davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastal Financial Solutions, LLC (TN)

A representative by the name of XXXX of Coastal Financial Solutions called my place of employment and voluntarily informed the person that answered they telephone that I was being contacted for a legal matter concerning a return check. She left a number to return they call and when I called back she yelled at me about paying back a loan that I know nothing about. I could barely understand what she was saying as XXXX was not her first language, so she hung up and stated she would see me in court. This is the XXXX organization at has called me about a similar situation and it is always the incorrect information. The reason for my compliant is this person failed to follow proper steps in attempting to contact someone about a debt. I have not received anything from this company via email or telephone validating this debt. For this individual to share information with my employees of this nature impacts my intergrity amd has now caused a issue at my job with Human Resources. When I called to ask for the President of the Company, I spoke with a male that stated his name was XXXX XXXX. I will be filing this same compliant with the Attorney General and Frderal Trade Commission as well. The actions mentioned above by XXXX is illegal and should be handled accordingly. I have the electronic copy of the communication from my employee concerning this message as she was also stunned by the persistence of this representative. I have never competed anything illegal in my life and refuse to allow something of the magnitude impact my position or credit files. I wanted to make sure that this story was posted for all to see as I continue to take the neccessary steps to ensure organizations like the XXXX mentioned above does not get away with this kind of misconduct. ( I would like to add that although I selected " Talked to a XXXX party about MY debt '' ... I am not admitting that this debt belongs to me. It was the closest category listed to describe my situation.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

XX/XX/XXXX my wife applied for an XXXX XXXX card through XXXX. Instead of assigning her name to the card, XXXX XXXX assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in 3 ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had XXXX not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as XXXX is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

N/A account # XXXX This is inaccurate report and needs to be removed. I 've had health insurance since 2002. I pay my Co-pays/deductibles before receiving services. If they are owed additionally they did not provide me an original bill and did not provide me an opportunity to pay it however, I do n't believe I owe them anything then. I do n't know who this is or what this bill is for. Please provide proof of what I owed you, what the service provided date, and what the service provided was. This needs to be removed from my report!
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (HI)

On XX/XX/XXXX I had a missed call with from XXXX. I returned the call and a man that identified himself as XXXX at ext XXXX questioned my name, and birthdate. I verified that his information was correct. He went on to ask if I ever had a XXXX account, and I said no. He said that a loan was taken out from XXXX in my name for {$1700.00} and the money ( apparently ) was put into XXXX account. Caller stated his company purchased this account from the Delaware bank. I told him to send me something in writing for me to further review. As it turns out from a little research, the Delaware bank he claims to have bought this from has been defunct for years. FDIC pulled out XX/XX/XXXX or earlier. The whole thing sounds like a scam to me.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Consumer complaint received 2015-05-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing
Consumer complaint received 2015-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Loan # XXXX Bank of America stated in the deed in lieu foreclosure agreement on XX/XX/XXXX that if I complied with all my responsibilities under the terms and conditions of the deed in lieu agreement I would receive {$2000.00} to assist with moving, rental and relocation expenses with 10 business days after Bank of America received the signed transfer of title. I complied with the move out agreement and moved out of XXXX XXXX XXXX XXXX, OH XXXX on XXXX XXXX. Bank of America verified that the property was vacant on XX/XX/XXXX and that the condition of the property was clean swept. I never received {$2000.00} or any assistance from Bank of America even after many phone calls and letters. The title was finally transferred to HUD on XX/XX/XXXX.
Consumer complaint received 2015-04-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

My husband and I purchased a home in XXXX, we both signed VA loan with XXXX XXXX XXXX. Several years later my husband took out home equity line of credit for XXXX. I did not sign this loan it is in his name alone. I did however sign the lein to our property. In XXXX, my husband died due to XXXX XXXX Exposure in the XXXX XXXX. He left no assets and his estate was probated, leaving the home solely in my name. I contacted XXXX XXXX XXXX and the loan was behind due to medical expenses. XXXX XXXX XXXX did a loan modification for me on the orriginal loan. I am not sure I should have had to pay fees for that loan but I did. When I contacted Wells Fargo, they would not give me any information on the loan, would not eeven give me the terms because my name was not on the loan. They even locked me out of the online account services. I asked if I occuld assume the loan, and they said they could not dicuss the loan with me. They did say that I was not responsible to pay the loan as my name was not on it, but since I signed the lein if it wasnt paid they could forclose. So continued to pay through my bank 100 dollars every month ( the amount due monthly was XXXX ). I still had no idea what the terms of the loan were. A few months ago a statement made it through to my house. This is when I learned this was an intrest only loan with a balloon payment due in XXXX XXXX. I called Wells Fargo and at this point they now said I was elligiable to refinance. Why not three years ago? I dont know, I paid three more years of nothing. The original amount was XXXX I now owe XXXX. I cant get a strait answer out of Wells Fargo and now after fighting scrimping and saving to keep my family home for myself and XXXX children, I risk loosing it even though I have paid XXXX toward the loan over the life of the loan. The last three years without my knowledge that none of it was going toward the principle. Now they are trying to get me to go into a work out??? why I have never been late? They keep sending me hardship paperwork to fill out. My attorney says I am not liable for the loan and shouldnt have had to keep the terms for the last 3 1/2 years. So now a widow of a XXXX XXXX at risk of loosing the family home because of a financial institution taking advantage of consumers
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It was brought to my attention that my credit report contains items went into collections that I did not know about when I applied for a credit card with my bank. The credit report was obtained from Transunion and I have subsequently obtained a copy from them. The credit report that matches my SIN turned out had a lot of mix-ups including : - name : the name does not match- address : address does not match. All the address in the history is in XXXX and I have never lived there. 
- employment history : none of the employment history is mine- items went into collections : not mine- credit card : not all of the credit card history is mineI phoned and disputed with Transunion and did not receive any confirmation. Here are the few things I want : - correct my credit report and credit score. I was denied credit because of this mix-up. 
- explain how the mix-up happened- take actions as a company to improve processes so no one else need to go through this again and we consumers can trust that credit information is protected.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was at the airport and was approached by a XXXX Airlines representative who offered me a free club to earn airline points. He never mentioned a credit card application, credit card fees, or, in fact, the words " credit card '' at all. He asked several questions which I unfortunately answered. After answering several questions, I began to suspect that I was unknowingly applying for a credit card, so I stopped answering questions and said I did not want to apply for the card. He agreed to cancel the application and I thought he had, until XXXX weeks later when I received a credit card. 

I cancelled the card through Bank of America ( not the problem company ). When I cancelled the card, the Bank of America representative told me that the credit card has an annual fee. The fee was not disclosed by XXXX. She suggested that I call XXXX to complain. 

After calling XXXX and navigating a menu clearly designed to prevent contact with a person, I eventually reached soneone who told me I could n't talk to a manager because I had to complain with the airport staff. When I objected to this, I was told that I could submit a complaint through their website. When I asked if I would get a response to the complaint, I was told that I would get a website-generated confirmation that my complaint had been submitted, but I could not get an answer when I tried to find out if I would get a response from an actual person who had read the complaint. 

XXXX processed an application for credit in my name without my consent then did not allow me to speak with anyone to complain or to try to resolve the problem. I do not know if they are going to charge me the annual fee for the credit card for which I did not apply.
Consumer complaint received 2016-01-06
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (AL)

Ocwen starts calling after the first of the month, prior to my payment due date, and do not stop until the payment is processed. I have my payment on auto pay from my bank. They said the calls are mandatory because, their " investors '' have deemed it so. I was given the option, that if I allowed them to draft the payment directly from my bank account through their website, the calls would stop. If this is " technically '' legal, I think that it is barely so.
Consumer complaint received 2015-07-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc (FL)

I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

Due to a financial hardship when I purchased and had installed a new furnace I requested a loan modification in XXXX XXXX through XXXX ( XXXX ) with IndyMac Mortgage Company. IndyMac requested from me the same documention and information over and over again, with no resolution as of XXXX XXXX. Due to the financial hardship my mortgage was behind by XXXX payments. Upon sending my XXXX payment which was late the payment was returned. The lender was not working with me, would not accept my payments and by XXXX XXXX I received foreclosure documentation to be effective XXXX XXXX, XXXX. One week prior to foreclosure I received a XXXX alternative trial loan modification with IndyMac in XXXX XXXX on an original loan balance of {$72000.00} with a monthly payment of {$700.00}. The trial loan modification required that I paid {$500.00} for XXXX to XXXX and a permanent modification would be granted if I was in full compliance. A full modification was granted in XXXX XXXX with an unpaid principal balance now of {$77000.00}. There was an escrow shortage in the amount of {$1100.00} with the monthly payment of this shortage to be paid over a five-year ( 60 months ) period. This monthly payment has been already included in the monthly escrow payment. Review of OCWEN 's Annual Escrow Account Disclosure Statement Account History now reflects a NewLoan Setup Fee and which there should be no modification fee. This is not a new loan and assignment or transfer of this loan from the previous servicer, IndyMac to Ocwen effective XXXX XXXX, XXXX does not warrant the fee assessed to this loan. My escrow is to be used for taxes and insurance and this servicer by federal lending guidelines are now violating fair lending laws and are exhibiting predatory violations. Communication with OCWEN has been tedious and frustrating because I initially responded in XXXX and their response in XXXX XXXX is as follows. Please be advised that the servicing of the loan was relocated from XXXX Ocwen servicing location to another on XXXX XXXX, XXXX, with a negative escrow balance of {$790.00}. OCWEN caused the negative escrow balance when charged the NewLoan Setup Fee. This is not a new loan and relocation from XXXX Ocwen servicing location to another is an OCWEN charge not a charge to the consumer or customer. This act is predatory and the loan modification clearly states that the escrow shortage on this loan is included in my current payment. Additionally, my mortgage payment changed, in XXXX, it was {$500.00} and in XXXX it went down to {$490.00}. OCWEN 's attempt to assess 18 months later an unauthorized charge to my escrow that only allows for taxes and insurance is a predatory act and blatant violation of Fair Housing, Fair Lending and Mortgage Servicing Laws and is illegal. In summary the prior Loan Servicer, IndyMac Mortgage Services verified that this is a loan transfer effective XXXX/XXXX/XXXX and transfer of the servicing of this loan does not affect any term or condition of the mortgage contract.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I finally ( after 1 year! ) got a reasonable loan modification from Ocwen -- I thought. After being verbally told that my loan went through ( in XXXX ), I still have not received final loan docs. The problem, I assume, lies within the escrow payment. I have paid my own taxes and insurance since I 've owned my home. Yet, Ocwen has been escrowing my account at ~ $ XXXX/month since XXXX XXXX. 
I 've sent in proof of insurance to Ocwen no less than XXXX times ( since XXXX XXXX ). They put lender-purchased insurance on my account as of XXXX XXXX. I have sent in proof of XXXX and XXXX insurance since XXXX XXXX, speaking with an agent on the average of once every two weeks, with no movement on their part. As of XXXX, I finally stayed on the phone FOR XXXX HOURS while they bounced me from department to department, for me to understand that what one department saw on their computer was not being seen on the escrow department 's computer. Ocwen is always telling me that " they 're researching it '', but this agent acknowledged receipt of the document, called my insurance to verify XXXX insurance, then promised me the file would be updated. He then sent the problem to an escalation manager, who was to call me back to verify the transaction. Well, here it is two months later, and this placement of insurance has messed up the escrow account, made it seem as if I 'm behind in payments, and is driving my credit rating down. 
Additionally, I have always paid my own taxes, yet, I 'm being escrowed for this. Upon loan modification, an Ocwen agent insisted that my account would need to be escrowed for the taxes. After receiving notice from the County Assessor ( in XXXX ) that my payment was past due, I contacted Ocwen re paying the taxes. XXXX XXXX is the first time they have paid taxes on my behalf. Where has all this escrowed money gone ( since XXXX XXXX )?! At their request, I 've sent in proof of tax payment for the last XXXX bi-annual payments ( XXXX XXXX and XX/XX/XXXX ). They have sent me no proof, even though XXXX agent maintained they paid in XXXX XXXX also. The County Assessor has no record of their payment. 
So essentially, they have MORE THAN ENOUGH proof of my tax payments and insurance, yet my account has been escrowed since XXXX XXXX. Ocwen has only recently purchased home insurance ( which I already had ) and paid taxes once ( at my reminding ). Thus, WHERE IS THE MONEY I AM OWED?! Why can some of their agents see proof of the aforementioned, yet it never shows up on the computers which would set my account in order?
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings (CA)

Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (IN)

I made a mortgage payment to M & T bank on XXXX/XXXX/15 on their online website. On the same day, I made another payment for our escrow shortgage on their online website. I received a confirmation number for XXXX transactions and made printouts of the same. Now I am told I am behind a mortgage payment because I made XXXX payments on the same day so it cancelled out XXXX! The funds were in my account on the day I paid it, I have the confirmation of it and I do n't feel I should now have to pay it. There is NOWHERE on their site that it mentions not being able to make more than XXXX payment a day! What can I do?
Consumer complaint received 2016-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

The complaint is against my mortgage company servicer. They sent an annual Escrow Analysis with incorrect amounts they claim will raise my monthly mortgage payment. The incorrect amount XXXX GA property tax of {$190.00} that my property is exempt from. My mortgage servicer Ocwen has documents in their tax files noting that this property is exempt from the XXXX, GA city taxes. Yet, Ocwen withdrew the XXXX from my escrow account causing a projected shortage, and Ocwen has increased my XXXX, 2016 mortgage payment to {$740.00}. If Ocwen would correct their records, my monthly payment should remain at {$710.00}.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NY)

A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX Bank Account ending XXXX is showing past due for XXXX 2015. 
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX and XXXX 2015I have been paying these monthly through XXXX ( XXXX ).
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I received a letter from USAA indicating that my credit cards are being closed due to 'unacceptable behavior or activity '. I called USAA and they will not explain the behavior or activity that was 'unacceptable ' to them, nor will they reconsider opening the accounts. This is significantly detrimental to my credit history as this was XXXX of the XXXX credit cards I opened over 10 years ago.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NV)

This company " Dynamic Recovery Sollutions, LLC '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.