davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

I was in the HAMP modification starting XX/XX/XXXX. Part of the program involves the issuance of incentive payments to the borrower. XX/XX/XXXX, the department of treasury issued a new bonus incentive program for borrowers who had successfully remained in the program for 6 years. [ Treasury Supplemental Directive 15-01 provides that borrowers with GSE HAMP Loans are eligible to earn a {$5000.00} pay for performance incentive as of the sixth anniversary of the HAMP trial period plan effective date ( Sixth Anniversary Date ) ]. The servicers were required to notify borrowers of their eligibility for this bonus within 120 to 60 days of their anniversary date. The problem is that Greentree/Ditech sent me a letter dated XX/XX/XXXX that was received XX/XX/XXXX, less than 30 days before my anniversary date. Prior to the receipt of this letter, around XX/XX/XXXX, I had called Greentree/Ditech and asked them if their were any incentive payments due on my account. I was told " No ''. Based on that information I proceeded to close on a refinance that funded on XX/XX/XXXX. I 'm now being told that I 'm no longer eligible for the incentive bonus because of that refinance that could have been avoided if Greentree/Ditech had fulfilled their obligation to inform me of my rights in a timely fashion as was their duty.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX/XXXX/2013 XXXX accepted a settlement payment for a credit card acct. ending XXXX. The Bank sent me a letter showing payment and settlement in full, but they said my credit report will take 3 month to update this new info. except they miss reported the new info by showing that I sill have a balance of {$1100.00} instead of {$0.00} due to the settlement. there have been a dozen of phone calls made to their recovery department which is the department that made the settlement and issued and mailed the settlement letter dated in XX/XX/2013 in trying to resolve this discrepancy but the answer was always that it may take sometimes to update the credit report. It has been 2 years, and XXXX disputes with the credit bureau that always came back with the same results ( A balance of {$1100.00} ).
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late?
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (PA)

I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.
Consumer complaint received 2016-02-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

ZOMBIE TITLE Ocwen/Property Tax Liens City of XXXX XXXX XXXX XXXX XXXX Pa Hud was the undersigned of above property XX/XX/XXXX-XX/XX/XXXX They sold homes to Ocwen. From XX/XX/XXXX-XX/XX/XXXX Ocwen wanted to foreclose. Ocwen lost 6 months of mortgage payment cashed the checks but never credited the account. We fell one month behind. Ocwen wanted 2 months then XXXX % of the balance of the mortgage in only 4 months Unserved court dockets led to XXXX judgement ( XX/XX/XXXX ) House went to sheriff sale 3 times XXXX and No Sale! When home was purchased XX/XX/XXXX HUD Inspected. And failed to release information of settlement damage report XXXX XXXX & I XXXX Row house was build on creek and filled with debris from past property XXXX. My husband myself and XXXX minor children moved out XX/XX/XXXX when Ocwens lawyer issued document of eviction. HUD stated Ocwen was foreclosing to move out. XX/XX/XXXX Ocwen sent a realtor to collect keys sign paper to exit cleaned home Payment was {$500.00}. Also locks were changed and property appraised Damage from settlement was {$35000.00} on a {$29000.00} loan Ocwen boarded up home XXXX Never transferred the deed/title on the property. Squatters moved in XX/XX/XXXX used our names lived there XXXX House was stripped of all metals pipes wall busted out to get the pipes. Major ID Theft case to date from squatters. Home deemed unsafe risk of collapse XX/XX/XXXX was demolished XX/XX/XXXX City of XXXX has 16yrs of unpaid property taxes on " Zombie Title '' I found XXXX liens on city of XXXX court site. All signed by administrated Judge that was my x-fired lawyer due to misrepresentation and conflict of interest. We lost everything and are XXXX living with my XXXXyr old Mother. Property is vacant land! It did n't sell in sheriff sale when it had a home on it! Taxes are over {$22000.00} with some years showing errors in which the tax penalty is {$200.00} more then the orginal taxes! No lawyer wanted this case! Most likely due to my x lawyer being a Judge Now he is a PA State Supreme newly elected Judge City of XXXX lost all documents on property
Consumer complaint received 2015-12-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MN)

I was charged a total of XXXX overdraft fees for a XXXX dollar purchase I my account. When calling Wells Fargo to see if they can waive just XXXX of these fees they stated that it was my fault and they could not do anything. So I was charged over {$150.00} dollars for a XXXX dollar purchase. ( XXXX total charges of XXXX ). I spoke to XXXX people who were extremely rude and disrespectful. I do n't think that charging me this amount of money when I clearly do n't have the money is the right solution. I even had a family member transfer money into my account to try and avoid these fees and it did not go through in time to avoid this. However, the people I spoke with still stated it was my fault. This bank is clearly just trying to make money off of me and I do n't find this comforting to know I bank with them. I am very unhappy.
Consumer complaint received 2015-12-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (MA)

Starting in 2011, until last night, I was enrolled in Paymap Inc. 's Equity Accelerator program for a 30-year fixed-rate mortgage I have through XXXX. I found out last night that CFPB has taken action against Paymap for the Equity Accelerator program. How can I find out if I indeed was scammed by this program & thus received no added benefit, while I was charged an initiation fee of {$300.00} or so and also {$2.00} transaction fees for every payment. It appears as though everyone in this program was deceived. Please help.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

I am unsure as to who this company is. This company contacted my mother and never contacted me. They contacted her on her cell phone and I have reviewed all of my records and have never received any correspondence from this company. Where is the VOD or validation of debt, if any. I do not know who they are collecting for and at this point the representative XXXX XXXX and her company Hunter Warfield are in clear violation. I am requesting this company cease and desist. They should only be using location information if they are unable to reach me, which they have not tried. I am unsure of what the antics are, I have read a lot on this company but this is my final attempt to get them to cease communication and to close any files they have as I am getting my lawyer involved.
Consumer complaint received 2016-02-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Renton Collections Inc. (WA)

I checked my credit report and found Renton Collection agency on there with XXXX charges totaling {$200.00}. I called to attempt to get an itemized bill of what was owed so I could mail a check. I spoke with a man there who informed me that I owed {$200.00} more for other debts that he refused to disclose. I told the representative that I would pay what was owed but I needed an itemized list of the creditors and amounts for my records. He refused to send any information and proceeded to tell me that he knew where I worked and he was going to call the office and ask to speak to my manager so he could tell them about my collections, which are all medical in nature. He demanded payment immediately or he would send more to my credit report.
Consumer complaint received 2016-01-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (OR)

see attached. I am sending all info for this section and large amount of documentation that substantiates my complaint. This info contains different times and different ways I have tried to get info and answers. It demonstrates a lot of the other problems I had with Key Bank XXXX loans.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-02-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CT)

After a job loss, we applied for a loan modification XX/XX/XXXX. After several months of providing the same info repeatedly, it was finally approved XX/XX/XXXX. Although all payments since then have been timely, every month since then, Ocwen notifies us that our payment is late. When they call to ask for the payment, I provide them with payment details. Then I 'm placed on hold and when the caller returns to the line, they tell me I 'm right. The payment was being held in " SUSPENSE '' which they will remove and apply to account. This happened EVERY SINGLE MONTH except once in XX/XX/XXXX. XX/XX/XXXX, Ocwen decided to try to withdraw my payment from my savings account even though I authorized payment through my checking. I provided proof that I had authorized checking, not savings and proof from my bank that Ocwen tried to withdraw from savings, not checking. This did not stop them from reporting the payment as being late to XXXX which has now caused me to have a drop in my credit rating. This, in turn, has caused my interest rate to be much higher on a recent car loan. I pay the upcoming month 's mortgage by the last Friday of every month. Most times, when I go on to their website, it wo n't allow me to pay the upcoming month because it 's falsely reporting the last month 's payment is late. When I speak to a rep to explain the problem, again, after they place me on hold, come back on and tell me I 'm correct, then tell me the website will be updated and will allow me to make the upcoming month 's payment. And I try again, and it fails again. SO I call them back and they want to charge me $ $ $ to accept a payment over the phone. 
I 've spoken with Ocwen reps repeatedly. Every time I 'm told they have flagged my account and that the 'suspense ' will be removed but it continues to happen every month. They 're reporting me as being late to credit bureaus which is having an adverse affect on me which is completely unwarranted. They harass us, by leaving handwritten notes on our door, repeatedly calling us at home, cell and at work. The most frustrating part is that we are NOT LATE on our payments! If there were any way to refinance with another company, we would 've done it. But we 're stuck because they 're falsely reporting our payments are late.This is the worst company I 've ever dealt with - We need help!
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Northwest Trustee Services, Inc. (WA)

It is too long of a story. Suffice to say that XXXX bank took 7 months processing our modification request for an non-owner mortgage modification then denied us in XXXX XXXX because the house was not owner-occupied though we applied under the rules for a non-owner occupied. 

