davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

This complaint is regarding OCWEN not providing consumer financial relief to borrowers harmed during the foreclosure process. 
This included my foreclosed GMAC mortgage loan ( under XXXX and then XXXX was purchased by OCWEN ) and payments to borrowers as a result of the National Mortgage Settlement Act about foreclosure abuses and borrowers who lost their home to foreclosure. I lost my home to foreclosure in XX/XX/XXXX. 
After the results of the National Mortgage Settlement Act, I submitted the initial notification document with the Virginia Attorney General office prior to the established deadline while residing in XXXX. I relocated back to XXXX in XX/XX/XXXX to XXXX. 
Under the National Mortgage Settlement Act ( NMSA ), my mortgage loan qualifies for the following reasons:1. Unexpected home repairs2. I was deceived regarding the ability to make the mortgage payment3. I completed a trial loan modification plan4. I was not offered any ways to avoid foreclosure5. I did not receive proper notification of the foreclosure6. robosigning documents without my authorityThe foreclosed address is XXXX. I did not receive any documentation or a settlement check as advertised on the NMSA site. I called the Ocwen office and was informed by XXXX XXXX XXXX ( XXXXXXXXXXXX ), an Ocwen representative that documents were mailed to the XXXX address but I still have not received anything as of right now. I was advised to submit a letter. My first letter was in XXXX then another in XXXX. No response from Ocwen. 
Ally did not return my calls or provide assistance and I feel that the same thing will occur with Ocwen. 
I am an XXXX Veteran but did not use my VA loan. I respectfully request assistance in this matter regarding financial relief from Ocwen for mortgage settlement. Thank you.
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Dear XXXX ID # XXXXThis is another QWR being filed. SLS has not taken care of sending documents to the county for recording and sending us the relocation assistance. 
In response to your letter dated XX/XX/2015, you made a statement that the paperwork has been internally approved and will be executed and forwarded to the county for recording as soon as possible. SLS is unable to advise as to the time it will take for recording once the document has been forwarded to the county for recording. The funds for the relocation assistance will be provided once we have confirmation of the recording at the county. 
XXXX, the issues are as follows : ( 1 ) For months I 've been told it has to go to recording. Each time I 've asked your agents and XXXX XXXX, who is the person to talk to, your agents and/or XXXX XXXX would tell me that 's not their department and have a supervisor call me, and a supervisor never calls. 
( 2 ) Since SLS has not sent the documents to county for filing, you have not sent the relocation assistance. 
XXXX, I need for you to tell me the person who 's responsible in having the deed/title processed to go to recording and why is it taking so long for your company to send to the county for recording and send the relocation assistance? 
For months, I 've been getting bureaucratic answers and no one has sent or processed the documents to go to recording. As you mentioned in your letter, there is no liens on the Deed/Title, so the next step is to go to recording. 
Now, I know you SLS do not process the recording documents, but I 've talked to the supervisors in county recording, and they told me that it would take XXXX hours to process, once they receive the documents from SLS. 
Again, I 'm asking you to provide me the name, phone number of the person, who is processing the documents to go to county for recording. 
SLS has not been truthful with me and sending me through your bureaucratic process, which I should not have to go through. 
Per your letter dated XX/XX/2015, we have met all of the requirements and the DIL was approved by SLS. 
Again, I asking for SLS to send the documents immediately to the county for recording and send us the relocation assistance, that we 're entitled too. 
Awaiting your response. 
XXXX XXXX
Consumer complaint received 2015-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery constantly harasses me about some debt or another that i do not owe. I have pulled my credit file from all XXXX major credit companies and took care of XXXX issue that had shown up. It was by XXXX XXXX XXXX. I contacted XXXX about the debt and they said there was no debt on my account or I would not have a cell phone with them. I then file a complaint with all XXXX companies and asked that they take this off of my file. This was done I think over a year ago. All XXXX companies took this XXXX XXXX XXXX fictitious debt off of my credit score. 

