davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments.
Consumer complaint received 2015-06-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc (MD)

I have already payed all my debt to the debt collection agency that I had owed back in XXXX because after I paid that amount I did not hear from the agency again. 
Now in XXXX, I get a letter from a different collection agency that I owe some other amount to the same creditor I had dealt with back then. 
I called the creditor and they had no information of mine besides what was noted from the previous debt collection agency. The previous debt collection agency did not document the full transaction. The creditor said that they changed debt collectors and the new one has gone far back as XXXX to collect debt. 
Unfortunately, I trashed all my documents that were dated back XXXX years ago and I 've also contacted my bank asking for statements from back then but they do not go as far back as XXXX years. 
I had high hopes in getting my bank statements because that would give me evidence that I paid more than what the creditor is asking. 
But I have no evidence of paying besides my memory and my letter to the debt collection agency I had saved in my email. 
What do I do? 
I have until this Friday for the debt collector to do something against me. I really do n't want to pay for something I already paid and am very upset about this whole mess. 
I do n't want to pay the creditor for something I already paid XXXX years ago and am just really upset this is happening. I 'm sure this is another way of scamming people of their hard earned money ... this is just unfair! 
Please help!! 

Thank you,
Consumer complaint received 2015-11-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

XXXX XXXX, 2015 OCWEN LOAN SERVICING was sent Check # XXXX for {$24000.00} as Mo. Pay Princp. & Int. PLUS {$16000.00} Princp. ONLY via USPS CERTIFIED MAIL ( ITEM # 1 ). 
OCWEN LOAN SVC. RECEIVED XXXX CERTIFIED MAIL XXXX/XXXX/15 XXXX ( ITEM # 2 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. POSTS {$24000.00} EXACTLY as paid ( ITEM # 3 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. SHOWS NO PAYMENT PAST DUE PMT ( ITEM # 4 ) OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. Charges {$100.00} from Princp. Payment? ( ITEM # 5 ) Doc 's PROOF of Mailing, Receipt of Mail and Payment of {$24000.00} are ATTACHED. 
How do they EXACTLY POST Payment on XXXX/XXXX/15 then CHANGE/DENY Payment onXX/XX/XXXX/15??? What is the XXXX/XXXX/15 NON-AUTHORIZED {$100.00} CHARGE?
Consumer complaint received 2015-06-15
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (PA)

As a reward from XXXX, I got a prepaid Visa card through CitiBank. I received the card from Citi about XXXX XXXX, 2015 and did not use the card until XXXX XXXX, 2015. I used this card a couple more times in XX/XX/XXXX, then put it away for future use. When I went to use it again last week ( XXXX XXXX, 2015 ), I called to get my balance and was told by Citi that my card had a balance of {$27.00}, but my card had expired at the XX/XX/2015 and that here was nothing that could be done to get my balance of {$2.00} I know that it is only {$27.00}, but I think it is highly unfair of Citi to have such a quick expiration date for their card ( XXXX months to use the card ). Most cards give you at least a year to use them, which is why I did n't check the expiration date on the card. Is there any way that Citi can be made to issue me another card with my balance or re-open my current card. If they withhold enough people 's balances, they 'll have a gold mine. This is totally unfair!
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

A debt collector, XXXX is trying to collect a debt that is not mine in the amount of {$6100.00} I have asked for debt validation and only received a photo copy of a bill, and now they are asking for {$6200.00} This false debt was previously owned by XXXX XXXX XXXX and was removed from all credit, prior to that it was owned by XXXX XXXX and was also removed from all credit. This debt is not mine and keeps being sold to new collectors in an attempt to collect it anyway. How do I get this to stop?
Consumer complaint received 2015-06-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (TX)

Following a debt in question related to a visit to the hospital emergency room where, as an insured individual, a co-pay was paid in a timely manner, I received a collection notice from Transworld Systems, Inc.(TSI) at www.transworldpayments.com regarding a balance of XXXX for XXXX Emerg Physicians Acct. # XXXX which translates to TSI Reference number XXXX. The debt did not appear valid so I disputed the amount within the 30 day allowance and requested further information from the debt collector. Without producing this information to me for consideration, TSI informed XXXX, XXXX, and XXXX of the amount in question, resulting in an immediate negative impact on all XXXX of those particular credit scores, affecting my ability to lease a new home.

While the debt in question may be valid, I have been unable to contact TSI via their publicly posted phone numbers and by the phone number listed on their written correspondence which is XXXX. I have called their numbers multiple times over several weeks within their hours of operation noted as Mon-Fri XXXX to XXXX EST. I have left numerous voicemails, sent emails, and post and unable to get a customer service representative on the phone to discuss this matter. 

I am extremely upset that this company has reported a debt to XXXX third parties and further that they are completely negligent in responding to inbound inquiries. Further, their online user account system is completely insufficient as I am unable to log-in, contact support, gather information, or spark action of any kind using this venue.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

On XXXX XXXX, XXXX, I refinanced a loan originally held by Green Tree Servicing LLC., with XXXX. XXXX sent XXXX separate payoffs checks to Green Tree. XXXX was on XXXX XXXX and XXXX was on XXXX XXXX, XXXX. The loan was never processed by Green Tree and I continued to receive bills. I contacted Greentree on XXXX XXXX, and advised them of the issue through a three way call with a XXXX rep. The rep for Green Tree ( XXXX ) was provided the routing and bank information where the disbursement was sent to. Ironically, I settled XXXX additional loans through XXXX with Green Tree and there were no issues. XXXX indicated the funds were there but had to be verified. By XX/XX/XXXX the issue had not been resolved. I contacted Green Tree several more times and no one was willing/able to help me. I also spoke with XXXX ( manager ) who indicated the disbursement was allocated to a different loan and would have to be transferred to the loan in question. Of course, nothing was done and on XXXX XXXX, I spoke with a rep for Green Tree who was actually helpful. She indicated I had a suspended credit disbursement, but the payoff still did n't appear. She attempted to reach XXXX, but to no avail. Today, XXXX XXXX, I received XXXX identical letters from Green Tree indicating that they were looking into the issue. Technically, I have XXXX loans for XXXX home and am still being contacted by Greentree for payment. An additional concern is whether my credit will be affected. According to XXXX, the disbursement checks were cashed by Green Tree on or about XXXX XXXX. 

Green Tree is a terrible company who has poor customer sevice. They make ridiculous mistakes and do nothing to rectify the situation. At this point, I believe they are intentionally affecting this process. 

Thank you.
Consumer complaint received 2015-11-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I have been working with my mortgage lender for months on a short sale. We have a buyer and supplied all needed documents to our mortgage company. They have not postponed the pending foreclosure date set for XXXX XXXX. My family is very concerned as we are trying to do the right thing. Please assist us in requesting Ocwen to postpone the sheriff sale to allow us to continue our short sale process.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

I have {$620.00} in fees on my account, {$120.00} for a foreclosure fee that I never was advised I was ever in foreclosure. A {$500.00} appraisal fee that I was not made aware of prior to an appraisal being ordered for a review of a short sale of which still shows as being reviewed but confusing letters saying it was denied but also letters saying still actively being reviewed. The mortgage company is saying that they are not reporting me delinquent on my mortgage but my mortgage statements show I am past due of {$690.00} in addition to what my current payment is. When I review my credit report it shows degoratory on my credit report. I ca n't actually see how it is affecting my credit but my score is dropping every month. I am current on my mortgage payment. The last delinquent mortgage payment I made was when I thought I was being reviewed for the short sale in XXXX of 2014 which I brought the account current in XXXX of 2014. I have no idea how this is affecting my credit but I am getting denied loans and credit due to this mishap. Every time I have called to have this explained I get the run around and say its been escalated but nothing comes out of it.
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about XXXX and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said XXXX and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I currently have a loan with Santander Bank loan # XXXX on my property located at XXXX XXXX XXXX in XXXX ma XXXX. At this time It is in foreclosure and an auction scheduled for XXXX XXXX, 2015 which is next week. For 8 months we have tried working with the bank on a loan modification supplying them with all the required documentation ( sometimes XXXX and XXXX times ) After all this time they have denied our modification and now want to auction the property.
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XXXX/XXXX/2015 I received an overdraft fee in the amount of {$35.00}. I was told by the manager at the XXXX branch that it was caused by the XXXX XXXX preauthorized debit. As you can see on Document # 1, XXXX XXXX was posted to my account on XXXX/XXXX/15. Then on XXXX/XXXX/15 I was able to withdraw {$130.00} out of my account because I had sufficient funds available. As you can see, on XXXX/XXXX/15 I had a balance in the amount of {$5.00} which would have covered the XXXX XXXX transaction. Once again, this a plot to take money from the consumer. I asked the manager what time did the preauthorized debit post, she did n't have an answer but she told me what time ALL the other transactions posted. The bank is refusing to give timestamps for preauthorized debits just so they can get the overdraft fees. As I explained to her as well if XXXX XXXX was the transaction that overdrew my account, then why does n't it reflect on my statement. There are no parentheses showing that my account was in the negative at any given time. Anytime your account is in the negative, it will have parentheses around that item. So either way this is deceptive practices.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

