davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

We contacted Caliber Home Loans to apply for a home mortgage to purchase a new home and were fraudulently misled with regards to the loan terms. We made it specifically clear that our intent in requesting the mortgage was to purchase a new home, and we would then immediately sell our current home, and apply those proceeds to our new mortgage. Because of this, we needed a mortgage that would allow us to make a large lump sum payment once we sold our home and lower our monthly payments going forward. Once we sold the house and made the lump payment, Caliber refused to honor the terms promised to us by our loan officer, and will not lower our monthly payments despite use making our large lump sum payment, and have instead shortened the duration of the loan rather than lowering the monthly payments. Despite repeated requests for resolution, Caliber has refused to honor the terms promised to us by our loan agent though our loan agent has confirmed that the loan terms we received were not the terms that we requested, were promised, or were told that we were signing. These are fraudulent and predatory loan practices taking advantage of the consumer, and we are requesting assistance in resolving this issue.
Consumer complaint received 2017-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WI)

I have asked for a history of our payments twice now so we can see what we have paid in late payments, how much we owe and when we can get our PMI dropped. Both times they have told us due to our bankruptcy judgement they can only send us XXXX type of history but not what I am requesting, yet neither time that they have said they will send us what that can have we received anything. How can I get some information about the mortgage we are paying on, some what to see what we have been paying and how those payments are being applied. They seem to be able to send us info on our escrow account, when those payments change, how come we ca n't get any info on the mortgage Itself? 

XXXX
Consumer complaint received 2017-03-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KS)

1.When researching my complaints I found that my last payment date was XX/XX/2017 and next payment is listed as XX/XX/2017.I am on a SAM, my payments are by bank draft & this worries me that they will not deduct my XX/XX/2017 payment and find me at default. 2.My annual escrow statement has an incorrect deduction for a projected payment in addition to the actual payment from my actual ending balance.Their website shows the correct escrow balance and the projected escrow balance for XX/XX/2017 should have an overage of XXXX above the required cushion of XXXX. ( 3 ) An appraiser tried to set up a meeting to appraise my property when I was negotiating the SAM agreement, he told me the prior appraisal was false, the SAM was signed without the additional appraisal but I 'm still be charged over {$400.00} for the incorrect appraisal? ( 4 ) When I was trying to get a federal mortgage modification they were sending my payments to a suspense account. I finally agreed to a SAM agreement.The SAM agreement did not include my suspense account and ended up being more than my original loan balance. I was told that once the papers were signed that the suspense account payments would be applied to the balance and it would reflect a much lower principal balance than reflected on the SAM. But those payments do not seem to have been applied to the principal. That was a lot of money to disappear.
Consumer complaint received 2016-05-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CT)

I have been in the process of obtaining explanations for questionable activity on my account. Obtaining a valid explanation has proven to be a daunting process until I filled my last complaint through the CFPB. Now that a line of communications has opened up and Shellpoint Mortgage Servicing company is willing to start addressing the customer service errors, I have drafted a list of the banking transactions and personal customer service errors the account has experienced. 

Please find a RESPA Qualified Written Response letter laying out the concerns over the accounts servicing errors.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credence Resource Management, LLC (GA)

I get alerts from XXXX website when activity takes place on any of my credit reports. A debt being collected by Credence Resource Management for XXXX was due to fall off and I received an alert that they removed it and put it back on, causing it to be re-aged which is a violation of the FCRA. See attached screenshot.
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

