davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I have student loans where about XXXX dollars in the XX/XX/XXXX and payed on them, my husband applied for these loans. We payed on them and them in XX/XX/XXXX my husband died and i was unable to make payments have had several forberances and now my loans is XXXX dollars there is no way i will ever be able to pay this loan off. I made several attempt to pay something on them and they based it on income which was still way to large a payment for me to make with only XXXX income. The would not accept any payment unless it was the entire amount. My loans started with XXXX XXXX and where sold to Navient. I have had to do forberance and interest and fees and mounted up to very larger charges. Please let me know if there is something I can do. Am I a candiate for the current lawsuit that is now going on. I am now on forberance because I am only working part time.These loans are for my daughters college education.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now! 

XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est.
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

I successfully completed a trial XXXX modification program with Ditech from XXXX through XXXX of 2016 ( due to hardship of divorce ). I paid {$1900.00} per month during the trial. In XXXX I received a letter dated XXXX XXXX congratulating me on the completion and letting me know my new monthly payment would be LOWER than the trial -- at {$1400.00} per month! 
I called immediately to check this and was told it was correct. I logged on in XXXX to pay my XXXX bill and the {$1400.00} was showing. I also received statements showing this amount. 
For XXXX, XXXX and XXXX I paid the lower amount ( before it was due, in full, electronically ). 

In XXXX I got a letter saying if I needed help with my payments, I could learn about modification options and that I 've been assigned an account manager ( someone new, not the person who was assigned throughout my trial modification ). 

I called immediately and was told that I was in arrears by almost {$5000.00} and that I had to come up with a lump sum to get current. Yet, the collections department ( where my " new '' account manager sits ) did acknowledge the letter that came AFTER my modification, they claim my notarized modification paperwork was for the higher amount and that I KNEW I should 've been paying it. I confirmed they had the post-trial letter saying AND BILLING STATEMENTS showing the lower payment amount. 

I have been calling them repeatedly for the past week or XXXX to get this rectified -- their claiming my former modification manager is no longer there ( or available to me ). They, allegedly, have elevated this but it 's still not resolved. I withheld my XXXX payment as they were saying it would be applied toward XXXX 's mortgage ( remember, I paid XXXX, XXXX and XXXX IN FULL ). The online account showed all that until last week. When I logged on to pay my XXXX bill it had a bunch " reallocations '' and showed I 'm in arrears. I 'm also not allowed to make any electronic payments. I am concerned that the company is going to cause trouble for me here and am thinking it may be wise to retain counsel to help ( although I 'm broke, after going through divorce, I can ill afford to get XXXX by Ditech ). 

Also, Ditech sent someone to my home who took pictures and left a notice on my door -- this was on XXXX XXXX. They never alerted me, the person did n't announce his presence and the form he left on my door saying to call Ditech had no contact name or extension. Not only that, it caused my XXXX XXXX XXXX son some XXXX and XXXX - -he did n't know if this was someone looking to break in or what was going on. I am sickened by this situation and need some help, please?
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (TX)

I am trying to refinance my mortgage loan that I have with XXXX. I have XXXX mortgages the XXXX and biggest is with XXXX and the XXXX XXXX and smallest is with Green Tree Servicing. On XXXX of 2015 I tried refinancing with XXXX but Green Tree, owning the XXXX mortgage to my home refused to subordinate the loan with XXXX. I fall under the HARP program but have not been able to take advantage of this opportunity because of Green Tree.
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and not sure how this happened. I am in the process of selling my home and getting ready to use my XXXX loan and this is really affecting my credit. I am so sorry for any inconvenience but wondering if there is anything you can to do help me.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Loan has transferred from XXXX to Ditech. When loan transferred it stated I had an escrow account for insurance which was false. Never had one. I have contacted Ditech on numerous occasions to correct the issue without success. Ditech continues to try and impose an impound account that did not exist or needs to exist. They admit to having proof of insurance. I am now receiving collection calls and letters. I have paid my principle and interest timely but not not the escrow amount as it is not owed. To complicate matters I was advised from a Ditech Rep they have not even applied my last payment as of XXXX when the check cleared my bank on XXXX. So where did my $ $ go? I am concerned that a report will automatically go to the credit bureau because of an issue they have refused to address and correct. I find I am in need of some assistance to resolve.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (KS)

First progress card requires you to pay XXXX XXXX deposit and that is your credit line once you pay that the card is activated. I did this and made two purchases resulting in around XXXX dollars debit. They then immediately closed my account and I keep calling and they hang up on me when I ask why my account was closed and request the remainder of my deposit back which would be around XXXX. I funded the deposit on XX/XX/XXXX and was canceled XX/XX/XXXX. Never received a bill that I did not pay in that amount of time.
Consumer complaint received 2015-07-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. 
Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. 
XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. 
I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents.
Consumer complaint received 2016-07-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

Green Tree left a message to get in touch with as soon as possible on my phone at my job. I did call them back although I was puzzled as to why they called me ... I sent my payment in on time. I called Greentree,,, the respresentative told me that their system was down ... I told them I sent my payment in because their system had been down they had not processed my payment and I needed to pay via XXXX ( XXXX ). I did pay via speedpay but I do n't think I should have since it was not my fault their system was down. I did my part and sent the payment on time
Consumer complaint received 2016-09-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (AL)

I lost my job and am unable to pay the loan and now they are targeting my spouse since she is the only XXXX with a job at the moment they call everyday visited and harassed me and my spouse called her work and went called our friends to contact us and she is very stressed out since they are threatening to take legal action to garnish her wages for the amount we owe.
Consumer complaint received 2017-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OK)

I called Navient and the customer service representative misrepresented the company when I called I ask if this was in regards to my student loan and she said no I need you to verify information before we can talk to you. I refuse to do so because I know that Navient is a government contractor for the federal student loans department. My current loan is with a in good standing with XXXX. I have no desire to transfer or do business with Navient. They are harassing my harassing me at work by making phone calls and harassing my spell by calling his cell phone. I asked that they remove my work and husbands phone number and to not contact me any further. The representative said the calls will continue but she will mail a letter explaining the reason for the call. I know what Navient is proposing and I do not want their service. I want them to stop harassing me at work and my husband. I want all communication including phone text work mail correspondence I want it all to stop immediate.
Consumer complaint received 2016-09-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I have {$44000.00} in private loans through Navient. Navient wanted my payment a month to be around {$600.00}. I am a single mom and can not afford this amount. I tried contacting Navient to negotiate a lower monthly payment because of my income situation. They basically were extremely rude with me and told me well I owed them alot money and asked me why could n't my dad pay it because he had cosigned them. I explained to them that again, I am a single mom and only make around {$1200.00} a month and after I pay all my bills, I do n't have {$600.00} to give them. Also, my dad retired and my parents live paycheck to paycheck. They do n't have the funds either. Yes, I know its alot of money and its not my parents responsibility it 's mine. They told me that I needed to pay that amount or I would have serious consequences. They wanted me to set up an automatic payment and they could get my payments down to {$480.00}. Again, I told the gentleman, I could n't afford that amount and again he got rude with me and that was the end of our conversation. Well, they continued to harass myself and my parents by calling multiple times a day and making threats. Even calling on Saturdays and Sundays. Eventually, I was able to get ahold of someone after my loans went into default because I was only paying around {$200.00} a month, which is what I could afford, who worked with me and got my payments all group together, supposedly, and got it down to {$200.00} a month. The phone calls stopped for a little while, but then they started up again. We answered the phone after these harassing phone calls had been going on for a couple months, multiple times a day and found out that the reason they were calling is because XXXX of my loans had n't been put into the repayment plan because supposedly they were the smallest of my loans and therefore, could n't. I did some research and these loans are not the smallest of all my loans, XXXX is but the other is not. Since I did n't realize that these loans were not in my repayment plan, they are way past due. Navient is now threatening to take legal action and try to take my parent 's house away. I do n't know what to do. I realize this is a lot of money and I will pay it back. I just need time and I need this harassment to stop!!!
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ray Klein, Inc. (OR)

Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number. 
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EOS Holdings, Inc. ()

I am requesting the XXXX % Formula to begin Rehabilitating my Student Loans. 
My Servicer EOS-CCA is not following the U.S. Department of Education Guidelines for determining my monthly payment. 
They are saying I have to take my Gross Income, rather than AGI, which is not correct. 
The XXXX % Formula clearly states : XXXX % of difference between Adjusted Gross Income ( AGI ) - XXXX % of Poverty Level for Family Size of XXXX ( my family size ). 
XXXX & ( XXXX estimated ) AGI = XXXX ( I provided XXXX IRS Form XXXX & XXXX Form XXXX ). 
XXXX Poverty Level Family of XXXX = XXXX ( www.federalregister.gov ) @ XXXX % = {$17000.00} Difference = - {$870.00} Minimum Payment = {$5.00} / mo. 
I have the right to Rehabilitate my Student Loan using the Department of Education XXXX % Formula and they are not following the law. 
Please advise what I can do to get my Loan Rehabilitation started when the Servicer ( EOS-CCA ) is not playing by the rules. 
Is there a CFPB, U.S. Department of Education email or contact that I can complain to or override the Servicer?
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (KS)

I was under the impression that I could open up a checking account with Bank of the West, especially considering they are a local branch with XXXX locations in my very city. I think its ridiculous that they do all these advertising and then deny someone with XXXX credit score. I should be granted this checking account so I can set up direct deposit through my employer and use this account for everyday use. Why would you push away a local person to bank with you? This was false advertising for me.
Consumer complaint received 2015-08-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF THE WEST (CA)

My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later. 

XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

XXXX XXXX XXXX XXXX XXXX sent us to a collection Agency, AFNI ( XXXX XXXX XXXX, XXXX Illinois XXXX ) for a {$930.00} balance stemming from XXXX or XXXX XXXX. ( Account # XXXX ) There have been no attempts to collect this debt. We first saw this item on my credit report as part of a refinance attempt in XXXX. 

( 1 ) we attempted to contact XXXX XXXX XXXX to find out what this debt was for. We remember cancelling the service in XXXX XXXX and returned the equipment at that time using the shipping labels provided by XXXX XXXX XXXX. We have no records of this however, as it occured more than 6 years ago. 

( 2 ) XXXX XXXX XXXX can not provide us with any invoices nor can they tell us what this debt was for. As they stated themselves it was over 6 years ago. We have been told many different things by many different depts. and really got the runaround. They have stated they would try and look in their archives to validate this debt but we have not received any notification of this so far. 

( 3 ) We did reach someone at AFNI and after several attempts to get to their " XXXX XXXX XXXX accounts '' department., A XXXX XXXX XXXX informed us that this debt was for the non return of some equipment and that the balance was {$930.00}. We asked him for the invoices or paperwork to substantiate this debt. He at first asked us to send him an email requesting this ( XXXXXXXXXXXX / XXXX ). When I asked to verify this, he recanted saying, he first would put this account in dispute and then go back to XXXX XXXX XXXX to request them to send me this documentation. 

( 4 ) There have been no attempts that i know of to collect this debt since the XXXX time frame. I have purchased a home, and refinanced twice since this time frame and there was never any delinquencies nor any collection account. A credit report from XXXX can verify this information. I have always paid my bills on time and have never been late. 

( XXXX ) I have been informed by my lender that a dispute of this item would not suffice for the new mortgage. There can not be a dispute notated on my credit report. 

My only options right now are either to dispute this item and delay my refinance or pay this item to the debt collector and then try and seek a refund after my refinance. neither are equitable options. I am seeking your help for a timely resolution to this item. I can not believe a collection item like this would magically appear 6 years after the fact. And I can imagine XXXX not being able to substantiate this debt. Can someone at the CFPB help me with this?
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Spoke with XXXX customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to XXXX is XXXX and XXXX is reporting on my cbr that I still owe them. XXXX was paid XXXX XXXX, XXXX ... Please see attached acknowledment for XXXX that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

XXXX wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to XXXX when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to XXXX in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because XXXX has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.