davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation (VA)

I have a mortgage loan through Home Point Financial. I privately purchase flood insurance for the property which I have the mortgage through. Home Point financial has illegally set up an escrow account for the flood insurance which I am purchasing privately. I have contacted them multiple times via telephone and sent multiple faxes requesting that this unauthorized account be removed from my mortgage. They have refused. They are not authorized to collect payment for a service which I am privately purchasing.
Consumer complaint received 2015-08-20
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: National Arbitration Forum (VA)

I continue to get calls from ( XXXX ) XXXX on my home phone looking for XXXX XXXX. I have advised them XXXX in the past year I do not know this person - please remove my phone #. I got another call 2 days ago and called them today to advise they have a wrong # referencing the # they request of XXXX. In a few months they will call again - a live person leaves a message about a pending Court date for XXXX XXXX.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I believe I am the victim of a wrongful auto repossession. I had difficulty paying my auto loan, NOT because of inability to pay, but because of problems with the bank 's bill payment system. I was told this would be resolved, but it was not over several months. I received only the first paper bill ; subsequent electronic bills were emailed, but the embedded links did not work. I was not able to pay the bill online, or at local banking centers. My car was taken from my driveway in the early hours on XXXX XXXX, though I gave up keys willingly. I did not receive any notice of default, nor of repossession. I have since paid the payoff balance for the loan ; however due to excessive storage fees, I have been unable to retrieve the car. I have exhausted funds to rent a car and plan to file for replevin and money damages as quickly as possible. Additionally, I would like to lodge a complaint with the CFPB.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NM)

I applied for a construction to permanent loan with XXXX XXXX in XX/XX/XXXX. With the builders contract, they required me to borrow more money than the contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed. 
Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over XXXX years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XX/XX/XXXX they approved the modification, and gave me XXXX hours to sign the documentation and return it to them. That same day my dad XXXX and was in the hospital. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification. 
After some time, XXXX XXXX accepted the original terms of the loan modification. It is a XXXX yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan. 
Last year the same loan was sold to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared I was being set up again to fall behind in the payments. 
It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws, XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house. 

Any help, assistance, advice, would be much appreciated.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

After finalizing a loan that absorbs a previous loan, a miscalculation based on poor advice from the bank led to a series of debits to my checking and savings accounts, and overage charges to my credit card. 

Wells Fargo is unwilling to provide a chronological, descriptive accounting of these transactions, so that I can ascertain if ( as I believe ) my accounts were debited more than once to repay the original credit card issue. 

Rather than providing the documentation, they insist on my returning phone calls despite withholding information regarding the calls ; they give no last name or title of the person phoning me, nor any agenda or extension to return the calls. 

Wells Fargo 's incessant telephone menu items preclude connection with a banker, when the issue at hand does not meet the criteria they offer ; hence, attempting that route has proven frustratingly unproductive to me.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to XXXX and Experien to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (VA)

I have spent countless hours and thousands of dollars cleaning up my credit report in order to refinance my home mortgage. I have paid membership to this credit agency which allows me to monitor my credit and my credit score. this membership costs me {$240.00} a year and I expect to have accurate information. 
I recently applied for a refinance loan because the credit score that I see when I log into my account shows XXXX. However, when the lender pulled my credit scores they indicated that my score is XXXX, almost a XXXX point difference. I was denied the loan because their minimum score is XXXX. I do not understand why the scores are so different and why I am not advised as to any other scores that may be provided to creditors.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

On XXXX XXXX, 2015, I spoke with XXXX at Rushmore and confirmed all documents were received and sent to be reviewed. XXXX XXXX called the homeowner to ask for social security benefits documents and it was faxed over XXXX times. After confirming that the documents were received, Rushmore foreclosed on XXXX XXXX who is XXXX years old. XXXX XXXX has no where to go and the abuse that 's going on against the elderly must stop.
Consumer complaint received 2017-02-16
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (DE)

