davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I am Owner of a Unit at the XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX since XXXX. Our XXXX XXXX have every year renewed the corresponding XXXX XXXX Policy on time. Since XXXX thru XXXX I have been paying my monthly mortgage to different Lenders without any inconvenience. Ocwen Loan Servicing , LLC, located at XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX, my current Mortgage Lender over 4 years, after GMAC was on Bankruptcy, demanded on XXXX that my Unit was not covered for any Property Insurance Policy, which was refused & we provided our XXXX Master Policy effective since XXXX - XXXX. Later on XXXX, Ocwen again sent to me different letters ( attached to this Claim ) regarding the same issue and for a forced placed Insurance Policy interior improvements coverage for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I provided copies of our Condo Master Policy and Certificate of Liability effective XXXX - XXXX from the corresponding Underwriter Insurance Company. We explained my Mortgage was refinance on XXXX and I have no obligation of any additional property coverage other than our Condo Master Policy. Interior coverage is just an option for Home Owners, not an obligation, according to our Condo Master Policy and my Mortgage content. Any previous Lender, nor Ocwen at the beginning of receiving my monthly payments, never requested additional interior property insurance, until XXXX. Every time we tried to contact Ocwen Customer Services ( XXXX or XXXX ), always a foreign representative from XXXX, XXXX, XXXX, XXXX, just had responded to me my obligation about the Insurance Policy. Finally, Ocwen on XXXX/XXXX/XXXX, illegally deducted from my Escrow Account the amount of {$1600.00}, which currently is in negative balance so, I demanded to have my records with Ocwen CORRECTED and have de insurance REMOVED, because I do not owe for the forced placed Insurance Policy No. XXXX, XXXX XXXX. XXXX with XXXX XXXX XXXX COMPANY forced and illegally imposed by Ocwen on XXXX/XXXX/XXXX. As I have not been able to resolve this problem by my self, I requested legal services thru an XXXX Law, who has sent several demand letters and Ocwen just has responded requesting additional time, which has been expired without any response. Now, I have found this additional legal resource in order to be investigated this issue because I have found online other complaints against Ocwen ( XXXX ) for Rip-off reports.
Consumer complaint received 2016-04-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Collection Solutions Inc. (ME)

I received a letter from " XXXX XXXX XXXX, XXXX. '' purporting to represent " XXXX ''. The letter is dated XXXX XXXX, 2016 and alleges that I owe {$1600.00}. The letter does not advise of an alleged initial loan amount, date of alleged loan, this office 's license to collect in my state, or any other identifying information about this alleged debt. This letter states that I have " ignored repeated demands for satisfaction of '' the debt, although this is the first letter I 've received from this office. The letter then unlawfully threatens me with " an additional cause of action '' and " significant increases ( of the alleged debt amount ) due to added costs and charges if additional ENFORCEMENT ( emphasis added ) is needed ''. 

This letter is threatening, falsely states that I have been previously contacted by this company, and provides me with no identifying information of what this alleged debt amount was initially or when I was ever contacted regarding the alleged debt. The letter further states that if information " furnished by ( me ) is determined to have been false, an additional cause of action may be instituted against ( me ). '' No information to which I am entitled by the FDCPA has been provided to me with this letter. Furthermore, there is no indication of the alleged original loan amount. In the state of Maine a payday lender may not charge interest on a loan per Maine 's XXXX Agency.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Per my previous complaint filed with the CFPB - # XXXX ( XXXX ), Transunion recognized their error and vowed to remove inquiries that were placed on my report without merit due to a glitch. 
I have received my credit report in the mail from Transunion. 
On page 6 of my report, I still see inquiries that were not removed, but promised to be removed by Transunion. 
Let me clearly state this again ( as I did in the first complaint ). 
The ONLY inquiry that should be on there as of today ( XXXX/XXXX/2016 ) : -- XXXX XXXX ( XXXX/XXXX/2016 ) As Transunion stated clearly in the above referenced CFPB complaint they would remove them all, I expect Transunion to follow through. 
Please remove any and all inquiries EXCEPT for the XXXX XXXX entry on XX/XX/XXXX ( that means remove the other XXXX dates ). 
I have again attached my identification to expedite the removal.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems (IN)

Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

I had a mortgage and a Home equity loan thru XXXX and it was bought out by BB & T and has been nothing but problems and I received several late fees on an extra account that I did n't know I had. My payments have changed and the terms of my loan have changed and they stated there is nothing they can do about it. I did not sign anything to acknowledge any of these changes just that my prior company has been bought out and nothing will be changed but where I send my payments. Unfortunately this could n't be further from the truth. My mortgage payment changed nearly {$300.00} more and my home equity loan has another account which I owe another separate payment on which I had no idea I now have XXXX accounts. I tried getting this rectified and I am told they can not just keep it as one account and any time I want to borrow money again from my current home equity loan it will draw from that other account as a cash advance and I will have 2 monthly payment which is not what I agreed to per my original contract. This has to be fixed. No one ever calls back and when they do they have no idea why they are calling and no recollection of any of our previous conversations which I always save on my phone. Please Help, thank you
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

I complained about BB and T putting an unauthorized hard copy on my credit report without my authorization. XXXX is the complaint number. I never received a satisfactory response on this complaint. I asked for the inquiry to be removed from my credit as it caused my credit score to drop by XXXX points. They told me they had the authority to run a credit report on me since there was " signage '' in the bank. I never saw any signs. I have had a checking account with them since 2008 and took a cashiers check to be put into a savings account to be linked to my checking account. I was not applying for credit although they tried to give me overdraft banking and a credit card. I never asked for any of these and refused. They obviously pulled my credit in order to attempt to cross sell me products that I did not want.
Consumer complaint received 2016-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Clearview Resolution Services (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Department of Civil Processing @ Clearview This company continues to call my place of employment threatening that they have papers with my SSN/Name/etc. and I must contact them within 5 days or they will submit my case for processing. They have called me for the better part of 9 months claiming this. When confronted on the phone, they refuse to disclose any pertinent information. They use different names, phone numbers. Apparently, they do this to XXXX people. This needs to stop!!!!!
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-02-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

In 2015 Onemain Financial acquired Springleaf. I have interest-bearing loans with both finance companies. Since the acquisition I have continued to pay these loans separately. I have asked a few times what can be done to consolidate my loans so that I have XXXX payment and XXXX interest rate, their feedback is that they can not do it. Between the XXXX loans I 'm paying north of 50 % in interest charges.
Consumer complaint received 2016-09-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Best Service Co.,Inc (OH)

The Best Service Company reported a collection trade line to my credit somewhere around XXXX/XXXX/2016. I was never contacted via US mail, email, facsimile or by phone about this. The way I found out about this was from an alert from XXXX monitoring services. On my credit report it has an ID Alert statement with my cell phone. Also in the contact information my mailing address, work number and cell phone are listed and are accurate. Therefore there is no excuse why I was not afforded the opportunity to dispute the matter under the previsions set forth in the governing laws. 

If I was given proper communications a formal dispute and police report would have been provided to them disputing this matter. After pulling my credit last night I 've identified the original creditor. The account they are attempting to collect on was involved in fraud. Documentation was provided to the original creditor almost 4 years ago. 

The CFPB needs to step in and stop this type of behavior with debt collection companies. They should not have the ability to report an account period. Especially in situations like this.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX, XXXX I 'm writing to you in regards to my Synchrony bank account at JC Penney I started an account with JC Penney approximately seven years ago. Recently synchrony bank acquired the credit account and since than I have had nothing but problems. 
I had a balance of {$320.00} on XXXX XXXX XXXX. I set up a payment agreement on the internet, for {$65.00}. However, my payments were not deducted from my account on the same day every month so I paid off the balance on XXXX XXXX, XXXX. But, Synchrony continued to credit my account. On XXXX XXXX, XXXX, they credited my account XXXX. I called and was told this would not happen again and a check would be issued. I asked for written documentation and was told they could not give me anything in writing. On XXXX XXXX, XXXX my account was again credited for XXXX. Again, I called and told them my account was closed and paid off and again they sent me a check. 
Because I did not trust them I had my bank stop payments on any deductions they tried to make. Since XXXX they have tried to credit my account four times and now claim I owe them XXXX last time I talked to them, I got so I angry and cursed them out. They accused me of lying. Please, can you help. This is hurting my credit and my husband and I are looking forward to buying a house in the future. 
I have enclosed a copy of my bank records showing when they credited my account, the stop payment issued by the bank and the statements from JC Penney. 
Thank you in advance XXXX XXXX
Consumer complaint received 2016-05-27
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Clear Debt Solutions, LLC (TN)

Cred X Debt Recovery is the collection company that I have been dealing with to pay off a payday loan from XXXX. I have been speaking with a representative named XXXX XXXX at extension XXXX. XXXX called me once at work and I asked him that day to not call me at work period that my work does not allow it and I ca n't discuss this inside the office that I work at period. I called XXXX XXXX XXXX today because I had an arrangement to make my last payment. I was asking for an extension and the supervisor XXXX that I spoke with told me that I basically lying about not being able to pay the debt and that he thought I just wanted to have a good weekend. He did not disclose to me that call was being recorded and did n't disclose the mini Miranda to me until the end of the call. They still tried to take a payment out of my account and XXXX XXXX at extension XXXX called my work phone to tell me the payment declined. I told him that I have already told him I could not get calls at work. He said that he forgot because it 's been a while since we have spoke on the phone. I asked him if they noted their account and he said yeah but he just forgot. so not only was I accused of lying about not having the money but I also received a call at work after specifically telling XXXX XXXX that I could not get calls.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Transunion continues to report that XXXX of my loans from XXXX XXXX are filed in bankruptcy. All XXXX loans were paid, never late and in full. I have provided them with a letter from XXXX XXXX that states these accounts are being reported incorrectly. Transunion sent me a letter stating that the information would be updated correctly and sent a new report with updated information. Now, a few months later the report is saying included in bankruptcy again. I have disputed this multiple times. They will no longer accept a dispute online. I have to mail the same information to them over again. This has caused me multiple credit denials in the last few months. I want to know how to fight this once and for all.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

Just a little perspective for you : * It has been approximately 1530 days since my last mortgage payment on the property. 
* It has been approximately 1220 days since I informed the mortgage company ( GMAC, now bankrupt, then transferred to XXXX Bank ) of my intention to relinquish the property. 
* It has been approximately 1120 days since I moved out of the property. 
* It has been approximately 1020 days since I filed for bankruptcy and stated in my petition that my intention was to relinquish the property to the new mortgage company ( XXXX ). 
* It has been approximately 945 days since my bankruptcy was finalized and all of my debts were officially discharged including the mortgage on the property. 
* It has been approximately 640 days since the property was " winterized '' by the new mortgage holder. At this time, they changed the locks and I no longer had any access to the property. 
* It is my assertion that on the date the bank changed the locks, they effectively took over the maintenance, care, and responsibility for the property. Prior to that time, I had continued to maintain the property. After this time, I have done no maintenance or maintained the property as it is not accessible to me. I understand that the mortgage holder and/or HOA has been maintaining the property since the locks were changed. It is my assertion that this was on behalf of the mortgage company who took responsibility for the property back in XXXX of 2013. 
My frustration at the length of time it is taking for me to officially relinquish the property continues to grow. I believe the excessive length of this process has caused me undue stress and emotional damage not to mention the continued negative hit to my credit. It has affected my emotional and physical health negatively and impacted my work, my family, my self image and my relationships. The excessive length of time is cruel and unusual exceeding industry standards of acceptable practice. This current situation due to the length of this process is unjust and punitive. I have done all within my power to remedy the situation. What is my recourse? What do I need to do to resolve this and be given an opportunity to move on with my life?
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This has been an ongoing issue with Transunion credit reporting. I now have copies of what 's being reported as my score. And the score they are giving others for me. I have attached a copy of my online report the I pay for. And have a copy of my report that was sent to creditor. This caused me another chance to get approved for my loan XXXX Again! I am paying money for a true credit score and am not getting it.. Both of these reports are right from Transunion and NO ONE ELSE!
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (FL)

