davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I first sent complaint to XXXX XXXX of the XXXX XXXX. He deals with problems. 
He said to contact you. 
I undid an Annunity with Merrill Lynch XX/XX/XXXX. I had held it past 7 years so theysaid I could do that as I prepared to downsize and have money to put down on a house until sold present one. 
What I did not know until tax season here XX/XX/XXXX that there was a " GAIN '' on it and I would pay more then a few hundred on the gain. 

I was not familiar with gains on this type thing and Was told legally by Merrill Lynch they can not even discuss gains or use that term. I apparently waived paying taxes thinking it would just be a few hundred dollars!!!! 
Little did I know I owed {$7000.00}!!!! 

I have talked for 3months to Merrill Lynch and have no satisfaction. They have said Legally they have done everything right. They told me government set up this rule to not discuss gains and that is upto me as a consumer to know or ask, so I am out of luck. 

There is a lady in XXXX with Merrill Lynch that has done the research and sending the paperwork to me!!!! 
So all I Know is I live in XXXX, XXXX and apparently some banking rules need to be changed so another XXXX citizen does not literally pay the price like I did. 

SincerelyXXXX XXXX
Consumer complaint received 2015-10-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NCB Management Services Inc. (GA)

The 2015 XXXX XXXX truck under purchase from a XXXX, Texas dealership was returnedvoluntarily after contract for vehicle signatures were found to be forged to XXXX XXXX dealership financial group. Deal was extremely padded without my consent or authorization. Legal and binding signatures for myself and co-buyer were submitted tothe Office of Texas Attorney General for legitimate verification of my true and personal signature along with co-buyer. Harassing mail and phone calls for remaining after sale oftruck have come from NCB Management Services of XXXX, PA. They have become extremely belligerent in nature and disturbing. I am requesting immediate halt to their attempt to collect on a forged contract for vehicle purchase.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
Consumer complaint received 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

XXXX XXXX, 2015I previously completed a complaint against Ocwen Mortgage Company. Complaint # XXXX. However, since the complaint process was completed by your organization Litton continues to send me documents concerning Foreclosures. Ocwen is very deceptive they send you a certain report concerning the complaint ; and on the other hand they forward me different documents that they do not share with you. In fact Ocwen did forward me a document stating that the total outstanding amount of my mortgage is {$750000.00} After your agency initiated the process of investigation I received a statement from Ocwen stating that the total outstanding amount was {$390.00}, XXXX. In contrast the latest statement that I received from Ocwen states that my total outstanding mortgage amount is {$300.00}, XXXX. On Friday, XXXX XXXX, 2015, I received papers from XXXX concerning a foreclosure. All these documents that I receive from Ocwen only serve to confuse and upset me. Specially when you consider the fact that I never requested to do business with them. My mortgage loan was transferred to them from XXXX XXXX. I need some assistance and support in dealings with this very " fraudulent '' organization. I do not want them to foreclose my home. Ocwen needs to feel the full effect of the law and discontinue their deceptive practices. Ocwen was already taken to court by Florida 's Attorney General XXXX XXXX and found culpable and not adhering to lawful practices in the mortgage servicing. Kindly, assist me. I do not want to continue being emotionally harassed by Ocwen. As I said before, Ocwen continues to deceive customers, to use fraudulent mortgage practices and get away with it. 

I would very much appreciate your assistance. 

XXXX, Fl XXXXMobile Number : 305-762-XXXXOcwen Mortgage Account # XXXX
Consumer complaint received 2015-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

My mortgage originally was with G.M.A.C. mortgage services. G.M.A.C. filed bankruptcy and Owen loan servicing took over the servicing of the loan. They reported the mortgage for a period of 6 months and then closed the account showing that the loan was transferred to another lender when in-fact they were the company servicing the loan. At this point i have disputed this several times with no success. Ocwen, to this date still have n't shown the account open and it 's now been still showing closed on my credit file for a period of 13 months. I am never late but it has affected my credit score by them not showing that i have an open mortgage on my current credit file. I 'm totally frustrated with this situation and i know that other consumers are experiencing the same level of no service from Ocwen mortgage servicing.
Consumer complaint received 2015-05-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Since my last complaint, number XXXX, The XXXX at Ocwen have started collection efforts in the form of harassing phone calls to collect my XXXX XXXX payment which was received by them on XXXX XXXX and immediately misappropriated. I have called them and they claim that they have corrected the problem, but my account page on their web site STILL shows the XX/XX/XXXX payment plus late charges due. They have NEVER DONE WHAT THEY SAID THEY WOULD DO ON THE PHONE. They blame their " system '' but I pointed out to them that there 's a human somewhere who owns and operates their " system '' AND THAT PERSON IS NOT DOING THEIR JOB. I am deeply concerned that Ocwen is mismanaging my money and my mortgage, and I do not want to get screwed when someone takes off with all the money.
Consumer complaint received 2015-10-20
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Glass Mountain Capital, LLC (LA)

I received a call from someone named XXXX claiming to be from Glass Mountain Capital. He refused to provide his last name or the company 's address. He put me on hold saying he was going to transfer me to his supervisor. The line was then answered by XXXX XXXX. He provided their address of XXXX XXXX XXXX, XXXX, IL XXXX. He asked if I still resided as an address on XXXX XXXX XXXX in XXXX XXXX ( I can not recall the exact address information he gave me ). I stated that that was an extremely old address that I had n't lived at in a very long time. I provided my current address and requested that they send me validation of the debt. He stated that letters had already gone out, and that he would send one to my new address. I asked him how soon I could expect the letter, and he refused to provide an estimate on how long it would take to be sent out. I told him that I would give them seven days to provide validation of the debt or else I would file a report with the CFPB. It has been seven days, and I have not received anything from this company.
Consumer complaint received 2015-05-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I find it hard to believe that an FDIC Bank like CHASE Bank will not take US Currency, yes good ole cash from people depositing into one of there account holders account. I was told I had to have an account at Chase Bank to deposit cash into someone else account at Chase Bank. ie, my Landlords rent payment. How is it possible that a Financial institution does not accept CASH. As well they have a {$6.00} check cashing fee, and do not have any of these policies posted in the lobby so after waiting in line you are turned away. THIS IS ABSURD.
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I am a co-owner of XXXX XXXX XXXX XXXX, XXXX, New Jersey. The mortgage which I believe is an FHA mortgage is serviced by Ocwen. I was behind several payments to Ocwen loan servicing in XX/XX/XXXX. Ocwen refused to accept any payments from me an indicated that they intended to commence a foreclosure action against me. I retained an attorney to help me negotiate a loan modification. I also continued to save the payments that I was not making in a bank account so that if Ocwen required a lump sum payment I could tender the payments to them. In XX/XX/XXXX the attorney negotiated a loan modification trial payment of approximately {$3000.00} per month. I made every single trial payment and continued to make payments to Ocwen. At XXXX point they denied that I made the trial payments, then they acknowledged that the payments were made and indicated there was a problem with there system and they were migrating to a new system. By XX/XX/XXXX they could not give me a concete amount as to what my trial payment was or my permanently modified payment. One month I paid XXXX and then the next month I was told to pay XXXX There was no rhyme reason to the whole process. I have still tendering payments to Ocwen every month. 
Recently Ocwen wrote me to tell me the only reason I am not receiving a Home Affordable Modification Application was because I did not sign the documents. I did sign all documents that were sent to me and returned them to Ocwen. If I did not want the modification I would not have continued to tender the modified payment amount all of these months. My experience with Ocwen has been a maze of confusion that my counsel has not even been able to navigate. Mainly because once a loan modification was negotiated Ocwen dropped the ball for months and months and now maintains that I did not agree to a loan modification when all my action show otherwise. I should not be held accountable for their administrative incompetence. My attorney suggested I file this complaint and if it does not spur the resolution he will initiate litigation. 

My name is XXXX XXXX XXXX XXXX XXXX. 
My loan number with Ocwen is XXXX
Consumer complaint received 2015-09-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (IL)

XXXX payments were sent to M & T BANK for XXXX XXXX XXXX BANK on the date of XXXX XXXX, 2015 in the full amount of {$270000.00}. However, M & T BANKXXXX XXXX XXXX BANK did not credit my account ( Account # XXXX ). In fact, M & T BANKXXXX XXXX XXXX BANK did not even have the courtesy to return my instrument. Therefore, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. See attached Exhibits for further details. As a result, M & T BANKXXXX XXXX XXXX BANK is in violation of tax law as well as a few others such as UCC 3-603 ( b ), UCC 3-411 ( b ) & 31 USC 3302. 

As mentioned above, although a payment was made but was refused. According to UCC 3-603 ( b ), a payment refused is still discharged or settled. In addition, according to 31 USC 3302, custodians of money who or officials or agents not complying with subsection ( b ) of this section may be removed from office. 

Furthermore, according UCC 3-411 ( b ), " a bank which refuses to pay a dishonored teller 's check, the person asserting the right to enforce the check is entitled to compensation for expenses and loss of interest resulting from the nonpayment and may recover consequential damages if the obligated bank refuses to pay after receiving notice of particular circumstances giving rise to the damages. ''
Consumer complaint received 2015-05-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Pioneer Credit Company, Inc (KY)

I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX I get a letter from an attorney saing or warning me that a creditor is about to sue me, and that he is willing to help fight it. Then in the next XXXX of days I get a letter form HSBC Bank Nevada , N.A . that I should call them or they 'll be forced to settle a judgement in court.
Consumer complaint received 2015-05-08
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Capital (TN)

I think the debt is too old. It occured in 2011.The payday loan was XXXX XXXX Armands XXXX XXXX I do n't recall if I pay them. They sold this debt to a collection agency called Direct Capital Associates.XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 
They call me numerous times a day. They called relatives I did not give permission for them to call. My mother, brother and sister-in law. They threatened me to my family telling them I am going to court and going to prison. This has caused me so many problems and I have XXXX. I am so upset and ca n't handle this. 

Please do yourself a favor and learn from me. Please do not take out payday loans. They are expensive and the companies will torment you, by calling continuously, even before it is time to pay. I truly believe they should be outlawed. I know people need money. Please try to learn strategies on managing money. This has been a big lesson for me. I do n't care if I have to do with out food, I would never do this again. This was in 2011 and I thought I paid them.
Consumer complaint received 2015-05-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

on XXXX/XXXX/15 I sent a money transfer to capital one bank, XXXX, XXXX. we heard nothing from anyone until about XX/XX/XXXX, bank received information and that stopped the transfer. n asked for a letter to request the return of the funds that is attached. as of this time no money has been received back and they will not talk to me or give me any explanation. the money was for a business and due to them holding it it has caused great losses to me.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (VA)

Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : DIVERSIFIED CONSULTANT {$1500.00} Collections ( XXXX ) The collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Debt collector for portfolio recovery services continues to call my cell phone about someone else 's debt. I told them they have the wrong number. When I asked how they got it they refused to tell me and told me that my friend gave it to them. He never gave them my phone number. They have used automated dialing systems to call my cell phone without consent. When I called to have my number removed the lady was very unprofessional and rude. I asked for a supervisor and she disconnected the call. I told her I needed her to listen to me and she said " not today ''. And asked me why I was calling about someone else 's account - when I was returning the call they left me. I called back and the supervisor refused to give me information about their company such as where they are located and what is their contact information for corporate. I had to ask several times if it was a debt collection agency before he confirmed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2015-08-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

I had an XXXX XXXX credit card with a credit limit of {$110.00}. I lost my job so I could not make the payments. The balance owed on the card was {$86.00}. A collection agency bought the debt and is charging me an unfair price of {$390.00}. I did make a payment to them for {$50.00} on XXXX/XXXX/14 when the asking balance was {$340.00}. I do n't know how or why the balance is now {$390.00}. I did dispute this with the credit agency but they said this is justified.
Consumer complaint received 2015-08-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NY)

I entered into a financing contract in XXXX for a Honda Civic XXXX at {$470.00} a month with a % XXXX interest rate. In XXXX I inquired with American Honda about refinancing my original contract because my monthly note and interest rate was too high. American Honda finance was unwilling to work with my request. XXXX XXXX after falling behind payments, my car was repossessed with an unregulated GPS tracking system used by American Honda finance. I contacted my local congressman 's office about subprime lending and predatory lending issues I experienced with American Honda finance and received no help from congressman 's office. Recently, my car was sold at {$10.00}, XXXX in a private sale because I was unable to acquire a secure loan for {$17000.00} to retrieve my car from American Honda repossession lot. After the sale of the car, I now have a car deficiency of {$6900.00}. I am a victim of predatory and discriminatory lending committed by American Honda finance.
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX i opened up a checking and money market accts@Citibank.I was assured that both accts would be tied together to eliminate any service charges to my checking acct.XX/XX/XXXX i went to my bank and found out a $ XXXX/mo service was in fact being charged to my checking acct.I phoned customer service @ XXXX and spoke to a supervisor named XXXX, who informed me that no service fee was charged to my checking from XX/XX/XXXX until XX/XX/XXXX.On XX/XX/XXXX a ( Sweep ) was performed to my checking acct which somehow activated a {$30.00} service charge to my checking.XXXX informed me that a {$630.00} credit would be applied to my checking.XX/XX/XXXX to XX/XX/XXXX.