davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (NY)

I joined XXXX XXXX XXXX on XXXX 2014. before i did it I asked particularly if there any contract, they said " no ''. I signed permission to collect monthly payment and paper for health condition. of course I never saw any contract, since there where no contract as they were saying. on XXXX I wanted to stop visiting GYm. They told me to write a a letter to themand send it with confirmation. There where snow storm alert and post offece was not working. So they received it later certain day. Monthly payment is {$20.00}. Where this amount come from I have no idea. 
I spoke to collection department they said this is anually payment. they do n't anything this is the amount their client want. i spoke to them 2 times, and refuse to pay this amount without any explanation. XXXX send me contract with no signature or any place where the signatury supposed to be.
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

When the debt collector contacted me, she was extremely rude. I have asked several times for someone to explain this debt and how I owe it. They refuse to tell me where how I owe this debt. They are extremely unreasonable and I ca n't get any information when I speak with them. They just yell at me to just pay it. I need information on why I owe this amount
Consumer complaint received 2024-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

XX/XX/XXXX Mr Cooper sent me an email with a video of my escrow change and their error of a shortage of almost XXXX. I used the live chat to determine when that goes into effect and it's XX/XX/scrub>XXXX  So no notice whatsoever. My taxes have barely changed over the past year and my insurance has also not changed much. So even if I shell out the escrow shortage they somehow calculated wrong, I still owe the highest mortgage payment I've ever had with no notice and no correct explanation as to why such a hefty increase. The tax total they spouted out is not the bill I received nor has it ever been that amount in my entire existence of home ownership here. That is a gross error on their part. I'm now stuck paying almost double for a FIXED RATE MORTGAGE because they are negligent. Not like I can shop around either, but they of course can buy my mortgage and XXXX me over at the first opportunity. All I hear are about the class action lawsuits and shady business practices from this company as well as their name changes... convenient. I have provided documentation as to the tax documents... of course it's a ticking clock that they can take their good old time with though ... advance notice should be a requirement with communication. They have no issue bothering me via calling my phone or email for nonsense refinancing efforts and spam messages, but close to nothing when it comes to increasing my payment to almost double what I pay now. Disgusting way to handle your customers that literally get stuck with them through no choice of their own.
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

On XXXX XXXX 2016, I received a letter date XXXX XXXX 2016 from Ocwen Loan Servicing. This letter reflects a pay off quote valid through XXXX/XXXX/2016. 
First, I did not request a pay off quote from Ocwen Loan Servicing. 
Second, this pay off quote show a principal balance of {$140000.00}, interest - {$220.00}, satisfaction cost {$42.00}, payoff fee {$30.00} and a deferred principal balance of {$110000.00}. 
Now, what is a satisfaction cost and a payoff fee? Why are we getting charged for these fees when I did not request a payoff quote? It appears that Ocwen is charging us un-necessary fees! Is Ocwen Loan Servicing trying to harass us because of the numerous complaints that we filed against them? Is Ocwen trying to force my hand to take Ocwen Loan Servicing to court? I request that these fees not be added to our loan. We are not planning to pay off this loan or sell our home. We are continuing our investigation into mortgage fraud, robo-signing to name a few. This complaint IS NOT about mortgage fraud nor robo-signing so do NOT address this issue. Ocwen must address this complaint only and not address anything else. If Ocwen address anything else that is not related to this complaint, it will XXXX even more and more complaints will be filed against Ocwen!
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (NM)

I was charged XXXX apparently for a XXXX. Cent overdraft fee. Then the " service charge '' that ive Never been charged before kicked in, resulting in the bank pulling my rent back into my account so they could charge me this " fee '' I canceled my account and will be banking elsewhere after 20 years of loyalty ... XXXX compass!
Consumer complaint received 2016-07-16
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Onity Group Inc. (WA)

XXXX XXXX continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with XXXX and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.
Consumer complaint received 2016-07-15
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

I received a Pay Day loan of {$550.00} and could not pay on due date so I started to pay little at a time until I was left only with {$180.00}, on XXXX XXXX 2016, Advance America deposit my check withdrawing from my account {$550.00}, I immediately went to the office of Advance America and they told me that 's the way they do business. Question, is this legal procedures? I was planning to take care of the {$180.00} the end of the month.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (TX)

I paid off my loan in full with Roundpoint Mortgage on XX/XX/year>. 

After getting few legal documents, I kept waiting for ~ {$8000.00} refund of all the funds I had sitting in my loan escrow account. 

Waited about XXXX weeks and called them on XX/XX/year>. to discuss why I have not received the check. Since then, I have made 4 calls to address this issue. Two of the customer support reps were NOT PROPERLY TRAINED to understand the issue. They provided either INACCURATE or INCOMPLETE information. The other two seemed more advanced and more helpful. The in-experienced ones were literally making up stories on the call.

I am now facing an issue of CHECK FRAUD. The check mailed to me by Roundpoint mortgage has supposedly been lost and looks like SOMEONE ELSE HAS CASHED MY ESCROW REFUND check.

Depending who I talk to, I get CONFLICTING stories of what is the real situation. i.e if the situation is that the check is just lost and it is a simple matter of putting a stop on the first check and issuing a 2nd one to me OR the check has been cashed and a check fraud has happened.

At the time of filing this complaint, the issue is still NOT RESOLVED. I AM STILL WAITING for a refund and as the insurance is due now, I have to PAY ON MY OWN while Roundpoint still investigates.

In last 4 weeks of calling them, these are are mistakes made by the two reps 1. Rep # 1 did not know the check had already cleared. Just put a request to re-issue a new check, which obviously, their check department denied.

2. Roundpoint did not fix the issue or contact me. They just closed the re-issue request. NO Communication at all in writing or verbal.

3. Rep # 3 advised exact opposite of what Rep # 2 told about check being cashed. Made it sound as if there is no fraud issue and new check will be issues again soon. Had to call one more time on same day to talk to Rep # 4 to get a confirmation again that it is definitely fraud.

In short, I DONT KNOW WHAT TO Trust from roundpoint mortgage. I am having to QUESTION EVERYTING they tell me. I have asked for a supervisor to call me back after staying on hold for an hour. It is impossible to talk to a supervisor. They never come on line or call back.

SUMMARY In short, I am now facing {$8000.00} of my escrow money lost due to Roundpoint mortgage and check fraud. They have shown utter incompetence to help with this issue and every time I call them to discuss, the story changes. I will not have to pay my insurance out of my own pocket while Roundpoint drives this issue in circles for next few months. 

Disgusted and Disappointed. 
Hope this does not happen to anyone.
Consumer complaint received 2016-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a XXXX Mortgage with XXXX XXXX XXXX and a XXXX Mortgage with Bank of America. I refinanced the XXXX Mortgage with XXXX XXXX XXXX with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with Bank of America through the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). As I was starting to realize that I was in need of the XXXX Mortgage with Bank of America Modified also, I received a XXXX loan through my XXXX Mortgage with XXXX XXXX XXXX which changed the account number. I did not request this new loan. XXXX just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with Bank of America Modified due to the now new mortgage was no longer the HAMP mortgage. I feel that XXXX hurt my situation of have the much needed XXXX mortgage modified. I have worked with XXXX and Bank of American since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by XXXX and they are working hand and hand with Bank of American to block me from having my XXXX mortgage with Bank of America from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I would like to file a complaint against HSBC and XXXX XXXX for discrimination and gross incompetence. I have suffered from a financial hardship from the Great Recession and my spouse 's passing. We have been trying for a mortgage modification since XX/XX/2009 and have received unfair treatment, have been given misleading, conflicting and confusing information. This has been a prolonged loss mitigation review process in which the same documentation was repeatedly requested by the servicer. I have been told by our case manager XXXX XXXX that the loan has been transferred several times, when asked for details he could not/would not elaborate. 
We have been denied a loan modification XXXX times, each time for a different reason ( please see notes in my file ), the last denial being that XXXX XXXX does n't participate in any kind of loan modification program. Since 2009 we have applied for a loan modification, I was given the application that clearly stated loan modification, my case manager had said all along that we were applying for a loan modification, and now I am being told that XXXX does n't participate. ( Please review all of my case notes and any recorded conversations that you have ) and you will see the misleading information that I was given. 
I have XXXX young children, I want to stay in my house, I have no place else to go, my case manager had said several times that I would qualify for a 2 % mortgage with a XXXX year amortization schedule and a principal reduction to help reduce my financial stress. 
After XXXX of my denials I was told by my case manager that I was denied because I am a single mother with XXXX children and no job, I am offended by these comments and feel that I am being discriminated against because of my gender. 
Please give this your immediate attention and contact my brother-in-law that is helping me with my financial affairs ( XXXX XXXX, XXXX ). You have my permission to speak to him on my behalf, I have previously written a letter to the servicer on this ( you will see letter in my file.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XXXX XXXX XXXX cancelled my credit card without warning and reissued a new card without notifying me. There was no suspicious activity on my account. They refused to tell me the specific reason that they closed my account saying only that " a vendor '' compromised my account. Which vendor? When? I registered a complaint with a customer service representative named " XXXX, '' who gave me a reference number of XXXX. He refused to give me his employee badge number or to provide any other information. I believe that I am entitled to know what activity occurred that affected my account and that XXXX XXXX XXXX should notify me rather than simply taking unilateral action.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I informed the credit card company that my plane trip, scheduled for XX/XX/year>, was canceled on XX/XX/year>, due to my passport being stolen. As per the agreement with Synchrony, any charges for services not rendered should be refunded to my card. I provided all relevant documentation for the canceled trip and confirmed that I did not take the trip. Despite this, the company has reapplied the charges and interest a total of XXXX times. I have disputed these charges which was for XXXX plane tickets each {$340.00} for a total of {$690.00} of which I had been repeatedly told that it is my responsibility because of how I booked the trip. Which I told then even if I was sick I would have went however a stolen passport is something that is not out of my control. Throughout this process, I have never missed a payment and have continued to pay monthly. However, my interactions with both supervisors and agents have been met with rude and condescending responses, stating that they do not credit interest or reverse charges, and insisting that I am at fault. As a result, I am being held responsible for paying for a trip that I did not take. 
XXXX XXXX I disputed with them and they also refused to provide a credit of any help.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax has violated the terms of FCRA violation section 611 5 B ii. I have had XXXX accounts reinserted on my credit report without any notification. According to 6115 B ii the credit bureau is required to send me notification within 5 days with the statement that the information disputed has been reinserted and the business name and address of any furnisher of the information. I have NOT received ANY information, documentation, or communication from Equifax. 

I received investigations results on XXXX XXXX, 2016 and XXXX XXXX, 2016 stating that the following accounts had been deleted from my report. However, my most recent reports shows that these accounts still remain on my report. I have NOT received any notification, or verification for reinserting these accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the above accounts deleted from my report immediately as it 's a strict violation of 611 5 B ii
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

My mortgage was transferred form XXXX XXXX XXXX XXXX to Freedom mortgage. I was not notified that I would be required to change my account/ loan number for online bill pay. I continued to make my mortgage payments via my bank bill pay until I received a letter from Freedom Mortgage stating I had missed XXXX XXXX payment. I confirmed that the payment was processed with my bank and the payment for XXXX 2016. My bank stated the payment had been sent to my previous mortgage company. Freedom Mortgage assessed late fees and turned the delinquency over to collections hurting my credit.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (CA)

I found out when closing on a home purchase that there is a collection of amount {$310.00} on my credit report from MONEYLION INC for Account # XXXX. 

I was able to reach customer service after serval attempts. The company informed me that this is a credit plus account that someone opened to take a small loan to improve their credit history. 

I told the clerk on the phone that this is a fraud account that I never opened. I asked for any information on the name, address, phone or email that the account initiator, but the clerk didn't provide any of the requested information. The MONEYLION clerk asked me to hold on the phone to get an account safety personal to submit a ticked to help me resolve it. After waiting for a while, the clerk told me that I would receive a call later. I have never received any calls from the company two days later.
Consumer complaint received 2016-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NJ)

This is a complaint, I have had multiple phone conversations with customer service on the following issues and nothing has been resolved, they are as follows : Citi refuses to update my address, they are sending documents to a PO Box that I no longer have access to, and I have called and written in about this issue for over 4 years. 
For the last 4 months, Citi has made errors on my payment, they are debited from account that does n't belong to me, and they are giving me a confirmation # on the transaction and then reversing out the transaction without telling me. I can not get a straight answer from Citi on why this is happening. 
Because of this you are ruining my credit, I want the credit agencies notified by Citi that an error was made on Citi 's end and my score adjusted. 
I have been given multiple payment notices that are incorrect ( see attachment of 1 example ), they ca n't tell me why this is happening. 
I am speaking with the CitiMortgage Executive Office, they are not on the same system of Citi 's Customer Service Group, I am receiving conflicting information from both groups, my issue is still not resolved and we are going on month 4.
Consumer complaint received 2016-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bass & Associates, P.C., Attorneys at Law (OH)

I have a a unverified account from Bass & Assoc. I had previously disputed this account with XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Bass & Assoc Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Bass & Assoc Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX