davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (DE)

Navient was sold my loans from XXXX XXXX about a year or so ago. These loans have been based off a credit score XXXX2006. I graduated XXXX in 2006. They do not offer any programs to help me lower my rate. The only program they have is based off my income and XXXX of my co-signers income. The only way I would be able to get relief is if i decide to not pay them for XXXX4 months, destroy my credit and then finally get some help. They are variable rate loans, and with prime rate going up again the rate/payment will continue to increase and there is nothing I can do about it.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I have been working with my mortgage company to modify my current loan. I have recently received a discharge for bankruptcy which I excluded the home from. I have been working with one individual through the process and was behind 3 months of payments ( due in part to the mortgage company changing from Greentree to Ditech as well as Bankrupcy proceedings, In short my direct deposits were canceled by the mortgage company and I did not notice it right away ). 
I have tried multiple times over the past couple months to contact XXXX from Ditech to come to a resolution and have not been able to reach him in person, I have left a number of messages on his voicemail and with his coworkers who are not willing to discuss any part of the loan other then take a payment. 
The last time I spoke with XXXX was regarding a loan modification packet that he was sending me. a few days later I received a packet from Ditech but it did not contain the information that XXXX mentioned and I have not been able to contact him since.
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

A company called AFNI ( XXXX ) keeps calling me and asking for someone else. I've told them repeatedly it's the wrong number, but then they start harassing me about whether I know the person and whether I have contact information for them. I don't even recognize the name, and I've told them to stop calling, but they keep calling me. How do I make them leave me alone? This feels like harassment.
Consumer complaint received 2015-11-18
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DriveTime (FL)

Had a car repo in ( i think 2007 ) drive time called my brother in law told him there was a warrant for my arrest. Called me with this info, i returned call and it was a bill collecter. I advised i am on ssi XXXX. Collecter said if i dont pay by tomorrow they will take me to court and garnish my ssi.
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I have not received my title for the vehicle I have paid off XX/XX/2020. Kia Motor Finance will not release the electronic lien because they are not able to get in contact with the titles department. I have called for the last 30 days, every other day. Every customer service person from 5 supervisors to 3 managers has stated they have not received anything back from the Kia titles department.
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (KY)

This is related to a previous request, Case number : XXXX. 

Based on the success of my previous request. I have requested that my co-borrower be released from my loan. ACS stipulates that I must make 24 consecutive payments for this to occur. However, since my payments were misapplied, ACS is not showing that I meet the stipulation. 

If my payments are adjusted correctly and the overage balances are moved forward, I believe I meet the requirement for the co-borrower to be released. I would like to see a full audit of my account and payments, along with the stipulations of my loan, to have my co-borrower released from the loan. I would also like to know the stipulation of my loan in the event of the death of the co-borrower.
Consumer complaint received 2017-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I have XXXX and navient for XXXX of my student loans. They both boast that after 12 months of payments you can release the cosigner. So last year I started this procedure. I supported the documentation needed to both companies and received an approval from Sallie mae after the 2nd try and a rejection from Navient. After numerous re applying and then calls to them I come to find out that I have to make 12 consecutive payments of principal and interest to them and in XX/XX/XXXX a pymt was made but not equal to prin/int pymt. Even though I made a number of payments in excess of XXXX to XXXX dollars which did not count. So ok I wait till after my XX/XX/XXXX payment of prin/int and reapply. They go through the motions and reject me again after a credit/employment check. Stating I owe too much money and do n't make enough so they ca n't release my cosigner. All of which was never explained in the directions. I am beyond frustrated. My mother would like to be released and would not have agreed to be a co signer if this was known before we applied. Not to mention this loan has an interest rate variable of 7.25 % or more. The lady I spoke to was XXXX, her solution was to get another loan to pay this one off and get the cosigner off of it. Huh! That does n't make sense. I know there are multiple lawsuits against navient for these same practices. if there is a class action suit in the works i would like to be included in that. this company is bad news. i will never refer anyone to them.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NM)

