself and get a good job. Now I 'm {$100000.00} in debt. I ca n't even buy a home and it has affected my credit. I net $ XXXX a year. I need to CFPB to help me finally resolve this issue -- call it even. I 've paid them {$40000.00} and there is no end in sight. At this rate, I 'll be XXXX XXXX XXXX and still paying on my student loan!!!! There must be a point when loans are waived -- beyond public forgiveness. Is n't there a XXXX threshold? HELP. I 'm drowning in student loan debt.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

I am representing a Borrower whom has filed a Bankruptcy, and did not reaffirm her loan, we have been disputing the value with Green Tree/ XXXX XXXX AS I was told the property was assigned to be winterized and it was not, so with our brutal winter there was additional damage done to the subject property in the amount of {$90000.00}. XXXX refuses to re-evaluate the value as this was already done XXXX. But the damages have prevented us from getting a $ XXXX offer. They are informing me the Borrower needs to file an Insurance Claim, we have tried numerous times to reach out to XXXX Green Tree and XXXX to obtain the correct information, with no results. The Borrower has not paid on Home Insurance in over a year, so we have no idea where to go from here, we have been trying to process this short sale now since XXXX, and are just exhausted with the manner this is being handled.
Consumer complaint received 2017-02-16
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (GA)

Beginning in XX/XX/XXXX I opened a checking account and in XX/XX/XXXX an unauthorized signer was allowed to access my financials. This bank sold out in XX/XX/XXXX and this was allowed to continue.No signature cards were issued during this time and I have been denied these cards. I approached the bank and bank representatives multiple times to have the individual removed from my account, and even obtained letters from the bank stating the individual had been removed however the account was still being compromised. The individual removed over {$100000.00} that can be shown thru unauthorized debits and checks he created and cashed. Because of the illegal actions of this individual and BB & T bank I am fighting court issues with no resolve at this point and time. This is due to the bank continuing to violate law and breech of contract which is enabling them to act as a criminal enterprise and hurt innocent individuals. Subpeonas have been served on the bank for active court case and the bank has refused to comply with these legal request. The bank has failed to issue a letter stating the account in question is mine even though I have all original documents showing such. Due to this continued illegal activity court dates have been postponed and my attorney fees are going up by the day. The banks illegal activity has now taken a lucrative career from me and left me jobless. I have recently contacted regional and national media and intend on making this story national headlines unless relief can be granted immediately. The banks illegal activity continue to effect all aspects of my life and I request immediate action in helping to clarify and correct this matter. Because of this individuals actions along with the bank it has now stopped any future job opportunities and growth I could experience. It has allowed for published written works of mine to be stolen and others as well.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (KY)

Hello, I 've had a student loan with ACS Education Services for approximately 13 years. I 've made monthly required payments since that time. I fell behind one month payment recently and I 've been trying to contact customer service to speak about forbearance. I checked my account today in fact- exactly 30 days late. I 've contacted ACS customer service 4 times in the past month, including twice today. Every time I call the representative says they are not " allowed '' to talk to me and route me to the voicemail of a paralegal named XXXX XXXX in the legal department. They will not even answer why they ca n't help me and I have to speak to this woman. It 's very bizarre. I can only assume this is because I 'm 30 days late, which is not very severe in my opinion. I 'm not in collections or anything because ACS is still billing me as usual. They just refuse to help me or speak to me. Because they refuse to help me or give me any customer service as they are legally obligated to do I have no choice but to report their actions. Its so sad that it takes this for me to try and get a simple question amswered about my student loan. The whole thing is truly bizarre. But the one thing I do know is that this company is not following policy in regards to providing help and access to their consumers. I 've never has a account somewhere where they just wo n't speak to you and give you no reason why. I 'm wondering if they are understaffed and and failing to invest in the trained individuals they are required to have on staff. I 'm hoping you can help me get a response from this company.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MD)

I completed my XXXX XXXX at XXXX University XXXX and now work for the XXXX. My federal student loans are serviced by ACS. ACS is very difficult to work with - they have terrible customer service, their policies are not transparent, and their call center operators provide incomplete answers when I call. This year I received a student loan repayment benefit from the XXXX where I work. However, just two days after I received notice that the payment had been sent to ACS, I received a final offer for a new job. I called XXXX ( XXXX XXXX XXXX ) to ask if they could stop payment because my agency will not waive the debt and I would have to pay it back to XXXX. XXXX said they had already cut the check and they could not stop payment. I have since called ACS on two different occasions to ask them to refuse payment. They say it is " their policy '' not to. Now I will have to pay back XXXX out of pocket. It is completely absurd that ACS would not refuse the payment. I am the borrower, current on my repayments, and regardless of whether or not the payment is coming from me or a third party, I should control when payments are made to my account. If I ask them to stop a payment, they should. Now, on the third day I have called ACS, the payment hit the account. I 'm sure I have no way of reversing this now. I am extremely concerned about having to pay my monthly student loan payment ( because ACS says I must continue my monthly payments as-is with no break even though they just receive a huge chunk of money from XXXX ) AND now I have an additional payment to XXXX to cover this debt. Plus I have all of my other bills to pay including housing, utilities, and child care. I have never missed a payment and ACS needs to honor my request to stop payment. I 've tried to work directly with ACS but to no avail.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the FCRA, XXXX XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-11-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MD)

I got approved to have my XXXX payment added to end of loan and it was reported late on credit report, this is not correct. I have attached my payment history, XXXX was extended to end of loan there should not be a late. XXXX payment was made XX/XX/XXXX, XXXX payment was made in full XX/XX/XXXX with the additional fees that were on my account, XXXX was made XX/XX/XXXX. My payments are due the XXXX of each month. The payment being extended was reflected in the system because when I login the payment system it reflects how many days late. This has been a problem in the past when I have received a courtesy payment extension to the back of the loan-skip a payment they have reported it as late to credit bureaus and I have to dispute. They should have proper reporting or not offer the service if they are going to hit your credit in error.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC (TX)

In XXXX 2016 I received a letter in the mail from Mariner Finance thanking me for opening an account. I did not open an account with them so I immediately called the number on the letter and left a message stating as such. I did this twice with no response. A week or so later I received a call from Mariner Finance asking me if I wanted to set up online payments. I told them I never opened an account with them and they said that they sent me a ( NOT requested ) live check in the mail and someone must have cashed it in my name. It has now been months upon months and this issue has not been resolved. I have filed a police report and given them their needed information and still nothing. In the meantime they are reporting that I am late on payments effectively destroying my credit. I will be pursuing legal action if this is not resolved and corrected immediately. After doing research online I have found they are not XXXX accredited and they write " check inside! open immediately! '' on these checks they send out to unsuspecting people putting them at risk for identity theft. This is unethical and unacceptable business practices that need to be corrected.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (IL)

I recived a bill for XXXX for $ XXXXXXXXi called the number that was on the form ... .AFNI ( XXXX ) XXXX the woman that I talk to ask me question about the bill she ask have i ever lived at XXXX XXXX XXXX XXXX XXXX XXXX i told the woman at AFNI that I have never lived outside of XXXX, and at that time told to to contacted XXXX i did that as well and i was told to caal the COMMISSONER AND WAS GIVEN A REF NUMBER OF THE PROBLEM
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HW Holding, Inc (MN)

These are the same collector I disputed previously from XXXX. I used to lived a apartment call " XXXX XXXX '' in XXXX XXXX XXXX from XXXX to XXXX and when my least ended at the same year. I notice the manager for two months ahead that I will not going to renew the least and I 'm planning to move out and she agree to it unless I 'm not going to ask her the deposit money. And when I ask her she said l 'm going to clean towards the apartment. Because, I told her I 'm leaving some of belongings in the apartment and I said you can donate it any charities of your choice and she agree to that too.
Consumer complaint received 2016-02-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (MO)

I get at least one call a day, Monday thru Saturday, from a XXXX XXXX from the National Recovery Agency. This is a robo-call and she leaves a message on the machine. There is no live person to talk to. I am a XXXX-year old XXXX, own my own home, have no bills except for the utility and credit card bills, which are paid on time, every time.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC (MA)

National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health
Consumer complaint received 2016-10-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (NC)

I have asked the company to send a statement of how much I owe in order for me to make payments on the account. The creditor stated that by law they are not require to send me a statement with the balance on it and that I was aware of how much I owed. I advised the agent that I did not know how much I have remained on the account. The agent was very nasty and advised me that they would come and take the vehicle that they have a second lien on it. I asked the agent to communicate to me in writing and to cease and desist calls. I am victim of hurricane XXXX that occurred in XXXX County North Carolina. My stepdaughters loss their home and everything they have. I was without lights for 6 days and water for 2 weeks. The company called after I spoke with them in XXXX or XXXX and advised to contact me by mail. I advised the agent I know of the debt and will make payment as soon as I could. The agent began stating again that she would come and take the vehicle because they have a lien on it. I advised her I could not pay anything at this moment because I have been out of work for 2 weeks now and did n't know when I could return back to work due to the hurricane. The agent advised me that the hurricane was two weeks ago and I knew I had the debt before the hurricane occurred. I advised the agent once again not call my phone anymore because I had on a previous conversation advised her to cease and desist all calls. I hung up the phone at that time I felt she was trying to intimidate me the agent called right back and stated that the agency would garnish my wages. I asked her again to not call my phone and I hung up again.
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (WV)

I viewed my credit report and I still have a credit card from Citi Cards/Citi Bank ( that had been charged off in 2010 ). It has been over 7 years since this has been delinquent/charged off and the Fair Credit Reporting Act states that negative items must be removed from your credit report seven years from the first date of delinquency. The negative delinquency is still showing on my report and I would like to have it removed.
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (TX)

A credit was applied from XXXX to my credit card account, dated XX/XX/2017. On XXXX, I used XXXX, on the CitiCard website and asked the credit balance amount, approx {$750.00}, to be sent to my bank account. This is the same bank account used to make payments for the credit card use. I was told it would begin processing on the next business day, XXXX. I called CitiBank on XXXX asking for the status of the credit balance refund request and was told the refund was initiated on XXXX. They could not explain why it was not initiated on XXXX even though I had not used the credit card since XXXX. I do anticipate the credit balance refund to be applied my bank account by approx XXXX based on their timing shared, on the second request. 

It seems the credit card company, in this instance a bank too, failed to execute the initial credit balance request and waited nearly 6 days, 3 business days, before they supposedly initiated the refund process. In the meantime, the bank continues to earn interest from my credit balance owed and I 'm sure thousands of others too. If indeed the refund request was initiated on XXXX, which I doubt since they lied to me on the first request, why should a bank/credit card company be allowed to hold a credit balance, in this case for 11 calendar days? 
1. When a customer has a credit balance for longer than 5 days, the bank should be automatically contacting the customer on how to proceed to refund the credit balance. 
2. My account history shows I requested the credit balance refund on XXXX, and therefore should have been processed on the next business day, XXXX. 
3. Credit card companies should not be allowed to delay a credit balance refund request if the credit balance is over a certain amount -- example {$250.00}
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

Citi promised me a XXXX-point bonus for my Citigold checking account but never credited it. 

I filed a complaint with the CFPB, which forced Citi to comply, but they needed proof of verification in. I sent it in, only for them to reject it on a technicality, claiming I had not checked a box. I then sent in a revised form several weeks ago, and still have not heard back from them, and their delay is getting extremely frustrating.
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I Recently purchased a refurbished XXXX beats laptop from Sears.com using my Sears credit card. i received the laptop with a password on it. i called sears the next morning and told them that i had received it this way, and they told me that i had to call XXXX and register the laptop with them. I tried to explain to the rep that THE LAPTOP WAS LOCKED, and she then told me to give her a minute so that she could speak to a manager about it. she came back saying that she had to call the sellers of the laptop. i waited approximately 5 min before she came back to me saying that they were n't answering. I then told her that i all i wanted was a return label, and a refund she told me that she would speak to her manager again about the situation. She came back saying that she would send me a label. i waited 3 days to receive an email. i never did so i called back and they said they had to file a claim with the seller, and that they would do it for me. a few days later i received an email stating that they were n't going to take it back due to their no return policy. i immediately called sears and they transferred me over to the claims manager whom told me that she would again contact the sellers. I just want a return label for the laptop i no longer want it. its taken almost a month and still no solution