davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

A modification package was submitted to the servicer on XXXX XXXX. Confirmation of the document was received via email, please see attachment. On XXXX XXXX the file was opened, please see attachment. A letter was generated XXXX stating that the financial package was received, please see attachment. On XXXX XXXX an email was sent to the servicer requesting an update on the file as well as an update on the sale date. Later on in the day a message was received via email stating the file was denied the previous day from a different party within the institution. See attachment. The package was sent in 9 days before the sale date yet the servicer is now refusing to review the file per the letter. The file was already in review per the letter that was sent out acknowledging the documents.Per the servicer portal website, work was still being done in the file as of XXXX, Please see attachment. 
On the XXXX " Servicer '' has confirmed the above mentioned borrower and location is currently " Under Review '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following : XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. 
It is very apparent the servicer would rather foreclose on the home then move forward with the review to retain the home. The events described are just a sample of the practices that are taking place at PHH. PHH is more interested in foreclosing and selling homes at auction to make a profit. It appears that PHH 's lack of participation in a meaningful modification review of the file indicates a preference to profit directly from the homeowners hardships. Furthermore, the numerous times the homeowner has spoken to the PHH should extinguish any opportunity to excuse PHH 's behavior. 
At this time we are demanding a postponement of the sale date or the homeowners will assert their legal right and name PHH and XXXX XXXX as defendants in Civil Court.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I tried to pay my mortgage for XXXX and found out that my loan has been sold. When I contacted the new company i was in formed that my payment has been raised to over {$450.00} more then my previous monthly payments. I never received any notice of the change in payment or that my loan was being sold. I was told they needed to do a analysis on my loan to see what went wrong but they would n't be able to do that until XXXX. In the mean time i need to make the larger payment.
Consumer complaint received 2015-04-14
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (VA)

In XXXX XXXX, I received correspondence alleging that I owed XXXX loans to XXXX XXXX XXXX XXXX totaling more than {$38000.00}. This correspondence is the first communication I or my son have had from XXXX XXXX XXXX XXXX since XX/XX/XXXX, when my son graduated from college. Up until, XXXX XXXX, I have live in the same address for 27 years and had the same telephone number for the last 7 years. I also had a very good credit rating and have had a reputation as a responsible citizen who pays my debts. I deny that I or my son owe this money. I am attempting to rectify this fraudulent attempt to extort money from me. XX/XX/XXXX, I wrote to Real Time Solutions , Inc., copies of any loan documents purporting to have my signature, dates of and copies of any correspondence from XXXX XXXX XXXX XXXX me, my son or any third party regarding this alleged loan. The name of the " joint '' account holder referred to in the documents forward to me in XXXX XXXX. I have asked for dates, times, form and parties involved in any oral communication with me. I sent copies of the letter to XXXX and XXXX that I had mail to Real Time Solution, Inc. Each time that I have called the collection company they lied about getting back to me and have failed to send me the documents that I have requested 5 months ago. I need to have this negative information removed from my credit. 
It 's unfortunately someone to have work so hard to maintain good credit and have a company destroy your credit worth.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NV)

I am writing in response to your letter dated XX/XX/year>, regarding my request to cancel the escrow account associated with my loan. After reviewing your response, I must express my disagreement with your findings. 

Firstly, I would like to highlight that my loan documents indicate that the establishment of an escrow account was optional and not mandatory. According to the Real Estate Settlement Procedures Act ( RESPA ), specifically under 12 U.S.C. 2605 ( e ), servicers are required to respond to a borrower 's qualified written request ( QWR ) and address the issues raised by the borrower. Therefore, I am formally submitting this as a qualified written request.

Upon review, it appears that my current Loan-to-Value ( LTV ) ratio is cited as 94.6 %. However, there is no stipulation within my original loan agreement that mandates an escrow account solely based on the LTV ratio. Additionally, the loan documents provide that the escrow account can be canceled upon request, provided certain conditions are met. I have met all other conditions outlined in your letter, and the LTV ratio alone should not be a disqualifying factor, especially since it was not explicitly required in the loan terms.

Furthermore, the terms of my loan agreement do not specify that the maintenance of an escrow account is compulsory if my LTV exceeds a certain percentage. Given this, I request that the escrow account be canceled as per my initial request. 

Please treat this correspondence as a formal and qualified written request under RESPA. I urge you to reconsider your position and proceed with the cancellation of my escrow account. If my impounds are not removed, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

I appreciate your prompt attention to this matter and look forward to your favorable response.
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (NJ)

I get periodic robocalls that go through the whole routine of saying it 's about " an important business matter '' and just for me. It even waits for " 3 seconds so I can take the call in private. '' It gives the required warning that any information obtained will be used in the attempt to collect the debt. But it never identifies the debt or gives me any opportunity to provide any information. It only requires me to call an XXXX number. If I stay on the line after the number is given, it starts over again from the point of the 3-second wait. I have never returned the call, but I 'm getting fed up.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MT)

I was emailed that my online account had been suspended. It stated my account password had been entered XXXX times. Well ... ... .I have not tried to get into my account for weeks. I tried to call Wells Fargo and the kept transferring me and repeatedly asked me for my information. They would not transfer me to the fraud department. I am a XXXX veteran with a XXXX and they would not help me. I do n't want some XXXX to access my equity in my home or open new debt. So I want to know what happened and what they are going to do but obviously they are not going to do anything I wish they did n't buy my mortgage!!!! i certainly would never do business with Wells Fargo in the future!!!
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX XXXX : XXXX/XXXX/XXXX XXXX , FL XXXX
Consumer complaint received 2015-12-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Northern Trust Company, The (FL)

Northern trust of XXXX XXXX representatives habitually fail to respond to letters, certified or otherwise, about concerns with open issues in relation to my father, XXXX XXXX XXXX 's estate, turned over to Northern Trust of XXXX XXXX in XX/XX/XXXX. 

An E-Mail was sent to Northern Trust headquarters in XXXX on XXXX/XXXX/XXXX, asking if there would be someone who would be willing to discuss my concerns before a complaint goes public with the Consumer Financial Protection Bureau, the only response to which was an acknowledgement of inquiry, copy attached. 

There has been no response to a certified letter, addressed to the executor of my father 's estate at Northern Trust of XXXX XXXX, a copy of which would be attached, again documenting the open issues with the estate, as well requesting specific documentation required to perform an accurate accounting of my father 's estate. 

Consultation with several Florida estate attorneys resulted in complete assurance that as a beneficiary of the estate I have the full legal right to such documentation. 
Are you aware of any national investigative journalists who are, or might be interested in, investigating estate management companies such as Northern Trust? 

The idea that so much effort must be applied to simply request Northern Trust of XXXX XXXX to perform according to their legal responsibility would be oppressively offensive. 

My father who was an estate lawyer all his life must be rolling over in his grave after surrendering authority over his assets to Northern Trust of XXXX XXXX. 

The transfer documents for the sale and distribution of my father 's portfolio would have taken me less than a week to process. 

The sale of his condo could have been easily handled by a real estate agent. In fact the condo was sold to the only person who ever showed interest in the condo for {$60000.00} below appraisal value, without ever being publicly listed. 

That this matter drags on for sixth years would be an abomination.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (NJ)

I spoke with them XXXX they refuse to disclose who they are until I give them my social birthday and address. I let them know who I was and they would not tell me who they are. I have never received any letters regarding this company. They also hung up on me and blocked my phone number. Then called my daughter 's phone the following day. I will not disclose personal info if I don't know what it's in reference to. They have a legal obligation to tell me that before I give them information they can use to steal my identity.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MO)

I purchased my residence in XXXX. The original lender was XXXX, who subsequently sold the loan to XXXX XXXX. While with XXXX XXXX, I set up automatic payment withdrawal to XXXX XXXX. At some point, XXXX XXXX sold the loan to Rushmore. Neither XXXX XXXX nor Rushmore notified me that my loan was sold/purchased until several weeks later. I received a notice that I was purportedly late on XXXX month payment. After speaking with a representative with Rushmore, Rushmore disclosed that XXXX XXXX accepted a loan payment after XXXX XXXX sold the loan to Rushmore. However, the representative with Rushmore refused to correct the error. As a result, according to both Rushmore and Mr. Cooper, my monthly payments are being applied to interest arrears. Additionally, Mr. Cooper is reporting the debt as delinquent, damaging my credit score and my ability to obtain credit. My lawyer has sent a demand letter to Mr. Cooper/Rushmore which has been ignored with no response. At XXXX point in XXXX I was fed up and paid them the fees, etc. They continued to tell me I was late and owed many thousands of dollars in fees, etc. Despite this, they have reported my account as on time XXXX  % from XXXX until XX/XX/XXXX. All payments are automatic from my bank and paid XXXX days prior to the due date and automatically adjusted for holidays and weekends.
Consumer complaint received 2015-08-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

I applied for a modification on my mortgage with ocwen back in XX/XX/XXXX. I am the sole borrower on the initial and present loan on my home. To this date, I have received the same modification agreement to sign XXXX times. Ocwen is requesting that I have my spouse that I separated from in XX/XX/XXXX, that is not on my initial or present loan/credit application for my home, a person that I have no information on his whereabouts to sign the modification agreement. I have spoken to an attorney who has advised that Ocwen does not have a legal right to request information on someone that is not on the loan/credit application. I asked my relationship manager, XXXX XXXX if I could have a direct number to the departlment that I could pose the question " regarding separated spouses and the how it would affect the modification agreement ''. He stated they did not have a direct phone number and that inquiries had to be emailed, which I think is not fair to a customer that has speculations on the information that they are being given about a particular subject matter. I also have concerns that my payments are not being posted correctly to my account. They are listed as supense payments. My concern is that since the payments are not being posted, and if the modification is denied due to my not being able to provide a signature from a person Ive been separated and not seen in 13 years, the interest and late fees are continuing to ballon and cause my payments to unaffordable. Im and 99.9percent sure there must be a clause that in the modification programs that applies to my particular situation but am not sure what it is. I also think late charges and interest compounded during this process should be waved. I have done my part as a consumer in signing the necessary papers as the sole and only borrower on my initial and current loan documents. Ocwen requiring information on someone that is not on the credit application is illegal. I have also read reviews how they have canelled the loan on customers that have requested help through available agencies. I hope this will not be the case. I hope they will be fair and understanding.
Consumer complaint received 2016-02-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ad Astra Recovery Services Inc (TX)

They have been taking my card for three months now and have never asked me the name on the visa card before. Now when I tried to make a payment again with my wife 's card they stated she would have to call to give them permission to take payment.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

A storm took place XXXX XXXX, 2015 to my lake property in XXXX XXXX XXXX, MN. I have been working with my Insurance Co., XXXX XXXX XXXX, and they have been great. Now that my claim is over {$10000.00}, the Mortgage Company XXXX PennyMac XXXX wants to hold my money in escrow until they have an inspector come to my property. They say this will take XXXX days or more. Minnesota starts to get colder soon and I am concerned. I have also signed a Mortgage Affidavit, saying I am or will be making the property as good or better than before, which I intend to do and have sworn so. How do I continue to make repairs without the funds XXXX Checks made out to me & PennyMac ) my insurance company has released, but my Mortgage company wants to hold XXXX in escrow. This is very frustrating. Can you help me? My loan payments are current and always have been. This property is located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX.
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (DC)

To whom this may concern, I would like to raise the issue with respect to wells fargo 's online banking systems and its transaction hold times. I have a suspicion that wells fargo engages in illegal authorization of charges, but not in the order the consumer would have made those charges. And that their online banking systems does not include the most recent Transaction history. In all cases Wells Fargo has blamed the " Merchant ''. I am finding that charges made using my ELECTRONIC debit card are not posting to my account for almost 3 business days. For example, If I have an available balance of {$100.00} on Friday and swipe my electronic debit card at XXXX for {$10.00}, when I log onto my online banking site ( SAME DAY ) I should have a current balance of {$100.00} and an available balance of {$90.00} as the {$10.00} transaction from XXXX would still have been pending until the next banking update, which usually takes place the next business day. In the past with not only wells Fargo, but other banking institutions that I bank with, That " XXXX charge could pend for up to 5 days, but most cases it only takes Maximum 2 days. Not with Wells Fargo. When logging on to the online banking site, Their is NO record of my transaction to XXXX, and the charge was not taken from my current balance, thus not allowing my true balance to be reflected. On the following Monday, after I may have spent what my " online baking '' said I had available to me, from over the weekend I will see that SAME XXXX charge of {$10.00} from Friday show up under the pending transactions and then the bank claimed they paid it and now I am hit with an overdraft fee. This is not legal banking. This can not be legal representation of a consumers accurate account balance. I have trouble believing that the merchant would not even present payment on an account for 3-10 business days after the initial authorization of verifying funds in the account for. These Suspicious and illegal banking practices of random account debits and authorizations, have caused me many fees and Wells Fargo does not seem to take any responsibility for charges they post to a consumers account many days after the initial charge was made. This is n't a check that myself or consumers are using. Its an electronic banking card and the expectation is that it would reflect the most recent account transactions. Even a check deposited posts before some charges that I have made with my electronic debit card.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

I have already disputed XXXX XXXX account on my credit report in which they refuse to remove this fraudulent account. I have proven to them with a police report that my ex-wife fraudulently opened several accounts in my name with the intent of destroying my credit. I am requesting that this account be removed asap.