davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (FL)

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Complaint Against PHH Mortgage, XXXX, and XXXX XXXX XXXX  for Denial of Loan Modification Request Consumer : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX Phone Number : XXXX Email : XXXX Complaint Details : I am writing to formally file a complaint against PHH Mortgage, XXXX, and XXXX XXXX XXXX  for the denial of my loan modification request. I have been experiencing severe financial hardship due to multiple hospitalizations stemming from ongoing health conditions. Despite providing all the necessary documentation and explaining my situation in detail, my request for a loan modification has been unfairly denied. 

Hardship Details : Medical Hardship : My financial difficulties are a direct result of numerous hospitalizations related to serious health conditions. These health challenges have significantly impacted my ability to maintain regular employment and, consequently, to meet my mortgage obligations. 

Income Support : Despite my current hardships, I have a clear plan to resolve my financial difficulties. My two daughters have committed to assisting me financially. Their income documents, which demonstrate their ability to contribute to the mortgage payments, have been submitted along with the modification request.

Unfair Denial : Despite providing all required documentation and outlining my situation, PHH Mortgage, XXXX, and XXXX XXXX XXXX  have denied my request without offering a clear or fair explanation. This denial has placed me in a precarious financial situation, with the looming threat of losing my home. 

Resolution Sought : I am requesting the CFPB 's intervention to ensure that my loan modification request is reconsidered fairly. Specifically, I am seeking : Reevaluation of Loan Modification Request : A thorough and fair reconsideration of my loan modification request, taking into account the provided documentation and the financial assistance from my daughters.

Clear Communication : A detailed explanation of the reasons behind the initial denial and a transparent process for reevaluating my application.

Immediate Relief : While my modification request is being reevaluated, I request that any foreclosure or related actions be paused to prevent further financial and emotional distress.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue.

Attachments : Income documents from both daughters.

Medical records ( if applicable ).

Correspondence related to the loan modification request. 
Signature : XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXXRequired by 12CFR 1006.34 ( b ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify accuracy of the debt they claim that I owe. 
XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.

Capital One has resorted to false, misleading and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 
XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By Capital One neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Capital One is flagrantly disrespecting consumer protection statues.

I demand that the Consumer Financial Protection Bureau investigate these egregious reporting immediately.
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit sued me in XXXX County for debt my nephew, XXXX XXXX, defaulted on a credit card. I was not a cosigner on this account. This occurred in XXXX County Superior Court and XXXX XXXX Justice Court. I found this out because I am selling my home. Midland sued me in XXXX XXXX Justice Court and XXXX County Superior Court for the amount my nephew owes. Midland did this because I signed and beneficiary deed giving my home to my nephew after I die. That deed has been revoked. Midland had no right to sue me.
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: HUNTINGTON NATIONAL BANK, THE (WV)

My application was mishandled from the very beginning by the Mortgage Loan Originator. Specific documentation was misrepresented or not requested. My application was submitted for underwriting several times and kept being returned because my file was not completed correctly. I was told my tax returns needed to be amended to close though loan although I had already submitted an amendment. My first amendment was accepted by the IRS and the mortgage company refused to process because the second amendment was not matching the transcript for the first amendment. The mortgage underwriters then went back and accepted the first amendment after I rescinded the second amendment the mortgage company said was necessary to process. 
The delays in the request for information took me past my original credit report. The originator had told me via email that my credit report did not expire until XX/XX/year>. Then the Director in Mortgage told me that it expired on XX/XX/year> which was two days before my delayed closing was due to be scheduled. I was told my second credit report was within DTI limits to schedule closing then I was told the next day that my student loans were never counted from the beginning and had to be counted at XXXX XXXX. This was an additional failure on the front end which cost me my loan approval since counting the loans put me over my DTI ratio. I was told that I had to obtain a payment amount from my loan servicer so that they would not have to count the entire XXXX XXXX. Department of Education has placed a hold on all IDR payment plans and put these loans on executive forbearance. Therefore, I could not obtain a loan payment even if I wanted to. 
All throughout the process I returned requested forms and information immediately. I was told I was brought up on a " random audit '' which put my application and documentation under higher scrutiny. 
The delays and flagrant mishandling of my file caused the process to extend and additional month. I went with this bank alone and now have no alternative for funding that I can obtain rapidly enough to close on my home. 
I received no apologies and the life of my family will forever be affected by the errors made by this bank. They did not offer me any alternative loan products, they only told me that they could not approve the loan.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has charged me late fees of around {$35.00}. This is over the legal limit of {$8.00}. 