We had a contract for the sale of our home from a XXXX who had a letter of pre-qualification for {$650000.00} from SunTrust Bank. The buyer complied with all the requirements were given successful progress reports from the Loan Officer and as per the XXXX XXXX, 2015, purchase agreement surveys were done, inspections were done, small termite was fixed and home tented as per the contract requirement, we moved out and sold our furniture and today, the day before the closing, the Loan Officer at Sun Trust bank called the buyer and notified him that they were soon sending a letter of denial which can not possibly arrive before the closing date on the contract. The buyer was told at the end of last week that the loan officer was schedule to speak to the Chief Underwriter on Wednesday the XXXX to get his approval for approving the loan, but that the bank had added a new condition ( a week before the closing ) that the buyer had to sell his home before the closing to get the loan approved. The buyer was told it was a new rule that the bank had just put in place. A bank loan officer regularly dealing with real estate gives the buyer one week to sell a {$300000.00} plus property. Toda, Thursday the XXXX I received a text from the buyer that the bank Loan Officer told him that he will be sending a denial letter. In the mean time we as sellers had to leave our property for termite tenting required by Sun Trusts before closing ( which killed all the landscaping in the flower planters and makes it impossible to present for sale efforts ), moved out contents, sold our furniture, and the bank seems to bear no liability for disrupting XXXX families, particularly the seller who now has an empty home very hard to present as it is empty and with not furniture or decorations. Are there no regulations on the timing that a bank has to notify the parties officially when a loan is being denied and for what reason and do so timely to allow buyer to resolve the issue and the buyer not to proceed as though the process has no problems that will prevent a closing? If that is the case, it is time for more regulations and not less.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It raises XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.
Consumer complaint received 2015-08-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CA)

Thank you for using the XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX print a copy of this for your records. 

Filed on : XXXX XXXX XXXX by : XXXX XXXX XXXX XXXX XXXX CA XXXX against : TD Auto FinanceGiving me the run around and not processing my pay Payoff. XXXX XXXX 2015 I called TD Auto Finance to inquire about my balance on my XXXX XXXX XXXX. Account number XXXX They gave me the amount. I got a check from Credit Union ( XXXX XXXX ), I called TD Auto Finance back on Friday XXXX XXXX 2015 to get the proper address for express mailing Auto pay off. I mailed the check and preceded to call back on Friday XXXX to see when the title is going to be released, I was informed that my regular monthly payment is past due, I said how is that when I just paid off my loan. The agent put me on hold and then came back to the phone and said the check will be returned, because it was not signed but it was signed and it was made out to TD auto finance and my husband with my account number on the check. I asked the lady why did n't any one call me or let me know? She could n't answer me, I was in shock what if I had not called? The agent was very rude she hung the phone up on me. I called back on Wednesday XXXX XXXX and the same thing your account is past due, I said I sent a check to payoff my account and you said its gon na be sent back for signature. I was told that the check is now going to be sent to my credit union and If I do n't make my payment by XXXX XXXX I will accrue more interest. Since the XXXX of XXXX I have been trying to settle this matter. 
I want them to find the check and close my account for the amount first quoted to me. And I will never ever purchase another XXXX vehicle from them again. My husband and I have been loyal customers for years but this was the last straw. This was the XXXX time we have been burned by this company.