davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

THIS IS MY SECOND COMPLAINT FILED AGAINST OCWEN LOAN FINANCING. THE FIRST COMPLAINT WAS FILED XX/XX/2015. THE COMPLAINT NUMBER WAS XXXX. FOUR YEARS LATER, THERE ARE STILL MANY UNRESOLVED ISSUES. OUR LOAN WAS TRANSFERRED FROM XXXX XXXX   TO OCWEN LOAN SERVICING. WE STARTED GETTING DOCUMENTATION IN TWO DIFFERENT NAMES. WE WERE ONLY AWARE OF ONE LOAN. HALF THE DOCUMENTATION SENT IN THE ANSWER TO THE ORIGINAL CFPB COMPLAINT WAS STILL UNDER TWO DIFFERENT NAMES. THIS WAS EVEN FOUR YEARS AFTER OUR PAYMENTS WENT MISSING. THIS APPEARS TO STILL BE AN ISSUE. OUR PAYMENTS WERE NOT BEING PROCESSED. WE WERE BEING SUED FOR A DEFAULT, ON TWO DIFFERENT LOANS, ON THE SAME PROPERTY, AT THE SAME TIME, BY THE SAME MORTGAGE COMPANY. A FORECLOSURE WAS STARTED. OCWEN SAID TWO OPEN LOANS SHOWED UP UNDER MY SOCIAL SECURITY NUMBER. AFTER OUR COMPLAINT TO CFPB, OCWEN SAID, ONCE WE MADE THEM AWARE OF THIS ERROR, THAT THERE WAS ONLY ONE LOAN, THE ERROR WAS CORRECTED. OCWEN ASSURED US THE PAYMENTS WERE PROPERLY APPLIED BUT THIS WAS FOUR YEARS AFTER THE ORIGINAL FORECLOSURE. SINCE THAT TIME, FIVE DIFFERENT FORECLOSURE ACTIONS HAVE BEEN FILED AND EITHER DISMISSED OR THE SALE AUTHORIZATION DENIED. OCWEN KEPT FILING FORECLOSURE LAWSUITS WITH NO RESOLUTION TO THE ORIGINAL MATTER. THESE FORECLOSURE LAWSUITS HAD TO BE DEFENDED. OVER {$12000.00} IN FORECLOSURE FEES AND COSTS HAVE BEEN ADDED TO THE AMOUNT TO CURE THE MORTGAGE LOAN. EVEN THOUGH THE MORTGAGE COMPANY ADMITS THEY MADE THE ERROR, THEY REFUSE TO CREDIT OUR LOAN FOR THESE ILLEGAL FORECLOSURE FEES. WE HAVE ALSO INCURRED TENS OF THOUSANDS OF DOLLARS IN ATTORNEY FEES. WE ARE BEING REQUIRED TO PAY ALL THE FEES AND COSTS THAT RESULTED BECAUSE OF OCWENS ADMITTED ERROR. THE PROPERTY IS CURRENTLY, AGAIN, IN FORECLOSURE. WE REQUESTED CURE FIGURE OVER 90 DAYS AGO AND THEY HAVE STILL NOT BEEN PROVIDED TO US. WE WERE SUPPOSED TO GET THESE CURE FIGURES WITHIN 10 DAYS AFTER REQUESTED. THE REQUEST HAS BEEN IGNORED. WE HAVE BEEN TOLD THAT IF WE SENT IN TO OCWEN, ONLY THE AMOUNT WE THINK IS DUE, THE FUNDS WILL BE RETURNED BECAUSE THEY ARE LESS THAN THE TOTAL AMOUNT OCWEN DECLARES IS ACTUALLY DUE. OCWEN IS NOT INTERESTED IN ALLOWING US TO CURE OR PAY OFF THIS LOAN. OCWEN FORCED A FORECLOSURE THROUGH AN ACCOUNTING ERROR. THEY ADDED EXORBITANT FEES TO THE LOAN BALANCE AND WILL TAKE THE HOME THROUGH FORECLOSURE IF WE CANT PAY THESE FEES. THAT IS NOT JUST COMPENSATION FOR OCWEN ; THAT IS OCWEN TAKING OUR HOME ILLEGALLY. WE SHOULD NOT HAVE TO PAY LEGAL AND FORECLOSURE FEES FORCED ON US BY A MISTAKE CAUSED BY OCWENS OWN ADMITTED ACCOUNTING NEGLIGENCE.
Consumer complaint received 2019-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

Dates are unknown but one if few creditors have made repeated calls to a step-parents work.. I never provided that info and I don't even know that info ... They have been asked to stop calling them on several attempts..NAME OF COMPANIES ; It is unknown which payment processing server is calling her. According to her they won't identify name of comoany, number is unknown because it us going though a switchboard no caller id ...

1 XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX None of these companies were provided with her work info.. All should have my address, my e-mail, and phone numbers for me and my wife..
Consumer complaint received 2019-02-26
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

In XX/XX/2018 I received a check from our insurance company, XXXX, in the amount of XXXX to put a new roof on our house. Because we have a reverse mortgage the check was made out to my husband and me and to XXXX XXXX, I had to send mortgage company the check to be signed by them and sent back to us for a roof. We never received the check back. They deposited it without my husband and I signing it. About the middle of XXXX I started calling the loss draft department once or twice a week and each time was given a different excuse. They even went so far as to tell me to have my insurance company stop payment on the check and reissue me another one. My insurance company said they could not do this because mortgage company had already deposited it. We still have not received the money back and have already had new roof and the company is still waiting to be paid.
Consumer complaint received 2022-08-26
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)

Equifax is showing I have a balance of XXXX dollars on credit card # ending with XXXX, which on my husband credit is showing updated But due to the fact I am a XXXX Equifax refuse to up date my account it is a XXXX  balance on this account as of XX/XX/2022 But is shows XXXX  XXXX XXXX has not been paid
Consumer complaint received 2019-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I have been making extra payments to my account to go to the principal amount and Ally kept the money towards future payments. I called after the first time that they did not allocate the additional monies I sent to principal and they said " they do not do that '' - it could only be held for future payments. I checked with other people who told me that if I asked for it to go to principal that it should and I called again and they said they needed my request, in writing. I wrote them an email through their online system and again they said they do not do it that way. I wrote again and asked for an accounting of my accounts and they said they do not do that. My wife then called them ( with my permission which I gave them on the phone ) and she kept escalating it until she got someone who said they would send out an accounting of monies paid throughout the time we have been paying - since XX/XX/XXXX. On the payment history, it says " unpaid balance '' {$8100.00}, but then it states below that the remaining unpaid balance is {$8500.00}. My monthly scheduled payment is {$290.00}. They STILL have not re- adjusted or re-ammortized - in the account online - it states that they have taken the recent additional payments towards future payments and that my next payment of {$180.00} is due on XX/XX/XXXX. I also believe they do not ammortize their loans properly. I have had many loans over the years and have never seen one that the interest rate and principal " fluctuate '' instead of going up and down as on an ammortization schedule.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

Ability Recovery Services apparently states that they are collecting for XXXX XXXX XXXX XXXX, a debt that is not mine as I was never seen by those physicians. I disputed the debt when it first appeared on my 3 credit bureau reports in XX/XX/2017 as well as with the company. It was removed from my credit reports during that time. Then the debt was sold to XXXX XXXX who placed it on my credit report, it was again removed. It is now appearing a 3rd time being reported this month as a debt that is owed. The amount of {$180.00} appears each time. It is not a debt that I owe. I consider this harassment to have it removed each time. It should be illegal that they can keep reporting the same debt that is not mine in the first place and affecting my ability to buy.
Consumer complaint received 2019-03-13
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: CITIBANK, N.A. (GA)

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CITICARDS CBNA with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (CT)

RE : Innovis Credit Agency Dear CFPB : I called Innovis to request a copy of my credit report. I received my credit report on XX/XX/2019. After reviewing my credit report, I spoke to a representative on XX/XX/XXXX in regard to my name listed with a middle initial. I do not have a middle initial on my name. 

In addition, Innovis had listed an old address as my current address and an old phone number that was previously deleted. Innovis reported an old address, incorrect name and phone number. 

When I questioned why my address and personal information was incorrect the Innovis rep said, " we get this information from your creditors ''. I said that's not true and my personal information was reported correctly and you changed it. 

After further investigation, On XX/XX/XXXX I had applied for a credit card of which I didn't receive until months later because the creditor pulled the Innovis report and found an incorrect address and sent the credit card to the old address which was returned to them. 

Innovis had failed to maintain accurate address information and transmitted inaccurate name, address and phone number to my bank. A requirement of the Fair Credit Reporting Act. 

Innovis failed to conduct reasonable investigations/disputes concerning on of my accounts that was not reported accurately. Innovis failed to complete investigations/disputes. 

I am submitting this complaint to the CFPB to notify Innovis that any continued violations of the FCRA will lead to a civil lawsuit. 

I take this matter seriously. Credit reports inaccuracies are one of several potential privacy violations and personal information mistakes are FCRA violations. 

Please send my complaint to Innovis, I will be in contact with them regarding other matters.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I am in the process of putting in a new heat pump for the home as it went out. I went through the XXXX XXXX program. I applied for the XXXX XXXX XXXX Account on XX/XX/2019 that is issued by Citi. 

I completed my application and submitted with my new address where the heat pump will be going into as I recently purchased that home on XX/XX/2019. I did not put my current address as I have put this house on the market and in the process of moving. The screen let me know that additional information was needed. I called same day XX/XX/2019 and spoke to XXXX. He was asking me to verify my current Citi Card by providing the CVV code as a step of authentication which I did. 

I informed XXXX that I have an initial fraud alert on my credit report and understood the verification process. The fraud alert consumer statement stated to contact the applicant at XXXX to verify prior to issuing credit as I placed this alert when XXXX XXXX data was compromised and I was part of that breach. 

XXXX informs me that my credit application was denied because of the consumer statement on my credit report. I asked to escalate to management because under FCRA regulations, as a consumer I am allowed to protect my credit and creditors I deal with have the obligation to verify me as the person applying. I was transferred to XXXX, a member of management whom simply stated that Citi guidelines state that I needed to contact XXXX regarding information on my credit report. I asked if my denial was credit related and she stated no because I know it would not be credit related as I just made a home purchase on XX/XX/2019. I asked for clarification and explanation as manager was very vague and stated that information she could provide was very limited. I was perplexed by this because I am calling from number on credit report fraud alert and they could have picked up the phone to call it as well to verify as the consumer alert states, but they rather just create a guideline that is restrictive to obtaining credit and against FCRA regulations. She then stated that I would be put on hold while she could see what she could do, then the call was disconnected on Citi 's end. I tried getting back to XXXX XXXX XXXX phone number I had just dialed but I could not bypass the automated queue as my application was denied and speaking to anyone was not an available option even when hitting 0. 

I want to make this formal complaint against Citi for borrower discrimination against FCRA regulations when it comes to placing an initial fraud alert on credit report as I am allowed to. There is no freeze on the credit, simply an alert for creditors to verify.
Consumer complaint received 2019-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Peter T. Roach and Associates, P.C. (NY)

I XXXX XXXX am Plaintiff in the above-entitle complaint, I am respectfully requesting your Agency to issue an order to CURE to XXXX XXXX XXXX on my behalf under section 1322 ( c ) ( 1 ) of the Federal Rules of Civil Procedure granting Plaintiff the right to cure the default mortgage ( ARREARS ). I made several request XXXX XXXX XXXX, XXXX. Attorney for Defendant, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX with no avail. The Bank improperly applied or credit my payments. 
Pursuant to Federal legal or equitable right to cure under section 1322 ( c ) ( 1 ) of the Federal Rules of Civil Procedure granting Plaintiff the right to cure the default mortgage ( ARREARS ). Provides in part : Notwithstanding subsection ( b ) ( 2 ) a defaultmay be cureduntil such residence is sold at foreclosure sale that is conducted in accordance with applicable non bankruptcy law. Section 1322 ( c ) ( 1 ) was enacted in response to previous confusion as to when a debtors right to cure a default ended. Based on the statutory text and legislative history, courts have found that Congress clearly intended that section 1322 ( c ) would preempt state law and create a federal right to cure that only terminates upon a foreclosure sale. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SD)