They changed me these as recently as XXXX of XXXX, which is well beyond when the new {$8.00} law was implemented.
Consumer complaint received 2016-01-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I am writing to file a complaint against Chase Bank for moving XXXX of my transactions around to charge me XXXX extra overdraft fees. Currently, I have XXXX overdraft fee charges on my account, and I was expecting XXXX but I feel like the other XXXX are unjust. The XXXX transactions that I was unjustly charged the overdraft fees for were made before a larger ( XXXX ) cash advance. But, the cash advance ( made evening of XXXX XXXX ) was processed before these XXXX smaller charges, a XXXX XXXX charge on Friday XXXX XXXX and a {$10.00} ACH Debit on Monday XXXX XXXX, causing me to receive XXXX additional overdraft charges.
Consumer complaint received 2016-01-22
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

What justifies CEO XXXX XXXX To get such a large increase in salary and all the other Executives in JP morgan banking. To have a XXXX dollar salary is not justified to throw at someones salary. HOW MUCH IS ENOUGH. Charge higher rates on credit cards, higher rater on ATM fees, higher rates on small buisness checking accounts, mortgages etc, so the people trying to makie a living go in to debt and all the chase excutives live like XXXX.WHAT IS WRONG WITH YOU PEOPLE HOW MUCH IS ENOUGH. HELP THE LITTLE PEOPLE.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Every time I try to dispute inaccurate information on my credit report, Experian locks me out of my online access to my report files as well as the online document upload. I am a victim of identity theft and Experian is intentionally making this dispute process difficult for me.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I have applied on several occasion for a home loan modification with OCWEN Loan Servicing and a Deed-In-Lieu and each time they have denied it or lost my paperwork until I stopped paying the mortgage all together. In 2012 there were enhancements made to the HAMP program that they did not follow as I am XXXX military and was displaced by a XXXX move.
Consumer complaint received 2016-01-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

PennyMac took my XXXX XXXX mortgage payment of {$1600.00} and applied it to late fees and then put the rest in escrow. Then they reported my mortgage as being 30 days late causing my credit score to drop XXXX points. When I called them on XXXX XXXX, XXXX, the rep I spoke to acknowledged what they did, apologized and said she would fix everything including reporting to the credit bureau that I was never late. All she said was I owed {$180.00} in late fees which I paid on the spot. I could hear her boss in the backroom agreeing with everything she was saying to me. The next day XXXX XXXX I paid my XXXX payment of {$1600.00}. That afternoon I started receiving calls that my mortgage was late and I called them back every time. They called on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and now today the XXXX. Every call was XXXX plus minutes long stating everything that was taking care of on the XXXX XXXX call. Everyday but today they have said oh ok, we will make a note of this and it will be fixed. With the exception of today, today the rep tells me, that the conversation never happened on the XXXX even thought I asked her several times to review the recording tapes and that I still owe {$1300.00} for XXXX payment. 
Obviously no one there knows what they are doing and as the customer I am getting the raw end of the deal. 
The women I am speaking too now is telling me I am wrong about everything and I owe an additional {$1300.00} before all this will be fixed. So now the payment I made for {$1600.00} for my XXXX payment was again applied to late fees. 

This company obviously does not know what they are doing and should not be handling my mortgage.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Dear Sir/Madam I am at my wits end and I 'm in desperate need of your help. 
I have tried very hard for more than 3 years to get loan modification from Select Portfolio Servicing , Inc . I have been denied all of these times because of : my income was low or I do not have enough assets to support repayment plan. I have even offered them a substantial amount of money for down payment to help a modification along. I have been to court conferences in NY and worked with HUD-approved foreclosure prevention counselor for more than 3 years. I have submitted completed XXXX applications along with supporting documents at least 8 times so far. Many times the assigned relationship manager, which kept changing, would not call for months. 

I lost all my business due to hurricane XXXX in XXXX and XXXX XXXX, NY was declared a disaster zone by the Federal Government. Property values dropped drastically. There was loss of rental income. My mother and father passed away. At the advice of my housing counselor, I rented some rooms to boarders and had my son move in with me and contribute to show the bank more income. They denied the application this time for too much income.
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Credit Control (CA)

I received a notice from Continental Credit Control stating that I owed money for medical services. I promptly wrote back stating that I denied this debt, and asked them to provide me billing statements, when they obtained this debt, an itemized statement, did they bill my insurance, etc. I wrote to them twice. I did not receive the information I asked for. Instead I only received something that looks like billing codes from the doctor 's office. I then received a notice from Continental Credit Control that they were going to report this debt on my credit report. I think they have a duty to provide me with the requested information before they can take further action.
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Bankruptcy — 
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16
Consumer complaint received 2016-01-22
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VA)