I have had accounts with PayPal since XX/XX/XXXX. The first in XX/XX/XXXX the second was canceled due to a problem with an order I sold on eBay. I had another issue with PayPal in XX/XX/XXXX and another in XX/XX/XXXX. I was under the impression that these were cleared up since I was able to open up a PayPal account under my same social security number that I used for the other accounts. I have had the newest account for several years now with no problems. Last week I sold several items on eBay and I was then told by PayPal that they were restricting my account access and seizing my funds to collect on money they believe I owe from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. The amounts they claim I owe is {$170.00} from XX/XX/XXXX, {$700.00} from XX/XX/XXXX and {$530.00} from XX/XX/XXXX. I lived in XXXX at the time and them I moved to XXXX in XX/XX/XXXX. There is a statue of limitations in XXXX for debtors to collect past debts of only 6 years, and in XXXX the statute of limitations is 3 years. The law is clear that they ca n't seize my funds after 12 years. If they do n't want to do business with me I completely understand but there 's a statute of limitations for a reason and it has long expired. The PayPal account in question is under the email XXXX. And under the social security number XXXX and under the phone number XXXX. They also canceled an eBay order I placed for a XXXX for {$560.00} and they seized the funds from that order. This is Illegal. Please help me to resolve these issues with PayPal. Thank you for your time.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I refinanced my home for a better interest rate. The original amount was {$41000.00} the annual percentage rate was lowered to 3.695 %, but I was charged {$12000.00}. The amount I am paying on now is {$53000.00}. I have excellent credit also. Thanks
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Last XXXX I wanted to check my credit score before beginning my new vehicle search. I simply wanted to order a tri-merge credit report ( XXXX TransUnion, XXXX ). After I Navigated thru TransUnion.com 's website, following the links to where I can order a credit report, I was taken to a signup form that was not a one time purchase form, rather a monthly subscription form. Here lies the problem. They do n't offer a way for a consumer to purchase a one time or even receive a free credit report. They force the consumer to sign up for the membership. So, as you can guess, like many consumers, time passed and my card on file was billed, {$9.00} a month. This persisted until my wife called and complained back in XXXX about cancelling the service and being refunded for past billed months. Nothing was done. Now, on XXXX XXXX, 2017, I logged onto the website and found a way this time to cancel the subscription. I called again to complain to TransUnion about why I 'm still being billed for this service which I never asked to receive and to confirm my account was this time cancelled. After speaking with the customer service person, she said confirmed the account was indeed cancelled. I proceeded to ask her about the funds from XXXX to present that were paid ( {$9.00} x 7months = {$69.00} ). She said that I signed up for a monthly membership service. I then told her I signed up to pay a 1 time fee for a trimerge credit report. After explaining to her that a consumer can indeed just order a onetime report, I asked her again for a refund. This time she complied and said she could only credit back 4months. I was astounded! I ca n't believe after discovering this formal complaint this morning that she would even try to retain me or offer only 4 months reimbursement for fees paid. I said that was not good enough for me, and that I needed to be refunded the entire amount. She then tried to get an EXCEPTION for this refund for all 7 months and said she was successful. I 'm writing today to point out that even with this complaint against XXXX and TransUnion, they are still providing deceptive practices. I should n't need to walk the customer svc agent thru the steps to ordering a report and indeed you are forced to signing up to their membership service. This is a SERIOUS problem and needs to be recognized by these companies in a public way. If there is a class action lawsuit regarding these events that happened to me, please include me as I will gladly participate in helping prevent this from happening again to consumers. Its simply not tolerable for someone who is trying to see their credit score and being duped into paying for an unwanted monthly service ( credit monitoring ) which i never used.
Consumer complaint received 2016-09-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

XX/XX/2016 there was a one-time special added to my annual taxs. I was never notified about this, I just started receiving call that my loan was in default and I was not paying the proper taxes. They quoted my taxes to be approx. {$950.00}. I then check with the county assessor office and the accrual tax is {$420.00}. I notified freedom Mortgage to investigate this, which they never did. I then discovered on my own the special assessment and on XXXX/XXXX/2016 I paid freedom Mortgage the amount of the one time fee. therefore my mortgage should rerun to normal. I requested numerous times for a break down of the PITA and $ in escrow. No contact only calls that my loan is still in default. I have tried several time to resole this and request either an upper management call me or their legal department. To resolve. they are threatening me with foreclosure and in conversation with the agents they have no notes in the system that they stated tthey would note. I have mailed in certified mail bank statements showing all payments are made on time and the payment of the special assessment. I also have sent them copies of the tax bill. I still am getting letters of foreclosure. I have now requested all documentation and future discussion to be in writing. I need to stop this foresclosure because I am not in default. Freedom Mortgage has misappropriated my loan funding. I am a Vet ( XXXX ) and I need assistant in dealing with Freedom Mortgage.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

This is a continuation of my OCWEN nightmare. The situation is self explanatory when you read the attachments and all the complaints I have submitted over the past year. 
See Attachments:1. OCWEN letter with application to re-apply for a mortgage modification. XXXX/XXXX/15. 
2. OCWEN PRE-FORECLOSURE NOTICE ( the day after - XXXX/XXXX/15 ). 
3. OCWEN decision letter of denial of modification because the mortgage investors DO NOT PARTICIPATE IN HAMP OR ANY OTHER GOVT. MODIFICATION PROGRAMS. 