We reapplied using XXXX XXXX ... cost of {$2500.00} after spending {$400.00} from a lawyer whor recommended their free service..from XXXX Washington in XXXX XXXX, who submitted a XXXX plus page modification package XXXX/XXXX/XXXX. But XXXX did not tell Northwest Trustee Services to postpone the sale that was scheduled in XXXX for Friday, XXXX XXXX. Nor did XXXX inform NWTS that they had received a modification package. XXXX then received update document XXXX/XXXX/XXXX. Yet instead of informing NWTS to postpone the sale, they transferred the loan to XXXX in late XXXX. XXXX nor XXXX sent us a letter 30 days in advance of this transfer as required. Now XXXX will not inform NWTS of the modification papers. And NWTS knows of the modification papers because they have responded to parkview services acknowledging the prior XXXX file XXXX and now the new file under XXXX XXXX. But they have not postpone the sale date, as required by law. 

Unless something occurs according to what NWTS and XXXX must do according to law, I will need to to file under bankruptcy protection laws to protect my asset. {$2000.00}
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

There is a XXXX XXXX XXXX that has been reporting negative for a long time. I disputed it multiple times telling experian that I was released from apartment contract due to a fire that happened in 2009. I tried contacting XXXX XXXX XXXX XXXX themselves to get this taken off and they were n't having it. very rude and would not send me and documents about this account. I asked experian to show me documents proving that it was legit and my but they said they do n't have to prove anything to me. I need this negative off my report ASAP. as XXXX and XXXX both removed it but experian wo n't. I do not have the release form anymore and ca n't get the information to the former management that was running the apartments at that time. without any information I ca n't even try to prove it was released and they are stopping me from any information. As you know the apartment complex always changes management ever so many years. I tried going to the apartment and talking to them and they said there has been like XXXX different management companies.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This complaint is regarding a debt of which I XXXX XXXX advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave PRA permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that PRA " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

To Whom It May Concern- I received a letter from SLS indicating that they are the new servicer for my mortgage, however I did not receive a letter from XXXX XXXX Loans, the current servicer. I have been going back and forth with XXXX in getting a loan modification. They have been giving us the run around and now this. How can I get some assistance. XXXX did not even have the original note and now this new servicer does not have the note. 

Thank you. 
XXXX and XXXX XXXX
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I had XXXX cable service. I decided that I did not want to have their service anymore. I want into XXXX of their stores. I turned in all pieces of equipment. XXXX actually owed me money from me over paying my bill. However they somehow lost this piece of equipment. Failed to notify me of this issue and referred me to a third party collections agency enhanced resolution center. They have been harrassing me. Calling me eight times a day over an issue I 've spoken about to XXXX. They 're " researching '' the situation but yet I 'm still getting calls. Now XXXX is calling my roommate who nowhere in my contract with time warner is she listed or named or phone number provided. I worked as a collector for over a year. I know the laws this is harassment.
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Several years ago, this company ( Portfolio Recovery ) contacted me about owing this debt that they claimed resulted from a XXXX XXXX Credit Card. I began to pay but questioned whether or not I paid off the account. I stopped using the XXXX Card in XXXX because I knew I could not afford it ; however, I thought I paid off the account within a couple of years. I requested proof that I owed, and never received proof nor further communication from Portfolio Recovery. When I contacted the XXXX to initiate complaint against Portfolio, XXXX could not find the correct address associated with Portfolio Recover. Now, according to the Credit Bureaus, Portfolio is making it look like I opened an account in XXXX and have not paid on it. Which is not true. I have not reestablished having a credit card because I want to clear up and fix my credit.
Consumer complaint received 2016-01-28
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Hewitt-Capital (TX)

I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to Hewitt Capital who had more information on the situation. XXXX, the representative for Hewitt Capital let me know that XXXX XXXX XXXX was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing Hewitt Capital in a civil suit being levied against my by XXXX XXXX XXXX. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.