davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Essential Retrieval Group (WY)

Contacted by XXXX XXXX XXXX initially stating that I owed {$2000.00} for a previous payday loan. Had only the last XXXX digits of my social, and my father 's name. Had a very old address. Stated that a complaint had been filed against me for non-payment of a debt. Could not tell me what company initially provided loan, or any other information, only that there was pending legal action and I would be served if I could n't get payment to them today. I gave them a bank card, which i promptly cancelled after calling the company they said they represented ( XXXX gave me all the information that I needed stating no debt was owed to them by myself, and the XXXX company, which lists a residential address and has all phone numbers associated with it disconnected. XXXX XXXX XXXX ). They promised a letter via e-mail which I never received, showing company information and debt and who the original debt was through. 
They called again this morning XXXX and harassed me again this morning, stating that the payment I set up ( wrong bank account information, etc ) did not go through ( old information again, bank account that I closed in XXXX ), and that they would sue me if they did n't receive a call from myself or my attorney by XXXX EST. They were rude and talked over me when I stated that I had filed a complaint and could find no shred of evidence that they were a legitament company. I hung up. They left a threatening voicemail which I saved on my phone.
Consumer complaint received 2016-03-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

There is a company CIT Bank NA listing a Mortgage on my credit file that is inaccurate and false information reflecting an account number XXXX. I have never had a {$620000.00} mortgage loan. I have disputed this information prior without a single response. This information is false and violating my rights. Please help assist me.
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

In XXXX of this year I received a collection letter from XXXX stating they are collecting on behalf of CITI bank for the account in default. I NEVER HAD citi bank account!!! I disputed this with XXXX bureaus and with XXXX who failed to validate this account and send me any proof that I was the debtor on this account but advised me to get a letter from CITI bank stating that I never had an account with them. I called XXXX # for citi bank, who advised me to inquire with the branch for the letter. But branch manager advised me to call their fraud department who directed me to the local branch again .... I also have written several request to citi bank asking them to validate this account but all went ignored. I am not stuck with the collection that does NOT belong to me and with collection company XXXX who is ILLEGALLY attempting to collect debt and harassing me non stop!
Consumer complaint received 2016-02-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

I keep getting monthly statements that say the amount due is {$2000.00} every month. I modified my loan and have not missed a payment thereafter. My payments are {$360.00} per month. I call into customer service and the automated system tells me the amount due is {$360.00}. BUT I still receive monthly statements every month that say I owe {$2000.00} which is very unsettling, nerve racking, and intimidating. I am being harassed by these monthly statements that say the amount due is {$2000.00} every month. I am never able to talk to a live person because it takes so long to get through and they are only available during regular business hours.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

Many agencies that pull my criminal background are not receiving the correction information on my record. I have found this since I was release from the XXXX XXXX in 2009 from XXXX XXXX. I have experienced the inaccurate reporting from many employers, rental properties, and financial services. I am currently working on stabilizing myself with a job, shelter, and food. I found that they report that I have felony charges and convictions. I only ask that the agencies receive the right information to further the chances of change for revitalization in society.
Consumer complaint received 2016-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

UAS which finances classes at XXXX over stepped it 's boundaries by compounding debt where there was none and then calling me 6-9x/day - constantly to pay. NYS financial law disallows certain practices as usury. Dodd-Frank also disallows certain predatory practices by lenders. UAS circumvents this by having its back office in MO and it 's collectors in NYS. This is illegal and the States ' Attornies General need to clamp down on this predatory lender and harrasser.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Funding LLC purchased a debt from XXXX and brought legal actions to recover the alleged debt. The case was dismissed on XXXX XXXX, 2012. However, Midland Funding LLC continues to report this on my credit report as if this matter is in collection alluding there is still a debt of {$7200.00}.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (OR)

I began the process of refinancing my home in XXXX. This was my second refinance with Chase so I was relatively familiar with the process. At the time I placed what was supposed to be a refundable XXXX XXXX dollar deposit to secure my rate. 

Contact with my broker has been limited, he often takes a week or two to get back to me. After what was much longer than the initial time-frame indicated, he had an offer that was much different from what it began as. The lenders were apparently heavily scrutinizing my income source and were refusing to recognize the value in shares I own in the company as equity. It being a company started in 1996, with XXXX locations in XXXX states and over XXXX employees, to which I have been able to prove I own over XXXX percent. Both my attorney and accountant have supplied everything the lender requested to substantiate my ownership, but they said it not being a publicly traded company, my shares were not even worth the XXXX XXXX dollars I needed to prove I owned. The XXXX XXXX dollars of annual gross revenue did n't matter to them, nor did the XXXX XXXX dollars in assets which our tax returns correlate. 

At this point I indicated that the only cause for scrutiny was the fact that our business was not mainstream, ( we are a chain of XXXX ) that they were unfairly discriminating against me, and I wanted management involved at this point. I also requested a letter with all of the specific reasons for delay and any adjustments to the offer also being explained and itemized. That was almost two months ago and I have n't received anything other than an initial response that they 'd get right on it. 

I know I 'm being discriminated against, that my company is being unfairly judged despite sufficient documentation, and that Chase is trying to sweep me under the rug. I also know that I have rights in this situation and am looking for assistance defending those rights. If there 's any help your offices could lend me or direction you could steer me, I 'd be deeply appreciative.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I have been trying to get a loan modification from OCWEN for almost two years. They have put me through the ringer. My account is a XXXX account. When I ask for a modification they just raise my monthly payments and extend the loan but never give me a modification. Many of my payments were not reported. I ask OCWEN to send me a copy of my original contract with my payment history but they just refuse. They ask me to send the same paper work over and over again. This seems to be a never ending story. THIS IS UNLAWFUL. PLEASE HELP ME. I bought this home in 2007 THAT IS MY XXXX DREAM. IT IS HORRIFIC TO THINK THAT I COULD LOSE IT DUE TO THE ILLEGAL ACTIONS OF OCWEN!!!!!
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Experian stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested Experian submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Experian has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to Experian and Experian states it was verified by XXXX XXXX. Experian is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.
Consumer complaint received 2015-12-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (LA)

I opened a complaint against Santandar a few months ago. They claimed that they would be sending the dealership a check for {$800.00} payable in my name and the dealership 's name to reimburse me for payments made on a loan that was " unwound ''. I did not submit a response because I was waiting on this check to be sent and to be reimbursed. The dealership claims that they did not receive a check from Santandar for {$800.00} or any other amount. I need proof that this check was sent to the dealership. If it was not sent, I need payment sent immediately and would prefer to have it sent directly to me so that I do not have to deal with the dealership about this matter. The old case number : XXXX. I could not respond to it so I started a new complaint. 

Santander 's original response is attached to this complaint. In that response Santandar states that we were supposed to continue to make payments until the vehicle was bought back by the dealership, but Santandar 's customer service representative specifically told me NOT to make payments. This is the reason that I stopped making payments, and, ultimately, the reason that the vehicle was repossessed. 

Also, during this time, when the vehicle was repossessed and sent to auction in the middle of the dealership buying the vehicle back, I was not given the option to take my license plate off of the vehicle to turn into the DMV. I assumed that the repossession company had done so and dropped the insurance on the car since it was not in my possession for 2 months. Because the license plate was not removed and turned into the DMV, my husband has a flag on his license for {$270.00} because there was no insurance on the car for 2 months. It also took the dealership 2 months to get the car released from the auction site that Santandar sent my car to. The dealership drove to the auction site ( in another state and more than 1 hour away from our location ) more than once to pick the car up after buying the car back and the person was turned away and told that Santandar still owned the vehicle. Finally after two months of this nonsense, the car was released to the dealership. The car was released with no license plate, the break tag sticker gone, the oil change sticker gone, a piece of the console missing, and missing paint on the front bumper. 

Thank you, XXXX and XXXX ( XXXX ) XXXX
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Greetings, After an escrow analysis OCWEN indicated that if our loan was contractually current, they would refund {$4300.00} in escrow overage. We spoke with their Ombudsman XX/XX/XXXX ( around XX/XX/XXXX ) and they indicated that we need to be current as of XX/XX/XXXX so we agreed to pay XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX and they agreed that should be fine and they would send us the overage. The person stated that it takes a few days for their system to apply the XXXX payment we made on XXXX/XXXX/15 so as of XX/XX/XXXX we were still technically late since we did not make the XX/XX/XXXX payment on XXXX/XXXX/15. This was fine by us and we planned to make XXXX payments of XXXX for XXXX and XXXX on XXXX. We noticed today ( XX/XX/2015 ) that their web site indicated that we are not longer current on our mortgage due to some payment reversals that Ocwen made on XX/XX/2015. They now say we owe for XXXX 2015 in the amount of {$1100.00}. We assume that we then will also owe for XXXX and XXXX 2015 as well. We spoke to their Ombudsman today and they indicated that they are not sure what has happened and agreed to contact their bankruptcy department ( we are in chapter XXXX ) and for us to call back in 7-10 business days. My wife contacted them regarding a similar issue a few months ago and her call was never returned which prompted my most recent complaint before this one to get answers and to get the escrow analysis we requested XXXX months ago. We finally did receive the escrow analysis which indicated that we need to pay the " contractual '' amount of {$2200.00} as opposed to the post petition amount of {$1900.00}. At this point we are not sure what payment to make and do not understand the payment reversals. If we wait 7-10 business days we will be really close to XX/XX/XXXX and the next payment will be due. Should we pay what is reflected on the web site for XXXX 2015 ( {$1100.00} ) or the contractual amount of {$2200.00} or the post petition amount of $ {$1900.00}? It seems to take a while for them to respond to we decided its best to at least file a complaint with you. We are not attempting to be difficult. We just want to know what payment to make and if the escrow analysis they provided is still accurate. Our chapter XXXX was scheduled to be done by XX/XX/XXXX but we are still making the last few payments and we have not been formally discharged. We suspect that their system automatically did these payment reversals assuming we were out of the chapter XXXX. We have no proof of that, just a coincidence that this happened in XX/XX/XXXX. Please help us understand what is happening with our mortgage. Thank you for your help as always.
Consumer complaint received 2016-01-28
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XXXX/XXXX/2015, I sent money through Moneygram to my brother in XXXX XXXX XXXX for my mother and family for the XXXX holidays. As of today, Moneygram has not released the money, ruining my family 's XXXX holidays, etc., saying that our names are XXXX names and that my brother in XXXX, which is a very peaceful country, may have XXXX. They say the transaction is under review but they have not been able to provide me with details of the review and evidence that his name is tied to some organized extremism when I ask. I have asked for a refund several times to send the money directly to my sister or mother but they refused. Reps I have spoken with have given me numbers inconsistently for my brother to call from XXXX, but those numbers do n't work and Moneygram agencies in XXXX are unable to call for him, citing link issues. I have asked Moneygram to call my brother directly to obtain whatever information they need but has refused to do so thus far. I need my money with interest and compensation for all the calls to and from XXXX. Thank you for your assistance and cooperation. 
XXXX
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (OR)

Paid a bill for XXXX through my online Billpay for {$230.00} via my US BANK checking account back in XXXX, 2015. XXXX says they ca n't find it, US BANK says they sent it and put a tracer on it and I have been bounced back and forth by these XXXX companies for the past eight months. My checking account has not been reimbursed and I keep getting bills from XXXX saying I still owe them the {$230.00}. I am a XXXX senior citizen and this situation is extremely frustrating. I complained to the Oregon Public Utility Commission and they told me there is nothing more they can do.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (WA)

I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately.
Consumer complaint received 2015-12-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Recovery Solutions, LLC (PA)

I had an apartment lease with XXXX ( XXXX XXXX XXXX ) and my lease was for 14 months. Throughout that lease I had been late a few times so the company decided not to renew my lease. They sent me a letter around XX/XX/XXXX/XX/XX/XXXX ( no longer have letter ) stating they were not going to renew my lease due to several late payments so I decided to move in XXXX XXXX. My lease expired on XXXX/XXXX/XXXX ; I moved out on XXXX/XXXX/XXXX which was the same day they served eviction papers for me to exit premises. Since I was unable to renew my lease with Villages of XXXX, I decided to not pay my rent for XX/XX/XXXX and move into another apartment. It didnt make sense to pay rent for XXXX apartments if I knew I was already moving out of XXXX. I needed the money to move into my new place and since they were not renewing my lease it was only right to find another place. So the day they served eviction papers, I was actually moving out of the apartment. They stated I had to write them a letter that I was leaving but I was unaware of that. My mother and I spent the whole night cleaning and movig out the apartment ; the leasing office stated I didnt clean the apartment which is not true. They took pictures of unvacuumed carpet and crumbs left in the stove and a hard water stain that was stuck in the tub ( which was there when I moved in ). I even brought that to maintenance attention when I first moved in plus it was a disgusting garbage smell from the sewer system. Maintenance stated that the stain was old and the smell was from the apartment sitting for some time. Now I have this eviction listed on my credit which is prohibiting me from finding housing. I moved because they stated they was not going to renew my lease so to make matters better for myself I decided to just go. Prior to me moving I received a letter from the leasing office XXXX XXXX stating that I owed them for XXXX XXXX rent that had been reversed. As an early XXXX gift, my rent was payed by a friend and I didnt know it had reversed until I received the letter. Now I owe for XXXX XXXX rent, cleaning fee, XXXX XXXX rent, and breaking lease. I dont understand why it took 2 1/2 months to see the reversed payment and I did clean the apartment but they say I did not. I would like some resolution to this please. I also have pictures of the apartment.
Consumer complaint received 2016-02-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (TN)

Beginning XXXX XXXX I was paying back a hospital bill from XXXX XXXX XXXX XXXX through their agency, XXXX XXXX OF XXXX XXXX, XXXX. 
Almost immediately after this began, I started getting notices from a different debt collector, WEST ASSET MANAGEMENT, claiming that I owed them the amount I was paying back. 
Despite forwarding them the documents to prove they had no right to attempt to collect this debt, WEST ASSET MANAGEMENT continued to send notices and demand payment. 
As of XXXX XXXX, WEST ASSET MANAGEMENT has changed their name to GLOBAL RECEIVABLES SOLUTIONS, INC. and their calls and letters have begun to arrive again, demanding that the debt I owe XXXX XXXX should be paid through them, and not XXXX XXXX, despite my account with XXXX XXXX being open since XXXX, up to date, and active. 
This has been an ongoing issue with this company since XXXX, I do not owe GLOBAL RECEIVABLES/WEST ASSET any money, I can prove I do not owe them any money, I actually have done so in the past numerous times, yet they continue to deny this fact and continue to harrass me into paying them the money I am paying a completely different company.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX Balanced {$39.00} XXXX XXXX XXXX Balanced {$1700.00} XXXX XXXX XXXX Balanced {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, GMAC as servicer filed a foreclosure complaint on my property. The alleged note did not contain any blank endorsement. GMAC went into bankruptcy, and the case was stayed for awhile. Later plaintiff was substituted for XXXX. The substitution was initiated by Ocwen Loan as servicer with the help of XXXX located in XXXX XXXX. 
Ocwen is illegally attempted to foreclose on a mortgage it knows it does not have standing to foreclose. The trial is scheduled for XX/XX/XXXX. Ocwen is once again engaging in questionable servicing practices.