davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

This is reference case # XXXX. I did n't know how to amend the complaint with additional information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned their Mortgage to Bay View Loan Servicing, LLc, and it was recorded. 
Bay View Loan Servicing LLC. assigned the Mortgage to XXXX XXXX XXXX XXXX. 

The assignment was not recorded with the register of deeds. XXXX XXXX closed our acct. as their lien was extinguished. However when a title search is conducted, Bay View shows up as a lien holder on the property. We can not get a loan or sell the property with this showing up on the title search. 
Please, how do we rectify this? The Lien is Extinguished.
Consumer complaint received 2016-12-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Northwood Asset Management Group (CA)

I had taken out a payday loan of {$5000.00} on XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX Emergency Relief Program for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called Northwood Asset Management Company. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ETHOS LENDING LLC (CA)

We have completed refinancing with Ethos Lending and made our first mortgage payment ( {$3000.00} ) to Ethos Lending on XXXX/XXXX/2016, prior to the due date on XXXX/XXXX/2016. After making our first payment on XXXX/XXXX/2016, we received a letter saying the loan has been transferred to a new lender, XXXX XXXX XXXX, and we should make the payment directly to XXXX XXXX XXXX for the mortgage payment that is due on XXXX/XXXX/2016. However, we already made the payment to Ethos Lending on XXXX/XXXX/2016. Obviously, the new owner of our loan failed to notify us within 30 days of the effective date of transfer. Between XXXX/XXXX/2016 and today XXXX/XXXX/2016, XXXX XXXX XXXX keeps calling me via my personal phone and work phone and asks for payment many times, despite I told them repeatedly that I already made the payment to Ethos Lending on XXXX/XXXX/2016. Yet, Ethos Lending keeps delaying my payment to XXXX XXXX XXXX, despite Ethos Lending previously agreed in its e-mail to forward my payment prior to XXXX/XXXX/2016. XXXX XXXX XXXX continues to make harassing phone calls and severely bothers my daily lives. On XXXX/XXXX/2016, I arranged a conference call between myself, XXXX XXXX XXXX, and Ethos Lending. During the phone conference, XXXX XXXX agreed to forward the payment by XXXX/XXXX/2016, and XXXX XXXX XXXX agreed not to make harassing phone calls to me. However, after the conference call, I continue to receive phone calls from XXXX XXXX XXXX about the late payment. Those phone calls stressed me out. XXXX XXXX XXXX threatens me about how my late payment will affect my credit, and they told me I should keep pushing Ethos Lending to forward the payment. 

Beginning XXXX/XXXX/2016, my loan will once again transfer from XXXX XXXX XXXX to XXXX XXXX. My initial payment of {$3000.00} does not reflect on XXXX XXXX statement. XXXX XXXX XXXX continues to call me about the late payment. Ethos Lending does not pick up or return my calls. What can I do? Please help.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Currently, Ocwen wants me to start the modification process all over. Ocwen has lost or misplaced my paperwork multiple times. I have answered every call, attended every appointment but when it come time to submit paperwork something happens. Recently they approved my modification. I completed all of the trail payments, submitted all of the paperwork even after the XXXX set was destroyed by rain. Then on XXXX XXXX they denied my paperwork after assuring me that they have my file and I only needed to correct XXXX slight issue. I returned their paperwork before their due date and they have since started foreclosure precedings on my home. Even though they send me an agreement saying to return the corrected paperwork by the XXXX and the loan is still modified. Multiple phone calls have only lead to their reps saying everything is ok yet they continue to send denial letters and foreclosure paperwork.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I visited the American Express Website ( www.card.americanexpress.com ) on XX/XX/2016 and did a pre-qualification to determine the best card for my balance transfer needs. My results indicated XXXX cards, The Blue Cash Everyday, The Premier Rewards Gold Card and the Every Day Card. The website indicated 0 % APR for 12 months and a {$100.00} reward after spending {$1000.00} within the first 3 months for the Blue Cash Everyday Card. Based on this information, I did a Balance Transfer from my XXXX Card which at the time had an APR of 12.99 % to my new Amex Blue Cash Everyday Card. First Statement dated XX/XX/2016 I was charged interest, I called customer service on XX/XX/2016 to put in an investigation. The first representative that I spoke to indicated that it might have been a system glitch. The second representative I spoke to a week later indicated I needed to enter a promotion code during the application process and as a result of me not entering a promotion code I would have to reapply using a promotion code for the same card. I replied that there was no mention of a promotion code at the time of my application and also proceeded with a 'mock application ' using my mobile phone during the call, got all the way to end of the application without submitting and again, explained that there was no mention or request for a promotion code for the advertised promotional Introductory offer. I called several times requesting updates. On XX/XX/XXXX during one of my followup calls, I was told by the representative that " offers are advertised but not every one qualifies, it depends on ones credit report ''. At which point I responded that my credit report satisfied the lending requirements hence the approval of the credit card. The representative went on further to say " yes, you were approved to have the card but not the introductory offer after review of your credit report ''. After almost two months, a dozen phone calls and conversations with numerous representatives within the Customer Service Department, on XX/XX/2016 I was informed that the investigation has been closed and the introductory offer was not applied to my application because after review of my credit report, I do not qualify for the introductory offer for which I applied. I was however approved at an APR of almost 24 %. This was not indicated in the Disclosures/Credit Card Agreements on the website, which I took the time to read prior to submitting the application. This is clearly a violation of Regulation B, Equal Credit Opportunity Act and I truly believe that I have been a victim of discrimination with regards to the evaluation of my credit application. The advertising and marketing information listed on the website was unfair, misleading and extremely deceptive.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Experian is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Myself and my husband are charged bank fees, the bank will not reverse charges. We have been able to deposit funds that same day to cover charges / checks that went through. My husband was charged XXXX fees this month on his account, he had always made deposits that same day to prevent fees, now the associates say that was never their policy, after being on the phone for XXXX30 minutes at a time, the associate was very disrespectful and had noknowlddge of his employer
Consumer complaint received 2017-01-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Well, Ive never received ANY communication prior from ACE regarding trying to contact me about my debt to them. Then I got a phone call from XXXX with my full name on the voicemail and mentioned that a company was trying to contact me to file a summons and a ticket in XXXX, but I have no tickets in XXXX XXXX and then referred me to XXXX and provided their phone # to contact them for mediation option. I contacted them and confirmed they are a company ACE hired to try and settle outside of court to offer an out of court settlement of {$800.00} dollars but only offered to pay in full or split into XXXX payments which financially is unreasonable for me to do. They mentioned the company would then take me to court for check fraud, but I did not do check fraud. I simple had unexpected expenses come up and was unable to pay the debt back and yes I had to close my bank account because they would keep drafting me which I could not afford to have happen or my rent would not be paid. I would be willing to work a small payment monthly back to take care of this but they wont do that. The XXXX rep also mentioned they can file judgement against me which can affect my car loan I pay monthly on. I can not afford to have issues with that considering my father has signed on my car loan and to my knowledge ive never heard of a company being able to do that for collections. I feel this is harassment considering Ive never got anything in writing prior to this and I do n't feel its right.
Consumer complaint received 2016-11-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

My bother passed away on XX/XX/2016. He had a home equity loan on the old family home with Beneficial XXXX. He owed them a little over {$40000.00}. I was named the executrix of his estate. I knew he had a life insurance policy on this loan, but was n't sure how much or what it involved. When I called to tell them about his death, I asked about it. Of course they could n't give me any information. So I faxed them the death certificate and the short form. I did n't hear from them on any resolution to the situation. I had an estate attorney try to get somewhere, because the house is in limbo and they keep adding late charges. The estate attorney after numerous communications and requests for information finally found out that there was a {$60000.00} life insurance on the loan, which is more than sufficient to pay off the loan. I signed the beneficiary forms and they were sent to wherever they had to go. Now I am receiving foreclosure letters ( both registered letters and regular mail ). I am beginning to feel harassed. Plus the late charges now have the loan up to almost {$45000.00}. I really want this matter settled. If anything they owe me {$15000.00} from the life insurance. What can I do?
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Michael J. Scott, PC (TX)

In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by Scott & Associates @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is 19 years old and my property has been threatened for possession and or XXXX for this alleged debt.
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX and I used to have a checking account, money market account and mortgage with Bank of America ( via Countrywide ). Bank of America, now referenced as BOA, screwed me over with regards to my modification and then sold my loan to some 'off the wall ' trust. The real reason for this complaint was that I sent about XXXX letters requesting that the checking and money market accounts be closed immediately since the year of XX/XX/2014 -- probably more! My lawyer at the time also sent a letter and of course they state they never got it even though the executive office confirmed receipt. They keep sending me statements which I nicely mark 'RETURN TO SENDER ' because my checking account had only a {$.00} balance in which I told them to send to me if they chose to -- I do not want anything else from these crooks! It is a waste of their resources to continue to pester someone who earn/will earn them XXXX profit! I do want any correspondence -- NOTHING! I should not have to send in anymore letters requesting closure especially the way they treated me with regard to my injury and my past mortgage! I am done!!! Please assist me and tell BOA to stop bothering me. Post my name -- I do not care. I want as many people as possible to know how this scheisty 'financial organization ' can be to innocent citizens.
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX I went back to school to get my XXXX degree from the University XXXX. I took out {$35000.00} in astudent loan from XXXX XXXX and {$5000.00} as a Stafford loan. I started paying the loan back in XX/XX/XXXX after I graduated. Over the last 16 years I have never missed a payment - made at least the required payment each month - Often more that the required payment. For the first 8-10 years the payments went to XXXX XXXX then the loan was transferred to XXXX and three years ago it was transferred to Navient. After 16 years of paying an average of $ XXXX/month on a loan at 8.25 % I have paid over {$67000.00} and yet the statement I just received says I still owe over {$21000.00} on the personal loan and {$3300.00} on the Stafford. I do not see how this is possible.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MO)

Equifax deleted Bankruptcy filed on XXXX Between XXXX XXXX and XXXX XXXX, XXXX and then reinserted it without notifying me. It is my understanding that I am to be notified before any debt is reinserted on my credit report. Equifax also re-inserted a Judgment from XXXX without notification.
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CO)

I am requesting a copy of the letter from Amex, sent around XXXX XXXX, that offered its sincere apologies about the confusion of the payment I 'd made to account XXXX on XXXX XXXX, XXXX. 

This letter described -- in detail -- the disposition of an overpayment of over {$300.00} from the account I held in XXXX XXXX. A portion of this overpay- ment from the credit account I 'd had in XXXX XXXX was apparently applied to my account XXXX. 

And actually, according to my records from the credit report I checked in XXXX XXXX, the overpayment was a little more than {$770.00}. I am going to work with my local bank to retrieve those records from the actual credit report. 

I am requesting a copy of this letter to sort out exactly, if anything, I owe to American Express. 

I only have a credit card for account XXXX. I have never received a credit card for this " new account '' of XXXX. I would appreciate it if Amex would stop assigning new account numbers to the ones actually involved in this situation because it just confuses the situation. 

I would appreciate more sincere cooperation from American Express regarding this mess that they had a major part in creating. I did not request a refund from the credit account I had in XXXX XXXX. I requested a copy of the letter describing the disposition of the funds from that XXXX XXXX account. This letter was sent to me around XXXX XXXX, and also contained profuse apologies for the confusion about what accounts were overdue and how the XXXX/XXXX/XXXX payment had been lost. 

I need a copy of that letter. Please send it to me.
Consumer complaint received 2016-12-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc. (IL)

This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around.
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (AZ)

Since XXXX was canceled XXXX XXXX XXXX by XXXX, GA XXXX. XXXX XXXX XXXX company ; for most XXXX XXXX, continues to charge my American Express Credit Account with American Express ( AMEX ) permission. American Express has ignored & declined my requests to stop XXXX XXXX deduction from my account. $ XXXX Monthly Deductions starting XXXX XXXX XXXX, were increased to {$10.00} Monthly deductions starting on XXXX XXXX XXXX ( without authorization ). 
AMEX Account was charged {$29.00} for XXXX Transfer Fee denied by the XXXX, AZ location, anct of FRAUD by XXXX XXXX. As of XXXX XXXX to XXXX XXXX XXXX has charged my AMEX account {$270.00} with American Express Permission, ignoring & denying my request to stop XXXX XXXX Deductions from AMEX account. XXXX XXXX Payment is coming. 
AMEX no longer allows Customer to file complaints on the AMEX website ( due numerous complaints being filed against AMEX )
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I have repeatedly asked Navient to provide me with printed payment history, as the company has not permitted me to make lump sum payments to principal. I have yet to see my statements. Any large payments I have made have been placed as future dated payments allowing the company to collect additional interest, rather than applying the payments to principal. 

All of the below mentioned have impacted me : Trouble with how payments are handled Do n't agree with fees charged Received bad information about my loan Need information about my balance/terms Keep getting calls about my loan Having problems with customer service I went to two schools and borrowed on both : XXXX and XXXX University
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (OR)

On XXXX XXXX 2016, my student loan vendor changed from XXXX to ESCI Heartland. 

While the account transfer was taking place, I was under the impression that no fees or penalties would be assessed. I was able to enrolll in autopay starting in XXXX 2016. 

However, to pay my monthly payment of {$120.00} I was assessed an XXXX cent fee. Seeing as I do not have a choice but to make a one time payment for XXXX, the fee seems trivial and a way to ris