davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

We are considering selling our home. Our primary mortgage holder, Ocwen, modified the loan a little over three years ago. This resulted in {$32000.00} of deferred principal that has been forgiven over the last three years. Part of the modification includes an Equity Share Arrangement where we would share any price appreciation with Ocwen. Somehow, the home value was set at {$60000.00} when the modification went through, and the home has never been worth that little. Regardless, the problem we are having is figuring out how much we will need to pay Ocwen if we sell our house. Every time I call, I get a different answer. XXXX person says we will split the profit XXXX, another says there is no sharing because the reduction was forgiven, another told me the only way to find out is to sell my home and see what Ocwen sends me for a pay-off. Unfortunately, I have a second mortgage and sending a bunch of extra money to Ocwen means I ca n't pay off XXXX mortgages, so I ca n't sell my house. I 'm ok with that, except the only way I can find out if that is necessary is to sell my house and see what Ocwen sends me for a pay-off??? Why ca n't someone give me a definitive answer so I can move forward?
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frost-Arnett Company (NC)

A collection agency named Frost Arnet just started reporting a collection account on my credit report for {$2200.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.
Consumer complaint received 2016-08-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

XXXX I brought the house in XXXX 2006 on XXXX XXXX XXXX XXXX XXXX XXXX. 2 weeks later got laid off from XXXX XXXX XXXX as a XXXX a {$70000.00} a year job had Impeccable credit, could n't find a job back in my field do to the housing market. I found work in the XXXX 21/2 years later hired XXXX XXXX XXXX for bankruptcy, XXXX XXXX found a lot of Illegal Discrepancies in my mortgage papers the house should of never been sold to me the house was n't sell ready with proper paperwork knowing that the Title & Deed was n't the legal paperwork. They had NO Title or Deed, XXXX XXXX told us not to pay Ocwen because they did n't have the right paperwork to service the loan. We heard about the XXXX program to get refinance for our home turned in all the paperwork they told us that they ( Ocwen ) lost our paperwork several times, XXXX yrs. later XXXX XXXX called us for another appt.to talk about our case we were told that the statue of limitations is coming up and after that date he asked us what we wanted to do sit and wait to see if they come up with some kind of settlement for us to refinance our house if they do n't come up with any settlement and Proper Deed & Title in the amount of time as allowed that they ca n't touch the house legal..
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (PA)

I 've received several collection phone calls from Shellpoint. When I initially spoke with a representative from Shellpoint, I asked that they not contact me at my work number nor my cell phone number and I provided all of the contact numbers I had for my ex-husband. I explained ( to both XXXX and Shellpoint ) that this property was awarded to my ex-husband in divorce and I did everything in my power, including obtaining an order to force him to sell or refinance the house. He fought the order all the way to the state supreme court and lost the case, this XX/XX/2016 I left XXXX marriage, purchased a small house and did absolutely EVERYTHING that the law would allow to force my ex-husband to be responsible for the XXXX XXXX residence. I provided all of this documentation to XXXX XXXX XXXX with the understanding that although this was adjudicated through the divorce court, there would be no acknowledgement of such by the Bank. I asked to not be contacted via my cell phone nor my work phone with both XXXX XXXX XXXX ( who stopped contact ) and with Shellpoint ( who continues to contact me ). Upon my first contact from Shellpoint, ( XXXX XXXX at XXXX ) I explained the entire situation once again and stated that I provided XXXX both a verbal and written request to not contact me at work or cell phone number. I was told by the customer service representative that the request made with XXXX did n't matter and I would have to go through a similar process with Shellpoint. I stated then to consider this call as my request to cease contact and hung up. The Shellpoint representative subsequently called my work phone number back again ( XXXX XXXX at XXXX ). I did not pick up the call. I just received another call today, XXXX XXXX, 2016. 

When the loan was with XXXX, I said that I would sign and execute any documentation needed by XXXX XXXX XXXX to facilitate the foreclosure. XXXX XXXX XXXX then sold this loan to Shellpoint, in the midst of the foreclosure process, and now Shellpoint is calling me. This foreclosure process has lasted almost 3 years with no end in sight. I 've taken a huge hit to my credit, since this and the second mortgage is being completely ignored by my ex-husband and have provided XXXX XXXX XXXX and Shellpoint with all of this contact numbers and information I have. I 'd like for this to end.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: KEYCORP (NY)

On numerous occasions I have called to fix my Key Bank online banking because they locked it out when they merged with First Niagara. I provided my full social so they could pull up my account. Apparently that 's not enough to verify my identity. I proceeded to provide my address on file, as well as my date of birth .... I was told that still was n't enough. They proceeded to ask me more " Public Record '' questions, which most of these questions did n't even apply to my life. After answering them I was told they still could n't verify who I was and could go no further in this call. I asked for a supervisor and at first was denied this. After asking 3 more times she placed me on hold. I held for over 20 minutes and finally had to hang up because no one came back. They are now charging me late fees and more interest because I can not pay my bill and they wo n't allow me to access my account.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HFC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX HFC claims they completed an interior valuation on XX/XX/2017. We requested a copy of it per the ECOA Valuations Rule. HFC is refusing to provide a copy of their valuation. This is a violation of the ECOA Valuations Rule. See highlighted sections of the attached ECOA Valuations Rule. HFC claims they are above the law and the CFPB can not do anything to them.
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: KEYCORP (NY)

Recently Key Bank acquired many of the facilities and accounts of 1st Niagara Bank. In communications from both 1st Niagara and Key Bank, customers were told that no change would take place, that we would continue with the same accounts : the account numbers would remain the same, we could use our 1st Niagara Checks, etc. We were also told that we could continue to use our ATM cards and ATM passwords. 
I am XXXX of those 1st Niagara customers that was " sold '' to Key Bank. Other than some initial problems getting Internet access to my accounts, things seemed to be going OK. Yesterday I received my XXXX statement for my checking account. On that statement I noted a {$1.00} fee for a " KEYMONEY ATM CARD FEE ''. I e-mailed the bank about this and was informed that this was because I did not have a Key Bank Debt card ( which Key bank apparently has designated as " their '' ATM card ). So unless I get a Debt card ( which I prefer not to do as such cards do not have the consumer protections that credit cards do ) I will have to pay a monthly fee to access my account via an ATM The bank also told me that this fee was disclosed in a XXXX page Consumer Disclosure Booklet. So apparently earlier statements to the effect that we 1st Niagara customers could continue as usual were not truthful. 
As a minimum, Key bank should continue to honor the 1st Niagara ATM cards with no additional fees.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MO)

I HAD TO FILE BANKRUPCY XX/XX/XXXX AND XX/XX/XXXX. I DID GET BEHIND IN MY MORTAGE PAYMENTS. WI TH WELLSFARGO. INSTEAD OF WELLSFARGO HELPING ME MODIFING MY LOAN THRU HAMP, WHICH EXPIRED XX/XX/XXXX. THEY USED THE HARP WHICH REALY I DID NOT NEED TO BE IN. I NEED A JUDGE TO ORDER WELLSFARGO TO GO BACK AND SEND MY LOAN THRU THE HAMP PROGRAM. OR I WANT TO SEEK LEGAL ACTION ON MY LOAN. I HAVE BEEN IN MY HOME SINCE XX/XX/XXXX. 
I AM NOW PAYING A 9.25 % INTEREST RATE. CAN YOU HELP ME SEEK LEAGAL ACTION., I HAVE A LOT TO TELL YOU ABOUT MY LOAN IN PERSON. WELLSFARGO DID NOT TREAT ME RIGHT UNDER THE SONSUMER FINANCE ACT. I AN NOW UNDER CHAPTER XXXX TO KEEP MY HOME. I ALSO HAVE A CREDIT OF {$330.00} FROM A CLASS ACTION SUITE , AND THEY WILL NOT GIVE IT TO ME. I ALSO HAVE ANOTHER CLASS ACTION SUTE, ( NOT GRANTED YET ).
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo, where I 've held a business acct for 12 years, is holding {$1000.00} of XXXX of my deposits made on XXXX XXXX, XXXX until XXXX XXXX XXXX. 
The original check was for {$6000.00}. They released {$5000.00} after 2 days but will hold the remaining {$1000.00} for 2 weeks. I asked why and was told " Oh there are many various reasons like where the check came from, the amount of the check, any problems with the account, etc '' I have had this same client for 12 years and have deposited his checks at Wells Fargo for 12 years. Why, now, are they holding {$1000.00} of a deposit for 2 weeks. My client told me the bank already withdrew his money from his account. How do they have the right to give me NO DEFINITIVE ANSER? The girl at the bank shrugged her shoulders and said " Sorry for the inconvenience ''. I do n't believe it. They already have a history of using depositor 's money to open fraudulent credit cards. They refused to release the funds even though they already have the money taken from the bank that issued the deposit.
Consumer complaint received 2016-09-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

When I left my last employer, my 401k account had been transferred to Wells Fargo. I had no idea that it had been transferred to Wells Fargo until I called the original company that was managing it because their statement had fees and I wanted to know more about the fees. 

After getting in touch with Wells Fargo, I instructed them to close the account and send me the funds in the account. I had barely {$200.00} in that account and I was being charged the equivalent of about XXXX % every quarter. When I made my request over the phone, I was instructed to prepare a written request, fill out a several page form and even get one of the documents notarized! I have never had to do so much work to get my own money back. 

They were clearly doing everything possible to make it hard for me to obtain my funds. To give some perspective, I was laid off from a job in XX/XX/XXXX, where I had a 401k balance of about {$85000.00} that was managed by a more reputable and friendly firm. I only had to log into my 401k account online and make a request. Within one week, I was mailed a check for the entire amount. No questions, no written requests, no documents to get notarized. 

After I went through all this trouble, I received my check in the mail and observed that I had been charged the equivalent of about XXXX % of my balance! There was not statement, no explanation, just a check for about XXXX % of my balance. To say that I am livid is an understatement. This is abuse, and this is coming on the heels of Wells Fargo being issued fines by your very agency for shady behavior. Well it seems that they are still up to no good, abusing customers and squeezing us for fees wherever possible. 

I am fortunate that I am not in a financial situation to be impacted by this behavior, but many Americans do not enjoy my position, and these outrageous and what SHOULD be illegal fees must be addressed. 

I would very much like you to go back to Wells Fargo and investigate their practices with respect to managing ( or fee farming ) 401k accounts. Your assistance would be greatly appreciated. Americans work too hard for their money to be treated this way.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo decided to terminate the banking relationship with me. 
At the same time I was charged {$400.00} interest fee for a balance transfer of $ XXXX I never initiated. I called wells fargo XXXX times and each time they transfer me in circle between XXXX departments. Customer support transfers me to the fraud department, the fraud department transfers me to the loss prevention, and loss prevention back to the customer support. I was on the phone a full week and no one knows what they are doing
Consumer complaint received 2016-11-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

I recently loss my wife in XX/XX/XXXX, and tried to refinance my home to get a better interest rate. I was later told that I had a lien on my home from Wells Fargo Financial in XX/XX/XXXX for XXXX recorded XX/XX/XXXX Book XXXX page XXXX. In XX/XX/XXXX we refinanced the loan with XXXX with no problems. My lawyer and myself have reached out to Wells Fargo ( phone calls and fax ) several times in regards to getting the lien released on my home. After a month of trying and getting no response I need another way of getting the lien released. The process of getting my home refinanced has come to an halt. Because I have not gotten a response on my lien being released and I can not personally talk to someone at Wells Fargo that can give me answers. I have faxed XXXX letters to Wells Fargo requesting the lien release.
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

My mortgage has been totally messed up since XX/XX/XXXX. There are two payments missing from XX/XX/XXXX. Told me I would be approved for modification but they foreclosed me 6 months later after telling me I was denied one week before foreclosure. Forced to file chapter XXXX to save home. Could n't afford payment so bankruptcy was dismissed. XX/XX/XXXX Wells Fargo contacted me saying I was now apvd for modification and in a panic I signed because it would save my home and remove my exhusband. After finding out my ex was not removed from original note I read the final papers that added in XXXX plus in fees with a balance {$10000.00} more than when I purchased home in XX/XX/XXXX. Now I face another hardship and durning mediation the rep for Wells Fargo wanted permission to go ahead with forclosure even though I had an app with XXXX. He stated I was going to end up having to file chapter XXXX anyway which was very unprofessional, sarcastic, and very untrue. I was given more time but this shows me Wells Fargo is not trying to help borrows they are trying to force everyone into chapter XXXX so they can add fees that should not or has not been needed. I received a letter stating I was charged almost {$4000.00} on XX/XX/XXXX for forclosure attorney fees. We did not go to mediation until XXXX and I was given 60 days at this time. After all the lawsuits ; this lender is still performing illegal lending practices and breeching privacy due to providing my ex with the history of payment when he is NOT on the deed of trust or mortgage loan, just the note.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Alliant Capital Management LLC (OH)

I have received a voice mail ( standard non-personal voice mail ) from a company alliant capital management ( on a phone number I 've never spoken to them on ) disclosing I supposedly owe them a debt ( without verifying who they are leaving leaving the message for, on a phone I share with other people ) threating legal action " to the fullest extent necessary '' if I do not contact them within 24 hours. The representative, XXXX XXXX also called my parents and disclosed my debt to a third party. This is a complete invasion of my privacy which is supposed to be covered by the FDCPA ; who also is supposed to protect against threats by debt collectors. Also I am stating that I am unaware of such debt or the means of this debt.
Consumer complaint received 2016-06-23
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (WA)

I had a payday loan with CashNetUSA online about four years ago. I had to close my account due to other issues. I did contact CashNetUSA with my updated bank information but they never updated their system. I was sent to at least XXXX different collection agencies that threatened criminal action against me. This part ended about one year ago. 

Recently I received an e-mail from CashNetUSA stating I would be receiving a refund for XXXX. I received the check dated XXXX/XXXX/2016 for XXXX from Enova. When I deposited the check into my account it was returned for non sufficient funds and my bank charged me an additional XXXX dollars in fees. 

I live in Washington State. I have attempted to contact CashNetUSA through their website but it wo n't let me log in or update my password. I have attempted to call but the customer service rep I get has such a thick foreign accent that I can not understand him. 

I am not sure if I qualify for the legal action taken against Enova/CashNetUSA as I do live in Washington State and did so when the loan was taken. I am not a member of any branch of the military. I need to know why they would send me the refund check and then not have the funding in the account to cover the checks.
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

I had filed ID theft with all companies in 2015 with a police report. It took till someone was brazen enough to get my bank accounts turned over to them to have proof of theft. 
XXXX XXXX XXXX then knowingly sold the fraudulent debt to CFSI and gave me 30 days to dispute it. 
I went to the website as instructed on the letter and there they where more than happy to talk to me till I provided legal proof of what I was referring to and then they just disappeared and stopped talking. I was using their live chat. if I leave the chat it will show I ended the chat and there would be no proof I was on hold for over an hour. As I am writing this, I am still on hold and no answer from them. Chat timestamp, chat started at XXXX XXXX, XXXX XXXX to XXXX XXXX, no answer. Then the outcome is that they are sending the information to the client for approval. But they are the ones collecting the bill yet they have no control over the bill and act as if they do n't even own the bill. So now I am not even sure if this is a real company, I may have just given all my information over to someone very bad. 
When the chat ended I clicked the save transcript button and it took me to a page that said it was timed out. There was no time out, my internet was working just fine and I do not have a proxy. 
They did not want me to have proof of that conversation.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (NC)

Professional Debt Mediation Inc. has been handling an unpaid debt of mine. They have listed this collections account TWICE on my credit report, which I understand to be illegal. They listed my debt of {$380.00} under two different account numbers so that the credit bureaus can not remove the duplicate account. In addition, every time I call them, they are very rude and unhelpful. They made it seem like the practice of putting the same debt on your credit report twice is acceptable by law.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (CT)

I paid off all my balance and closed my Discover card sometime last year. After a couple of months I received a statement for a membership fee plus a late fee. In XXXX last year I called the Card Company and told them that I had already closed the card and protested to them about the charges. They agreed to remove all charges and told me that now the card had been closed. For a number of months I received no statement from the card company. Sometime in XXXX I received another statement from the card company now with a much larger late fee. I again called the card company and told them that I had closed this card twice and have made no transactions on the card. The first agent told me that she saw the noting about the XXXX discussion, however she did not have the ability to take any action. She forwarded me to another agent. In this way I was forwarded XXXX times. I got frustrated in the process and told the last agent to do whatever he could. He asked me if I wanted to dispute member ship charges. I told him that the charges had been already taken off by them. Therefore I should not have to dispute them again. I also protested about the number of times I was transferred without any resolution to my problem. He said he could not take any action. He asked me if I had any proof that I closed my account. I told him that I had closed the account by phone. 
I keep receiving monthly statements with additional late fee. Now for a charge of {$10.00}, XXXX which had been earlier cancelled XXXX the balance stands at {$270.00} XXXX almost all late fee ). I feel that I am being harassed by the card company and request your assistance.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and Experian refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt.