davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AZ)

Hello CFPB, I have been dealing with the incompetence of Freedom Mortgage and XXXX Mortgage since XXXX 2015 as outlined in the attached RESPA letter. They really messed up the transfer of servicing. To keep the story as short as possible, everything requested in my RESPA letter has been resolved EXCEPT : Freedom Mortgage 's answer to thousands of dollars in payments I made in XXXX 2015, before the transfer of servicing, was to reverse the payments and send them to XXXX who reposted them as of the date they received them ( XXXX XXXX, XXXX XXXX. 

Now I 'm not an accountant, but it seems that it 's illegal to reverse payments and have them posted months later without proper credit for the interest. 

As you can see by my RESPA letter, I 've spent a LOT of time trying to correct their mistakes. I would n't mind being compensated for that. I figure at least XXXX hours XXXX XXXX {$400.00}. It 's a lot cheaper than if they 'd had to pay my lawyer and court costs.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My escrow charges are excessive. The yearly tax bill is only XXXX on my house. The bank in error is charging me XXXX for the escrow portion of my payment. I am XXXX and on a fixed income. I have sent qualified written requests to the bank to resolve this matter and nothing has been resolved.
Consumer complaint received 2015-09-28
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (LA)

Before retiring from my XXXX Job I neglected to change my email address so that I could update my Pay Gov account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my SBA Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. 4 times more than what the original loan payment was.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX told me they where running a soft credit report for me get a phone plan with them because they do not have contract accounts and its reported on my credit report as a hard credit inquiry instead of a soft credit inquiry like XXXX stated to me
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