I have submitted a modification application XXXX now with the same answer - they do n't particpate! Yesterday OCWEN asked me if I wanted to apply again ( a XXXX TIME ). This is ridiculous.
Consumer complaint received 2016-04-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

According to Ocwen employee with Employee ID # XXXX, Ocwen has initiated foreclosure proceedings against our property. Ocwen entered into a National Service Agreement with the CFPB and with attorneys general and state banking regulators in XXXX states, and XXXX. The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). AHMSI was our previous servicer prior to Ocwen. Ocwen must adhere to significant new homeowner protections. The consent order requires that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement ( NMS ) with the XXXX largest banks. According to the consent order, Ocwen was to provide us a copy of loss mitigation statement in one or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. We have received a certified letter from a foreclosure attorney which means Ocwen did not provide us a loss mitigation statement no later than 14 days prior to referral to a foreclosure attorney and is in violation of the consent order.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc. (NJ)

Had a commenity BJs perks card used mostly at BJs and paid in full every month. Was offered interest free for a year to move any balances to this account. I still pay my new charges off each month plus the minimum payment and they are charging interest every single month. They are saying that I have XXXX separate balances for charges in BJs and outside of BJs ( almost never happens ) and they are charging 14.99 % for outside purchases and 6.99 % for BJs purchase, but I pay the bill in full every month and on time, if not early.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I opened an " XXXX Checking Account '' with 5/3 Bank on XXXX XXXX and the bank ordered checks for me and charged me {$23.00} for them without my consent. I reached out to their customer service line on several occasions and even got escalated to a supervisor once, only to be told I would have to return the checks in person to receive a refund. This seems contradictory to FTC regulations on " unordered merchandise '' which I pointed out to the banking representative. https : //www.consumer.ftc.govXXXX I do n't think it 's fair for me to have to go out of my way to return merchandise I neither ordered nor wanted. I reviewed the terms of the checking account I signed up for and confirmed there was nothing in there noting that checks would be ordered and paid for on my behalf.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several of my accounts at Transunion are not reporting monthly as required by law. I have two XXXX  XXXX credit cards that have not been updated since XXXX 2017. I have contacted Transunion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time Transunion blames XXXX XXXX, however XXXX XXXX has provided me with proof of monthly reporting to Transunion. Another account I have XXXX XXXX Transunion is with holding the reporting of this account. Another account XXXX XXXX loan again not reporting monthly payments. 
I have contacted all companies and have proof of reporting to Transunion. XXXX XXXX has filed their own investigation as to why they have not reported my payments in 4 months. Enough is enough. Transunion is manipulating credit scores.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I been with captail one four years I only got one credit increase sffISince I been with them been with them every time I applied for onone I get denied its getting crazy with this I spoke to a fewmangers they said well there so many factors of makinga desion I really do n't unstand im getting the run a roundalso the manger put a complaint about this they said someonewould call me back no one did
Consumer complaint received 2024-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

A loan was created on XX/XX/XXXX with Regional Acceptance Corporation in the amount of {$33000.00} for a XXXX XXXX XXXX. In the last 5 years since that loan was created, my outstanding balance on the loan is now currently at {$30000.00}. According to these figures from the date of XX/XX/XXXX to XX/XX/XXXX only {$3000.00} out of the nearly {$28000.00} I have paid over the course of over 5 years has been applied to the balance of the loan. 

There is NO WAY under any simple interest contract that the above math makes any sense or is legal by any stretch of the imagination. 
This is something that a predatory lender would do considering they were well aware that I had just come right out of bankruptcy in XXXX of XXXX. The picture of how only {$3000.00} has been applied to my original balance of {$33000.00} over the 5-plus year time frame is either a MAJOR discrepancy, Severe incompetence by the lender, or just purely a predatory lender taking advantage of people like me. 

I have contacted the company regarding this matter on several occasions only to be rebuffed by its agents and managers. 
Attached here is the sales contract, payment history, and current payment stub showing the current balance at {$30000.00}.
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (TX)

Today I answered a call from a local telephone number. The man identified himself as XXXX ( without a company name ), and advised me my call could be recorded. He then asked me to verify personal information over the phone in order to discuss a " debt '' which he would not disclose the creditor information. I refused to acknowledge or verify any personal information and asked him to kindly send any pertaining documents to the address he claimed to have on file. He became extremely aggressive and told me that he had my entire social security number in front of him. I politely asked him not to disclose personal information to me since I would not verify I was the person they were calling for. He kept me on the phone for several minutes with a threatening demeanor trying to get me to verify my information, when I continued to decline he indicated that the matter could be settled in court without my cooperation. I asked him the name of his company and he replied " Dynamic Recovery Solutions '', I again asked him to send the information on the supposed debt to the home address on file and he snapped that they already had and I was " ignoring '' them. He asked me for an email address to send the information to and I again refused. He accused me of being " counterproductive ''. I told him I was following the advice of my attorney and not releasing or acknowledging personal facts over the phone and thanked him and told him to have a nice day. I checked my credit report and I do not have a collections account with this company. I believe they were trying to scam me based off an old debt that has either been settled or removed from my credit report.