davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

I filed an original complaint on XX/XX/XXXX which was responded to on XX/XX/XXXX by US Bank. In their response they reference bankruptcy discharge from XX/XX/XXXX as being the reason they are now starting foreclosure proceedings. During the bankruptcy, I never filed against US Bank, I continued to make my payments after speaking with a representative, and they state they do n't send me statements. This is not accurate. After speaking with the representative XX/XX/XXXX, I started to receive statements and made my payments in the branch. I am confused on how this is now an issue 3 years later. 
The other issue brought up was the matter of my requesting assistance on XX/XX/XXXX. They state that I spoke with a representative, that is true. They state that they sent out a loss mitigation workout sheet to my email, this is also true. What is not stated is that this was sent to me by the first representative prior to be transferred to another gentleman representative who informed me that I was not eligible for the loss mitigation process. No suitable reasoning was given. 

The last issue states I was assigned a Relationship Manager by the name of XXXX XXXX. I have contacted her several times and so has my personal financial advisor. She does NOT return phone calls or emails. She finally returned a phone call to me this Friday XX/XX/XXXX at, while I was driving. I pulled over, listened to the message and called her back within 10 min. I asked her to call XXXX XXXX, my financial advisor and as of today, she still has n't called. 
I do n't see how she can be a point of contact. To not return calls or emails in a situation like this is just appalling and inexcusable. 
At this point, I am afraid, confused and in need of your assistance since US Bank is inconsistent with their responses and conflicting information. 
I have always fulfilled my obligation and feel since I asked for assistance, US Bank has created a reason to attempt to take my home. 

I thank you for your assistance in this matter
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Capital Alliance Financial, LLC (MI)

The lawyer filed the paper work stating that I have been served paper work to appearing court for a collection on a debt that I owe. I never had anyone from a court serve me paper work in person. I found out later that a judgement has been issued for me to pay, so I 'm filing a complaint against the law firm.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX/XXXX/2016. Which I was not notify about the action Being taken. I was not notified
Consumer complaint received 2015-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

Refianced our mrtg with XXXX in XXXX 2015, had free month of XXXX not pymnt due, made XX/XX/XXXX pymnt to XXXX. At the end of XXXX were contacted by Green Tree telling us that we owed them the mrtg pymnts, showed proof that payments were made to XXXX XXXX via bank statements. Was told to make pymnt to Green Tree instead which we did for XXXX, in mean time while investigating the payments for XX/XX/XXXX we were reported as being 60 days late in XXXX when all payments had been made on time. Our XXXX pymnt was applied to XXXX and XXXX pymnt was applied to XXXX, which they reported us at that point of being 60 days late for XXXX. On XXXX XXXX XXXX returned XXXX payment to us and we contacted Ditech immediately and made that paymnt back to them. We also made our XXXX pymnt to them which was completely cleared from our account on XXXX XXXX and was not applied until we contacted them on XXXX XXXX. Instead of applying the pymnt and post dating it back to XXXX XXXX they left it at the XXXX which then made us late and we were once again reported as being late. We once again contacted Ditech and after speaking with a lead agent named XXXX we were informed that our account was a mess for several reasons. First Ditech was buying out Green Tree which changed their computer systems and things were a mess because of it. Second we were informed that the mortgage company can not report your credit status for the first 60-90 days, especially when XXXX payment was under investigation. XXXX XXXX was not supposed to return XXXX payment to us, they were supposed to forward it to Ditech. XXXX Ditech held our XXXX payment for unnknown reasons and when we called to have it corrected the person who applied it should have corrected back the posting date to the XXXX. XXXX was very helpful with clarifying the notes to the dispute department and I was informed that the incorrect reportings to the credit departments would be corrected by XXXX XXXX and XXXX XXXX. We received a letter in the mail from Ditechs dispute center informing us that all of the reporting of being late were correct and would not be changed on our credit reports. This is a very troubling situation for both my husband and I and if we had known what bad service and business service XXXX was putting us in, we would never have refinanced with this company. We have made the first 4 months mortgage payments to XXXX different mortgage company 's and not one of them could get it right. PLEASE HELP US!
Consumer complaint received 2015-04-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Please review the attached mortgage prepared by Bank of America. I am the current resident at the property address on the mortgage and am in the process of selling the home. This mortgage was discovered during the title search and has been delaying the sale of my home for about two months with what I now understand to be " XXXX ''. I think the biggest problem with the mortgage is that it was recorded a full year after it was prepared so the title companies involved never knew it was there. Also, I ca n't understand why I had to call them to get the release of lien started ; should n't that be done when the lien is paid off? I think there was some intentional fraud here on behalf of the previous owner and someone that works at that branch. The previous owner went through the closing of the property in question and her new home in Texas without disclosing this mortgage. Please help me to get the release sent to my title company so I can close on my short-sale before it falls through!!
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ORG GC GP BUYER, LLC (CA)