Ocwen Loan Servicing, and its Agents, and Legal Representatives are fraudulently misapplying mortgage payments an my Account ( Loan # XXXX ). 
Documentation from Ocwen in XXXX XXXX, XXXX states my Principal balance is about {$140000.00} and I was {$4700.00} in arrears 3 Payments ( Not True ) XXXX XXXX, Ocwen stated I was 4 payments in arrears and the amount was {$5900.00} plus Attorney Fees ( stated by Paralegal ) Again not true I have paid XXXX, XXXX XXXX and XXXX XXXX payment above principal and Interest due, I have being paying Ocwen XXXX above normal payment amount only to stop the Harassment and intimidation to attempts by Ocwen to get a Modification agreement signed by me, and increase term of loan by 40 years XXXX XXXX, met with Ocwens lawyer, and gave him documentation that I was ahead of schedule on a Amortization schedule of original loan. 
Ocwen and their Agents, as well as the Attorney have altered my loan payments, by going in the account and REV ( which according to Ocwen, stands for Reversing the payment ) Now Ocwen is stating my Principal Balance is {$140000.00} I would ask for Forensic Accounting of this Account, however a sixth-grader can see these figures have been altered. I have been making payments, however my Principal is going up?
Consumer complaint received 2016-05-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX I signed up with Capital One Auto for a vehicle loan on my XXXX Chevy Tahoe. Everything thing was setup and good to go. I made my first payment via the phone and also a few other ways in the beginning. I then was referenced to the CapOne360 APP so I downloaded it and my payments via that ... .so I thought. It seemed the the APP was not taking my payments due to some sort of malfuction which then cause a spree of 30 day late payments. Me not knowing any better I began to pay through XXXX XXXX and via XXXX XXXX app. Come to find out I had been behind on a total of 9 or so months. I informed them about the APP and it seemed to be a issue that others had as well. They reset it then I did n't use it anymore. Then through a sequence of events the car ended up being repossessed on the day that the payment was due, in which I called that day to make the payment and they seemed to had already taken the car. The rep I spoke with said that I could pay at anytime on that day. I had no idea that it was that late I had just been paying the monthly amount. So after the car was repossessed in efforts to get everything squared away via my account and credit report I then spoke with a rep that said, If I paid the full amount due instead of the program and stayed current going forward that the repossession would be removed and the 30 day lates would also be removed due to the APP. Since then I have spoke with XXXX reps from the office of the president who looked up the information, and listen to the phone calls, but since I did n't have a name and ID they could n't honor it when i 'm XXXX sure I was told such. Since XX/XX/XXXX I have remained current and have had no further issues, except the inability to get those remarks removed. I spoke with XXXX and XXXX other individual
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/2015 {$590.00} was taken from my checking account without my authorization at Wells Fargo Bank. When I called to see why the money was taken out, thy said they could n't give me any information, but it was for a product I purchased. I did not purchase any products for {$590.00}, nor did I authorize that amount to be withdrawn from my account. And they would not give me any details on this product that I supposedly purchased for {$590.00}. That was appalling to me! I had to close my checking account, because it was obviously comprised and I opened up a new checking account at Wells Fargo. I am furious that {$590.00} was taken from my account and never refunded and to this day- I still do n't know what product this was for!! Wells Fargo took money from my checking account without my consent and they only told me it was for a product I purchased, but I did NOT purchase any other products with Wells Fargo. Recently on the news, there was a scandal at Wells Fargo and it was around the time this money was taken from my account- I think I was scammed like thousands of other customers and I want to be refunded {$590.00} for the fake product that I never purchased.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (TX)

My credit card account was closed abruptly and I called the bank but they did not have any information to provide other than saying a letter has been sent on XXXX XXXX but that does not help me. 
For this card I pay an annual fee and I have lots of rewards associated with this credit card account. I have always paid on time actually paid mostly ahead of time and If Barclay wanted to end relationship they should have informed me ahead of time so I would have moved to another company. I have followed every policy and Barclay by ending abruptly is gaining more than XXXX $ in rewards which they have refused to give me back as they claim that can be redeemed only when account is open, but the account was closed by Barclay not me so they taking my rewards is not a fair for me. I choose to use Barclay for my purchases only for the rewards otherwise I would have moved to XXXX XXXX or XXXX etc. 
I believe Barclay has scammed many customers like this as I see this is a pattern of behavior exhibited by Barclay. The only reason I was with Barclay was for the rewards as I do have high spending purchases and it makes sense for me to get the best cash back in term of rewards for my purchases which help offset my cost. I have more than {$3000.00} spent on travel and could have easily redeemed the {$600.00} rewards had they provided me a notice for their intent to break the relationship. I spoke to a supervisor XXXX from Barclays and she mentioned that they are unable to help as account is closed and there is no much she could do. Barclay did not attempt to call me or even inform me of this, I happened to know that my account was closed when I had logged in to their website. I also want to clearly state my account does not have any disputes charges every purchased are verified purchase and authorized purchases. With Barclay holding my rewards it puts me at a tough spot as I am not willing to sacrifice my rewards for a scam bank like Barclay. I am reaching out to seek your help me get back my rewards and annual fee of {$89.00} back for the mistake done by Barclays and also put an advisory to consumers on how these companies are scamming individuals. The total miles that barclay did not credit me was close to XXXX miles including the 10 % which I would have got back for redeeming towards my travel purchases. i would like to see {$680.00} posted as credit to my account.
Consumer complaint received 2015-08-23
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Transfinancial Companies, Inc (LA)

The account in question is medical in nature. My son 's ( XXXX ) were seen by the doctor both received blood test for XXXX. The bills were submitted to my insurance company ; insurance rejected both claims, when I called about the rejected claims I was provided guidance on what the doctors office would need to do so the claims could be paid. The doctor corrected XXXX claim but not the other, I fought with the insurance company, the doctors office and the debt collector for XXXX yrs. Keeping all entities informed of the issue. Ultimately I paid the bill, the debt collector placed the account on my credit report as a late payment that will not be dropped off my report until XX/XX/2021.
Consumer complaint received 2017-02-02
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (NC)

Collection Agency : GC Services Limited Partnership XXXX, XXXX, TN XXXX BACKGROUND : For the past decade I have been harassed by collectors for an alleged student loan debt, a small XXXX, that was paid back by my parents in XX/XX/XXXX-XX/XX/XXXX as a graduation present. ( I graduated from XXXX in XX/XX/XXXX ). 

XXXX did n't contact me until almost XXXX years later. claiming I owed this debt. Naturally NO ONE has their banking and financial records from that long ago! Which of course, is why this scam is so insidious. 

And by then, my mother, who always handled the family finances, was suffering from XXXX XXXX. 

This latest collection agency I responded to immediately, as I always do, reiterating I DO NOT OWE THIS DEBT. 

They sent me back a collection notice, to which they attached a FAKE PAYMENT RECORD, which allegedly shows I made one payment of {$26.00} in XX/XX/XXXX 

Fortunately, I still have the same bank ; and they have just mailed me the proof that no such payment was ever made by me to the Dept. of Ed. or anyone else. 

It is SO UNFAIR AND OUTRAGEOUS that almost XXXX decades after the fact " someone '' can just " decide '' I owe a debt that I ( or anyone else! ) can no longer prove was paid! This would not be allowed in any other kind of debt. 

But fraudulently creating a document in order to " show '' something that never happened is really just too much. I will fax you the proof from XXXX that I never made any such payment on this debt I DO NOT OWE! 

I am securing a legal aid lawyer to stop this bogus debt collection once and for all. When I complained to the CFPB about this bogus debt in XX/XX/XXXX, you passed it on to the Department of Ed ombudsman, who did nothing except send me a copy of my loan application, which of course, PROVES NOTHING ABOUT WHAT WAS PAID BACK AFTER THE LOAN WAS TAKEN OUT!! 

But I would like some action, some censure, SOMETHING against this debt collection agency who is making up false financial statements!!
Consumer complaint received 2016-05-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

