davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My deceased father had a mortgage with the servicer Ocwen. I am selling the home and when I requested a payoff, I was told that it was {$100000.00}. The purchase price of the house in 1978 was only {$100000.00}. Although my father refinanced the home, I believe that Ocwen has greatly inflated the payoff amount for the home. Will you please look into the payoff for me and make sure that Ocwen is asking for the correct amount. Thank you!
Consumer complaint received 2015-04-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (GA)

The previous mortgage service company never honored a XXXX loan modification of reducing my rate from XXXX to 5 %. At or near the end of XXXX, they agreed to reduce the rate to some crazy low number, write off excess deferred interest and drop our payment. We never received confirmation of the changes and they sold our mortgage to Caliber Home loans. We received a letter from Caliber in XXXX XXXX that said we should expect a welcome packet. We never received this. I tried calling the phone number attached to the paper but since I did n't have an account number, I kept getting disconnected. After MONTHS of not receiving a mortgage statement, I assumed my previous servicer had done what was requested initially and reapplied the excess payments and paid our mortgage ahead by a year. At the end of XXXX, I came home to a letter attached to my front door that stated the property appeared to be vacant and to call a number for XXXX if it was not vacant. I called and let them know the house was obviously not vacant as there was furniture, food etc in the house. I asked her who was responsible for saying my house was vacant, she said the mortgage company. I asked her who the company was, she indicated she did n't know. She would not provide me with a phone number or even a name. On XXXX/XXXX/XXXX, XXXX came into my home, changed my locks and winterized my home without my knowledge or consent. Their was a phone number left on my front door and I was FINALLY able to contact the mortgage company. I spoke with a XXXX XXXX at XXXX who seemed very apologetic, did not offer me an explanation and gave me the code to the lock box with my keys in it to MY HOUSE. We do not occupy the house full time right now but we still have a lot of things in the house that is our private property. On XXXX, we were looking for some specific items and started to realize things were missing. XXXX not only came into our home unauthorized, they stole about {$5000.00} worth of tools and coins. They placed locks on our lawn equipment so that we could not keep our yard manicured. We filed a police report with XXXX XXXX police, the following day, I contacted XXXX XXXX again. Asked her the status of my loan. The house is NOT foreclosed, no sale date pending but is in the starting process of foreclosure. We have NOT received a mortgage statement since the last servicer! There has been NO indication of a foreclosure. She only wanted to refer me to customer service. I do n't even have the phone number, only her direct number. We contacted XXXX at XXXX and they would not provide us any info about the person who entered our home and stole our things and destroyed our house.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I CHECKED MY CREDIT REPORT TODAY AND I HAVE A NEW ACCOUNT WITH THE COLLECTION AGENCY PORTFOLIO RECOVERY. I DO NOT HOW THEY ARE REPORTING THIS. I WAS NOT GIVEN THE RIGHT TO DISPUTE OR ANY KIND OF INFORMATION FROM THEM BEFORE THEY STARTED REPORTING THIS DEBT.
Consumer complaint received 2015-03-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My mortgage was bought by Green Tree in XXXX XXXX. My husband lost his job in XXXX XXXX and we got behind. We tried to work arrangements out with Green Tree. They are refusing my payment unless I bring it current. They are calling several times a day and faxing over personal info and payment history to my work fax and my co workers seen it. I paid a XXXX payment in XXXX $ 4200- because of there threats of taking my home. I paid another XXXX in XXXX and called another payment in for XXXX in XXXX. I was told I am still XXXX payment behind and needed to pay {$4200.00} for XXXX not XXXX and that would bring me current. I explained to them I do not have it. I then received another call a few minutes later from another account Rep - who handles my Account - I was threatened they would void my payment for that day and it would put me 60 days past due. I asked again to speak with a manager - who then gets on the phone and says they will look in to it. I called back the next day and asked if my payment had been voided, I was told no. I pulled my bank statement up and see they reversed it back into my bank account. How can they refuse a payment after excepting it. The tactics they use are not right for those who are trying to keep our homes. They are purposely refusing PAYMENT to damage my credit and make me loose my home. What can I do?? They told me to file foreclosure. I can not believe they would want to push a customer into foreclosure over being XXXX payment past due. I am trying to keep my home and have always paid on time until my husband lost his job. I have proof of them excepting the payment then voiding it. I believe they are playing games, I have talked to several people who claim to be managers who say they will look into it with no follow up.
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The XXXX contact was on XX/XX/XXXX. They always begin the conversation is this such and such ( name ) ; without ever identifying who they are. They ask for personal information although the public is advised not to give personal information over the phone ; they continue to use this tactic. This is a debt that I took care of XX/XX/XXXX when I refinance my home and from that point on this debt has been sold to various collection agencies. They as for the request to have calls stopped to be sent in writing. I am reluctant to do that because I did not want to provide any personal information including my address, but it was confirmed by the Bureau of Consumer Financial Protection that it would need to be in writing. Sending my request in writing is my next step to stop these repetitious phone calls.
Consumer complaint received 2015-10-27
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

Rushcard ruined my finances and caused me so much struggle for about two weeks without a penny to my name. I am a single parent and XXXX kids and i just could not figure out how to feed my kids day by day. I was devasted and cried daily. The need to pay for what they did to us. They conducted a server change, my card would not work, embarrassed to find out after food shopping my card declined on $ XXXX+ in groceries. They would not answer phone, either ring or hung up but not a soul to tell us what was happening with our funds. My sons XXXX birthday party cancelled and rescheduled cause i had no funds. My bills not paid and cell and XXXX turned off cause pmt arrangement i had. I was disgusted how they treated us without a care that we live check to check and had no other means for cash. I fed my kids cereal and milk during this time. It was nutts.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Ocwen loan servicing , LLC assumed my mortgage from homeward mortgage, and this resulted in a late payment charged to my account. I been trying to get this payment removed through them for three or more years. they have reported this to the credit bureau and effected my score.
Consumer complaint received 2015-06-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I no longer owe this money to lobel they sold it to a third party .so if they sold it how can I how them.i have contected lobell and they have no info.all they tell me is it was sold to a third party what does that mean it has been on my credit report as wrong info I also notifed my credit report agencys they do n't help..
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Cash advance fee — 
Company: CITIBANK, N.A. (NV)

I purchased Action item/timeshare Specialist on XXXX for {$510.00} ( see link ) : XXXXAdd Payment Accepted : *Cashiers Check*Money order *Wire Transfer *Credit Card *XXXXWas unable to purchase directly through XXXX/Timeshare specialist invoiced me directly through XXXX. I paid for item through my XXXX Account ( XXXXXXXXXXXX ). 
My CITI Bank card ( ending XXXX ) tried to charge me a fee for a cash advance ( {$25.00} ). I phoned Citi Bank & was going to cancel me card/pay off the card since this charge was a normal credit card transaction ( not a cash advance ). Citi Bank willingly waived the charge. A month or so goes by & Citi Bank tried to charge {$3.00} interest where as my card is a 0 % APR for 18 months ( ends XXXX 2015 ). Once again, I phone them & they said they will waive the fee only this month ( said, the charge was a cash advance ). I paid off my card in full the next day. Previously, I phoned XXXX & they stated there is nothing on XXXX item number : XXXX which states XXXX/credit card payments must be a cash advance. Citi Bank supervisors just state XXXX requested this to be a cash advance ( they refuse to give it in writing to me ). Contacted XXXX a few times over this & they state seller paid all the credit card fees ( this transaction was not a cash advance ). XXXX fraud dept emailed me this ( note XXXX stated they never process credit card as a cash advance, although only XXXX time the represenative said she saw it only XXXX when account had no $ in it ) : Dear XXXX XXXX, Thank you for contacting XXXX Customer Support today. As requested, here are the details of the transaction, in question : Transaction ID:XXXXMerchant Name : XXXX XXXX, XXXX. 
Date : XX/XX/2015Amount : {$510.00} USDDescription : Credit Card Payment Sent ( Service ) To clarify, this was not a cash advance payment. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. All rights reservedContacted Citi Bank about this fraud & that I was going to report it. The supervisor said go right ahead, it does n't matter if the charge through XXXX states anything about a cash advance, they will process it as a cash advance ( gave examples such as casinos, energy bills ... ) & that if I do the same charge again that it will be charged as a Cash Advance ... 
I paid off my card in full {$1300.00} where as the {$3.00} interest they will waive. I do not plan on using Citi Bank for any of my future banking needs ever. I found this incident should be reported to a government agency for especially the next person due to its nature of a very possibly fraud activity of Citi Bank credit card practices. Any questions or need further information please contact me ; thanks & take care. 
Yours truly, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, NV XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

HI, The problem seems to be the fact that the reports do not show credit reports showing all payments have been made on time, there have been no late payments missed or late for as long as I can remember. 
There was reporting of my lease payments made every month for for the time i have lived here, for some reason that reporting stopped?, I have never been late or missed a payment ever, but the non reporting seems to have affected my score, in the credit report it shows that there were a few missed payments when i purchased my car, this is incorrect, I purchased the car in XXXX 2002 ( new ) car was paid in full in 5yrs, not one payment was missed or late. 
The other accounts in my credit life such as XXXX account, phone bills, all the normal everyday bills that do not get reported i have never missed or been late, but this system does not take any of that into consideration when reporting my score. 
I have taken pride in paying my debts on time, there have been no derogatory reports, no negative anything, but yet the transunion report, and the others continue to show a few missed payments in the car purchase, account is paid in full and closed years ago, no reporting on on time lease payments going on 4 years now, never late, never missed a payment, this reporting just suddenly stopped for some unknown reason. 
I guess you can see i am a bit upset with this reporting system, the errors that are there, have tried to get them corrected by contacting the reporting agency 's, the fact that my banking and savings accounts are above average, because i closed a credit card account because i was not using it, my score went down, and it seems the only way to get it back to where it was is to get another credit card and go into debt, just does not make any sense to me!. 
Thank you for the opportunity to lay this out, really would not have to go through all of this if there was a accurate and efficient way of reporting errors that need to be corrected. 

Sincerely, XXXX XXXX.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After filing a fraud alert with TU, I filed a complaint with them that they had allowed a third party to access my credit report and add " and XXXX XXXX '' after my name in the record. I also reported that their own XXXX complaint line operator had told me a New York XXXX company named XXXX XXXX XXXX showed in their files as accessing my file in the past ( I was not given the date though it is a part of the file ). 

TransUnion 's response was to tell me that a Fraud Alert had been added to my file and that their investigation was closed. The third party name XXXX XXXX remains on my file and presumably means that entity has full access to my credit report. 

I want an explanation, apology and assurances from TransUnion that they have closed off whatever access device is/was used to access my report, and that they have removed that third party 's wording " and XXXX XXXX '' from my file. 

Otherwise the concept of these XXXX credit bureaus being the XXXX XXXX of US citizens sensitive credit reports, is a farce and it should be known to the US public, as such.
Consumer complaint received 2015-06-23
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

Bought a {$500.00} US Bank Visa Pre Paid Gift Card from XXXX XXXX XXXX was handed an activation receipt at time of purchase. Called into Card Member Services XXXX to change pin immediately after and was sent to Customer Care agent who told me that the funds were there but the card had not been fully activated even though I had a receipt showing otherwise. Followed their instructions to fax required info to Card Activation department at XXXX. Called back next business day to confirm receipt of fax and information and was told by agent it would be at least XXXX business days before someone worked the issue. Called in again the next business day anyways just to see if the card had been activated and the card balance now showed {$1.00} so I pressed XXXX to speak to agent. Agent advised now there was a charge of {$490.00} on the card which was done at some XXXX somewhere using the card number and pin, which I clearly did n't make. Followed their process now to contact Fraud at XXXX. Faxed in information to XXXX and called to speak to representative in Fraud. Was told I needed to file police report and wait for them to mail affidavit before my case could be reviewed and to expect 3 to 4 months to get my stolen funds back. Asked to speak to manager and was told by agent nobody was available and they were outsourced by US Bank and they could provide me no further help or points of escalation on this issue and I simply needed to follow the process and wait. Found many other issues like this on-line with simple search. Clearly a larger fraud issue and I should n't have to go through this crazy process as a consumer to get my money back.
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (KY)

My husband and I both have direct deposit of our paychecks to our checking account. We are very strict on our spending and record keeping. So when we use our debit cards or write a check, we know how much is in our account from not only the check registry, but our online banking. Except in the last 6 months we have ended up with over {$2000.00} in overdraft fees. When I inquire about it at the bank, I am told the reason is that when we use our cards, it puts a hold on that amount of the money in our account. Then when it clears, if there is not enough to cover it, because of the pending amount they are holding, we ars charged an overdraft fee. How is this possible if the money has already been set aside for this item that was pending? Example : my husband 's paycheck was {$500.00}, and we spent {$350.00} out of that using our cards. We should still have {$150.00} left in the account. Except our bank says we are over drawn because they put a hold on that {$350.00}, so therefore when those pending items clear there is no longer {$350.00} in the account to cover those pending items. How is this possible if they have already put that money on hold? This happens frequently anymore and it has cost us quite a bit of extra money in late fees, because we end up having to hold off on bills because our paychecks are gone as soon as they hit the bank account, just pay off the overdraft fees. Please help us, as we are drowning now in financial debt because of this bank. And are unable to switch to another one, because they show up on any chex check that is done, in order to open another account.
Consumer complaint received 2015-12-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Forster & Garbus LLP (NY)

A company called Forster and Garbus filed paperwork with local courts 2 years ago, getting a default judgement on me, when I told them the loans they are collecting on, for XXXX, were in fact not mine. Worse yet, they refused to show my court documents to the court, never told me of a court date and my answer to their complaint was never given to the court. As a result, they go XXXX default judgements against my name, with a false co-signer and have been garnishing my wages for a year and a half. I want this money returned, I want these garnishments lifted and I want them to re-open these cases at no cost to me
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

My lender, New Penn Financial LLC / Shellpoint placed forced insurance coverage on my property improperly. I have maintained insurance coverage for my condo ( XXXX and exterior building policies ) for the duration of my ownership beginning in XXXX XXXX. 

The lender placed coverage on XXXX XXXX, XXXX for a period dating back to XX/XX/XXXX. I did not receive any formal notice of them placing coverage. Upon discovering the amount on my monthly statement of {$1100.00} as an escrow balance, I contacted them and provided sufficient information of coverage, which led to a partial refund. Over the past year I have tried several attempts to get them to refund the full amount for the coverage period they specified. I have been given various email addresses and fax numbers by various customer service representatives, and none of that has resulted in the full refund being issued. Again, I have sufficient coverage for the time period they reference and have submitted it to them several times to no avail. 

To summarize, they force placed coverage when I had existing coverage for a backdated period, did not request any proof of insurance from me prior to doing so, and did not provide any notice in writing that coverage would be placed. They have thus far refused to issue the rest of my refund. My latest attempt to resolve this issue was by phone on XXXX XXXX, XXXX in which a customer service representative assured me that she had spoken to an " insurance department member '' and they assured me that it would be refunded. When I asked for a specific name and title of the " insurance member '', for future reference which she refused to provide. The representative would only state that any member of the insurance department could help me in the future, and that it would in fact be refunded. 

I am strongly considering legal action at this point, and would very much like your assistance in resolving this matter.
Consumer complaint received 2015-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (MD)

The Harvard Collection Services located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX engaged in Unfair Collection Practices and Unfair Credit Reporting Practices. A Harvard representative contacted me regarding a XXXX bill. The Bill belong to a family member that resided in a home owned by me. I previously agreed to a weekly debit of {$25.00} with a different collection agency hired XXXX. The past due bill was transferred from the prior agency and given to Harvard for final collection activity. When speaking with the Harvard representative, I was told that if I paid {$220.00}, the bill would be paid in full, no further collection activity would continue, and this matter would not be reflected on my credit report. I paid the agreed upon amount on or about XXXX XXXX, 2015. On XXXX XXXX, 2015, I received an alert from XXXX indicating that a collection account was added to my report. That Monday, I contacted Harvard. I spoke to a representative who advised that the prior young lady that took the payment did not update the system correctly, which caused this to be report to my credit profile. She assured me that this matter would be deleted from my credit profile. I followed-up a few days later and was told by a different representative that this matter would stay on my credit report until the {$91.00} was paid. ( Please note that the {$91.00} represents fees added to the balance of the bill, and not fees associated with the electric/gas services provided by XXXX. ) I immediately requested to speak to a supervisor and requested to have all telephone calls pertaining to my account pulled and listened to. I followed-up two days later and was told that the supervisor would have the information deleted from my credit profile. To date, it does n't appear that this has happened. As a result of this unfair collection practice of providing false information in an effort to obtain payment of an debt, I have poor credit. My score has dropped from the XXXX to XXXX. I respectfully request your assistance in this matter.