davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

equifax is showing hard inquiry by XXXX XXXX on XXXX XXXX, 2015. 
I get numerous mailings from XXXX XXXX. I live in the woods and was told to call XXXX XXXX and see if they could provide coverage. That was it. I never applied or inferred that I was going to switch from my Cable Company to them. I never followed up on my questions because I am happy with my Cable provider.
Consumer complaint received 2016-02-02
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

This is the second time this happened. I sent money to my son XXXX and i had to call due to the fact my name is on a list for drug something or another but my name is a common name so the first time i had to call was fine but my name should 've been removed from that list so it happened last night again and the wait time to talk to someone is simply unacceptable. I will not ever be using Money Gram again. I am a hard working man and i should n't had to even go through that once let alone twice!
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

XXXX XXXX here, I am new customer to M & T ( end of XXXX ) and I was offended to see when I first looked at my statements from XXXX and XXXX that I have been charged over {$120.00} in ATM fees. I understand that account sometimes had fees but I had no idea that M & T would charge me {$3.00} per transaction just to check a balance?! I was charged {$3.00} approximately XXXX times in XXXX months to check my balance from other ATMS!? I was told at XXXX XXXX NY branch that " I thought they stopped that ''. I was charged to check my balance also! I feel as if I am being targeted due to my low income.
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NC)

I had a secured credit card account with Wells Fargo XXXX XXXX XXXX XXXX XXXX. I went to close my account on XXXX/XXXX/2015 because of personalXXXX XXXX. When asked why I was closing my account. I replied I disagree with your XXXX advertisements on TV. I find it offensive to me and my family. I do n't care if you are XXXX but I do not want it shoved in my face every day and expect my to accept it. They refused to close my account and return my money at first. I told them that was a violation of Federal Banking regulation. Then they stated they would close it but would take XXXX days to make sure there was nothing outstanding. I had already check it to make sure their was nothing outstanding. If I can check my bank account at home for daily charges why ca n't the bank do it while I was standing there? If I have to give them money to open an account ; why ca n't I get my money immediately upon closing my account? 

Thank you for your cooperation in this matterXXXX XXXX
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority (NC)

I had my mortgage with XXXX Mortgage and now it has been transferred XXXX, which is serviced by ServiSolutions. I was not notified of the transfer until the transfer had already happened, and my mortgage payment that I scheduled for XXXX XXXX, 2016 ( which was due XXXX/XXXX/2016 ) did not go through to XXXX because they had already transferred it from that point. I have received nothing from ServiSolutions and have n't been able to pay through them via their site or phone because neither have worked for me ( the site is saying they do n't have my loan and no one is picking up the phone ). I only received a letter from XXXX on XXXX.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have a student loan with University XXXX that has had XXXX dollars foegiven as part of a XXXX forgiveness and is in defirment currently. On transunion it is stilll reporting as in collection and for XXXX. When it is current and is only XXXX. I have disputed multiple times to get it fixed to get a response that it has been confirmed in the wrong status of in collection and for XXXX. It is reported correctly on my other credit reports. I call XXXX and they state they are reporting it correctly. I am trying again with print outs from XXXX but this is now my XXXX or XXXX dispute with transunion.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (NV)

This was a medical expense for an expensive procedure that was eventually covered in full by my insurance. At first my insurance only covered the expense as out of network, but I filed an appeal and eventually got my insurance to cover the entire expense as in-network. The appeal process took a long time, but all the while I called XXXX the doctors office XXXX and the debt collector ( Allied Collection Services ) several times to inform them they will likely be paid by the insurance company, not me. I provided them with documents proving my claim was still under review by my insurance. They would n't even take them from me. 

The debt collectors response was to threaten me with over {$700.00} in legal fees and interest. They also threatened to report me to the credit agencies. In order to " avoid all of this '' they forced me to sign a Promissory Note for the debt that was still in dispute. Before I signed I added notes to the side of the Promissory Note saying they will not do any of the above if and when they are paid by insurance. ( see attached ). They obviously ignored that, as even after my insurance has paid in full they reported " my debt '' to the credit agencies as unpaid. 

