davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I use AMEX serve for transactions as I receive direct deposit on this card. Got into car accident and company XXXX XXXX XXXX had me pay {$400.00} deposit until they received payment information from insurance company ( XXXX XXXX ), well the insurance company paid XXXX XXXX XXXX after they sent them an invoice saying they refunded me the deposit.called XXXX auto and they kept giving me the runaround so I filed a dispute with AMEX Serve ... I sent them email from insurance company confirming amount paid, receipt where they lied stating they refunded me the money. I have yet to get my money back, finally XXXX calls me back and states they would had given me a cash refund but AMEX serve completed a charge back on XXXX XXXX, I really need my money back it 's unfair that no one is giving me my money back even after charge back was completed. Can someone please let me know when I will be receiving my money? that rental has been returned on XX/XX/XXXX its been over a month. XXXX will not give me my refund now that the chargeback has occurred and I have not heard from Amex Serve in regards to the process. I just want my money not even a provisional credit was given and I have been a customer for a long time with continuous direct deposit
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The credit cards below have a XXXX balance yet my credit reports are showing a balance. The accounts below are wrong. 

XXXX XXXX XXXX XXXX XXXX  {$3000.00} out of {$3700.00} 80 % XXXX XXXX XXXX {$1300.00} out of {$1900.00} 71 % XXXX XXXX {$200.00} out of {$300.00} 69 % XXXX XXXX XXXX {$470.00} out of {$800.00} 59 % XXXX XXXX {$4800.00} out of {$8300.00} 59 % XXXX XXXX XXXX {$2600.00} out of {$5000.00} 52 % XXXX  {$1100.00} out of {$2800.00} 39 % XXXX XXXX {$280.00} out of {$900.00} 32 % XXXX XXXXXXXX XXXX XXXX {$430.00} out of {$1400.00} 31 % XXXX {$310.00} out of {$1200.00} 27 %
Consumer complaint received 2015-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WY)

We were turned over to XXXX XXXX XXXX in XXXX and were told that before they would service our loan we had to do a new loan, in XXXX XXXX offered us a modification and only reduced our payment by {$100.00} and then told us we were late on paying and then tried to foreclose. We had to pay them over {$10000.00} to keep our home, then in XXXX XXXX dumped us to Green Tree Servicing, they have told us ever since that we have been late on paying when we have not been, they charge a fee every time we pay them. In XXXX I lost my job due to illness and in XXXX of XXXX we had to file Bankruptcy. Green Tree immediately turned nasty, they tried to get the relief of stay lifted and then withdrew the request, after they lied to their attorney and he dropped them. We paid on our mortgage through XXXX of XXXX, since XXXX of XXXX we have put in hardship letters and modification paperwork and Green Tree has repeatedly come back with XXXX excuse after another why it can not be done, to date we have put in over XXXX requests for modification, we even went through the HAMP Resource Center and they stated that since the requests and replies for modification were non-HAMP there was nothing they could do to help. Green Tree has offered XXXX modifications that we can not afford at this time, our only income is my wife 's XXXX, I have applied for Social Security XXXX but have been turned down XXXX. Since then I had to engage an advocate service and now we are waiting for a hearing. In the past week Green Tree has called us and told us we had to pay in order to get a modification approved. We ca n't afford to move because even the rents in our town are as much as our payments. We do not feel that Green Tree is being sincere about helping us, we even got a foreclosure letter from an attorney the same day that we received another modification package from Green Tree. We ca n't sell our home due to the fact that they are still building new homes in our area and no one wants a XXXX year old house. We feel that Green Tree has violated almost all of the conditions of our mortgage agreement, we have requested documentation of who owns our mortgage but to date we have not received XXXX shred of documentation except for a copy of Green Tree 's servicing document from XXXX. Green Tree keeps changing who we need to talk every XXXX months and then we have to start all over again. They are the worst company I have ever come in contact with, they have no knowledge of mortgage issues or how to do anything mortgage related. They keep making demands but do not offer to really help. We hope that you can offer some insight in to what we can do with these people. Thank you.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Filed Complaint number : XXXX on XXXX against XXXX mortgage company. Got response via CFPB on XXXX/XXXX/XXXX XXXX PM from mortgage holder XXXX and via my investigate learned mortgage XXXX Estate of XXXX XXXX XXXX was sold to Seterus, Inc., XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 
Nothing I saw from CFPB within their portion of response mentioned any deadline to respond ( can supply response copy if requested ). When I called I was chastised for not seeing that a deadline was given to respond and told complaint was closed and had to file another complaint. I am doing so. 

XXXX XXXX XXXX XXXX was holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX. That unit has been in default of condominium fees for over 3 years. In XXXX XXXX XXXX filed a motion for default against the defendant unit owner. However, the default had not been entered. The condo fees are in arrears for now well over {$6500.00}. XXXX sold the loan to : Seterus , Inc . 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX and now Seterus are protected under safe harbor. The other XXXX retired senior citizen unit owners in XXXX XXXX have no protection or rights and are having to make up the difference for this defaulting mortgage holder every month of every year this goes on. If Seterus forecloses and we can set a viable owner in the unit, this nightmare stops for all unit owners. Again we are asking the Consumer Financial Protection Bureau to assist us in attempting to move Seterus forward with foreclosing on this unit and selling it so that indeed we can start receiving condo fee 's again. Other units have sold for well over the {$66000.00} that we believe is the mortgage amount so there is no excuse for this to continue. Seterus, like XXXX, is dragging its feet on its responsibility for this unit and is causing continuation of unnecessary and undue financial penalty to XXXX other senior citizen unit owners within this XXXX condominium association. This is a horrendous situation where mortgages just keep getting sold off and are protected when the remaining unit owners are not. This should not be allowed to continue. Help us please. 
Respectfully submitted XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-05-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

I opened a Barclay Card Financing credit card in XXXX XXXX and charged {$2200.00} on it. I paid {$200.00} a month and paid it off by XXXX XXXX ( last payment on bank statement attached ). I tried to use the card over the XXXX holiday XXXX but the expiration date was XXXX and it took me XXXX tries to get the correct card which I received after the holiday. I have not used the card since XXXX XXXX as I am paying down my other credit cards. ( I had XXXX in XXXX and was just getting back to work in XXXX ). I received a letter from Barclays XXXX XXXX stating they have closed my account for inactivity ( attached ) and they informed me in a letter after they closed the account. I contacted Barclay with my biggest concern which is that my credit report that I 've tried hard to improve will be adversely affected. They agreed that it will adversely affect my credit report but said they ca n't do anything about it. I waited over XXXX minutes to speak with a supervisor who never came on the phone. I feel this is completely unjustified. After having a sizable balance, paying it off consistently and with a higher than required monthly payment, paying down my other cards so that I can be free of debt and a responsible consumer, I am being penalized by Barclay for no good reason expect pure greed and consumer malice. I feel that Barclays Bank is encouraging irresponsibility with the intention of greed and getting away with it.
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NY)

I own a house in XXXX area of XXXX in XXXX. I have XXXX Loans on the same.The XXXX used to be with XXXX ( I believe the Investor is XXXX XXXX ) and the XXXX with National City, which is taken over by PNC Bank. ( PNC ) I started my marathon Modification effort with XXXX as soon as HAMP was introduced, in XXXX 2009. I made XXXX Trial Period Payments after which XXXX rejected my HAMP Modification. 
Luckily for me XXXX sold the Mortgage to XXXX ( XXXX XXXX ). They were kind enough to give me the Trial Period Payment again, which I successfully completed. XXXX XXXX wanted to get the XXXX XXXX from PNC Bank. PNC demanded {$250.00} for this, which I readily agreed and sent the Check for {$250.00} through XXXX XXXX. 
However I am surprised to learn that PNC refused to give the Subordination Agreement to XXXX XXXX, as mandated by HAMP, although I understand that PNC has signed up with XXXX, an XXXX to participate in HAMP. 
The reason for their rejection is a lame excuse - The Account was Past Due on XXXX or more occasions in the past ... ... ... ''. 
When my XXXX Party called, PNC Rep. was very rude and said they will not do a subordination as the Account is delinquent and the account has to be brought current, to give a Subordination Agreement to the XXXX. It looks like a kind of a black mail, they are doing, flagrantly flouting the HAMP guidelines. The very purpose of HAMP is to help home owners like me facing hardships and giving us a chance to get back on track. They ( HAMP ) did not say that the Subordination Agreement is to be given only to such customers who are not delinquent, whoch would defeat the very purpose of HAMP. 
In the process, my Permanent Modification, which I would have got after a herculean struggle of 6 1/2 Years, is cancelled by the XXXX ( XXXX XXXX ) as PNC refused to co-operate, in total contravention of HAMP guidelines
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I filled for a mortgage modification with my mortgage company, Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they told me my mortgage was not in active modification review after my file had been submitted. XXXX XXXX, at Wells Fargo was my representative but they change it every month. Since that timeI would submit files to Wells Fargo and my home preservation specialist would tell me they do n't have access to my Wells Fargo XXXX Portal. Other Wells Fargo Reps have told me they can see any file I put into my file via the Web Portal. 
My file was submitted and a decision was never submitted through the XXXX Portal. there is no decision on my file. and I am now File. On XXXX XXXX, XXXX Wells Fargo did an interview with me to request extension. they did an interview on me and instructed me to fax them documents. I turned in the documents and spoke to the extension 7 day team. But when I spoke wells Fargo two days later, Monday XXXX XXXX, XXXX they told me it was too late to stop the sale and that my house was in auction as we spoke. I called them XXXX XXXX, and they told me they sold my house in auction. Then I got a letter from them dated XXXX XXXX, XXXX and they were now going to do some research on my house and they would get back to me on if my house was sold. I am stressed out and I cant eat. 
On XXXX XXXX, XXXX Wells Fargo informed me that they sold my house at Auction. I love my home and I want to keep my home. I first bought it in XX/XX/XXXX. This is my XXXX home and its for my son. So this is quite traumatizing. They are trying to sell my home without making a decision on my request for modification.
Consumer complaint received 2015-05-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DC)

Several months ago I moved and attempted to update my address with PNC bank. The initial request on their website did not go through. Around the same time I filed for several chargebacks for unauthorized charges. Because of this lack of change in address and the very short periods of time that they expected me to reply in ( From the time that it was received at my old address I often had less than a day to respond if the date had already not passed ). I thereafter contacted PNC on at least XXXX separate occasions requesting that they update my address - Via phone, mail, online, and in person at XXXX of their branches - My address has still not been updated more than XXXX months later. Because of this I have was unable to complete the disputes " in a timely fashion '' and they were closed. In addition these disputes are now ineligible for me to file again because the XXXX filing period has passed. As such I am now out over {$2500.00} because of their mistake - They have now closed the account and are attempting to collect this amount ( The provisional credits for the disputes were reversed because of a lack of a timely response ).
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX reached out to our office with concerns regarding an upcoming foreclosure auction and her attempt to work with her servicer ( SPS ) on a pre-foreclosure retention option or liquidation. XXXX is experiencing a valid hardship and has suffered a severe reduction in income. The property is still owner occupied and has been maintained. Upon speaking with SPS, they are unwilling to postpone the upcoming auction so that XXXX can complete a HAFA short sale. The property has been listed and with a recent price reduction, we are expecting an offer. We feel XXXX should be given a fair chance at completing a pre-foreclosure sale and we are asking that SPS give her more time on the review.
Consumer complaint received 2015-11-04
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Elly, LLC (HI)

I rec 'd a loan from dollar quick in XXXX XXXX loan was for XXXX. last month I revoked my authorization for any funds to be withdrawn from my bank acct ( XXXX, XXXX, hi. ) I asked for balance on acct and how much paid to date. they did n't respond to me. They ignored the revocation and went ahead and took money from my acct XXXX. I asked for my money back and again balance, amt pd and mailing address so I could just mail in payments. to date they still have not responded to my request. their phone # is XXXX pls help me here. thank you XXXX XXXX
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc. (IL)

I was told by XXXX, that they would run a credit application to get us financial approval to install a new roof on our home. XXXX called back a few weeks later and said we were approved to get the work done! I asked them how much was the approval amount! They stated XXXX! I also asked them, what would be the monthly payment, they stated XXXX dollars! The contractor stated that they would send a crew out to start the job in a few weeks! A few weeks later, they did start the job! Their entire crew only ended up being XXXX guys! These XXXX guys rushed to hurry up and finish the job! They were on top of the roof during the late evening in complete darkness hammering and nailing! The contractor told them to rush so that they could meet the deadline to start the next job! And that is exactly what they did! They did a terrible job, and the quality of work was bad! We did n't receive any paper work until the job was done! The Paper work was not the same! We received different papers on XXXX different occasions to sign! We did n't have the option to to cancel the job in the 3 day period that was stated in the paper work! We did n't know about that option until after the 3 day period had already expired! We did n't think we had a option to decline, especially since the work was now completed! Then we made the first payment of XXXX dollars to Aqua finance company, instead of the pay off amount going to a lesser amount the pay off amount went up in price to XXXX dollars! Then we received a bill statement outlining the details of the loan! The XXXX dollarso only went toward the interest rate, instead of the pay off balance! In order for the payment to go toward the interest and the pay off balance, we must pay the minimal payment of XXXX dollars instead of the XXXX dollars! We are also being charged XXXX dollars late fees for payments not received within 10 days and our APR may increase to the penalty APR of XXXX percent! I blame XXXX for setting me up with this predatory lender Aqua finance! My credit score was XXXX during the time the roofing work was approved! I also got approved to buy a XXXX dollar vehicle during the same period! I really beuylieve, I should have got a better financing option than what I was offered! The worker from XXXX XXXX stated we always go with the first approval! This first approval, is set up for me to fail! This is a total rip off! Please help me get a fair and reasonable loan which is not going to take advantage of me
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My credit card number was used fraudulently in XXXX 2015. Capitol One notified me of the charges and I identified all XXXX of them. I was given a new credit card with a different account number. But Capitol One incorrectly noted the charges as " adjustments, '' so they have shown up on my bill as " purchase adjustments '' instead of " fraudulent charges/credits. '' I have spoken to them XXXX times about correcting the error, which now has been duplicated several times. There is a cycle of incorrect " charges '' and " credits. '' The issue has been with Capitol One 's fraud department for several months, but it is still not resolved. My statements are incorrect.
Consumer complaint received 2016-03-30
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (IL)

I have been trying to get XXXX to work with me to help me repay a loan which I believed was still with my original lender, Great Lakes, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the XXXX person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.
Consumer complaint received 2016-03-15
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (NJ)

The PHH mortgage company always does deceptive things that go against the CFPB rules and regulations. They lie to buyers trying to refi and/or get a mortgage that doctors notes are required when they say they are on XXXX, they deny loans to women when they find out that they are on maternity leave from their job, they lead borrowers to use their title company ( which they own XXXX % of the title company ) without telling borrowers that they get a kickback on people using the title company, they have loan processors giving borrowers rates when the processor are not licensed to do so and they have non XXXX speaking non licensed customer service reps who mess up the escrows on accounts so that after the first year when the escrow is messed up they foreclose on your home.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally notify you of fraudulent activity on my credit report as a result of a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the fraudulent account and credit inquiries listed below.

Fraudulent Account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

After my Chapter XXXX was finished, my first payment to Ocwen was due XXXX 2015 for {$1300.00}. Ocwen will not accept my payment stating that I had late payments due. According to Court documents from the Trustee of the Bankruptcy I no longer was in arrears with Ocwen and I was to resume my monthly payments. I set up for automatic draft withdrawal and on XXXX/XXXX/15 I received notification from Ocwen that the withdrawals would begin on XXXX/XXXX/15. I recently changed the date of withdrawal to be on XXXX/XXXX/15. On XXXX/XXXX/15 I received another letter from Ocwen stating that the systematic withdrawal would be discontinued because the loan was past due. I check my account online and they are claiming I owe them {$4200.00} in late payments. I am tired of dealing with this company. I will not call them because I feel as though they do n't know what they are doing, and it 's very difficulty to communicate with them. I have worked hard for 2.5 years during this bankruptcy to catch up and make sure I was able to keep my house. Now again I am facing the same problems I faced 3 years ago. Why this company is still in business is beyond comprehension.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I closed a XXXX loan in 2013, and XXXX did not require me to obtain XXXX Interior Condo Insurance. 2 Years later SLS is threatening to force place this insurance on my property because it 's their " Policy '' for me to have it when my note does not contain this requirement. It 's not fair to change the rules in the middle of the game.