My account was sold from synchrony bank to a 3rd party on XX/XX/2018.I have been making payments to the 3rd party since.i just received a XXXX for this same account from synchrony bank. however I never settled on the account I have disputed it with the bank and still havent heard anything and it has been a month they just keep telling me it was never sent out or was done in error by sending this out it causes issues with the IRS and I need to file my taxes but cant till this is fixed
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/2019 I applied for a Gold Delta SkyMiles Business Card in response to a promotional email I received. The promotion states approved card members will receive XXXX Bonus Miles after you make XXXX in purchases in the first 3 months and a {$50.00} statement credit after you make a XXXX purchase within the first 3 months. Also, there is no annual fee for the first year. After the first year, the annual fee is {$95.00}. I received the XXXX XXXX Sky Miles and the {$50.00} statement credit, but XXXX did not waive the annual fee for the first year. In response to my previous complaint with CFPB against the credit card company, XXXX stated this promotional offer is only for the Gold Delta SkyMiles consumer card. The enclosed promotional offer does not state this offer is only valid for the consumer card ( see attached ), nor was I told that when I applied for the credit card. This is nothing more than an illegal bait and switch tactic. I spoke with a representative this morning at XXXX. The representative stated she can't see this promotional offer I am referring to because it is expired. However, she said the promotions are the same for business and consumer credit cards.
Consumer complaint received 2019-03-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (KS)

XXXX will not respond. I have emailed several times with no response. Title loan payments never was applied to my account therefore my car went into default, for the past 1 1/2 I have made several attempts to see if I could still repay the loan off even after it was charged off.
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Local Management, LLC (SC)

On XX/XX/2018 I made my payment for XXXX first payment which the rep said that it would not show negative on my credit because it was in XXXX days and I would be fine he guaranteed me that. Then I noticed that my XXXX payment was showing past due on my credit which I made my payment on the XXXX which shows on my credit but showed that I feel into the 30-60 days. I informed management and it took a week for them to contact me. XXXX talked to me and was very rude to me Told me if I made my payment on time this would not happen. I never felt so disrespected in my life. He said that I had to do all this stuff for him to fix my credit even though I told him that I could not do all that he wanted. He kept being rude to me and I told him I was filing a compliant. I want all of the negative remarks from Local finance to be removed and I am even going the lengths to pay them off Friday. I have been with them for years and have never been 30 days late with them. XXXX XXXX acted like I was a horrible customer and I will never get a loan with them again. 
Local Finance is the company XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from XXXX. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from 2005 and has been transferred twice now, I would like it taken off completely.
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (NM)

Got a small installment loans. They raised their interest rates and added different fees resulting in me not being able to pay for it. This is now affecting my credit score because this is now closed and charged off in the amount of {$1100.00}. I tried contacting them multiple times to fix this issue but did not get anywhere this this company.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from Navient. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from XX/XX/2005 and has been transferred twice now, I would like it taken off completely.
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BB&T CORPORATION (NC)

I was given a fake check which I didnt know was fake when it was submitted to me I deposited it into my account I was told to send money to another state which at the time was one of those forgein scams my account then went into the negatives and I was forced to try to get my money back on my own. I originally answered an ad for a XXXX XXXX on XXXX and was targeted by a scammer and now Im out of XXXX. The fake check I was submitted was for XXXX which bounced my account when I sent XXXX dollars to Texas I contacted my bank for assistance on getting my money and they wont help me the cops wont file a report and Im out of money bills to pay and I work hard for my money I dont appreciate it being stolen Ill know better next time please assist me in getting my money back.