The company is Midland credit Management located at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX my account number with them XXXX the original creditor is XXXX XXXX they never sold this company thedebt I contacted the company several times to remove themselves from my credit history they've updated my credit history several times they left {$180.00} negative marks they presented false information to all three credit bureaus XXXX XXXX the original creditor assured me that they never sold my debt to this company that this company is doing this fraudulently and that I needed to report them to you guys that they remove the debt from my credit years ago because it's more than XXXX XXXX XXXX it's illegal for it to even still be on my credit they presented false information and false documents saying that they were from XXXX XXXX but they were definitely not from XXXX XXXXXXXX at all my credit report from XXXX shows that the account was opened up in XXXX this company is known for committing fraud and breaking the Fair credit act repetitively the dad was charged off back in XXXX I want them removed from my credit history immediately this is fraud XXXX XXXX has no records of the original account because of how old it is
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This issue is with Bank America charging me for condo fees that were never in default. I was working with BA with XXXX XXXX about this issue. The last conversation I had with XXXX XXXX is that I had proof that the fees were never paid to my Condo Association and I would mail them to him.. I then contacted my bank and received a bank statement showing no payments from BA were paid. I sent a letter to BA on XXXX XXXX, XXXX with the document. Before receiving the letter BA sent me a letter that I was " no longer eligable '' for a dedicated emploee to handle my complaint. { Enterprise Customer Care Resolution group } and rejected my claim. BA did not review my proof and has not produced their checks showing payments. The letter with proof was not received by BA to address my complaint before, BA made their decision. Further, BA has never produced copies of checks proving payment. The details of my complaint are below : Bank America charged me for XXXX Home Owners Association Fees ( HOA ) that were never paid to my Condo Association and they were not deleted from my Loan Modification fees. I was not in default of my Condo Fees.. I submited the following documents to BA. A copy of BA Transaction Report page XXXX which shows in the payments column XXXX ltems dated XXXX/XXXX/XXXX for {$4100.00} and {$4700.00} for a total of {$8900.00} charged on my Loan Modification Agreement. The condo fees were not in default. I mailed a copy of the bank statement made to my Condo Association showing that no payments were charged. The result is that BA charged the fees incorrectly and the fees should be returned to me. I am unable to attach the documents to this complaint.
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a student loan with Bank of America ( XXXX ) that went into default. I rehabilitated the loan with the government satisfactorily. Bk of America ( XXXX ) and the credit bureaus refuse to update the status of the loan from stating " student loan permanently assigned to government ; Closed XXXX '' to reflect that it has been rehabilitated and paid successfully. Further the last time the account was active was XXXX of XXXX. Not only have we passed the statute of limitation for New York, we are approaching the 7 year threshold. This is very negatively affecting my credit and impacting my chances of securing a mortgage even though I took care of the default. They are fraudulently reporting the debt as active as of XXXX XXXX and XXXX XXXX. Lastly, they are reporting XXXX loans that I had with them more than once on my credit report. They are reporting the same loans under different names with the same account number. Loan # XXXX is being reported XXXX once under the name XXXX/B of A and account # XXXX for {$13000.00} and XXXX under the name Bk of America with account # XXXX for {$13000.00}. This is the loan that has been rehabilitated successfully and should only be reported once! Loan # XXXX is being reported XXXX under the name of XXXX/Bank of America with account # XXXX with a balance of {$600.00} and a XXXX reporting under the name BK of America account # XXXX and balance of {$600.00}. This should only be reported once! I have attached documentation to reflect this.
Consumer complaint received 2016-03-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This had previously been added in my response to Case number : XXXX. 
I have just discovered, on XXXX/XXXX/XXXX, that the original case is now closed with no additional response. 
What follows is the text that was in that response which I submitted on XXXX/XXXX/XXXX at XXXX that has not been addressed. 
Note that since my complaint references my XXXX, I have now filed a companion XXXX complaint since I was not sure where the most appropriate place for filing was. 
As far as my secondary complaint, you are correct that there are other branches around. 
To be exact, there are XXXX in a XXXX mile radius of my zip code, each of those locations PREVIOUSLY had a Drive Up Window, where you could see a representative and ask a question if it was necessary to complete a transaction. 
However, at the same time you closed our branch, you eliminated ALL drive up windows at every one of those branches, there is now not a single drive up that is manned within, according to google, a 23 minute ride from my home, making a round trip at least 46 minutes, and probably much longer since there are no other drive up windows around. 
As someone who is XXXX, it 's very difficult for me to get in and out of your branches. 
If I have a question that needs to be asked, I now have no choice but to plan a 46 minute drive or park my car and then struggle to get into, and out of, your branch, this is made even more difficult by the fact that due to the serious XXXX XXXX that I suffer from, I must take XXXX to do anything, once taking those pills I can only travel locally, so making a 46 minute or longer, depending on the wait time, round trip would be next to impossible. 
I 'm sure others with XXXX would echo my sentiments on the closing of ALL of the Drive Up Windows in this area, the face behind those windows was, for many, the only human contact with the bank. 
This area was hit hard by hurricane sandy and company 's like BOA, are not doing their part to help, instead what you are doing is causing more pain and inconvenience for those local residents, and businesses, already impacted by disaster. 
This seems strangely reminiscent of the redlining that took place XX/XX/XXXX and XX/XX/XXXX, when certain zip codes were deemed ineligible for lending purposes, only now we are deemed ineligible for a drive up window, yet in well-heeled areas like XXXX and XXXX, you have XXXX branches with Drive Up windows within XXXX miles of each other. 
As a company, you should be ashamed of yourselves.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on XXXX/XXXX/06 ( loan application # XXXX ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on XXXX/XXXX/06, and I have those records. Shortly after I cancelled the loan, as the terms had not been satisfactory. It was my understanding that the {$390.00} appraisal fee was non-refundable, but the {$3000.00} that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this {$3000.00} reimbursement and they said they could not refund the money. Not only was this bad customer service, but caused customer harm to me in a deceptive and possibly illegal action of not returning the {$3000.00} in funds. Although it has been nearly 10 years, I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back, and was told to the contrary. Please advise. Thank you.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

My daughter forged my signature on mortgage loan documents and forged my name with a notary. Now my house is in foreclosure. XXXX XXXX Police Department, California Senator, XXXX XXXX, and California Assembly Woman, XXXX XXXX are all trying to help me. My home is in foreclosure and going to sale on XXXX XXXX, 2016 at XXXX XXXX. 

The XXXX will take another year before they start investigating. 

Please read the attached letter form more details Please stop this foreclosure until the investigation is over.
Consumer complaint received 2016-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (WI)

I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans, instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either " call the credit bureau '' or " that 's not my department, call this number. ''
Consumer complaint received 2016-03-15
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dyck-O'Neal, Inc. (NY)

My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help.
Consumer complaint received 2016-01-20
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (FL)

As a homeowner a Chapter XXXX Bankruptcy was filed XX/XX/XXXX, and Discharged XX/XX/XXXX. Then my servicer was XXXX XXXX XXXX, I have entered tow ( XXXX ) separate Modification agreements XX/XX/XXXX and XX/XX/XXXX the current Servicer is DiTech. The Servicer refuses to sign the Re-affirmation Document. DiTech, has referred me to my attorney whom has stated the Bankruptcy was done correctly and it can not be re-opened at this time to include the Reaffirmation of Debt. The Servicer simply must sign the Reaffirmation Document however, DiTech refuses to sign the document. I am caught in the middle, I have made all of the payments under XXXX modification agreements on time, I am being penalized for an error that occurred unbeknownst to me. I think this is unfair and need assistance in this matter. DiTech insists on this being a legal matter and the attorney insists DiTech is not adhering to the process of simply signing the Reaffirmation documents. What do I do to get the help I need as a Homeowner whom is making my payments, but caught in a cycle. My credit report does Not reflect my mortgage at all.
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nations Recovery Center (CA)

I was contacted by Nations Recovery Center in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a Capital One Secured XXXX. The XXXX was opened XX/XX/XXXX. I put down a {$150.00} XXXX XXXX towards the secured card. As of XX/XX/XXXX I was 120 days late and owed {$160.00} by XX/XX/XXXX. Without any notice Capital One applied my security deposit towards the balance of my account XX/XX/XXXX On XXXX I logged into my online account and made the required minimum payment due of {$160.00}. Capital One did not tell me my account was closed or that the security deposit was applied to the balance. As of XX/XX/XXXX the balance was XXXX. Capital One sold this account to XXXX XXXX XXXX. I have disputed this debt with Capital One, XXXX, and all three credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by Capital One and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that in XX/XX/XXXX I was 150 days late when in XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off in XX/XX/XXXX despite the fact the account was brought current in XX/XX/XXXX. Capital One XXXX refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
Consumer complaint received 2015-09-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

I am a co-signer of a loan for my son. He is paying the normal monthly payments and I am making extra payments towards the principal. I have requested that they apply XXXX % of the extra payment to principal only and if they can not agree to that, to return my check. They applied my first payment of XXXX correctly but the second payment of XXXX on XXXX/XXXX/15 they took XXXX and applied it to interest ( even though my son 's payments are current ). I faxed them an inquiry on XXXX/XXXX/15, no response. On XXXX/XXXX/15 I emailed them through their own website requesting they reverse the XXXX and put it onto principal. To date, they have not responded.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

URGENT - SHERIFF SALE TOMORROW - XX/XX/2015Hi. I was fraudulently turned down on a loan modification. 
XXXX XXXX is investigating the problems but I just called and he did not pick up. 
His voicemail says he will return the call within 24 hours and by then my home will be sold under a Sheriff Sale. His phone number is XXXX x XXXX. 
Please call him. 
Three weeks ago, I got a call from Wells, Fargo Home Mortgage that my loan was denied because it was over {$720000.00}. I applied on XXXX/XXXX/15 for a loan modification with a loan over {$900000.00} ( Wells, Fargo knew this and sent me the paperwork ). 
I called to say " how could this happen? ". XXXX XXXX told me I was grandfathered for the XXXX loan but the reason I was turned down was I did not provide a profit and loss statement for my real estate company. I do n't have a real estate company and no one contacted me about this. They just want to get rid of my home! 
Then, XXXX XXXX sent me a letter stating that she wanted to help me, but it is to late due to the Sheriff Sale. How can this be? The bank can stop the sheriff sale anytime they want to do it by just calling their attorneys. 
Then I got a call from XXXX XXXX and he said he is investigating the whole matter but that was just last Thursday and the Sheriff Sale is tomorrow. I do n't know what is going on but this in not right. He must stop the sheriff sale so he has the time to investigate this matter ASAP & gt ; Please help me. Thank you, XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2015-09-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (FL)

I currently do not have any outstanding accounts. The debt collector 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The only information provided about the creditor is : LVNV Funding LLC and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.