davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN PACIFIC MORTGAGE (WA)

We feel that due to the lack of integrity of our loan officers and their team we were forced to pay {$1800.00} in extra costs associated with securing our mortgage from Pacific American Mortgage DBA XXXX Home Loans. We were told that they were familiar with HUD FHA XXXX Streamlined Loans. When in fact they were not. They were not honest with us on more than XXXX occasion. Due to this dishonesty our closing was extended twice which forced us to change plans twice, i.e. extend our obligations. Specifically, we were forced to find an alternate location for belongings to include our XXXX XXXX pull trailer and XXXX XXXX XXXX ( rented storage at XXXX ), pay rent for one and a half extra months at XXXX XXXX at XXXX Apartments with all utilities and insurance, also due to being forced to reside in this location personal belongings were vandalized ( XXXX XXXX XXXX, window broken and work tools stolen, actually totaling {$500.00} ).
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (GA)

I have a checking account with Chase Bank. They have deceptive ways of showing my available balance. Sometimes all of my pending charges are subtracted from my available balance. But sometimes a pending transaction will appear on my list of transactions, but will NOT have been subtracted from my available balance. Such that, I believe that including all my pending transactions, I have enough money in my account to cover everything. But then my account can become overdrawn, because my available balance was actually lower than what the bank represented it as being. Then they are able to charge me an overdraft fee. I understand that I have a responsibility to keep my own ledger of my transactions, but frankly, that 's why I have a modern, online banking account, so that it can do it for me. If I simply take a cursory look at my account balance, and see that a charge is listed in my pending transactions, I assume that it is reflected in, and has been deducted from, my available balance. Especially if I have XXXX pending transactions, which is very common considering how often I use my debit card. Because in the columns where it displays the withdrawal/deposit/balance for each item, if a transaction is pending, it does n't show you the balance column. So unless I add up all XXXX transactions and compare that to the actual available balance, I would n't know that I did n't have enough money to cover my account. It 's just misleading. I have been charged {$10.00} overdraft fees twice now, which is n't an exorbitant amount, but it 's the principle of the thing.
Consumer complaint received 2015-11-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to XXXX, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code 2923.5. I hire XXXX XXXX attorney on XX/XX/2014 he file bankruptcy because XXXX, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer XXXX its been sued for my attorney case # XXXX. the law office of les zevie its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an XXXX I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.
Consumer complaint received 2015-11-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP (NY)

The company Pressler and Pressler has been harassing me for a few years about a previous debt i owed over 5 years ago. they send mail to my house about collecting on the amount and recently they have been pressuring the issue of setting a judgment against me. included in the mail are docket numbers and index numbers they claim are filed with our local court. i have looked up these said numbers and nothing is to be found, i search my name in the court and civil clerks office and my name is to be seen no where in their files. i feel as if Pressler and Pressler are creating fraudulent documents in order to scare me and scam me for my money. none of the documents i receive acquire a judges signature for the actions taken against me i have never received a phone call from them, i have never been given a court date to defend myself against their so called actions, every few months they send the same documents in the mail stating their actions against me. i can not find anything against me in any court documents.
Consumer complaint received 2015-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

Penny Mac consistently misapplies my payments. I generally pay more than the minimum. They apply it all to principal, add late fees, call me for payment, when the full amount+ is always sent in WAY before the due date. Then I have to spend too much time on the phone getting fees reversed and explaining to them how to apply the payment correctly. If it didn ; t cost me money, I would switch companies in a heartbeat.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

Despite my repeated requests for them to do so, EXPERIAN refuses to delete outdated, inaccurate accounts containing numerous errors and issues of ownership stemming from an acrimonious divorce dispute with my former spouse. Specifically, they continue to list judgments from XXXX XXXX from XXXX XXXX BANK and XXXX ; a repossession/late payment account with XXXX ; XXXX " charged off '' credit cards with XXXX ; a collection account with XXXX XXXX XXXX ; and lastly a collection account with XXXX XXXX. In addition, they also refuse to delete an outdated account with XXXX which contains numerous errors as well as an inquiry XXXX XXXX made on XXXX/XXXX/2014 without my authorization or knowledge.
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NE)

Chase has left fraud in my account for a number of years, and charging interest on a balance that started over {$30000.00}. Chase has profited an estimated {$15000.00} on the fraud to date. " Crime has paid for Chase '' is a true statement in this case. 
Chase has treated this like a legal settlement, offering a fraction of the amount so we do not end up litigating it. We would have money to litigate it if we were not paying the interest every month and risk Chase damaging my credit due to stopping payments on the fraud they continue to report on my credit for nearly three years now. 
The merchant that committed the fraud admitted to the fraud, and Chase refused to provide fraud protection as it disclosed to me, and it discloses to all the public. The merchant went to jail, and signed a swore statement noting nor product or service occurred, only fraudulent charges via the merchant account for XXXX. 
CFPB has provided no help to me.
Consumer complaint received 2015-11-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Onity Group Inc. (TX)

On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has been uncooperative, combative, and has denied me the right to pay my final payment by check for an account that has been compromised. I WILL NOT PAY THE INTEREST. I have been wasting HOURS on the phone and have had XXXX make XXXX comments to me about who has used my credit card when it was fraudulent. I ca n't and WO N'T send them my driver 's license, birth certificate, social security card, and will continue filing complaints with the XXXX as well on this outrageous behavior. No one has bothered to contact me and I 'm sick of complaining and being put on hold, denied access and as a result ca n't pay.
Consumer complaint received 2015-11-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I purchased a 2015 XXXX from a XXXX XXXX XXXX. I have had trouble getting Toyota Financial Services to accept my payment and have been trying since XXXX XXXX to pay them. They keep telling me I am not paying and I am. When I call customer service I get the runaround. All I am trying to do is to pay my car loan. They have now doubled my payment to XXXX. My payment per contract is XXXX. 

No one seems to listen to me, and I do n't want my car repossessed. I am both frustrated and angry. I am JUST TRYING TO PAY MY BILL. They did n't accept my payment from XXXX XXXX when it was due on XXXX XXXX. So now this is a nightmare.
Consumer complaint received 2015-11-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Armcon Corp (CA)

All the sudden appear this Medical Debt Collection in my Credit Report, per my investigations they were billing to XXXX XXXXit sounds familiar to me, until I discover that I am under XXXX XXXX in the Credit Report with the XXXX Credit Bureaus XXXX, XXXX, XXXX XXXX. 

Coachella Valley Collections pick up XXXX XXXX which is not my legal name, I am XXXX XXXX under Social Security, XXXX and my Private Health Insurance, my US Passport. Therefore there is a question mark here why are they billing for XXXX applied to me XX/XX/XXXX I have been home, also that I saw a Doctor that even do n't know who he is. I got my team of Doctors treating me. 

I am in this battle since XX/XX/XXXX, XXXX IS THE ONLY ONE WHO HAS NOT REMOVED THIS MEDICAL COLLECTION XXXX XXXX I BELIEVE. 

I SENT A LETTER ON XX/XX/XXXX AFTER I HAD SENT 3 MORE, TO ASK THEM WHAT IS MY SOCIAL SECURITY NUMBERIF I OWE THIS MEDICAL BILL, WHY THEY DID NOT BILL MY INSURANCE OR XXXX, I HAVE HAD MEDICAL INSURANCE ALL MY LIFE, WHY IF I VISIT ANY OF THEIR OFFICES WHY THEY DID NOT CHARGE THE CO-PAYMENT ALL THIS QUESTIONS YOU WILL SEE THAT I AM ASKING THEM. 

HAVE THEY ANSWER ME, NEVER NONE OF LETTERS HAVE BEEN ANSWERED IT, WHAT DOES THIS TELL ME? BOGUSI NEED YOUR HELP, THIS MEDICAL COLLECTION HAS TO BE REMOVED AS SOON AS POSSIBLE, I AM BEING EVICTED DUE THAT THE BUILDING WHERE I LIVED WILL BE DEMOLISHED IT, FOR A NEW CONSTRUCTION AND WE THE TENANTS MUST FIND A PLACE TO LIVE. 

MY BIGGEST PROBLEM, RENTING IS BECOMING AN ISSUE WHEN THEY RUN MY CREDIT AND SEE COLLECTIONS, THEY ARE NOT RENTING ME. ON TOP DISABLEDIT MAKES ANGRY BECAUSE I HAVE NEVER BEEN IN ANY OF THIS MEDICAL FACILITIES THEY ARE CLAIMING I RECEIVED TREATMENTS AT ALL, I DO N'T EVEN KNOW WHO THE DOCTOR IS AND THEIR MEDICAL FACILITY. 
SEE ATTACMENTS.
Consumer complaint received 2015-11-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I have a complaint against an FHA approved lender related to the origination of an FHA insured mortgage, Property AddressXXXX XXXX XXXX XXXX Fl, XXXX Your name and contact informationXXXX XXXX, contact via email or ( XXXX ) XXXX XXXX Lender InformationXXXX XXXX - Home Mortgage ConsultantWells Fargo Home MortgageXXXX XXXX XXXX. 
XXXX. XXXX, FL XXXX ID XXXX The FHA Case NumberDo not currently have, but should be on record. 
Documents relevant to the complaintAs needed ... 

This is a few years old, and I do wish to file a complaint. I was thoroughly disgusted with how I was treated by Wells Fargo in the purchase of this home. 

Started with Wells Fargo mid XXXX 2011. Initial visit stated I would be approved for an amount to cover the house. I filled out all the paper work and jumped through all the hoops ( paying off credit cards ) as asked by them. 

Wells Fargo DRAGGED out this home purchase, what do they care? But to buy a HUD home, you have 45 days. Then every 15 day extension was about {$370.00} ( plus overnight shipping $ XXXX ) ... By the end of XXXX I 'm getting ready to send in for the XXXX and final 15 day extension ( almost {$1000.00} I had to pay ) and Wells Fargo comes back with, " you are approved for the purchase price, but we will not finance this house due to things we found in the inspections ( bank and mine ) ''. 

I found another mortgage company and asked if they could get this done as soon as possible, being my XXXX 15 day extension was ending soon. 

The XXXX mortgage company, XXXX XXXX Mortgage, which I approached in early XXXX 2011, was able to close in a few weeks time on XXXX XXXX, 2011. 

I have been living in the home since. 

A few months after the closing, the mortgage was sold. Guess who bought it? 
Wells Fargo. 

So they were able to run me through XXXX HUD / FHA extensions totaling around {$1000.00} out of my pocket, at one point the Wells Fargo Realtor yelled at me on the phone, then THEY DENIED me buying this particular home and after another company did the mortgage closing, they bought it, on the same exact house they would not sell to me. 

Is there anyway I can get any of my XXXX, 15 day extended closing costs back ( almost {$1000.00} ) due to their incompetence in running me through all XXXX extensions, denying me to finance the house through them, then buying the financed house mortgage from another company?
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (MD)

I noticed that my Equifax credit monitoring product had automatically renewed itself and charged {$290.00} to my credit card on XXXX XXXX. I called in to immediately cancel the service on XXXX XXXX because the customer service office was closed by the time I noticed on XXXX XXXX. The call center rep confirmed my immediate cancellation and told me that I would no longer be able to access my account and a credit of only {$270.00} would be issued to me. After complaining and requesting an escalation to a manager, the rep confirmed that they would issue a refund for the full {$290.00}. I waited one week to verify the refund had been processed and noticed that only {$270.00} had been refunded. I called in to complain on XXXX XXXX. The new rep mentioned that their policy does not allow full refunds once payment has been received. I called out that I did not approve the payment in the first place. Despite not accessing or even being able to access my account during that 1-2 day renewal cancellation window, I was told that I would be charged as if I had used the service for the full month. I was told that the original phone rep should have never promised a full refund because they do not permit that. After escalating to a manager, they agreed to review the original call to see if I was promised a full refund. If so, they would try to refund the additional {$25.00}, but it would take up to two weeks. Someone should investigate the cancellation policies for Equifax 's credit monitoring services. Customers should be contacted to confirm that they would like to renew their product before being charged. There also needs to be some form of a cancellation or opt-out window without customers facing penalties. Had I not been employed within the financial services industry, I may not have been so inclined to complain without knowing regulations protecting customers against Unfair and/or Deceptive practices.
Consumer complaint received 2015-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

To whom It May Concern, I am writing in hopes of some assistance in a matter that has caused much stress and anguish in my life as of recently. About 3 months ago I began the process to refinance my current mortgage. My current mortgage servicer to be paid off is Ocwen.They have been an absolute nightmare to work with, which can be viewed by my previous complaints to the CFPB. 

Now I write in hopes the CFPB can help me with a similar issue. The reason that I was not able to refinance was that Ocwen lied to me. When my new lender attempted to payoff Ocwen to complete my refinance, they were notified by Ocwen that because I had a modification done, I had agreed to over {$40000.00} in what they called a Shared Appreciation. First Ocwen said they would waive the Shared Appreciation, then after sending us XXXX payoffs without the Shared Appreciation ( on XXXX/XXXX/2015 and XXXX/XXXX/2015 ), they decided they now will not waive the Shared Appreciation and leaving me with an unqualified mortgage based on the value of my home. That was a nightmare in itself spending hours on the phone with a call center in XXXX that really did n't comprehend how they could make such a colossal mistake and play with my emotions so dramatically. 

Aside form my refinance not going through, now I am absolutely shocked that I have a {$40000.00} Shared Appreciation amount that I owe Ocwen that I never agreed to when I modified my loan. The modification paperwork is extremely confusing and the person who was helping me said to just sign it, they did n't explain and because of the situation I was in, I simply signed. ( situation is recession hit, my income form my job was cut by XXXX %, I had to file for bankruptcy, and my wife was going through health issues ) Now years later that decision is haunting me. They forced me to sign some papers to avoid foreclosure but instead have put me in a horrible situation. Had I known that {$40000.00} was secretly owed by me, I would have not agreed to that modification. I wish for the CFPB to investigate the terms of my refinance as unfair and help me to get the Shared Appreciation waived by Ocwen. ( as they originally agreed to numerous times over the phone and on paper XXXX/XXXX/2015 and XXXX/XXXX/2015 only to change their mind after I wasted so much time, energy, and money into my refinance. ) Please CFPB consider investigating the tactics used tomato me agree to an unfavorable modification and help me to finish my refinance so I can move on with peace of mind.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I contacted this company multiple times asking this to do a full investigation regarding these multiple inquiries and he fact that my social and name had been changed as a result these inquiries popped up and were not authorized. They failed to properly investigate my request and also never sent proper validation as to why these are accurate and valid inquiries. I contacted these companies reporting inquiries on my credit and they ca n't find my information in there system yet experian failed to furnish proper valid proof.
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

during 2014 I purchased some window treatments from XXXX XXXX company and returned the entire purchase. the store employee was new to XXXX XXXX and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later Portfolio Recovery contacted me by phone ask me to pay the XXXX bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from XXXX XXXX or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that Portofolio Recovery is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that Portfolio Recovery is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from XXXX XXXX that shows I owe any money to them.
Consumer complaint received 2015-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse