davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation (FL)

Backaround XX/XX/2016 I contacted my mortgage co, PHH Mortgage about re-financing.The original loan was in my husband 's name ( now deceased ) only. I told them I was going to apply {$50000.00} as a down payment. This was a gift from my sister-in-law. I was told they could do the closing XXXX XXXX, & I needed to send them the $ XXXX PLUS my regular payment of {$780.00} before XXXX XXXX. I did. No closing on XXXX XXXX. Then, after I started calling regularly, they mailed me a letter saying they had my closing set for XXXX XXXX. That day came & went. Nothing. So on Monday XXXX XXXX, I called to find out why they did n't close. Said they needed to do employment verification. They had done it twice already. I told them I was getting an attorney to investigate. Next day, I got a call saying they were coming to my house @ XXXX on XXXX XXXX. Never came. Wo n't ans wer my calls. I am a widow. No pension, no social security. Only a job paying {$10.00} an hour. I can barely pay my bills, & only then with help from relatives & food stamps. PLEASE help me if you can. Thank you!
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (NY)

I was victim of identity theft by a person who gained access to my personal information. This person, XXXX XXXX XXXX fraudulently XXXX signed my name as co- signer on student loan no. XXXX with Chase Bank in sum of {$10000.00} on XXXX XXXX, 2009..I have provided Chase with last known information for XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

The home sold at foreclosure auction XXXX/XXXX/XXXX back to the bank. The homeowner applied for assistance before the foreclosure sale date and has not been reviewed for help prior to this submission. There is also no previous modification since XXXX applied to the loan. We spoke with representative XXXX ID XXXX on XXXX/XXXX/XXXX and he confirmed that the clients modification request was sent to underwriting on XXXX/XXXX/XXXX.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NJ)

We deeded the XXXX house to my daughter XXXX XXXX in XXXX retaining a life estate. She received a XXXX $ mortgage in XXXX XXXX. Our names were handwritten and added to the mortgage and we signed as life tenants not borrowers. It is my understanding that life tenants ca n't apply for s mortgage. We never signed as borrowers as indicated on mortgage. Also XXXX was never in our house as we testified to. Attachment That mortgage was satisfied in XXXX XXXX. Attachment It no longer exists on the recorded county registry. 
XXXX XXXX then received a XXXX $ mortgage attachment which we were not aware of nor signed this mortgage. This is the now the recorded loan, not the XXXX $ .attachment We went through foreclosure mediation with an attorney and it was denied. Indy Mac became XXXX XXXX now it is Ocwen. Ocwen refused to negotiate with the XXXX $ since it was the title company 's error which they admitted. 
They are now in court to take away our life estate with the XXXX $ loan and s judge ruled in the banks favor. We are now appealing that decision that this mortgage NOT tecorded. The regulations are in NJ statute that recorded documents can be utilized. They are using a mortgage that no longer exists. Indy Mac knew of the title company 's mistake by not researching rhe recorded deed. Attachment in order to get their money in their greed they are allowed to utilize a previous loan. We as life tenants wish to keep the house and settle to receive a loan modification to purchase the property and remain in the house. The bank knew of the recorded mortgage but chose to file s complaint against us removing our life estateso they could foreclose. Our appeal Might not be heard leaving us without s home to live in with our granddaughter. We deliberately did a life estate to prevent this from happening. SO title company off the hook and bank Pursuing illegal Options. The first mortgage we are not borrowers as they claim and the recorded loan we were not included as life tenants so that mortgage not valid either. We are left with in a difficult position as the courts have sided with the judge and our appeal might not be heard. We ca n't get a loan because the house not in our name, the title company did not orotect our interests, the borrower is not sued but we are foreclosed on with no roof ovef our head. 
The title company and bank should be held acvountable for their illegal banking practices.
Consumer complaint received 2016-08-05
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened an account with Capital One eariler in 2016, and it only had XXXX dollers on it. So, Far I have paid them over XXXX dollers and have a balance still of XXXX. They said it was because of the fines and fees, but I have made all of my payments on time, except for one ; which I paid immediately and asked for the lady to change my account settings, so that no purchases could be made on my account, she did not representate me correctly, and left my account open allowing repeat transcations to be purchased ; after I asked for her to close my account, so that I can only make payments toward the debt.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank has shut down my credit cards and will not speak to me as to why? I have been the victim of ID theft in the past and have had several fraud accounts that were opened with them fraudgently. But the XXXX credit cards i did have with them were shut down and closed. I spoke with a fraud Special Operations Manager who was not to friendly nor was he helpful. I sent in paperwork as he requested and have not heard anything back. I feel as though I am begin treated as a criminal. I would like to please know what is going on here?
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (IN)

XXXX. I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Consumer complaint received 2016-10-21
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Circle Internet Financial (MD)

I applied for an account on " Circle '' and they declined to open an account after I uploaded a picture and drivers license per their request. I believe the decision was made because I am XXXX. " Circle '' says : XXXX ( Circle ) XX/XX/XXXX, XXXX EDT Hi XXXX, We have carefully reviewed the information you provided us and unfortunately we will not be able to offer you service. We can not go into specific details about what led us to our decision. Thank you for understanding. 
Best, XXXX - Team Circle I believe " Circle '' denied the account because I am XXXX as they will not say why they declined the account and the decline happened after I uploaded a photo of myself per their request. Thank you
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Company charged fees to my account which they can not support and will not provide documentation for. 
Company Assessed 2 identical " Fees '' to my account in the amount of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. The first they say was a charge from my previous servicer. However my previous servicer never charged the fee and it never showed up on any statements. BSI is the only entity trying to charge the fee. They " claim '' it was for foreclosure costs incurred by the previous lender, however I was in active loan modification negotiations with the previous lender all the way through transfer of my loan to BSI. Charging " foreclosure '' fees would have meant they were dual tracking.. Which is Illegal. The second charge is inexplicable even by BSI. I have requested on multiple occasions, documentation or explanation for this charge and they have refused to supply it and in phone calls admit they ca n't even figure out what it is for. They promise to resolve it and then simply never follow through. On one occasion when I made a demand in writing ( of which I have made multiple ) they simply grabbed a stack of ( trash ) paper ( meant for recycling or shredding ) stuffed it in an envelope and mailed it to me. They have assessed a TOTAL of over {$15000.00} in fees some of which they have provided some backup for but most of which seem excessive. Legal fees related to the Chapter XXXX I had to file because they refused to negotiate a loan modification with me despite my willingness and ability to pay. However I am simply pursuing these two charges as they are blatant and unsupportable.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have XXXX major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section 611 # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX V TRANSUNION states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. Congress also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 

Here is the body of my disputes to TransUnion : ** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different one and then passed to another? How do accounts go from XXXX = XXXX UNKNOWN MEDICAL = XXXX = XXXX UNKNOWN MEDICAL XXXX XXXX XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even one of them has been verified! 

This XXXX XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX ( XXXX and TransUnion ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on XXXX ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 30 days late and # 2 I 'm sending proof that you are reporting this wrong! XXXX has 30 days x3, XXXX has 60 days and TransUnion has 30 days and all XXXX have different open dates! Fix this immediately! 

I 've already stated that I do n't know what XXXX XXXX is nor XXXX XXXX XXXX! Where 's the documentation that proves that this accounts belongs to me!?? 

You 're reporting XXXX XXXX XXXX XXXX ( which by the way is unknown ) and XXXX XXXX is reporting the same account - they are XXXX different collection agencies and only the account holder can report the account! This needs to be removed immediately!
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

This dispute is in regards to BMW Financial Services account # XXXX. BMW Financial Services has put a negative " repossession '' mark on my credit report. I contacted BMW Financial Services for debt validation. BMW Financial Services response to to my request for debt validation is unacceptable and not legally valid. BMW Financial Services also fails to provide me with accounting information to prove or support their claim for repossession. I will submit and attach documentation BMW Financial Services has sent me in regards to my request for debt validation. 

The following reasons I am disputing BMW Financial Services validation : BMW Financial Services has not proved legal validation or submitted valid documentation. 
The documentation BMW Financial Services has provided me is not readable or visible. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature. 

Secondly, I have always paid my account with BMW Financial Services on time. I have never missed a payment nor been late. In fact, I have always paid my account in advance. BMW Financial Services has put a derogatory " Repossession '' mark on my credit report. This is totally false and inaccurate. I demand this derogatory " Repossession '' claim to be completely removed off my credit report. Under the Fair Debt collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ), I request BMW Financial Services provide me with : Complete accounting of this alleged debt and prove their claim of repossession. ( Which is required by law for debt validation )
Consumer complaint received 2016-08-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Credit Corp Solutions Inc. (PA)

I received a phone call from XXXX XXXX from Credit Corp Solutions Inc. ( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) from XXXX Utah. XXXX said if I did n't pay the debt I owed he would refer me to their pre legal or legal department. Pasted below is the email Dear XXXX XXXX, Attached is the Validation Notice for the XXXX XXXX account which was mailed to you. 
I have also attached the statements we have received from XXXX XXXX. 

The account has an outstanding balance of {$3200.00} Due to non-payment this account has been reviewed and has been flagged to be forwarded to our Pre-Legal Department. 
I have a limited time to work with you to attempt to understand your capacity and intentions towards resolving this account before making a determination as to whether your account should be escalated to our Pre-Legal Department. 

As I had discussed with you earlier today your account has been flagged to move forward through the collections process. I have a short time to work with you to prevent this from moving further. 
Today I will be in the office until XXXX MST or XXXX EST. 
I can be reached directly at XXXX or toll free at : XXXX ext XXXX. 
Our website is www.creditcorpsolutionsinc.com. 



Yours faithfully, XXXX XXXX Customer Relationship Manager Credit Corp Solutions Inc . 

( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) Tel : XXXX DL : XXXX Fax : XXXX As you can see XXXX XXXX has threatened to refer me to his prelegal department in writing.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAINE & WEINER COMPANY, INC. (OK)

The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

after reporting my identity theft, to the police department, and summiting a report to the various credit consumer agencies, I settle various claims with couple of Banks, an Investigation by XXXX and XXXX was concluded and bad records Deleted. 
EXPERIAN, I needed to hire an attorney, ( XXXX ) to get Experian to delete my record, only to have then put back, XXXX, acct # XXXX, as acct was settled for XXXX should be XXXX XXXX XXXX acct # XXXX, settled for XXXX, both accts are more then ( 7 ) years. 
EXPERIAN IS A NASTY, MONEY HUNGRE, HUMAN DESTROYERS COMPANY.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

On the XXXX XXXX 2016, while trying to get my report online, XXXX kept telling me " unable to complete your request '', I then tried XXXX and Experian and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at the XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the XXXX website. I was advised to file a police report and need the credit reports to do so.
Consumer complaint received 2016-05-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (VA)

Hi there, I 'm the seller on this purchase transaction. I 'd like to file a complaint on Primary Residential Mortgage, Inc. XXXX XXXX XXXX XXXX. XXXX XXXX This mortgage company issued FHA case # on my house, which the transaction did n't go thru, and Sales contract was cancelled. I have made cancellation requests via email and phone call, and in all occasions my requests have been ignored, and my right being denied. I emailed on XXXX XXXX, called on XXXX XXXX, and manager promised by XXXX XXXX, FHA CASE # will be cancelled, which it was not.And again today XXXX XXXX when I called to follow up, manager was really rude and I was told they will not cancel the FHA CASE #, and there is nothing I can do and rudely hang up on me. I am seeking your help in this matter, kindly please help me out.
Consumer complaint received 2016-07-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DE)

I filed a complaint through CFPB on Bayview loan servicing for reporting false information to the credit bureaus a few months ago. They responded to the complaint apologizing for their errors and stated that it was their mistake for the missing payments as monies had not been applied properly. I have refinanced to another company and Bayview updated my credit report to {$0.00} balance which IS correct, but they put all of the derogatory payment history back on my report which they already acknowledged was their fault. Per my lawyer and the judge, they were required to remove all of the false information from all of my credit reports. This has once again negatively affected my credit. They have put since XX/XX/XXXX that I have been 90 days late and that only XX/XX/XXXX and XX/XX/XXXX have been current. Which is false. They also continue to send me bills for escrow of {$210.00} even though my account has been refinanced to another lender since XX/XX/XXXX. I do not want them to report that I am past due on those monies as my account is paid in FULL.
Consumer complaint received 2016-06-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This is a follow-up to a prior CFPB complaint regarding an account closure at Bank of America. Upon submitting my complaint, I received an e-mail from a bank representative named XXXX XXXX XXXX at the bank 's XXXX XXXX XXXX XXXX department. The email said to " please contact me directly at the number listed below '' and specifically warned against contacting via e-mail. However, THERE IS NO PHONE NUMBER LISTED ON THE E-MAIL! ( I believe a cell number was included without an area code. ) I would have thought this a simple oversight if it were n't for XXXX reasons. First, the e-mail is clearly a standard-issue response that they send to most complainants. Second, when I called the Bank of America general customer service desk ( it is impossible to reach anyone at XXXX Customer Care Resolution without their XXXX digit extension, which was also not provided ) to attempt to get a phone number to reach XXXX XXXX, they declined to provide XXXX for almost an hour and eventually provided me a number that does n't connect to anyone 's phone in the resolution department. ( This is not the first time that the bank has provided me an inactive phone number or a phone number that links to a voicemail box from which you will not receive any reply. )
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas