davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (SC)

This is a continuation of my previous complaint # XXXX. I 'm still requesting that my name be changed to my correct and legal name on my deed initiated by New Penn Financial XXXX XXXX XXXX. All of their supporting identification, which includes my driver 's license and marriage license, states that my name is XXXX XXXX XXXX not XXXX XXXX XXXX, as was reported. They promised to make this correction and never did. There has never been nor will there be any driver 's license, social security card, or other means of identification stating that my name changed at any point.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XXXX XXXX XXXX Bank of America provided an Escrow Analysis Statement that showed I had a shortage of {$820.00}. On XXXX XXXX I went into the Branch and paid the Escrow shortage in full, which then reduced my payment by {$46.00} a month. On XXXX XXXX, BOA produced another Escrow analysis Statement showing an increase in Escrow payments and an Increase in mortgage payments. In XXXX I was a victim of Mortgage Servicing FRAUD by Bank of America due to BOA Increasing my escrows by {$2000.00} a month for Property Taxes " I did not owe '' ( as confirmed by the Independent Foreclosure Review ) on this very same mortgage. It appears their pattern of inaccurate Escrow Analysis and Payment changes have begun all over again!!!!
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP ()

Ref Case number : XXXX Again unfortunately, the representative of US Bank did not address my complaint accurately and did not explain why the loan officer or the loan processor communicated for the additional information and clarification they need. I received only two calls and most of the time I was chasing US Bank asking if they need additional information or clarifications regarding this loan. 
In addition, I asked to close my checking account ; I deposited {$25.00} per the loan officer recommendation. Why I am receiving back only {$5.00}? see attached file As I mentioned in my previous complaint as a buyer, I can not recover from this failed transaction. 
the seller put this special house right back on the market and immediately was sold.
Consumer complaint received 2016-06-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Arcadia Holdings, LLC (MA)

A few years ago someone was using my social security number for their own advantage. I contacted the IRS and made them aware of the situation. I lived in XXXX, MA for the past 15 years and I also work there. I file my taxes every year and I use a pin number assigned to me by the IRS. I checked my credit report and someone went to a hospital in XXXX and got a bill for {$1700.00}. That person is using mu identity. I have XXXX XXXX XXXX XXXX of Massachusetts. That collection is ruining my credit, after I worked so hard to clear my name and credit.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

My original payment was set at {$50.00} around XX/XX/XXXX. I called to get my limit raised to {$190.00} since I can afford more to autopay each month. Each month only {$0.00} comes out. I 've called since this first happened in XX/XX/XXXX and Navient said the next payment should be {$190.00}, but that has yet to happen. I 've ended up paying more interest than I would have if I my autopay could actually take the correct about of money out.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

I had trouble getting employment and ran behind in paying my mortgage. 
I contacted my mortgage company Wells Fargo to try to qualify for a modification. 
Their response has been slow, incompetent and after many hours they still are asking me for additional information I have provided many, many times to them.
Consumer complaint received 2016-04-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ND)

Ocwen failed to pay my homeowner 's insurance on time for the 2nd year in a row. 
The employees of Ocwen could not figure out which address to mail the payment to, and chose to send the payment to the " Automotive '' address. The company sent them a warning letter saying the insurance was lapsed and asking for the payment. According to the agent here in town, Ocwen called him between 5 and 9 times today trying to figure out where to send the payment to. The Automotive branch of my insurance company sent a check to my home for the payment they were sent, so I now have the funds meant to pay my lapsed insurance on hand, but have not HAD insurance because Ocwen waited until the last minute to pay it and it lapsed already. 
If Ocwen expects consumers to PAY them on time, then surely they can PAY the required bills out of the escrow funds reserved on time as well, so that I, as a home owner, do not have to chase around trying to reinstate my insurance due to NO fault of my own.
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XXXX XXXX, I went online and cancelled the {$25.00} automatic monthly scheduled transfer from my BOA checking to savings account, but the bank made a mistake and started the transfer back up on XXXX XXXX, XXXX, without my authorization, charged me a {$35.00} overdraft fee because I did n't have {$25.00} to transfer in the first place, and left me with a negative - {$60.00} balance in my checking account. What kind of program do they have anyway that allows somebody to transfer negative checking account funds to a savings account to incur an overdraft fee on the checking account??? When I called today to complain about the transfer and fee, I asked when I supposedly reauthorized a transfer ( which I did n't ) and they could n't tell me the date, but said I was sent a low balance alert, which means nothing because I knew the balance was low anyway and I do n't have to maintain a minimum balance to avoid the monthly maintenance fee. Please make them put the {$35.00} they took from me back in my account because what they did was wrong. I am a XXXX on a very tight budget and it 's not fair that they are taking my money like this. I had to get a loan from my mom to cover the overdrawn checking account balance until this is resolved. You have my permission talk to her about this.
Consumer complaint received 2017-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IN)

This is a REOPEN - XXXX XXXX XXXXg has placed this account right back on my credit report as the entire {$1600.00} as still owed as of XX/XX/XXXX. I am requested again that XXXX XXXX update the records and also- delete their tradelines from my credit reports. The collection and reporting practices are illegal. 

My Complaint is against XXXX XXXX XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX Credit card Services, who then sold the debt to XXXX XXXX XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XX/XX/XXXX. XXXX XXXX XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.
Consumer complaint received 2016-04-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Per my divorce agreement, my former spouse was responsible for all debt including the mortgage. I gave him the quickclaim deed like I was required to do. Instead of putting the mortage in his name as required by our paperwork, he filed for bankruptcy. The mortgage company included me in on the bankruptcy and negatively reported me to the credit bureaus. I feel this is unfair. I did not file for bankruptcy, sign as bankruptcy paperwork and when I called the mortage company to explain the situation, I was told there was nothing I could do about it. I spoke with a lawyer and he informed me that Federal Law trumps Family Law, so I could only hope the bank did n't come after me for his debt even though he was responsible for paying that debt. The result was the Mortage Company discharge the loan and negatively reported me. My credit score dipped down to XXXX after this happened. I have worked very hard to bring my score up. I feel since I can prove through my divorce papers that my ex was responsible for payment of the loan, the incorrect information should be retracted from my credit report. Why is there no protection for the spouse who does what is lawfully required of her, but the other spouse can max out every card, buy a new truck and then just quit paying his home loan and get away with it? I pay the price of not being able to buy my own house, a car, and/or secure a higher paying job because my low credit score dings on a background check for employment?
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a CitiGold Checking Account with Citi Bank and was enrolled in a promotion to earn XXXX XXXX XXXX miles after a specific set of requirements was met. This was in XX/XX/XXXX I believe. I fulfilled the requirements for the bonus in XX/XX/XXXX and, after I contacted Citi, was informed that I had indeed earned the XXXX bonus miles and they would be credited to my account within 90 days. Now, it has been over XXXX days and I still have not received the miles. I have talked to several representatives at Citi and none were able to resolve my issue. It now appears from they way they are handling the situation that they are not going to issue me the miles at all.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I 'm a victim of identity theft. I have fraud alert on all my XXXX credit bureaus. I disputed all the fraudulent and inaccurate informations. ( 1 ) Transunion credit bureau been giving me hard time and keep reported fraudulent account which are unauthorized inquiries XXXX on XXXX/XXXX/2016 and XXXX/XXXX/2016. XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. By spending money on certified mail and wasting my time and energy on contacting all the creditors they all agreed after their investigations that all these unauthorized inquiries were fraudulent inquiries to removed from all my XXXX files with documents. Finally Transunion removed these fraudulent inquiries from my file but suddenly reported back in my file on XXXX/XXXX/2016. I called the Transunion agency today XXXX/XXXX/2016 on XXXX EST and I was on hold for more than XXXX minutes before I get disconnected but I called back and someone answer and transfers me to fraud department which they are out of the country in XXXX he was so nasty and non informative and I could n't understand what he was saying. ( 2 ) Transunion insists to report inaccurate information about the account # XXXX XXXX XXXX XXXX for {$520.00} even after I contacted the hospital XXXX/XXXX/2016 and they agreed it was an error and was their mistake and they removed it on XXXX/XXXX/2016. ( 3 ) Transunion still reporting fraudulent account # XXXX XXXX for {$190.00} ( 4 ) Transunion still reporting inaccurate information about account # XXXX. 
Generally Transunion gave and still giving me hard time and caused lots of trouble to my family and I. Transunion doses not care and the employees do n't do the right work. I been dealing with them for the last XXXX month and I spend lots of money to get the fraudulent accounts and inquiries deleted from my files. Transunion agency is not helpful and their customer services are the worst ever. They wast my time, my energy, and my money but I wo n't never give up and I will continue to fight to get everything straighten even if I have to take the to the court. By the way this is the second complaint against Transunion with CFPB
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

After XXXX letters mailed to Transunion via certified mail they have not corrected the information that is being reported. Transunion has had well over 90 days and several letters containing correct information and they have not done any investigating or reinvestigating.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (FL)

I attempted to get my 'free credit report ' in XXXX 2016. The attempt was successful the free part was not. I was just billed {$19.00} from Experian for credit monitoring services. I called and cancelled any service with Experian. I am amazed that the swindle by Experian was successful. I have about XXXX years of XXXX experience and was very careful not to sign up for any services, free or otherwise. Please review the process used by people to get the free credit report to analyze how 'they ' are able to fraudulent charge people for unwanted services. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I missed a payment and when that payment became past due. I was unable to make a payment of XXXX payments to get caught up so my single payment was returned to me. I have been unable to secure a loan for past due payments and now owe {$28000.00} to get my loan current. I have been insisting on a loan modification which the lender refuses to give me. I am submitting an appeal to the servicer in regards to the loan modification denial. I was only given XXXX options to either short sale or a deed in lieu. I do not want to lose my house and feel that the bank is trying to take my house. I will now file Chapter XXXX bankruptcy to try to keep my house. I feel that I am being treated unfairly and I will be homeless if they take my house. Please do not ask the servicer to send me another stack of paper showing that they have done nothing wrong in servicing my loan.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I am upset with Capital One credit card company regarding my account. They are charging me outrageous interest charges. They are charging unlawful service charges. I am really upset because they believed a casino ATM withdrawals that I was charges and they believed the casino and not my complaint I never got the ATM money the machines were are the blink and the managers of the casino told me they were having problems. You will see all the money from the XXXX XXXX on my statement. Also you can see all the charges that I have been charges in interest charges and other illegal service charges. I also am complaining that the balance should be made XXXX balance as I never asked for a credit line increase the company just added it to my account. I feel this is illegal because they did it so they could get more money from me and others.
Consumer complaint received 2017-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MI)

My email account was hacked and I found money orders in my email box. It appears XXXX caught and blocked it, looks like western union sent money through. 

THIS IS FROM XXXX 'S XXXX : Money Transfer Receipt Dear XXXX XXXX, Thank you for using XXXX. We appreciate your business! 

XXXX must get approval from your bank before sending the money to your recipient. When the electronic withdrawal is complete, which may take from 1 to 4 business days, we will notify you by email and send your transfer to our partner for Cash Pickup. 

We will also give you specific pickup instructions that you will need to communicate to your recipient. 
To view the current status of your transaction, visit Track your transaction. 

For Customer Service, visit our Help Center or call XXXX. 

Transaction Details XXXX Tracking Number : XXXX Transaction Date : XXXX XXXX, 2017 XXXX XXXX PDT Date Available : XXXX XXXX, 2017 Central Standard Time - XXXX XXXX, XXXX Cash Pickup with : XXXX View Locations Amount Received : XXXX MXN Exchange Rate*:1 USD = 17.79 MXN Amount Sent : XXXX USD Transaction Fee : + XXXX USD Total Cost : XXXX USD *In addition to the transaction fee, XXXX also makes money when it changes your U.S. dollars into a different currency. XXXX rounds to the nearest whole peso. 

Recipient Information XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sender Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX United States HERE IS THE WESTERN UNION ONE : Dear XXXX XXXX, Please return to westernunion.com and enter the 4-digit PIN displayed below on the verification screen within the next 3 days. 
Your 4-digit verification PIN : XXXX If you have any questions, contact us at XXXXXXXXXXXX. Please DO NOT reply to this email. 




I am unaware what, if any, recourse is possible. I just wanted to pass along this issue with hopes it can be beneficial in combating fraud. 


XXXX XXXX XXXX
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (ID)

I applied for a loan with AmeriSave so I could get a pre-qual letter as an adjunct while I looked for a home to buy. I was applying for a 30 year fixed rate mortgage loan. I was contacted by AmeriSave Loan Agent, XXXX XXXX. There was a problem at first when my credit was requested from the Credit Bureau 's. My credit which is excellent, but it came back in my old name only. I had a legal name change in XXXX XXXX. I was not sure if that would be a deterrent to getting a home loan and the loan officer was not sure either. The loan Officer stated that she was checking with her Supervisor about it and would get back to me. In the meantime she informed me that I needed to submit certain paperwork. On XXXX XXXX, XXXX, a day after the paperwork was requested, I mailed all the paperwork to them with the exception of my bank information which I wanted to wait on submitting until I was sure the name change was not going to be a problem. I then had to go out of State to attend my Mother 's funeral. By XXXX XXXX, XXXX, I had not heard back from AmeriSave so I emailed XXXX XXXX to ask if they had received my paperwork and how things were going with my name change information. She replied a day or so later, stating that I needed to go into the portal and check it out. When I checked in the portal, it stated that my paperwork had not been received/entered. I checked again, and again, still no paperwork was noted in their system. I tried a couple of times to contact her by phone regarding the missing paperwork, but received no reply 's from her. On XXXX XXXX, XXXX, I emailed XXXX XXXX, XXXX 's supervisor regarding the situation. I also requested that my paperwork be sent back to me. I did not hear from him. Finally XXXX weeks later on XXXX XXXX, XXXX, I emailed their customer service department about the situation. On XXXX XXXX I still had not heard back from anyone so I sent another email to AmeriSave Customer Service Department. 
I am very concerned about having my paperwork out there somewhere unknown. It has information that I would not want in the wrong hands. I have not been able to obtain a response from AmeriSave to date. I do not wish to pursue a loan application with them after this situation, I just want my paperwork returned safely. 

I do not know what the problem is exactly, but I can not work with XXXX XXXX. I find her unprofessional at best. Is there a reason I ca n't work with you on this? I felt comfortable working with you and would like to have you as the loan agent. If this is not possible, I am thinking seriously of not going through Amerisave for a home loan, in which case I would request my packet of information that I mailed to Amerisave be sent back to me.
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

We refinanced our home earlier this year, through XXXX XXXX XXXX, they did a great job. We requested a payoff amount from HFC/Beneficial. After almost a week they sent a payoff to XXXX, and that amount was paid to HFC. In following weeks and since we have received payment notices for deferred payments of over XXXX years ago.I contacted HFC reps who admittedly stated that they made a mistake and payoff amount was not correct. We feel that was not our fault, can not afford to and should not be responsible to make an additional payment of more than XXXX dollars, and growing.
Consumer complaint received 2016-06-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC (CA)

Multiple issues with Monterrey Collections : 1. An alleged debt was not billed to me by original creditor ( a medical lab ). 2 ) Original creditor ( XXXX, XXXX lab 's CEO ) represented only if an insurance payment was sent directly to a patient would collection attempts be made. 3 ) Alleged debt awareness was first made by collection agency -- no communication by original creditor -- XXXX years later than alleged debt. 4 ) Collection agency refused to disclose verification or documentation of alleged debt. 5 ) Alleged debt was reported to credit agencies ( XXXX ) before I was able to respond within 30 day notification deadline of receipt of collection letter. 6 ) Proof of insurance payment to XXXX XXXX regarding the alleged debt was sent to Monterrey Collections. 7 ) Monterrey Collections refuses to remove the debt or the negative credit reports.