I received a letter telling me my Mortgage was past due. I knew I had a auto pay bi weekly coming out of my account for years. I called the company they were RUDE, unprofessional and basically told me I did n't know what I was talking about. I called my bank, then I finally tracked down my payments. I was then told that the company I was using ( which is a third party company ) was a rip off. They also told me they did not deal with third party companies, which was not true. I never had to contact the company I was using to change my payment amount. The third party company has ALWAYS notified me regarding changes from the mortgage company annually, due to increase in property tax or home owner insurance. But this year the only notice they received fro Green Tree Servicing was to decrease my amount. After that was done a couple of time at the first of the year, that is when I got the letter from GTS. So now they are calling me monthly, for an extra payment and wanting to charge me late and processing fees. They still refuse to contact the third party company. I would love to change to another more qualified company that can get the job done right the first time. This company has shown to be the worse ever.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Privacy — 
Company: SYNCHRONY FINANCIAL (TX)

To whom it may concern, Only after weeks of using my new Wal-Mart master card was I given the option to opt out of personal information sharing including : Social Security #, income, account balance, payment history, credit history and credit scores. According to the supervising operator at the wal-mart credit card call center my personal information had already been shared. Furthermore, the letter informing me of my rights was apart from my billing statement. Seemingly hidden between some flyers in the same envelope. I almost threw it in the recycle bin without seeing it. If this is not illegal it certainly appears to be an attempt to deceive me and disseminate my private information without my permission. Thank you for your time and effort. Sincerely, XXXX XXXX
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

A company called XXXX has reported to Transunion that they are trying to collect a bill from me. They say it is from XXXX XXXX XXXX. Several years ago when I had XXXX XXXX XXXX XXXX I had a procedure done at XXXX XXXX XXXX. It was covered under my insurance at that time. I spoke with someone at XXXX XXXX XXXX and they said they would work with my insurance company. They told me they it resolved and now several years later this XXXX pops up claiming that I owe money. Please help me!
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I received 2 collection calls and 2 past due emails from Bank of America. Collection calls! I 'll admit that we have n't been the timeliest this year, but we did bring the account current on XXXX XXXX, 2015. The XX/XX/XXXX statement shows New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015We paid {$310.00} on XXXX/XXXX/15, which should have brought our account to XXXX min. balance due by XXXX/XXXX/15. Now the statement showing the XX/XX/XXXX amount due as this : New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015They were saying that I now have a past due amount of {$190.00}! 
New Balance Total XXXX $ XXXXCurrent Payment Due XXXX $ XXXXPast Due Amount XXXX $ XXXXTotal Minimum Payment Due XXXX $ XXXXPayment Due Date XXXX .XXXXI spoke the a representative this morning who said that it was all in error and that they would get this fixed, however I feel the need to file a complaint. The way they handled this was harassment. The rep did not even apologize. It 's not right to receive collection calls or emails when you have paid! I do not want to see this reported to the credit bureau for their errors. I also see that they repeatedly make these kinds of errors with many other customers. A giant bank should get their act together. Thanks for reading.
Consumer complaint received 2015-11-25
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

On XX/XX/2015 I made a payment of {$60.00} through MoneyGram to put on my XXXX for my cell phone bill. I have been with XXXX now for over 4 years and I never had any problems until now. However, money gram transferred the money to my XXXX account but, XXXX said that they did n't receive any funds. Soon as I loaded the money on the card I called my phone company to pay my bill and they said that it was declined. Now that is impossible because Money gram verified that they immediately released the funds to XXXX and now the card says declined. So I immediately called Customer Service for XXXX and they had me on hold for a little over an hour. So once I finally reach a representative to tell them my situation they instantly tell me the system is down and that they 're having technical difficulties and they wont be able to access any of my information. So every day I called them and the same thing kept happening, either no answer or the line goes busy and the phone shuts off. Finally I reached a XXXX representative exactly 1 month later on XXXX XXXX 2015, and she accessed my account and told me that she actually saw the transaction that was made on XXXX XXXX 2015, but she could n't provide anymore information because they were still having technical difficulties with their system. But however she assured me that within 3 business days my money would be back in my account, and now here it is XXXX XXXX 2015, and still nothing has changed my account is still empty. Could someone XXXX help me.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

My credit report from Equifax falsely represents dates of the deed in lieu of foreclosure from XXXX Bank and XXXX Mortgage that completed in XXXX and XXXX of XXXX. Equifax have on several occasions and currently, represent this information as XXXX and XXXX of XXXX. This is incorrect and " resets '' the start date of this information. I chose this option as the only means to leave this property in a period in which I was laid off. Fair Credit Reporting gives me the right to have this information represented correctly. XXXX very large result of this misinformation is the lack of ability to purchase any property for XXXX years form the default date. If this date is changed again and again incorrectly, I clearly do not qualify to purchase. Please help. Thank you.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

We submitted our packet to Ocwen via XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They asked for additional documentation on XXXX/XXXX/2015. We provided requested documents on XXXX/XXXX/2015. As of XXXX/XXXX/2015, Ocwen is showing a complete financial package. Our housing counselor, XXXX XXXX with XXXX XXXX, has been in communication with Ocwen in regards to our file. In XXXX 2015, we became concerned because we were past XXXX days and still had no decision. We were told that we were waiting for a response from our investor, XXXX XXXX, and that it can sometimes take up to XXXX days for a decision. XXXX kept up contact every XXXX business days with Ocwen. As of XXXX/XXXX/2015, our last communication with Ocwen, we are still pending a decision. Our complaint is in the fact that it has been XXXX weeks, and we still have no decision. We have also submitted an escalation XXXX XXXX XXXX.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

Someone used my information, and fraudulently sign a forge signature and or my personal information was used to open an account. whoever opened this account refused payment and damage my good credit history. I did not open or authorize this account, and I request that it be closed immediately
Consumer complaint received 2016-08-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (MD)

XXXX/XXXX/XXXX Complaint Sent to the Consumer Financial Protection Bureau I am complaining about apending illegal eviction. 
My son has a valid, notarized lease on my mother 's house, executed on XXXX XXXX, XXXX. On XXXX XXXX, the house was foreclosed on, but my son continued to live there and pay rent. He has been paying on that lease in exchange for his right to live in the house. My mother has moved out of the house because she had sustained several XXXX and was unable to take care of herself. She is using the money to supplement her social security income to pay for her care in a local XXXX home. 
On XXXX XXXX, XXXX, we received a Notice of Eviction. They sent a form for a renter to fill out describing the details of the rental arrangement, entitled, " Change in Occupant Questionnaire ''. My son sent the form back, along with the lease. The document was sent certified mail to the law firm as well as to the holder of the mortgage, XXXX XXXX. Also sent were payment receipts, initialed by my mother. We know they received it, because they signed for the certification. This indicates that Nationstar and law firm were aware of the lease, and that they were aware of Maryland state law. 
On XXXX XXXX, my son received a sheriff 's notice ordering him to vacate the the premises and a writ of repossession. AT NO POINT HAS MY SON BEEN CONTACTED ABOUT THE VALIDITY OF THE LEASE. 

REMEDY : we want the loan servicer and the law firm to honor the lease and rescind the sheriff 's order before XXXX XXXX, XXXX. 

XXXX XXXX