davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have disputed several times and no results on a judgement that is listed on my report. They have constantly got back with after the allotted time of 30 days, with unverifiable information. I called the creditor and they said they took care of things on their part and the court said the Agency should delete due to there was no executed judgement.I dealt with the company.On my last inquiry they should have already deleted due to no responce in the several request.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX 2013 I received notice of a default judgement against me in court for a credit card debt ( I was never served ). In XXXX 2013 I paid a reduced amount and this was reported paid. A few months ago I began receiving calls and letters on this same account from Midland and requested verification of the debt. The only thing I got back was a letter telling me I had to provide proof it was paid. Since I paid by prepaid card over the phone the only proof I have is the settlement reported paid on my credit report. Four days ago I received a paper from a law office for Midland with a judgement from the court ( also never served ) to garnish my wages for this paid account. Midland is making my life XXXX and I do n't understand how they can resurrect accounts paid years ago and harass and threaten people.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC. (DC)

I maintain a checking account and a savings account at Ally Bank. I keep a XXXX balance in the checking account and instead exclusively use my checking account with another financial institution, but I do keep money in my savings account at Ally. Yesterday I erroneously charged a {$58.00} transaction to my Ally checking account through XXXX, which the bank processed along with a {$25.00} overdraft fee. 

I complained to Ally Bank that I had not opted into overdraft services, and that I would have preferred that they deny the transaction. They refunded my fee, but informed me that there was no way to opt out of overdraft coverage. With the increasing prevalence of online-authorized ACH payments for specific services, e.g. XXXX, it seems seems to me that Ally should offer an opportunity to opt out of such one-time transfers as required by Regulation E ( 12 CFR 1005.17 ( b ) ). Such transactions are more similar to one-time debit or ATM transactions than they are to reoccurring bill pay or check payments, and so I strongly feel they should be subject to the opt out requirement as well.
Consumer complaint received 2015-12-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

My mortgage was recently sold to PennyMac. PennyMac 's website does not interface well ( if at all ) with the Safari web browser resident on my iMac. There are XXXX Mac users and I am not the only customer with this problem. PennyMac acknowledges the issue, but it prevents me from making extra payments or finding out important info regarding amortization, etc. PennyMac has known about the problem since XXXX 2015 and " hopes to do something about it over the next year. '' If a company can not service the loan of a perfectly happy customer with their original lender, then what recourse does the customer have?
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

I am writing to express my concern about Scottrade Bank when my online account was hacked while I was XXXX. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after XXXX phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here XXXXI am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a XXXX review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, 2015XXXX : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. Experian Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by XXXX XXXX XXXX of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. I request an investigation for this re-inserted inaccurate account.
Consumer complaint received 2015-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

To whom it may concern, I recently refinanced my mortgage loan through XXXX XXXX, an affiliate of OCWEN Loan Servicing. When the loan matured in XX/XX/XXXX, I made my payment accordingly and sent the payment by check via mail. A few weeks later, i received a check in the amount of {$580.00}, which is less than my monthly mortgage payment. This check was titled " Escrow over payment '' and since i had just refinanced my loan, and essentially the old loan was paid off, this did not seem out of the ordinary to receive a check for any additional money that may have been in the account. 

As time went on, I received my monthly mortgage bill for XX/XX/XXXX, and the bill stated I had a past due amount that was never paid. So as any concerned homeowner would do, I got on the phone to try and figure out where the issue was. 

After a very short phone conversation with XXXX, ID # XXXX, he assured me this was a minor problem that stemmed from the new bill and my payment " crossing in the mail '', I was current in payment and a new mortgage bill would be sent out and there was nothing I should worry about. 

In the mean time, I was being reported to the credit bureaus as being delinquent for payment. 

A few days after speaking with XXXX my wife convinced me to call back and I reached and individual, XXXX, who realized there was a big problem. After a 2 hour phone dispute, it was determined that OCWEN has records of receiving my mortgage payment on XX/XX/2015, BUT HAD NEVER CREATED MY NEWLY REFINANCED MORTGAGE LOAN ACCOUNT UNTIL XX/XX/2015. So when i sent my payment in for the month on XX/XX/XXXX, it was rejected ( and split into XXXX sums-for whatever reason- ) and sent back to me under the title " Escrow Over Payment ''. 

I was reported to the credit bureaus for being delinquent for 38 days, and this now shows on my report!! 

When i was on the phone resolving this issue, I was told I needed to make a double payment at that time, so I would not be delinquent for ANOTHER consecutive month! 
I had to make these payments on XX/XX/XXXX, right before XXXX! 

On top of making a DOUBLE mortgage payment 2 weeks before XXXX FOR SOMETHING I WAS NOT AT FAULT FOR, I also now have a poor credit report following me around! 

OCWEN LOAN SERVICING NEEDS TO BE REVIEWED! 

XXXX XXXX XXXX, Ohio
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

Several months ago, my wife and I sent Equifax a letter requesting that they investigate several errors that appeared on our credit report, and respond to us via postal mail with the completed investigation. Despite numerous requests and follow-ups, we have received absolutely no response from Equifax. Literally 6 months have passed, and we have sent countless follow-up letters, but Equifax just wo n't respond.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

A few months ago, I took advantage of a 0 % for 18 months balance transfer offer from Bank of America ( BOA ) with a initial one-time balance transfer fee. I already had a roll-over balance ( for purchases ) on the card. I 've been paying well over the minimum payments monthly and my interest charges on the roll-over balance have not decreased. I called BOA to inquiry about why my interest charges were not decreasing and they informed me that all my payments were being applied to the balance transfer and not the roll-over balance. I thought I was paying toward the roll-over balance. This does not make sense because I performed the balance transfer so I would not have to pay off that balance for a period of time ( interest fee ). I asked if this could be adjusted and they responded " no. '' I would have to pay the entire roll-over balance in full and eliminate interest. I do n't think this is reasonable.
Consumer complaint received 2015-12-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My mortgage was sold to a new lender on XX/XX/2015. The new lender is Lakeview Loan Servicing, LLC c/o XXXX XXXX, XXXX. Located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. I called this company on XX/XX/2015 to verify the payment address so I could make my mortgage payment but was advised by a representative that the account was not in their system yet and was asked to callback in 1 week. I called the following week and was told by the representative that my mortgage payment had increased, when I questioned the increase the rep realized that the property tax escrow amount was higher. I gave the rep a breakdown of my mortgage payment with the previous lender and that gave me my monthly total of {$2100.00}. The new monthly payment now being billed is {$2300.00}. The rep opened an investigation to have the property tax escrow amount corrected after verifying with the states website. The rep told me to callback in XXXX to XXXX business days and then I could make my mortgage payment over the phone. I called back to follow up after the XXXX business days I was told this matter was still being investigated and the deadline was XX/XX/2015. I called back on XX/XX/XXXX ( 4th call ) and the issue was still not corrected. I requested to speak to a supervisor and was told one was not available, and the supervisor would call me back same day before XXXX. I never received a callback. My wife called again today XX/XX/XXXX and the rep XXXX agent ID # XXXX advised her that the matter has still not been resolved. My wife explained that this is unacceptable customer service and that we are trying to make the correct mortgage payment and nobody is doing anything to have this matter resolved. XXXX said she would transfer the call to the supervisor but then came back on the line and said a supervisor was not available but would have one call us back. My wife advised the rep that we were told this before and the supervisor never called us back. My wife also told the rep that she will be filing a complaint with the CFPB and is still waiting for a supervisor callback. My wife requested the name of the customer service manager and XXXX said her name is XXXX XXXX. We have been consistently trying to have this matter corrected so that we can pay our correct mortgage payment, but nobody in the mortgage company is willing to help.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (NY)

Hello, I am trying to repair my credit. I called XXXX XXXX. XXXX. Their phone number is XXXX, this is where I am being mislead and feel lied to. The recording states that you can pay by phone. I had changed my due date ( origional ) to the XXXX of the month. I received my first bill. I called to pay on XXXX/XXXX/15, thru my checking account. NOW I AM being told that there is a {$10.00} FEE to pay over the phone. They waived my first {$10.00} payment -- -I stated that the recording they play does not DEMAND ANY Mandatory FEE! Statement on phone says that you can pay {$10.00} -- IF YOU WANT your money 5 days earlier. I DO NOT!! I JUST WANTED TO PAY BY PHONE ON THE XXXX OF THE MONTH AND MY PAYMENT WOULD NOT BE LATE!!! OOOOOHHH NOOOO!!! XXXX states that if calling in by phone you will be charged {$10.00} even if you do not want your money available 5 days earlier. XXXX which I do not need ). 
I have asked to have my payment date changed back to its original date of XXXX or XXXX of the month. They will not change my payment date back -- -even though I EXPLAINED that their recording does NOT say MANDATORY {$10.00} charge to call in payments. I have closed my account due to the LIES and MISINFORMATION given initially -- -or I would not have accepted this card!! Their telephone number is XXXX, so that you may listen to recording -- -- LISTEN for mandatory payment of {$10.00}??? IT IS NOT THERE!!! They do not care ... I pay plus {$10.00} ... so my money is available 5 days earlier ... I do not want any money available 5 days earlier ... AND RECORDING DOES NOT STATE MANDATORY!!! Basically " too bad for you thats what it means. " -creditonebank-states! 
I am asking that you listen to the recording and check to see if you understand their recording and that you hear " MANDATORY '' ANYWHERE IN THAT MESSAGE??? I called them liars because that {$10.00} is NOT mandatory!! I also cancelled account because I DO NOT WANT TO TRY AND COPE WITH ANY LIARS!!! 
I feel they should write-off this account for the misinformation which started before I even received the card. I would NEVER have accepted this card if I had known they make up their own RULES as they go on. XXXX should XXXX BALANCE my account since it is all incorrect from the very BEGINNING!!! 
I have tried to change to later date but this is unacceptable to them and they will not change it back ... .continuing to tell me that the {$10.00} is a MANDATORY FEE!!! LIARS!!!!! Please listen to message and let me know how you feel?? I feel lied to and mislead, while my only intention is trying to improve my credit scores. -Customer service : XXXX. Misleading recording and information from agents ... .until trying to make my first payment -- IT IS A MANDATORY FEE!!! RECORDING SAYS NOOO SUCH THING!! 
I thank you in advance for any and all help you might be able to help me with this " mandatory '' problem!!!
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NV)

Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. There was never a written documentation specifiing this issued for what we strongly agreed that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase had errouslly and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts ' the borrowers are now looking for a settlement in regards to this loan. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.
Consumer complaint received 2015-11-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Closed my account with Scottrade Bank today because it 's been over a month and I never received a debit card. I called them a week ago, and they said I was supposed to request one. Request a debit card??? Why would n't that be automatic? Then they said it could take 3-5 days to get it ... wrong again ... Somebody is definitely asleep at the wheel. The brokerage could n't even contact their own banking representatives. What a joke
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC (OR)

I received my credit card statement, from Continental Finance on XXXX/XXXX/15 and noticed there was a late fee of {$35.00} applied to my account. I spoke to XXXX and I explained how there was a delay with my bank sending the payment. XXXX, the supervisor, waived the late fee for XX/XX/XXXX. My XX/XX/XXXX statement, shows another late fee of {$35.00}. I asked XXXX why there was another late fee, and she said because I did not pay the {$75.00} for XX/XX/XXXX. I told her, I paid the {$35.00} and the other {$35.00} was from the XX/XX/XXXX late fee that was waived. So they billed me a late fee, on top of a late fee that was waived. The XX/XX/XXXX bill, was paid on XXXX/XXXX/15, in the amount of {$35.00}. I sent in a dispute, explaining the issue, and received a letter back, stating the charges were correct, which they are not. Now, I get my XX/XX/XXXX bill, and it has another late fee of {$35.00} on top of the erroneous late fee for XX/XX/XXXX After the XX/XX/XXXX payment, I paid the XX/XX/XXXX payment on XX/XX/XXXX, and the XX/XX/XXXX payment was paid on XX/XX/XXXX. Continental Finance keeps charging me a late fee from the late fee for XXXX, in which I clearly do not owe. Please review the attached correspondence and supporting documentation and it is evident that I do not owe these XXXX late fees of {$35.00} for XX/XX/XXXX and XX/XX/XXXX.