davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (VA)

My uncle had a mortgage loan that I believe was bought out by Ocwen when he passed away in XX/XX/XXXX. I qualified as his administrator with the local courts and notified Ocwen accordingly. Soon after, the heirs to the estate then gifted the home to me. I sent Ocwen my uncle 's death certificate and a copy of the certificate/letter of qualification so that they could speak with me about the loan. I tried calling multiple times requesting information as to what I could do to keep the home, that has been home to me for now 40 years. My contact efforts with Ocwen began XX/XX/XXXX and after many failed attempts to speak with someone that could help me, I hired a lawyer who helped me do a short sale application on the loan. I hired an independent appraiser to appraise my home and he came back with an appraisal showing $ XXXX. After sending the short sale application multiple times, we still never received any acknowledgement from Ocwen. On XX/XX/XXXX, years later, I received a certified letter dated XX/XX/XXXX stating that my home will be sold at public auction on XX/XX/XXXX at XXXX I contacted my attorney, who then called XXXX XXXX XXXX, advising that we had submitted a short sale application several times to Ocwen over the years. We were advised to send it again and we did. On XX/XX/XXXX, I received a letter about a conditional short sale approval and the auction was canceled. A couple of weeks later, I received a call from an appraiser on behalf of Ocwen stating he wanted to come out to appraise my home. He did and he came back with an appraisal of $ XXXX. Now this is odd, because there has been no renovations to the home since the initial appraisal. Finally, Ocwen responded advising that I did not qualify for the short sale because I am family. Ocwen has been impossible to work with and has caused more stress than I can tell you about. I have made every attempt to work with them with hopes that I could purchase and keep my home ; however, I am still in limbo not knowing what will happen next. They know that I have a vested interest in the home not only because I live in the home but also because my grandmother 's and my uncle 's graves are here at the home. It has been years and I am no closer to resolve than I was in XX/XX/XXXX. Ocwen 's business practices are horrible. To say this is a business, there is no sense of urgency to resolve a matter. I have made every attempt to resolve this but all I get is " crickets '' and years later, a foreclosure letter. Now I sit in limbo yet again. I need resolution so that I can move forward with my life living in MY HOME.
Consumer complaint received 2017-02-03
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

On XX/XX/XXXX I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named XXXX XXXX XXXX to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( SPS Servicing ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! XXXX XXXX XXXX has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( XXXX XXXX XXXX ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XX/XX/XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from XXXX XXXX XXXX and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

My complaint is that, I have been working with SPS for over a year on a short sale, as of XX/XX/2017 the first lien holder has agreed to an amount of XXXX to move forward with the short sale, the second lien holder is asking for XXXX this is a XXXX approved loan and should be accepted by SPS, both institutions have give me dates to have the short sale closed on, I have been waiting for a approval since XXXX XXXX. 
with out having a negotiator to follow thru with this request, when i call i just get a person in the ombudsman Dept. updating me with no answer yet!! this need someones attention, for this matter is time sensitive. 
thank you
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I graduated collage in 1995 with {$23000.00} in loans. Ten years later I owed over {$50000.00} and today I owe almost {$80000.00}. It seems like the more I pay the more I owe. The first ten years I had some financial difficulties due to a bad marriage. My then wife was paying the bills and without my knowledge she took a forbearance on my student loans. For the past ten years I have been on the Income based repayment plan and every year my balance goes up.

Last month I called MOHELA to ask why my balance keeps increasing. For the first time I was told that my plan doesn't cover my total interest and the remaining interest is added to my account.

I then asked how long I have been on the plan and the information I get is confusing. One person says I have about 9 years in and another person says I only have about 3 years. Through a work benefit I went back to school to take a few classes and MOHELA automatically put me on deferment. I was told this deferment time would count towards the 20 years and I was told it was not. I have asked for confirmation and was told they would send me a letter explaining how much time I have but no letter has been sent in almost two months. If I do get the letter how do I know I can trust the information? If  forgiveness is a benefit of this program they should provide you the amount of time remaining in the monthly statement.
Consumer complaint received 2017-02-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo Bank , N.A . is holding me hostage, by claiming I owe them around {$220.00} in late fee 's. I have had this Home Equity Line Of Credit, abreviated, ( HELOC ) since approximately XXXX 2007.This is a 1st position loan for which a piece of Real Property was used as collateral to provide Wells Fargo , security. Now that I have just about paid the entire loan balance to XXXX, they are claiming i owe them even more money. I have asked them for proof of their late claims, for which they have claimed they have sent, however I have never received. Even if they sent a statement showing late payments, I still would not believe it to be factual simply because their credibilty is worthless. I believe Wells Fargo has purposely withheld, delayed and thrown away payments anytime they ever received a payment via mail just to generate fee 's and thus those departments that were assigned to process payments would receive bonuses for generating extraordinary late 's & non-payment fee 's. Further more, Wells Fargo has caused me deep damage not only by charging me these late fee 's, but also by reporting these lies to the credit bureau 's.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am listed as a authorized user on a XXXX  credit card account number XXXX, I would like to get this removed from my credit because I did not ask to be a authorized user on this card
Consumer complaint received 2018-08-13
Product: Credit card or prepaid 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 (OH)

Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 

, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on the XX/XX/2019 promotion and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. If my automatic draft deducts {$120.00} from my checking account on XXXX then it will be the wrong amount as I already paid off one of the promotions 2 weeks ago.

To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date I paid extra but they still didn't apply to my correct account. they did this before and I don't want my credit to suffer again from in correct billing XXXX XXXX : CustomerXXXX XXXX : Initial Question/Comment : Hello, I paid {$280.00} to pay off my promotion that ends XX/XX/2019. The balance on this XX/XX/2019 promotion is {$280.00} and I paid {$280.00} more than 2 weeks ago and yet it is not reflected on my account. 

My minimum payment is {$120.00}. which comes out of my checking account automatically but I called in and paid an additional XXXX to pay off a promotion. Now my account is being drafted again and that XXXX is not applied to pay off my promotion. 

They said I must pay off promotion before the expiration date or I will have to pay all the interest. I paid it early because they have done crazy billing practices that make me late when I have auto debit and as well as call in to make extra payments. Help me get them to apply the extra XXXX they received over 2 weeks ago to pay off a promotion. 



XXXX XXXX : SystemSystem : XXXX XXXX has left this session!
Consumer complaint received 2016-05-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (IL)

REFERENCE TO CASE NUMBER XXXX Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How then did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to have a look at the mail COMMON WEALTH FINANCIAL sent to my home address with a different recipient on it. The attachment is another prove that the account from COMMON WEALTH FINANCIAL is a fraud. I resubmitted this compliant because the attached mail was received XXXX days ago XXXX/XXXX/2016 Thanks XXXX XXXX
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

I am XXXX and a minority. I came into the branch to open an account and the woman took and hour and asked for additional forms of ID other than my state ID ( not sure if that was legitimate or not ). She asked a number of strange questions, too. She did not offer me a temporary check card. I came back and she refused it to me without explanation. I called and I spoke with the manager, XXXX who was rude, and he said that it was " up to their discretion whether to give me a temporary card ''. He was very rude on the phone and hung up on me. I spoke with other reps who also claimed that it was " at their discretion '' and all of them refused to tell us why I could n't have a temporary card or how they make that decision of who to give it to. At one point XXXX even told me " you can come in and take your money out of the account and close the account if you 're not happy ''. He refused to speak with me while my family was in the room even though they were not loud or on the line. At this point, I am going to seek legal counsel and make a discrimination complaint. I have been speaking with this bank for 3-4 hours, now!
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (NJ)

This is in regards to my previous complaint XXXX I guess I am more disappointed by the response than the original issue. Here is my response to CFPB about your so called " resolution ''. 

The response just shows how tone deaf these guys are. They have not addressed any of the issues I mentioned. 

The incident I mentioned was just the beginning and not an isolated incident. I have tried a few other charges and nothing goes through. So basically they have given me a credit card which is not usable at all. 

And I asked a very specific question about how can I meet the {$500.00} spend criteria if they wo n't allow me to use the card. And this is how they respond. 

" Your correspondence also expressed concerns regarding the promotional offer that was provided to you at the time you applied for this account. Our records indicate that your account was established on XXXX XXXX, 2016, under a promotional offer which extended a {$150.00} rewards bonus after you spent {$500.00} in net purchases on your card within the first 90 days of the account opening. We understand that you were expecting to meet the spend requirement for this offer with the above referenced transaction at XXXX which ultimately was not Cardmember Service, XXXX. XXXX XXXX, XXXX, ND XXXX processed. Please be aware that you have until XXXX XXXX to fulfill the required spend amount of {$500.00} '' She has basically copy pasted the terms and conditions of the spend criteria. In what world and how does that answer the very specific question that how can I meet the spend criteria if you wo n't let me use the card at all?? This is just insulting that you get these kind of answers from their so called " Office of the President ''. 

To summarize, My card is still not usable at all, so that issue is not addressed I have no way to meet my spend criteria because of the above, so that issue is not addressed either. 

I guess I will keep filing more complaints till I get someone to actually respond. I have never encountered this kind of shameless behavior. i guess it was not just the customer service but the whole chain to the top is like that.
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (OH)

XXXX XXXX Hospital starting charging my credit card that was stolen a monthly bill. It appeared after I reported my card stolen but still showed up because it was a installment amount. I disputed the charges ... 3 months in a row. All XXXX were removed and deemed unauthorized charges. XXXX was blocked from further charges and did not show proof that the debt was in fact mine. 10 months later they sold the account to a debt collector ; IC Systems XXXX, MN XXXX XXXX Account # XXXX. I contacted this company and provided documents showing that the charges were not authorized and a result of fraudulent activity. They stated that they would close the account. Several months later they reported it to my credit reports illegally.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2016-05-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

XXXX, Wells Fargo and their servicing company, America 's Servicing Company, have refused to process and provide information regarding my Making Home Affordable mortgage modification application. After submitting my application on XX/XX/2016, with all supporting documentation and information, ASC refuses to communicate with me or my representatives about my application, and has put my property up for a sheriff 's sale on XX/XX/2016. 

XXXX and Wells Fargo are legally required to stop foreclosure proceedings while my application is considered. They have refused to do that.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

ON XXXX XXXX EQUIFAX UPDATED MY REPORT WITH THE INCORRECT INFORMATION THAT WAS SENT TO THEM FROM Consumer finance Protection Bureau in reference to my account with XXXX XXXX XXXX. 
The account was opened on XXXX XXXX, 2014 with XXXX XXXX XXXX and the contract was provided. Equifax ignored the contract that was provided to them stating that the contract was opened on XXXX XXXX 2014. They stated to Equifax that the contract was opened on XXXX XXXX 2014 which is incorrect. The account was then closed with XXXX XXXX XXXX in XXXX XXXX, 2014 and refinanced by XXXX XXXX XXXX XXXX they Sent XXXX a check for XXXX which the check that was cashed by XXXX XXXX XXXX A copy of the check was attached. Also XXXX failed to let them know they cashed the for XXXX A check for that was also provided. XXXX has continued to provide incorrect information several times stating that they did not cash a check for this vehicle in that amount which is totally incorrect the checks were cashed at their bank in Texas. Equifax is the only credit bureau that is giving me problems XXXX has updated my report and found out that my information was correct from the documentation received by me with the actual contract and fixed my report in good standing for this account. This is my third time disputing this with Equifax and they are stating that I am not providing the documentation which is incorrect I will attach a copy of the contract and the checks that were cashed again. By Equifax not correcting this information they are impacting my credit report and every credit report is suppose to match.
Consumer complaint received 2016-05-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northland Group Inc (DC)

I have received multiple calls to the office of my new employer about a debt no one will provide information to be about. This is very strange because I am a new employee of my company ( 3 months ) and am not publicly listed on a home site or staff directory. I also do not use my work line for online purchases or other transactions where my information could be passed along to third parties. I have no idea how they found my office line, and when I spoke to them once on the phone they refused to tell me where the information came from. 

Additionally, I have no account or outstanding debt with XXXX XXXX XXXX, the company they claim to represent. I have logged onto their system and it shows I have no account with them. None of my " Account information '' has my current work number listed as a way to contact me, which is another reason it is strange to receive multiple calls to my work line. In their online comment section, and employee told me that nothing was showing because they had passed my debt to a collection agency -- but refused to provide me with information on what the debt is, where it came from and for how much. 

I am not sure if this is a bad debt collection practice, or they are fishing for more of my personal infomration. At this point, I have no idea what I owe, or from where, or from whom -- and yet they are calling my office multiple times a week. This is a huge embarrassment as I am a new employee and the calls go directly to the front office staff, who now think I am a financial delinquent. 

I have sent letters directly to XXXX XXXX XXXX asking them to stop calls as directed in the FDCPA. They have not responded. I have also sent a copy of that letter to their email address and faxed a copy. The calls have not stopped, and I have no idea what the alleged debt is.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX, I 've initiated a transfer in the amount of {$820.00} from my checking account with Bank of america card # ending in XXXX to a business account for XXXX with account # XXXX. The recipient account never received the funds and subsequently I filed a claim with Bank of america asking for a refund. Since then, I have n't received any meaningful communications from bank of america on when i should get a refund. I need the funds to be credited back to my account and bank of america has n't been responsive enough. I am not satisfied on how bank of america is handling my claim and the burden being caused on my finances by bank of america not immediately crediting my account while continuing their never ending investigation.