I have a loan with  Seterus. My previous lender and I had a dispute over late fees, which was never resolved. Seterus sent me a letter, offering me a 50 % discount if I paid those late fees by the expiration of the notice.  Unfortunately, they sent me this letter 30 days after the letter was dated, so the offer expired next day. I called Seterus and asked if I could pay it via telephone. The agent advised me that I could, but only if I scheduled my mortgage payment at the same time. I asked if there will be a fee, either to accept their offer and make payment via telephone, or to schedule my mortgage payment. the agent said, " No '' to both. I went ahead and paid the {$83.00} which was the amount of their settlement offer, and  three days later I noticed that they had deducted from my bank account {$93.00} instead. They have a lso charged me another {$10.00} to schedule the mortgage payment. In addition, when I received my statement the following month, all the late fees were still added to my account. I have contacted  Seterus, but their nasty, nasty CSRs, keep me on the phone for 45 minutes to one hour and do nothing about m y issue.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

XX/XX/2017. My small business was a victim of identity theft by the bank. They opened multiple accounts and subaccounts in my business name and from what I was able to find out that there was a virtual credit card set up by the bank that linked all of the accounts together and some bank unknown bank personal then was able to transfer money and gain access to the money. I would like copies of those account statements that I know of and copies of others that I did not know of to include opening and closing statements. I would also like account information on the virtual credit card and who had access so that I may intelligently request the lost funds back. Your assistance will be greatly appreciated.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AP)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account shows up to be in bankruptcy. I tried contacting the Equifax Credit Bureau to supply me personally along with a copy within the contract signed or voice interaction where I granted billing me through this account but no successful resolution. There was definitely an error on their part. Please delete this particular through my credit as stated by the Fair Credit Reporting Act. 
XXXX Amount : $ XXXX-Date XXXX : XX/XX/2016
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (IL)

I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit.
Consumer complaint received 2015-08-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (SC)

yes like my house caught a fire and my insurance pay them off. but there did not send me my refund check when my mobile house got pay-off. and I want to know where is it. because I ever nothing In the mail are anything. and I know there owe me something out my pay off. I pay them too much money a month try to keep my house I love my home that why I pay my money a month. and same time I be pay my money be cheat me same time. its not fair how people you and you try so hard to work with them. its got to stop because with them people work to hard have nice place stay too. there changed too money on mortgage it up and down on your payment.
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

We have a chapter XXXX case going, our mortgage arrears are included in our chapter XXXX we are paying our chapter XXXX every 2 weeks on time. PNC is our mortgage company, I find out information by calling not by notices. My XXXX complaint- they do n't send notices! We were approved for a reduced principal modification back in XXXX, showing our XXXX payment due on XXXX XXXX, 2015. We sent all the paperwork back by the end of XXXX as requested, we signed and had the paperwork notarized. I had n't received any payment books or papers stating completion by the end of XXXX, so I called PNC to find out that the modification could n't be completed due to PNC wanting a motion from the bankruptcy judge approving the modification. I had no paperwork, or calls regarding this issue. I found out due to calling in to PNC. I talked with our attorney for bankruptcy and they were able to get the motion heard XXXX weeks later. Our attorney advised us that the judge will not rule on the motion due to the ruling being unnecessary. Our home is not included in the bankruptcy, only the arrearage. So I have n't heard from PNC, and we were planning on making our XXXX XXXX payment, I still have n't had any correspondence from PNC. I called yesterday XXXX/XXXX/2015 and found out that our modification was thrown out due to the judge denying the motion as unnecessary. I will attach the judges decision. I spoke with a person in the bankruptcy department for PNC and she stated that the denial due to it being unnecessary should n't go against us for the modification. I was asked to send in the letter our attorneys sent us stating that as expected the judge denied the motion as unnecessary. I called PNC today to verify and faxes take XXXX days to upload, the person in loss mitigation did say he would send an email to the closing department to see if they can get our modification reactivated. I was asked to call back on Friday afternoon. How can we get denied since a judge denied the motion as being unnecessary?
Consumer complaint received 2016-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MO)

My home loan has been sold to this company. Since then it had been a complete nightmare and is starting to ruin my life. As soon as their system was set up to make automatic paynents, I signed up. Regardless of this I have gotten collection call. I have NEVER paid even a day late. Today I got a notice from them in the mail staying my XXXX payment has not been paid. I have also gotten call after call for as they put it " welcoming me to the company ''. I want to be left alone!
Consumer complaint received 2015-04-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

On or about XXXX/XXXX/15 PNC Bank charged our account an overdraft fee when there was ample money available to cover the check in question. I was told that a " debit transaction '' was on " hold '' and that was the reason for this particular charge. I would think that a " debit transaction '' would post quicker than a check payment and automatically withdrawn from the available funds. Eventually that is not the case with this bank. This action plus the fact that PNC Bank continued to add additional fees basically making it impossible to get caught up. They would continue to redeposit checks over and over and now they are claiming our account is negative - {$430.00}. We received a letter from them dated XXXX/XXXX/15 stating that we are going to be reported to XXXX. The fees they are seeking are due to there handling ( holding debits ) against the account causing checks to bounce is intentional and a way for the Bank to take a persons hard earned money.
Consumer complaint received 2015-08-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED AUTO ACCEPTANCE (GA)

I financed a vehicle from XXXX who also goes by XXXX XXXX XXXX, and finances through United Auto Acceptance. I defaulted on the payments and the vehicle was repossessed in 2007. I was sued by XXXX/United Auto Acceptance and my wages were garnished for about 3 years. Now, 8 years later XXXX/United Auto Acceptance has filed another judgement against me for Continuation of Garnishment. Is n't this passed the Statute of Limitations in the state of Georgia?
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MO)

I am in bancrupcy and thought I was protected from foreclosure. I recently applied for a loan modiciation and/or any program that could help me with Ditech. They took over my nmortgage from Green Tree. I was also using XXXX to help me fill everything out. I got an e mail from XXXX that Ditech needed more info from me. It was unclear to me what exactly they needed and the next message I got was that it was too late and they are foreclosing. Can you please help me?? Im very worried for my self and my family.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

The mortgage company is not paying my tax bills from my escrow account, despite me faxing them into Ditech Financial. When I called today 4 separate times, I am given mis-information, bad information, no information and or hung up on. I am trying to re-send the tax bills, yet they will cooperate and tell me how to get the tax bills there. I can not tollerate this abuse any further. This is one of the worst companies I have had to deal with, bar none.
Consumer complaint received 2016-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TX)

I was approved for the income driven repayment plan for 1 year and I am to reapply yearly. Nelnet AND XXXX credit bureau are inaccurately reporting my program as in deferment which is inaccurate and bringing my credit score down XXXX plus points. I have contacted Nelnet, credit bureau regarding this matter and received letters from both entities that it was resolved but it 's worse. I have been paying student loans for 10 years for a certificate degree with no late payments and finally approved on a program and now my credit is messed up from both branche 's with no resolution. I 'm in worse shape. I 'm complaining against Nelnet for innaccurate student loan reporting and XXXX for poor reporting, bad customer service and failure to verify information which has been submitted by myself and Nelnet.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Greentree Lending calling me numerous times throughout the day leaving me messages. Telling me that they do n't care and I ca n't afford the property. Refusing to give me the address to request all documents including notes and phone calls. Not resolving or even documenting my complaints Not disclosing all fees being assessed to my mortgage. Said they do n't care to discuss why I am behind.
Consumer complaint received 2016-06-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

XXXX XXXX XXXX sold my loan mortgage to Green Tree Servicing since XXXX XXXX. Then now Green Tree changed their name to Ditech. 
Starting on XXXX XXXX, I paid {$800.00} for payment of XXXX and {$5000.00} which breaks down {$770.00} for payment of XXXX and {$4200.00} for paying extra principle. The billing statement on XXXX/XXXX/XXXX was CORRECT that showed my principle balance was {$87000.00} and the due date on XXXX/XXXX/XXXX. ( See attach ). 
I paid {$770.00} on XXXX/XXXX/XXXX for payment of XXXX. So the current principle balance is {$87000.00} - {$180.00} = {$86000.00} The billing statement on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX were wrong. ( See attach ) I had several phone calls to speak with different representatives to confirm that I did n't pay late ; I did request all my extra money paying to my principal ( {$4200.00} ) ; and my current principle balance was wrong. XXXX is my second language, so I sent email and physical mail to Ditech in order to make sure they clearly understand what these problems are, but it was not completely resolved. Please help and call me any time XXXX for further questions. Thanks in advance. XXXX XXXX.
Consumer complaint received 2016-03-29
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ditech Financial LLC (NV)

I was part of the Greentree LLC Debt collection process with my Mortgage Loan via XXXX and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!
Consumer complaint received 2017-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (FL)

On XXXX XXXX, 2016, I enrolled in the services provided by XXXX XXXX XXXX. XXXX XXXX XXXX offers service against debt collectors. After contact was made with the debt collector ECMC on XXXX/XXXX/2016 by XXXX XXXX XXXX, the process began. ECMC sent to me what is labeled as " Validation of Debt '' on XXXX XXXX, 2016. I then forward the " Validation of Debt '' documents to XXXX XXXX XXXX the next day, XXXX XXXX, 2016. 
In the process of validating a debt, there are certain things that are to take place : 1. You must get written proof that your account has been sold or assigned to the CA 2. You 'll also get a copy of your current account payment history. This will help you verify the total amount you owe, including any fees being added to your debt. You should also find out how the CA has calculated these extra fees. 
3. A copy of the original contact. This is intended to prove to you that you agreed to the debt. If they do not provide you with a copy of the original agreement, the CA may also provide you with the account statements from the original creditor. 
If they validate the debt, the collector is required to send a copy of your agreement with the original creditor. This was not done.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

Our loan was purchased by Greentree Financial then Ditech bought them. Ditech issued a check XXXX/XXXX/15 in the amount of {$11000.00} for our property taxes. I called XXXX/XXXX/15 to ask about the check as our tax amount was {$6500.00}. When I spoke to the property tax department I was told that my escrow was now short because of the tax check. I asked that they cancel the check and reissue a new check in the correct amount. I was then told the check amount was correct and that I was delinquent in my taxes. Which is not the truth, considering I just purchased my home in XXXX and they just bought the loan. After an hour on the phone they agreed to do just as I asked. The following Monday XXXX/XXXX/15 I called because the check never came. After another hour on the phone I was told the check would be cancelled and the correct XXXX issued. I was assured that they would take care of it and call me XXXX/XXXX/15 with the tracking number to overnight the check to the tax authorities. On XXXX/XXXX/15 I called and was told the check was sent and that they will be correcting the escrow account because. XXXX/XXXX/15 I called the check still has not been sent. I have been dealing with a Supervisor and then asked that a manager call me back. They assured me the check would be sent XXXX/XXXX/15. As of this morning XXXX/XXXX/15, the check has not been sent. Most people do not have the money to pay another {$6500.00} to get their taxes paid. This is a financial burden on my family and it is due to Ditech 's incompetency.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

It seems that my mortgage company is holding partial payments I make in an account they call unapplied funds. The funds are not applied to the balance until the due date, not the date they were received. And if the partial payments do equal the total payment due by the due date, then nothing is applied until the total payment is received. 
It seems to me that holding the funds, since there is no prepayment penalty, gives the mortgage company more interest. And would defeat any attempt on my part to cut the interest by making early payments.