Had to check any box above because none pertained to my online experience complaint. See below : I need to file a complaint to the correct agency regarding XXXX GC Services Ltd Partnership located in XXXX CA. When trying to pay monthly agreed amount, I was forced to fill out amnesty form before continuing to make payment. Amnesty form contained answers that I did not agree to, but was autofilled by their software before I can leave page. This company is making consumers agree to information and {$50.00} fee before submitting payments. I did not agree to this and called them promptly to complain. I need to wait for them to remove {$50.00} amnesty fee before I can pay court ticket for my husband. I still am unable to pay ticket amount and his license can be effected by DMV. He must have his license for his job or he will be fired. I 'm sure they are affecting many people and their drivers licenses and need to be investigated. Please let me know if this is the correct agency or who I need to contact to get this resolved and investigated. Thank you
Consumer complaint received 2015-08-26
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

I was promised credits for a refi loan 1. {$500.00} promo credit and # 2 {$1500.00} lender credit. Now XXXX hours before closing they tell me the lender credit is {$740.00}. I have been promised both credits in the entirety several times in disclosures, emails and by phone bow that I am set to close the credits are going away. Deceptive practices
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.
Consumer complaint received 2015-05-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Our loan servicing was purchased by Ocwen XX/XX/XXXX. Shortly thereafter they started to impound our account for both taxes and insurance. Impounds have never been part of our loan agreement. When I called to question why they are charging impounds, no one could answer my question for the XXXX few months since my loan docs were n't uploaded to their system. So, they did n't have my loan docs, yet they were impounding my account. And of course, it cost me valuable time and many phone calls to finally have them read our loan docs and realize their error. 
Then, they did it again in XX/XX/XXXX by paying our property taxes and impounding our account. Again, without telling us and again not part of the loan docs. And again putting me through the hassle of getting this taken care of. They have been a disorganized mess from Day XXXX.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (NE)

I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (IL)

NCA WENT ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA. SOLD DEBT TO XXXX WITHOUT VALIDATION AND ENDED UP ON MY CREDIT REPORTS IN VIOLATION OF FDCPA, FCRA, AND TCPA. XXXX CALLS TO MY WORK ETC SEE ATTACHED PHONE AND OTHER RECORDS.
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Bureau, Inc. ()

There is a claim listed on my credit report that I do n't recognize. I have never received any communication regarding this claim. I can not get through to the credit collection agency listed. I 'd like to know what it is and will pay it if its legitimate or I 'd like it removed from my credit.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I worked very hard to pay down my credit card balances and improve my credit score. Transunion for some reason has the same credit card on my credit report XXXX ( no other credit bureau has this mistake ). I have phoned several times to have this issue remedied. When phoning the first time in early XXXX, I verified with the representative that both of these items had the same account number, an obvious duplication. I was told an investigation would take place, which might take 30 days. I am not satisfied with this response, particularly with the duplication being so obvious. I then followed up with XXXX who then sent me a letter via email, verifying that I only have XXXX credit card account with them. I faxed this to Transunion who stated that this new item would be reviewed within five days and a determination made. I instead received a letter stating the new documentation would extend the investigation to XXXX XXXX. This is unacceptable. This issue is affecting me financially and emotionally. I am trying to secure a home, but can not because of this issue. My family is planning to move, but is delayed because of this issue. I am being denied because of my Transunion score which is inaccurate. I am attaching all documents sent to Transunion.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Dear CFPB, I have lived in the XXXX XXXX area for the last 30 years and strive to be a good citizen. I vote, pay my taxes, and am an active member in the community. I really enjoy where I live, but am in a situation where I may lose my house to foreclosure. I have been trying to work with my mortgage servicer, Wells Fargo, but they are failing to communicate properly and are not providing me an opportunity to pursue retention options. They have never given me a single point of contact who would return any of my calls, and now I have a foreclosure sale scheduled for XXXX XXXX. 

My discussions with them have stalled and I am hoping you can contact them and open a line of communication that leads to a constructive conversation regarding my mortgage and the pending foreclosure sale. 

I have worked for many years in XXXX. I never had any problems or issues financially until I had a horrific traumatizing experience : my XXXX year old son passed away. This experience was devastating, setting me back emotionally, physically and financially. You know that saying when it rains it pours? My child support ended, my XXXX husband could not endure the crisis and left me and filed for divorce, and then I struggled to find a job while still grieving. As a result, I could not keep up with my mortgage and fell behind on my loan payments. I reached out to Wells Fargo to negotiate a repayment plan or a loan modification, but I could not get anywhere. I was so frustrated!!! I tried to make a partial payment, but they sent the payments back and told me I had to pay all the arrears in full!! I gave up trying to deal with them until I got somewhat established financially. I inquired again in 2014, but was told over the phone the same thing again ( that I had to pay the arrears in full ). I decided to try anyway and applied for a modification and got denied a couple of months ago. However, I was never given any alternative options to save my home or appeal the decision. 

I have to continually try to explain my position to the representatives who answer the phone, but I ca n't seem to get any answers from them. They flat out have been lying to me throughout this process, telling me that they want to help and that falling further behind actually makes a better case for modification, and then denying me any help saying that I 'm too far behind. They have essentially slammed the door on communicating with me. I just need someone at Wells Fargo to speak with me and give me reasonable options to save my home. This is an avoidable foreclosure and I believe I qualify for help if Wells Fargo would come to the table and have a constructive conversation. I would like to see if you could contact them on my behalf and get them to speak to me in an attempt to save my home from foreclosure and give me a proper review for retention options. I would be grateful for your effort
Consumer complaint received 2015-12-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Dear Sir or MadamI am in constant amazement of your companies business practices. Attached please find a loan of a property I purchased in XX/XX/XXXX. The property address is XXXX XXXX XXXX XXXX NC XXXX. It is a XXXX bedroom condo that I purchased for {$110000.00} as an investment property through Wachovia. I have called Wells Fargo many times to this day to have this property loan NOT listed as my primary residence XXXX XXXX XXXX XXXX Florida XXXX. Many times when I call Wells Fargo they tell me there are too many numbers in my loan XXXX maturity date XX/XX/XXXX and it is not a Wells Fargo loan. They also list the loan as a Mortgage Equity Loan Statement! I then explain it is an old Wachovia loan and then they go oh! But do n't you think after XXXX you would have consolidated the loans and had proper Wells Fargo loan numbers attached to the old Wachovia loan numbers. XXXX things I need I was dealing with XXXX XXXX XXXX in your loan dept and I asked him for XXXX, XXXX and XXXX rates on my existing payoff of {$74000.00} and that they need to remove my Primary Residence off this loan and then that is when the fun starts. I then email him all of my information and he will not answer emails or phone calls. No one form Wells Fargo will call me back, answer emails or return any messages. Could someone please get back to me it should be an automatic refi, I have never missed a payment and I want to get my primary address cleared up and the North Carolina address for the property cleared up. I do not know whom to talk to as I have sat on hold for hours at a time and have been bounced around from department to department with no resolution. It should be an auto refi and go forward.
Consumer complaint received 2015-08-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (MA)

In XXXX XXXX we closed on a condo in XXXX XXXX. The mortgage company at the time of closing was XXXX XXXX. The mortgage was immediately transferred to XXXX XXXX. After a few more years, the mortgage was transferred to XXXX XXXX and payments were made to PHH ( a mortgage payment clearing house ). 

In XX/XX/XXXX, my partner and I were having financial difficulty because of a faltering business we both owned. We fell behind our on mortgage payment in XXXX XXXX. In XXXX XXXX, we sent a payment for one month. The check was returned to us because, as the representative said, the payment did not bring the account up-to-date. The next month, we tried to make two payments. The checks for both payments were returned because the payments did not bring the account up-to-date. 

The mortgage was transferred to the Loss Mitigation Department. We attempted to contact the department several times over the course of two months. Each time we were told the person in charge of our account would return our calls. That person never called us. 

Finally, we spoke with the account manager who sent us a Financial Package to work on possible solutions. We immediately sent in the necessary paperwork regarding such solutions. Later, we called the account manager several times only to be told the account manager was " awaiting a decision from shareholders. " Obviously, our mortgage was falling further and further behind. The decision was finally handed down. The account manager told us we did not qualify for any repayment terms and we needed to pay tens of thousands of dollars ( payments, fees, interest, and penalties ) in order to keep the foreclosure process from moving forward. 

The property was sold at auction in XXXX XXXX. We were evicted from our condo in XXXX XXXX. The paperwork filed for the foreclosure, sale at auction, and eviction were prepared by the Law Offices of XXXX XXXX XXXX, XXXX ( We later learned, via different and well-respected news outlets, our foreclosure documents had been robo-signed by employees -- but not attorneys -- in the Law Offices of XXXX XXXX. XXXX. ) Consequently, XXXX XXXX XXXX was later disbarred from the Florida Bar Association for his actions in handling thousands of foreclosures in the State of Florida. 

See links to news articles. XXXX and XXXX
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.