I have forgotten bills before, and I have had the unfortunate experience of dealing with debt collectors before. However, I have to say this debt collector was absolutely horrible to work with. Their tactics are horrible, they care nothing of the circumstances of the debt in question, and do not hesitate to threaten all kinds of actions against you. Also, when you call or visit them they transfer you from person to person each without enough experience/authority to do anything other than repeat the above threats.
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Columbia, Inc. (MO)

Received a collections notice on XXXX/XXXX/XXXX from Accounts Management Services ( AMS ) regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX " treatment non transport '' calls on my daughter that Medicaid wo n't cover. The bills were sent to an incorrect address until the accounts were listed for collection and then finally sent to my correct address. I asked if XXXX would retract the collection and they refused. 
The run for XXXX/XXXX/XXXX was AFTER my daughter reached the age of majority on XXXX/XXXX/XXXX. Because I was previously listed as responsible party, the bill is in my name. XXXX at AMS stated they could not remove that account until XXXX separated them. So basically, I can claim anyone as a responsible party and they can pay my bills? This is not right. I contacted XXXX and XXXX was very rude. I faxed both AMS and XXXX the court ordered parenting plan stating XXXX parents must split uninsured medical costs and AMS refuses to abide by the order. XXXX at XXXX stated she would attempt to remove the majority call from my name as my daughter would be legally responsible for that run and that she would attempt to bill my ex husband for his half of the debt. XXXX stated she would contact the collection agency regarding this.
Consumer complaint received 2015-12-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had money in my savings account to pay my rent. It was taken and put into my over-drawn checking account without my permission. I spoke with a supervisor XXXX XXXX who was very condescending and kept saying " Why do you have to be reminded to put money in your account '' kept saying it over and over again. I told her I am not a child and she ca n't talk to me like that. I did not authorize money to be taken from my savings and put into my checking account. I told her to let me talk to someone else and she transferred me to a voice mail for XXXX XXXX. My account is overdrawn mostly by fees.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (VA)

I purchased cell phone charging cables from an on-line vendor. Within 3 weeks they all stopped working. I contact the vendor, via email, and they promptly told me to return them, they would test them and either send them back or replace them. So i did. After the cables were sent back I sent XXXX separate emails telling the vendor that the cable were on they 're way and to let me know if there was any issues. I never got another reply from this vendor. 
I requested Discover Card to refund my money and have been denied several times. What ever happened to the " Customer is always right ''? Discover has refused to entertain the fact the vendor is lying and had never intended to replace the cables.
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have an issue with Bank of America taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I AM ATTEMPTING TO PAY OFF MY MORTGAGE - LOAN NUMBER XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX. WE NEED TO LOCATE THE MORTGAGE SO WE CAN ACQUIRE THE EXACT PAYOFF AMOUNT SO WE DO NOT MAKE ANY MISTAKES AND THAT THE MORTGAGE IS PROPERLY CANCELED. THE XXXX XXXX XXXX XXXX WILL HAVE ALL NECESSARY INFORMATION REGARDING THIS PARTICULAR LOAN THAT WE NEED - THE XXXX TRUST, THE REPURCHASE DATE AS PER INVESTOR REQUEST, THE CURRENT LOCATION AND ANY DOCUMENTS OR INFORMATION SURROUNDING THE REPURCHASE AND TRANSFER WHICH TOOK PLACE. WE HAVE ATTEMPTED SEVERAL TIMES TO GATHER THIS INFORMATION DIRECTLY FROM XXXX XXXX HOWEVER THE SERVICE HAS BEEN FRAGMENTED SO WE HAVE HAD TO RESORT TO USING THE CFPB IN ORDER TO DOCUMENT THIS IMPORTANT REQUEST FOR INFORMATION AND DOCUMENTS REGARDING OUR MORTGAGE REPURCHASE.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXXEquifax credit reporting agency has put incorrect information on my credit report pertaining to my mortgage loan, they marked me late for the months of XXXX XXXX  .my loan was not late each of those months, my mortgage loan was paid on time and also I spoke to XXXX XXXX  Home mortgage about the situation and they stated that my account was not late and for me to take this matter up with the credit bureaus that reported me late. I have reached out to the credit bureaus but I haven't gotten anything in return from them.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (CA)

I have been in touch with over XXXX lenders up to and including the bank VP for Lending and have not received XXXX offer to refinance my current, well above market rate, loan. The problem seems to be that I do not meet the debt-to-income ratio Dodd-Frank implemented to " protect '' me. Thanks guys! 
I am seeking to refinance my XXXX XXXX %, fixed rate, {$130000.00} loan which matures in XX/XX/XXXX. The property is 40 % LTV, I have a XXXX FICO score, have never missed a payment, and have a liquid net worth excluding real estate equity over {$500000.00}. I earn money by investing and my XX/XX/XXXX AGI was over {$XXXX}. 
Obviously, it is difficult to imagine not being able to make the payments any time soon and harder to imagine letting the home go to foreclosure. Moreover, as I am not asking for additional capital, simply to not pay an extra {$2000.00} a year in interest, a new loan could only lower my risk. 
I would like to better understand how this legislation has done anything to protect/help me, a financially secure, responsible, savvy consumer.
Consumer complaint received 2016-01-13
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

On XXXX/XXXX/2015 I made XXXX payments of {$3700.00} to Bayview Loan Servicing. XXXX was my XXXX monthly payment, the other was to be applied to principal. When I called Bayview customer service advised me that payment would not be applied to principal but would be applied as my XXXX, 2015 payment. 
I refinanced my mortgage and changed servicers before the XXXX payment was due. The refinance closed on XXXX/XXXX/2015, the escrow company wired the full payoff amount to Bayview on XXXX/XXXX/2015. The amount wired was {$470000.00}, as per the payoff quote sent by Bayview. Bayview did not process that wire until XXXX/XXXX/2015. 
Per Bayview 's own activity statement the principal portion of the XXXX payment was applied to the loan balance on XXXX/XXXX/2015. The interest portion was not applied to the loan balance, it is being held in suspense. The payoff amount requested by Bayview excluded the interest portion of the second payment. I expect Bayview to refund me the interest portion of that extra payment, but as of today they have not. 
I waited XXXX days after paying off Bayview for the interest to be refunded. I have made numerous phone calls to Bayview. On XXXX/XXXX/2015, I faxed a written request to a manager named XXXX : fax XXXX. I called the following week, spoke to an agent who confirmed that the fax was received. The agent advised me that it could take up to XXXX days to resolve the issue, but to follow up because these issues are normally resolved much faster. On XXXX/XXXX/2015 I called again, spoke to another agent who said that there was no case being worked on at all. The agent advised me to email a copy of the fax I 'd sent on XXXX XXXX to XXXXXXXXXXXX, which I did. 
As you can see by the attached documentation, I am due the {$2000.00} that was never applied to my loan balance. Bayview has kept these funds for over XXXX days and has yet to acknowledge my repeated requests. I need the help of CFPB as I have tried in good faith to work directly with Bayview and have yet to receive a refund.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed reported late payments from child support office to Transunion. The late payments were taken off my credit report by Transunion on XXXX XXXX, 2016 and told me their investigation was complete and items were removed from credit report. However, on XXXX XXXX, 2016 they added these late payments back to my credit report and are telling me these late payments are reporting correctly. I have called the Office of the attorney General and they told me that they have not reported anything to Transunion after the resolution date of XXXX XXXX 2016 removing late payments from credit. 
If The OAG did n't report anything after XXXX XXXX, 2016 how is Transunion saying this is reporting correctly and add it back to my credit.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Recently, I filed a dispute with XXXX in regards to my XXXX XXXX XXXX credit card. XXXX was reporting the account on my credit bureau twice and had an incorrect balance ( {$14000.00} ). On XXXX/XXXX/XXXX XXXX sent an update to the bureau 's that removed XXXX of the duplicate accounts from my credit file, however the failed to update the correct balance and payment history on my account, but put that the updated information was as of XXXX/XXXX/XXXX making it appear to other creditors that I had not made a payment on my account since XXXX of XXXX resulting in my account being 4 months past due. This caused another lender to significantly reduce my credit line less then 48 hours after the update XXXX sent to the bureaus. I called XXXX to get this resolved, I spoke with XXXX representatives from the XXXX XXXX XXXX ( XXXX XXXX XXXX ). Both informed me that I needed to fill out there disputes form and mail it in with a complete copy of my credit report. I informed them that I have already filed the dispute with the credit bureau directly and that under the fair credit report act / FACT ACT I have met my regulatory requirement in filing the dispute and that I do not have access to a printer. In order for me to complete there form and send them my report I would have to travel XXXX minutes to the nearest FedEx to print the form and report which is XXXX pages long which would cost me near {$10.00} in just printing charges and then additional charges to ship it, not to mention the XXXX hours I have now spent on the phone trying to get this resolved and an additional XXXX minutes each way just to the store. This is highly unacceptable. I have met my legal requirement to get this matter resolved. I scanned into there system the paperwork and evidence that they require for resolution which is above and beyond the legal requirement to get this corrected. They have caused adverse action to be taken against me within XXXX hours of there mistake and could cause additional adverse action to be taken that XXXX not be reversible. I am already being told that additional inquiries will be necessary in order to reverse the adverse action once the correction has been made by XXXX which will further deteriorate my credit score. 

XXXX made not XXXX but XXXX mistakes, and after following the proper legal course of action they do not wish to own up to there mistake and fix it with out causing additional delays and potential damage to me. No other financial institution has this requirement, it is not a requirement mandated by any law. They need to fix there broken process and correct there error immediately.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ID)

We applied for and received a XXXX loan modification last year in XXXX 2015. Ocwen Loan Service was the loan servicer, it was a truly difficult process. 
We owed about XXXX at 6.5 % payment about {$2900.00}. We were approved, 4 years at 2 %, then 1 year at 3 %, then 1 year at 4 %. Our payment now is about {$2300.00}. 
In XXXX 2015 the loan was transfer/ sold to XXXX XXXX and I received a notification that we were short on our escrow of {$3000.00}. As I dug into the paperwork, I saw a {$2900.00} payment out of the escrow and it looks like it went back to Ocwen in late XXXX. I wrote both companies and complained about the issue and they responded that everything was right. But everything is not right. 

I just sat down to do our taxes and it was reported that we paid Ocwen around {$3000.00} in interest and paid XXXX about {$3000.00} in interest. total about {$6000.00} We usually pay about {$16000.00} in interest a year. I glanced at the statement last night and it looks like the credited themselves about {$9000.00} XXXX XXXX different {$1500.00} payments ) from interest payments back to Ocwen in XXXX 2015 XXXX around the time of the modification ). 
I am currently looking for an accountant or attorney that may be familiar with XXXX rules to help look through this process and see if it was handled correctly? 

I believe that that the HAMP modification performed by this company has been thoroughly screwed up. I would like to know if you have heard of other people complaining or are concerned that Ocwen may have taken advantage of? 

I would be willing to send all the appropriate documentation if there is someone that may be willing to help me go through this issue.
Consumer complaint received 2015-07-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sortis Financial, Inc. (MS)

We had a scam on our house by XXXX XXXX XXXX of XXXX, Ms . The owner skipped the country with most of the money they collected. I have paid on this since XXXX to XXXX XXXX until they went into bankruptcy last year ( XXXX ). Since then I had been paying the Bankruptcy Division in XXXX, Ms . In XXXX of XXXX a company named XXXX XXXX XXXX took over. I have sent them copies of my cancelled checks for all of XXXX and XXXX. I happened to forget about XXXX XXXX payment and sent it in this XXXX with my XXXX payment. I have already sent XXXX XXXX payment to them but they keep sending a statement saying I have been delinquent since XXXX XXXX. At the time of the transfer to Clearspring I had to get them to deposit at least 3 month checks that they kept telling me they did not have. They finally deposited them. I do not want to lose my house over this. I have repeatedly tried to get this fixed. I have all letters, e-mail communications etc. with the Bankruptcy court and XXXX. I ca n't seem to trust anyone to deposit my checks so I can have proof. I do n't want to give them my card to take out my payments because I do n't trust them.