davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (DE)

I applied for a mortgage at a XXXX XXXX branch on XXXX, XXXX XXXX, loan number XXXX, I was approved and received a good faith package in the mail. A week later I called XXXX XXXX to get details of what documents they would need from me but was told the loan was denied due to a pre-forclosure from American Home Mortgage, that was on my mortgage credit history, however when I pull my credit I do not see this so it 's somehow hidden when the cosumer pulls a copy of their credit report and only showsup when creditors pull a mortgage credit report. Also, American Home Mortgagechanged their name form this to Homeward Residential, which my account number was listed under # XXXX, and is now listed under Ocwen Mortgage Servicing, Acc # XXXX. Please note that I have never been in pre-forclosure for this mortgage.. It is my strong belief that Ocwen is allowing this to be reported to keep me from refinancing my current loan that has a high 7.5 % interest rate. I do not see this information when I pull my consumer report, but mortgage companies see and inquirer about it when I apply for credit and have previously asked for an explanation. American Home Mortgage Homeward Residential and Ocwen all have a history or unethical mortgage servicingpractices along and AHMSI and Homeward faced a a class action law suit, one of the reasons they keep changing their name and reorganizing their business.
Consumer complaint received 2015-06-15
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I received a voice message from a person calling herself XXXX XXXX stating that she was from a collection agency and she needed to speak to me. When I called back, the same day, she stated that I had an outstanding balance and she had been trying to contact me. She was very aggressive on the call, she raised her voice and over me for the majority of the phone call, she refused to send me anything in the mail ( stating that I was not in a position to tell her how to do her job ), and she stated that she tried to leave me voicemails but could not because my inbox was full, which is completely untrue. The phone call was so upsetting that I was shaking at the end of it. I had no idea what debt she was speaking about as I assumed that I had completed payment of my son 's medical bills in XXXX of 2014. I was able to speak the debtor, XXXX and found that there was XXXX unpaid bill and XXXX duplicate charge. At this time I have no choice but to work with XXXX XXXX because I do not have any documentation from Wakefield and Associates stating what I supposedly owe. I am also not inclined to call them and repeat the same type of aggressive situation again. It is my understanding the the collection agency must send documentation and they must not intimidate. I feel that Wakefield and Associates, specifically XXXX XXXX, are in violation of these regulations. I believe a recording of this conversation was recorded because there was a message at the beginning of my call that stated all calls are recorded.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My XXXX payent was 10 days late. They called me every day and harassed me even after I told them when I could make the payment. XXXX 's payment was on time. Here it is XXXX XXXX and a girl calling herself XXXX called to harass me about XXXX payment. It 's not even due yet! They are so rude and ask the same questions over and over, when you think they are finished they say they need to pass you to a supervisor and then you go through the same thing all over again. I asked why I needed to speak with a supervisor and she said to confirm my information, I think it was just to waste my time and badger me. I did n't choose Greentree, they bought my loan from XXXX. Ca n't wait to be done with them.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (MA)

I have an american express credit card. The limit is {$5200.00}. American Express allows me to go over my limit with out increasing the actual limit. I am aware of credit capacity and how this affects your credit score. I have asked American Express for a limit increase and I have not recieved any correspondence nor any adverse action notices. I have an American Express platinum card that is a charge card with no limit. My credit is good and I am forunate to have good income to support my debt load. I am sending this complaint because I believe this has impacted my credit score and capacity significantly.
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Back in 2010 I asked BOA for a loan modification XXXX. We were financially strapped and after months of being late on mortgage pymts which BOA told me to do my credit was short XXXX & they started forclosure. 9 months later they sent me a letter that they would do a modification- {$1.00} less a month YES {$1.00}, I signed it and not realizing they added 2 years on to my mortgage. I am now looking to refinance and I just found this out. I am furious, want those 2 yrs back & I want out of BOA.
Consumer complaint received 2017-07-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I filed a chapter  XXXX . It was discharged. I sent paperwork to Navient showing the discharge. They put my loans back in repayment mode. I had to ask for a forbearance. They have improperly directed me into the forbearance. I was not properly informed of deadlines.
Consumer complaint received 2015-09-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

On XXXX XXXX, 2015, I received a letter from American Medical Collection Agency ( " AMCA '' ) dated XXXX XXXX, 2015, regarding collection of a medical debt. The letter did not include the notice of right to dispute debt. Instead, the letter stated, " Dear XXXX, you may believe that XXXX will eventually forget about the XXXX you owe for XXXX. However, it is our responsibility to make sure that neither our client nor you forgets this debt. There is no longer any justification for not paying XXXX. Withholding payment is not acceptable. Your lack of response may place your credit record in jeopardy. You can resolve this problem easily before we are forced to take further collection steps. Send us your remittance for XXXX with the bottom portion of this letter, and we will promptly notify our client and remove your name from our delinquency files. Spare yourself further time on this matter. Pay this past-due bill today. '' On the back of the letter it stated, " this is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' However, the letter did not disclose my right to dispute per the FDCPA. The language contained in the letter implies " my lack of response '' will place my credit record in jeopardy. I consider this to be in violation of the FDCPA.
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation (MI)

I received XXXX calls from XXXX XXXX XXXX XXXX XXXX the morning of XXXX. I could not answer the phone as I was at work. They left XXXX voicemail msg. Before I could call them back, they called XXXX of my sons, the person calling left his name, the name of the company XXXX Global Credit XXXX and that he was called regarding MY debt! He left my son with his contact information. My son is XXXX yrs old. Even if he was XXXX, Global Credit broke the law by discussing the issue with a third party.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AL)

The complaint is mostly directed toward Equifax. Financial institutions are aware that they can now make their credit decisions by utilizing just XXXX reporting agency. Equifax historically tends to report the lowest scores and are therefore favored by companies and/or financial institutions when the companies utilize just XXXX score. Additionally, Equifax tend not to update their records to adequately support improvements in the consumer 's credit status and will do so then mostly on a case by case situation when challenged by the consumer. There should be updating and review prior to Equifax sending out information for each new credit report request. Equifax puts this burden totally on the consumer after they have provided their information to the requester. 

While the other reporting agencies tend to give a more objective credit report, those companies utilizing reports from XXXX credit reporting agencies tended to temper or balance the reporting process. However on the other hand, agencies who are more discriminating tend to rely soley on Equifax, which gives Equifax an unfair business advantage relative to other credit reporting agencies. Therefore, implementing a requirement to either use the average of XXXX scores or the median of several credit scores should be revisited. This will address the issue reported herein and not allow XXXX credit bureau to dominate. 

Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

I do not owe Rent Solutions or XXXX XXXX Apartments. I have abided by all contractual obligations and have paid my rent in full covering the entire time I resided at the apartment complex. While living at XXXX XXXX, there were XXXX instances which complex did not provide safe environment : there was damage to my property and my life was in danger by theft and possible fire as a direct negligence of the management. I will retain the right to pursue legal action for compensation if this is not immediately removed from my credit reports. As the result of their unlawful claim which has been reported in my credit history, I have been denied an application to rent in California.
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (PA)

I had a loan with myloansite.com. I had issues paying the amount of interest and made an arrangement back in XXXX to pay {$100.00} mo. I have since paid over {$500.00} owed. The original amount borrowed was {$1200.00}. I made an arrangement to pay over 2800 as that was the best that they would do. This month due to the holiday my pay was in XXXX as opposed to the end of XXXX. I told them to take the money out on XXXX XXXX. They say I was to call again. So now they are saying I am in default, that I owe {$300.00} every two weeks and that I owe almost {$5000.00} and climbing. I can not do this! They will not assist and want more, almost 4 times what I borrowed.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

My hardship involves a variety of factors. My hardship was triggered with job layoff several months ago. It was compounded by with me having to move from XXXX to XXXX to find new employment. 
While the factors above are indeed significant, they pale in comparison with the biggest hardship of all. Despite making mortgage payments for approximately 10 years, I have absolutely NO equity to show for it. This has been a lopsided agreement, PNC has reaped all the financial benefits and I have n't shared in any of the harvest. I 'm underwater by $ XXXX. This is based on XXXX XXXX market analysis assessment. Over the years, I have paid PNC XXXX dollars for this property with absolutely nothing to show for it. A reasonable person would call this insanity and financial suicide. If PNC were in my situation, they would find this difficult to endure. 
Through no fault of my own, I find myself in this nightmare situation. As you know, the Banking Industry, Mortgage Companies, Investment Houses, XXXX, and Rating Agencies worked in concert to cause the Housing Crisis. The product of your efforts resulted in XXXX XXXX citizens like me having nightmare mortgage situations. The US Government bailed out XXXX XXXX and the Banking Industry and for the most part left XXXX XXXX out in the cold. PNC predecessor company, XXXX XXXX XXXX XXXX XXXX XXXX, played a prominent role in this nightmare. PNC purchased my original loans from XXXX XXXX XXXX. XXXX XXXX XXXX track record for bad mortgages is well documented and resulted in Class Action Lawsuits. Minorities like me were particularly hard hit with these bogus mortgages. 
Citizens like me have suffered far too long without any help, despite our pleas to Banks, HARP and other agencies. I urge PNC to please take this opportunity to do what is right and change this course of destruction. Let 's get this done.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my Forth formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XXXX XXXX, XXXX and XXXX XXXX Credit CardJun XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this forth time will pave way for a suit.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (IN)

I decided to re-fi with Lending tree. I was called by Royal United Mortgage and started the loan process. They quoted 3.25 interest rate. They requested the usual info, 2 yrs taxes, XXXX 's, XXXX 's, bank statements and social security info. I took pic 's of all that with my phone and sent it to XXXX XXXX. Over the weeks I would talk to a XXXX also. He would request info I had already sent and I would have to send it again. I was told the appraisal would cost {$390.00}. So I paid it. Then I was told another {$130.00} because it 's a duplex. Paid that too. Then I received a email on some of the paper work and noticed my interest rate was now 3.50. When I called I was told it was n't locked in because they were waiting on the appraisal to come back. I was ready to cancel everything but XXXX XXXX called and gave me the 3.25. He failed to mention that would cost {$4500.00}. I was also told to expect my escrow from XXXX XXXX XXXX to be mailed to me as soon as they were paid off. That did n't happen. XXXX XXXX told me 2 weeks later that they notified Royal united they would deduct the escrow from my mortgage balance. Someone failed to tell me. Even the closer told me to watch for the check. I called XXXX XXXX right after closing and ask for a hard copy of the appraisal for my records. He promised to send it right away. That was 3 weeks ago. A few days after closing XXXX rec 'd a letter from Social security. It seems XXXX XXXX opened up a online account in my name. Why? XXXX XXXX said it was to verify my amount I rec 'd every month. PROOF. I had sent them XXXX items of proof. # 1, awards letter stating what I would be receiving for 2015. # 2 XXXX from S.S. # 3, bank statements # 4 taxes. What more proof was needed. He told XXXX XXXX I gave him permission. THAT DID N'T HAPPEN. I went with their mortgage co. in blind faith. I had never heard of them but they were tied with Lending tree who is well known. They took advantage of that. I am almost XXXX yrs old. I have never had such a nightmare with a mortgage company like Royal united. Now when I call there, they wo n't answer. That 's why I 'm taking this next step.
Consumer complaint received 2015-04-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

In 2005 we were rushed through a mtg refinance and were never made aware of adj rate mtg. In the last 3 yrs denied refiance with Bank of America as we were under water on the loan and not Freddie or fannie backed so do not qualify for gov ref programs. BOA lost lawsuit, atty general said set aside $ ( in XXXX ) & help cust with unfavorable mtgs. They have refused and set me up for mod which we denied due to pymt were XXXX from original amt that we were struggling with, so XXXX pymts are impossible. BOA refuses to give us better pymts & lower int rate. Per US Legal BOA is violating court order. We want to retain home. not interested in short sale or deed in lieu, which was explained to BOA. BOA does not respond to e-mails they hav to send via portal which does not work on computer & their rep said it does not work on all comp, yet refuses to send because not secured. Have to answer ton of question to verify identy before they will talk to you very frustrating, they only need XXXX piece of info for validate. They are not lowering pyments or interest and CEO does not call or answer mail send directly to him. WE have defaulted on credit card payments to try to make mtg pymnts. Offer of mod in XX/XX/XXXX/XX/XX/XXXX was denied & BOA has not restored payment to original amt, we denied with several representatives & told denial will return pymts to original amt never happened. BOA has done XXXX drive by appraisals & all different values XXXX done by same person. Home is worth more than appraisals & appraisals are not correctXXXX is more than appraisals. Our loan is not Freddie or Fannie backed so do not qualify for gov mtg programs. Per US Legal BOA sets customers up for failure so they can foreclose.
Consumer complaint received 2015-06-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (VA)

I subscribe to a credit monitoring service and was recently alerted that a hard credit inquiry from XXXX/XXXX had been registered on my XXXX credit report. After doing some initial research, it seems that other consumers have identified this bank as XXXX of the lenders behind the PayPal " BillMeLater '' feature. While I am a PayPal customer, I did not sign up for this feature nor did I authorize them to pull my credit. I have disputed the inquiry with XXXX. I want to make sure this inquiry is reversed and no account is opened as a result to prevent fraudulent use of a financial account established using my identity.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

We were tricked into accepting a high interest rate mortgage with Huntington Bank. Their employee outlined a plan for us to mortgage out of our land contract, then do a cash-out refinance on the new mortgage, something we could not have done on the land contract. His advice was for us to take premium points ( a higher interest rate XXXX on the first mortgage and use the bonus cash to pay the closing costs. We would then immediately cash-out refinance at a lower interest rate due to a points purchase, and pay closing costs as required. The net effect of this plan is to bypass rules against cash-out refinance of land contracts, and to avoid paying closing costs XXXX times while doing so. The day before our right of rescission was to expire, the employee confirmed his plan to be correct. Even when specifically asked whether or not seasoning was required before we could refinance, the employee confirmed it was not, that we were a special exception and we could proceed as planned as soon as our right of rescission had expired. The day our right of rescission expired, the same person told us we can not proceed as he had planned due to a requirement that our loan season for XXXX months before we can refinance ( seasoning ), that he had made a mistake and was sorry.The net effect of this trickery was that we now are stuck with a high interest rate mortgage. 
This person 's supervisor corroborated his plan prior to its execution and is culpable in his wrongdoing. 
We believe we have been intentionally tricked into this high interest rate product. 
This is not a hearsay situation, we have voicemail messages, text messages and witnesses ( including a notary public ) to a conversation which all prove the employee was intentional misleading for his own and his bank 's greater profit.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (TX)

I attempted to make a credit card payment for {$150.00}, XXXX payments were submitted : XXXX for {$140.00}, and XXXX for {$150.00}. I immediately called PayPal to correct the payment and was informed there is no possible way to correct a double payment. I only submitted and authorized XXXX payment for {$150.00}.
Consumer complaint received 2015-11-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

supporting documents for case # XXXX and # XXXX. 
In the attached documents they prove my wife was XXXX XXXX. Included is our marriage license. XXXX XXXX committed ID theft and forged my signature. Her actual name is XXXX XXXX. It is how they hid the loan documents from me. I made SPS aware of this and with the police report and they are continuing to defend the fraudulent loan. look at the dates. My marriage Cert is XX/XX/XXXX. XXXX XXXX Fraudulent faxed letter is XX/XX/XXXX. A clear pattern established of forged documents and ID theft and the bank is denying it. I demand an investigation into the origins of this loan. Please assign me an investigator. I am waiting on the DA and Federal Attorney to do there job but see a civil case as my rights have been violated civilly. Thank You XXXX XXXX