I have told Portfolio recovery to quit calling me as per the government web site and advise from my Attorney and they still call and try to intimidate me by threatening me. I have no debt yet about every 3-4 months they pull a soft credit to see if they can get money out of me that I do not owe. I can see that this company has had many complaints and I am not sure why the Federal Government has not shut them down. 

I show no delinquent debts on my credit score. Any issues I may have had are more than 10 years old and had been paid off. 

The phone number used this time was XXXX. I am aware that they have over XXXX phone numbers that they use.
Consumer complaint received 2015-05-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens One reversed a payment from my loan stating that a check they received from me has been stopped by XXXX. The photo copy of the check they sent me had a different name and was payable to XXXX XXXX. It was a check issued by XXXX to XXXX on behalf of someone else. After further investigation, Citizens One claimed that the check that was sent on my behalf was cashed by XXXX and an error was made by XXXX. I notified XXXX and they replied that a check on my behalf was paid to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. I was also informed by XXXX that a check can not be cashed by someone who is not the payee. I am wondering how Citizens One knew that it was XXXX XXXX who cashed the check and how it was cashed when my check was payable to Citizens One. Citizens One does not want to give me a credit for the {$250.00} check that I paid them and told me to go to XXXX since they claimed that it was XXXX error and not theirs.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MN)

In XXXX of this year I filed a CFPB case # XXXX. I had an issue where Chrysler Capitol billed me {$460.00} for state registration that they did pay on my behalf. They did so without calling or sending me an email. What they did n't know is that, since my tabs expired, I purchased the tabs on my own on XXXX XXXX. I contacted them and was n't able to get this issue resolved so I filed the complaint. Chrysler Capital did send me a letter in response to my CFPB complaint. They asked for me to send proof of this payment. I complied with Chrysler Capital 's request to send proof that my Minnesota vehicle registration was paid and I asked for them to send me a letter confirming this issue was resolved. I never received a letter or a call as such. I still receive a monthly invoice from them indicating I owe an additional {$460.00} for registration for 2015. I called them today and the customer service representative saw my compliant but was n't able to tell me if the issues is resolved and why it was showing on my monthly invoice still. I feel I ca n't get a resolution from Chrysler Capital and I 'm concerned that this charge may affect my credit or they may attempt to collect via collection agency. I want a letter confirming this issue is resolved and the charge removed from my invoice.
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (IN)

XXXX XXXX XXXX ( also known as XXXX per their messages ) has been calling harrassing me for weeks on a debt that is not valid. Claiming that in 2009 I walked into a physical payday store called XXXX XXXX XXXX ( which in my state there is no such thing ) and took out a loan and deposited it into a bank account that I had closed years before 2009. I have received no formal debt validation letter so that I could dispute this. When I asked for a debt validation letter she said they do not send out that information, etc. I explained that this debt is not valid and to stop calling me. She started to threaten that I would be served papers at my place of employment and/or home. I asked for their physical address and formal name of company, she would not provide me with any of that information. They lady would not let me speak, she was extremely rude. Even after requesting the calls to stop, they continue to call my home, cell phone, and work number.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I went to go withdraw {$200.00} from the ATM in XXXXXXXX XXXX XXXX  on XXXX XXXX XXXX on the XXXX of XX/XX/year>. When I went to go complete my transaction, the ATM swallowed my card and my funds we were not given. I went to one of the employees to explain the situation and she said I will get my money back and I will have to get a new card and make a claim. I made the claim the next day due to work and the 24-hour hotline dropping my calls. I have now received my claim was denied, even though the employee reassured me everything will be well since the ATM will be serviced and investigated. 
I never received my {$200.00} and had to get a new card.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (VA)

Step XXXX above did not provide a choice that covers my issue : Equifax used the " Inquiries that do not impact your credit rating '' from my credit report as " hard inquiries '' ( their term used when I questioned them over the phone ) when coming up with my credit score. Key factors listed as adversely affecting my credit score on a recent residential mortgage credit score notice included " too many inquiries last XXXX months ''. On my Equifax credit report, I have XXXX inquiries listed under " Inquiries that may impact your credit rating '' and there are XXXX inquiries listed under " Inquiries that do not impact your credit rating ''. I did not initiate any of those XXXX inquiries. I believe all of those XXXX inquiries to be marketing related. Equifax is not being truthful in the wording on its credit report. When I questioned this practice, instead of acknowledging that the wording on the credit report states that these XXXX inquiries should not impact my credit rating, they tried to sell me their monthly credit report privacy service at $ XXXX/month as the only way to resolve this type of thing from happening, or I was told I would have to contact each of the companies making the XXXX inquiries not to access my credit report. There is no way to dispute this with Equifax in its dispute process.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off on the following date ( XX/XX/2024 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account # XXXX
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

This complaint is regarding claim ( # XXXX ) I 'd like to dispute all inquiries made by XXXX of XXXX, TN. These inquiries were done without my authorization. It was only requested of me to apply for pre-approval with their, XXXX XXXX XXXX. I complied, was pre-approved for XXXX times the amount needed ( DocXXXX ), so there was no further need to continue inquiries. Plus, upon pre-approval, I was contacted by a salesperson from the dealership and provided with his contact info and in that email he said he 'd further discuss details of the loan. ( DocXXXX ) Since he did n't bother to contact me and display a lack of interest in selling me the vehicle, I sent him an email ( DocXXXX ) clearly stating I was withdrawing my interest.Though making clear in the email, that I should n't receive a denial letter from XXXX XXXX, since I was already pre-approved, though I did n't receive a denial letter from XXXX XXXX, I received a total of XXXX denial letters ( Docs XXXX ) from other lenders. Lenders, that I did n't authorize ( never filled out a credit app ) only a pre-approval to XXXX lender of which I was pre-approved.I purchased a vehicle on XXXX XXXX and was financed through XXXX ( DocXXXX ), yet I continued getting denial letters up until the XX/XX/XXXX.
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

I attended XXXX University from XXXX 2015 to XXXX 2015. Navient repeated states that they can not see the loan in XXXX, stating that they need a paper proof of attendance to give in school forbearance for that period. I printed off the only copy available on their site & the school completed it and sent it in. Daily calls continued and at least XXXX I have provided this information. They state that a federal form was provided but the representative from Navient can not find the private form they say is required on their site. 3 weeks ago, they said they would put in my Navient correspondence inbox. They have now put delinquient notices, and I have told XXXX callers, I need the form they require & they did not provide it, nor could they show me how to find it on their site.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

An OCC complaint is being filed on behalf of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX, NY. This complaint describes the unnecessary denial, the duplicity shown in negotiating the file, and how getting answers that should be disclosed immediately under federal law became a trial in and of itself, comparable in despair-inducing frustration. 
As Wells Fargo and its underwriters ' has seen fit to deny XXXX XXXX ' loan modification, by simply stating the loan was denied due to not providing valid documents. We have complied with this back and forth for some time, since XX/XX/XXXX immediately supplying documents as requested. Please note, XXXX XXXX attempted numerous modifications on his own, with the result of countless denials, DUE TO LACK OF DOCUMENTS, and no specific clarity to why they are requesting such documents. Ie : social security numbers for each tenant or photo ID for each tenant and countless bank statements or proof of address for each tenant. Explain this ridiculous and unprecedented RECENT denial. 
The Law Office of XXXX XXXX has made countless phone calls requesting updates on the modification review and was advised that more and more documents were needed. Not to mention, the last few mediation meetings resulted with Wells Fargo 's attorney remaining clueless on the fact that the loan was currently under review with Underwriters. We not only have to call and confirm that everyone is on the same page, but with each mediation visit, we feel compelled to supply proof that documents are being submitted to Wells Fargo. This is clearly a waste of everybody 's time. All throughout this time, the assigned everyone failed to communicate clearly about the underwriting and review process, including, XXXX XXXX, who had no clue of the process and XXXX XXXX, whom we never get a chance to talk to since the loan was assigned to her. Since then, I have escalated the file to the Executive Manager Department, currently speaking to XXXX XXXX, ext. XXXX. She too has no luck in finding the accurate answers to why the loan was denied for a modification. XXXX confirmed leaving messages for the Underwriter and one of the Managers- but to no avail. 
This denial comes with the unprecedented swiftness, and it is the belief that XXXX XXXX and his attorney representatives that is was handed down in haste, without due consideration, and without argument there was nothing in the way of explanation as to why Wells Fargo is forcing XXXX XXXX into a position where she will lose is home. This has been going on for five years now. All XXXX XXXX wants to do is go back to making mortgage payments to Wells Fargo with an affordable modified monthly amount.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (TX)

I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code/link to be able to get the ledger of the transactions.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: National Credit Systems,Inc. (TN)

The carpeting in our apartment was defective and improperly installed. We signed a lease renewal contingent on its repair. The apartments agreed to this and dispatched a repairman. The repairman caused further damage and was unable to repair. At move out inspection we were told it was not our fault and to not worry about it. The apartments turned around and put this into collections. The collections agency is hold my wife 's and my credit hostage to extort money from us for charges we do n't owe. Supporting documentation attached will help clarify our contentions. Thank you.
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

I was applying for a loan yesterday when I was told by the loan officer that there was a collection item on my credit report for {$36.00}. I was given the collection company 's name and phone number and I proceeded to call Quality Asset Recovery immediately. I was told by the collector that the debt was for a medical XXXX and that I now owed {$38.00}. I asked why I was never sent a invoice from the collection company for I have lived at the same address for over 14 years and he had no response but to tell me I must have been billed from the XXXX party. So I immediately paid the bill over the phone with the collection company to get this item off my credit report and then called the XXXX party company to find out what happened? For I have had the same medical insurance ( HMO ) for over 16 years and with my HMO I am only responsible for paying co-pays so I do n't know why I would be charged in the first place? After talking with the customer service representative from the XXXX I was told the debt was from XXXX and that they did n't find it until XXXX and that because it was a billing error that I was only sent ONE bill which was printed on XXXX/XXXX/XXXX and mailed out a few days later. I was also told that the debt of {$18.00} and that I should have only paid the collection company that amount. So know I am really getting upset for the bill is supposedly from XXXX, I only was mailed XXXX invoice and now I just paid over 100 % of the initial debt owed. I did n't know a collection company had the right to charge over a 100 % in collection fees. And again the company ca n't use the excuse that some of that money was used to try and contact me for I had received NOTHING from Quality Asset Recovery, which again was confirmed by the collection representative that I spoke with.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credits, Incorporated (WA)

Frequent phone calls, multiple times a day/week. I have gone to their website and submitted a request XXXX ) to be contacted via writing ONLY. I have done this about XXXX times. I have yet to recieve anything in writing from them since my request. The frequent phone calls are disrupting my work.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX i 'm started the aplication for Loan Modification program trough HARP, I made the trial payments to American Servicing Company, after that I make calls to asked the status of my aplication, not answers or no status provided at that time. 
I was follow the status for my aplication weeks to weeks, until XX/XX/XXXX one agent told me the aplication was aproved but no letter or correspondence was sending to me. 
I check the public records filed in XXXX County, FL for the records of the loan modification and I check the aplication agreement was aproved and signed on XX/XX/XXXX that 's XXXX months after the initial day on the lease paragraph XXXX. 
American Servicing Company never sent me a letter of explanation about this mistake, this error was critical for my family economy, because I have to pay sometimes twice of the mortgage payments in period less that XXXX month. 
I like to revised the proper documentacion for the Loan Modification and if the correct time and procedures was following in my case. 
It 's important the lender inform to the customers of the state of the modification, because at this time the bank force me to go to foreclosure and disaster economics times at my family.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (CA)

Equifax 's online system failed to temporarily lift my credit freeze, for both myself and my wife 's accounts using the valid XXXX digit pins we were previously issued. XXXX and XXXX both worked fine the first time. Additionally, Equifax has no alternative options on the weekend to lift the freeze and maintains limited phone support hours during the week. The last time I had to temporarily lift a credit freeze they also mis-managed the situation and made it difficult. 

Equifax is a poorly run credit bureau and I hope that they will cease conducting business and be replaced with a reasonably well managed and deserving alternative.