It is with great regret and frustration that I write to you requesting help.I must begin to tell you that I am a victim of serious health problems and predatory lending, I shall attempt to describe the circumstances which occur and were beyond my control. I was enticed into a loan by a company called XXXX. I signed a negative amortization loan. A couple years later I owed more than the house was worth. It was also and is today a 9.99 % loan. 
I was unable to sustained my monthly payment. I became extremely ill in XXXX with a XXXX condition. I had XXXX. This a XXXX. I was no longer able to XXXX at my XXXX office a full XXXX hours. 
Due to my XXXX condition, I was required to XXXX. In XXXX XXXX I had XXXX. I had physical limitations due to XXXX. 
My work load was reduced I began to default on my mortgage. I attempted to resolve my delinquency to no success I am recuperating and working now and I am asking for another chance. I am regaining stability. I want to keep my home. The bank does not want to hear or see that these were circumstances beyond my control. I am asking for another chance. 
Please review and advice.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is not working with me at all! I have filed charges before and all they do is send me copies of past modified they have done! they have tried to sale my house from under me! Saying they sent letters to me which was untrue! I have showed extra income needed and they still wo n't help! This has been going on with a very large past due owed on my little house and the appraisal is n't for a legal duplex all! Someone wants my house badly enough I will do whatever it takes to save my house! These banks take advantage of people and it 's not fair! Help me please! XXXX XXXX
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I filed for acceptance in the XXXX program with my servicer, Wells Fargo Home Mortgage. I was denied acceptance into the program for the Underwriter intentionally miscalculated and included my bankruptcy payment. They had been notified that the bankruptcy was to be dismissed, not discharged, on XXXX XXXX, 2016. Not once was I offered assistance with the XXXX Program. I contacted the XXXX number and was counseled by XXXX XXXX. I contacted XXXX and am now awaiting assistance from a XXXX who contacted me on XXXX XXXX. XXXX XXXX, who is assigned to work with me at WFHM stated I was denied for the XXXX because my investor rejected it. When I asked her the name of my investor, she stated XXXX FHA. On XXXX XXXX I received a call from XXXX stating she was with the XXXX XXXX of XXXX. She conferenced XXXX into the conversation and prompted her to look for the qualifying criteria for the HAUP. XXXX ( after stating to us she was familiarizing herself with the program while on the phone with us ) stated to me in order to qualify for the XXXX that I had to be actively seeking unemployment and that 's the reason I was denied, for I did n't state on the documents that I was actively seeking unemployment. I thereby stated, " Anyone with common sense knows that if you are receiving unemployment in the state of Texas, job search is a requirement and nobody told me that I had to state that on the documents that I faxed in to them for the HAMP program. Nowhere on the forms does it ask are you actively seeking unemployment. '' What kind of games are they playing? 
I submitted all requested documents timely. The point is .... Although I submitted my award letter from the State of Texas verifying I was unemployed ... Wells Fargo FAILED to consider me for the Unemployment Program. 
I was transferred to the Special Forbearance Dept of Wells Fargo by XXXX on XXXX XXXX and spoke to someone who identified themselves as XXXX XXXX. He assured me someone would contact me on XXXX XXXX. No one ever called. Now I 'm being told to resubmit paperwork for an appeal. Why do they send people through this unnecessary stress? 
Did n't the Federal Government allot monies for these programs so the investors at this bank would be compensated? 
They never offered to extend the duration of my mortgage to lower my payments. 
They never offered to reduce my interest rate to lower my payments. 
Their only offer is a short sale or deed in lieu for my home! 
It 's as if they intentionally SET THE HOMEOWNERS UP FOR FAILURE! That is their intent! 
Now, I do n't trust them to have my best interest in assisting me in keeping my home. 
They are going to get their money, just work with us, but ... unfortunately, they do n't seem to care. 
My prayer is XXXX XXXX for Wells Fargo Home Mortgage. 
Shame on you Wells Fargo Home Mortgage.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (OR)

After multiple requests, Evergreen Professional Recovery has contacted me during working hours to try and collect a debt. I 've tried working with them and have let them know when they can call me ; however, they continue to call during those hours. The response I received from the representative when I told them when they could call, which is during their business hours, was simply unacceptable. Never should a representative say they wo n't call when the time that is given to them is technically during business hours. I even let them know and asked them to make a note that if they called during the hours I work I would seek legal action as it disrupts my job in XXXX.
Consumer complaint received 2015-08-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I was told this collection account can and would be removed and it was not -- -delete it. 
Violations -- -XXXX XXXX -Does not show XXXX balance. Does not show paid. XXXX 2015 and XXXX 2015 monthly reporting indicators state " failed to pay '' -- -delete it. 
XXXX -- -States date assigned XXXX 2015. -- -delete it. States open -- -delete it. Payment status states late 120 days -- -delete it. Type of loan states XXXX XXXX -- -delete it. States delinquency XXXX reported XXXX 2015. -- -DELETE it. 
XXXX -- -States XXXX failed to pay /late '' in XXXX 2015. 
Please advise the above XXXX + violations.
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

In late XXXX, my mortgage was unilaterally sold by XXXX XXXX XXXX to Carrington Mortgage Services. I received a bill for my payment due in XXXX XXXX. Today is XXXX XXXX, XXXX and I have not received a XXXX bill. I called Carrington to ask why. They said that its because there is a bankruptcy " on my account '' and I have to write them a letter requesting to get bills before they can send. The bankruptcy was my wife 's ( she 's on the loan, too ) and was from XXXX. We 've never missed or been late on a mortgage payment in over 5 years. So, let me get this straight? I was paying my bills on time and XXXX bank sold my loan to another bank without my consent. And now, if I want to receive a bill to know what 's going on with my loan, I have to write a letter? That 's ridiculous. Carrington 's supervisor told me that the bankruptcy law had changed and this was required, but when I asked for a citation she could not provide XXXX. So, I asked her to send me a request in writing stating that to get bills I would have to write a letter due to the law requiring it. She refused. This was " XXXX, '' a supervisor. I do n't know what this is about but I 've been doing research and can not find any law requiring such a letter. I just want to get a bill so I can pay it.