I received 3 calls to my cell phone on XXXX/XXXX/2016 and 2 more today XXXX/XXXX/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Equifax is holding XXXX mortgage accounts on my credit report well over 10 years since they were paid in full. Evey time I try to dispute them they change the date reported to a new current date and tell me they now have to stay on my report another 10 years. This will make them over 20 years old. I have called both lenders and they tell me they no longer have records of these accounts and just report to Equifax that I did have these loans at XXXX time. This is the only credit bureau doing business this way and tell me it is their policy? I want these removed from my credit report ASAP.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

OCWEN LOAN SERVICING , LLC IS COMMITING FRAUD BY INCREASING MY MONTHLY MORTGAGE PAYMENT FROM {$1400.00} TO {$5200.00} PER MONTH. I AM BEING ASKED TO PAY THIS PAYMENT ON XXXX/XXXX/15. IF I DO NOT PAY, MY HOME WILL BE FORECLOSED ON. SEE ATTACHED FRAUDULENT ESCROW ANALYSIS. I complained on XXXX/XXXX/15 to XXXX, ID XXXX and XXXX ID XXXX but no result. was promised by XXXX that he would call me in XXXX to XXXX business days but neither him or anyone else from Ocwen has contacted me. He acknowledged that the escrow analysis was incorrect as it reflected disbursements of {$50000.00} instead of {$7800.00}.
Consumer complaint received 2016-01-22
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions ....
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

Original Dispute # XXXX : XXXX XXXX XXXX. XXXX XXXX. 

This account stems from a landlord/tenant situation, in which the the landlord did not provide habitable living conditions. The landlord then failed to adequately respond to my repeated attempts to remedy the conditions. Thus leading to a Constructive Eviction. The attachment provided is a email correspondence, between myself and the property manager, in which I make repeated attempts to have them remove mold from the premises, provide warm water, and remove mold from the dishwasher. Failure to take action to remove the mold is in direct violation of Indiana law : IC XXXX XXXX XXXX Par XXXX : Landlord shall comply with all health and housing codes applicable to the rental premises. Failure to address the fact that there was no warm water is in direct violation of Indiana Law : IC XXXX Section XXXX Par XXXX : Plumming systems sufficient to accommodate reasonable supply of hot and cold water at all times. Failure to remedy the mold growth in the dishwasher was in direct violation of Indiana Law : IC XXXX Section XXXX Par XXXX F : provide and maintain the following in good and safe working condition ... Appliances supplied as an inducement to the rental agreement. 

After making several attempts to work with the landlord to remedy the aforementioned issues, all of which under Indiana statute qualify the living conditions to be uninhabitable, I involved the Indiana HUD Department. It was only after my contacting the HUD Department that the property manager began to take my issues seriously, and in response to my statement that their failure to do so in an adequate time frame constituted a constructive eviction, acknowledged that the upon my leaving the apartment would terminate the lease, which I did under the prescribed time frame. 

Under Constructive Eviction, I am within my rights to withhold rent payment, until the landlord remedies the situation, and provides inhabitable conditions. In addition, under constructive eviction the tenant is not liable for past due rent incurred while the apartment was uninhabitable. They allowed me to break the lease because they knew the apartment was uninhabitable, never returned my security deposit, and are now seeking legal actions against me, contrary to what they stated in their email response, seeking to receive money for items such as past due rent, etc., for which they are not legally entitled to under a constructive eviction. 

From my date of move-in the issues in the apartment were clearly documented ( Move in inspection ), they failed to rectify them. Upon discovering the mold, and taking my first shower in freezing cold water, these issues were clearly communicated to the landlord, and documented. I was essentially ignored until I involved the HUD Department, at which time the landlord told me I could move out, and the lease would be terminated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Consumer complaint received 2016-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

School : XXXX University, XXXX I am having issues with my loan servicer & bank. I have a private student loan financed by XXXX XXXX and serviced by American Education Services ( AES ). I was on a repayment plan with lower, affordable payments. When that repayment plan expired, my payments doubled and I was not able to afford them. I called several times and asked for other payment plan alternatives. Each time, they asked me a series of specific questions and were not transparent about the process. They were fishing for specific answers and if I did not respond with those answers they would deny my request and not help any further. For example, what I gathered from a group of questions was that if you were unemployed, they would only grant you a forbearance if you could prove that you have a job that starts in the near future. I had a job, I just could not afford my payment doubled. At one point, one representative told me to just pay what I can afford and my account would stay in good standing. I knew that was a lie. I 've continued to request help with repayment and have been denied each time. I continued to make payments each month with what I could afford. That amount has even increased over time. But the amount past due on the account continues to grow and my account is delinquent. This seems unfair considering I make a payment each month. I believe they are collecting as much as they can from me now, only to sell my debt to a collector where my options will be even more limited and my credit ruined. I have been dealing with this for about a year now.