davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: International Computer Systems, Inc. (CA)

I was called multiple times, approximately in XXXX of this year ( 2015 ) by First Collection SVCS. I spoke with representatives, who told me I had an outstanding balance with XXXX XXXX XXXX and XXXX for {$610.00}. I was unsure of the accuracy of this claim, and advised them to please send me documentation to my address at the time XXXX XXXX XXXX, XXXX XXXX CA. I never received such documentation. They continued to call, and a week later, I mentioned again to please send documentation, yet such paperwork did not arrive at any point. I had the displeasure of seeing on my credit score today XXXX/XXXX/2015, a derogatory mark for the {$610.00}. Because I never received documentation at my current address or address listed on my drivers licence to prove that this company even existed or that my outstanding debt existed, I am submitting this claim. Thank you for taking the time to read my issue and I hope we can work together to get this sorted out.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (OH)

I began receiving letters regarding an old debt from nearly 20 years ago that I was certain I had paid. We had a flood, and I had no documentation to prove it, so when I got the phone calls, I told the agent that I would look into it before paying. He said, " Well, go ahead and pay now and if you find that you already paid, we will refund your money. '' I told him no, but that I would look into it. It was for a XXXX bill of XXXX. I called XXXX today ( XXXX ). They said I do not owe them the bill. They also would not have allowed me to start my cellular service with them in XXXX had I had a past due amount with them. They ran a credit check on me in XXXX. Today they checked again using my social security number and maiden name and have no record of me owing them at this time. I was sure I had paid it, and settled for around 400 when I did. I called Dynamic Recovery Solutions today, spoke to a supervisor and told her what happened, that her employee tried to have me pay before checking things out, and that the bill is not even legitimate. She said I needed to dispute it. I told her that they did n't get my information from XXXX, and I contacted them directly, and that I am not engaging in this. Especially with a company that may not even be legitimate, and trying to get people to pay when they should n't. She also told me they fired that employee, XXXX, which was a lie, because he called me today at XXXX from the number XXXX and left me a voicemail stating that we had spoken before and that I need to call him back as fast as humanly possible.
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

( WELLS FARGO BANK , NATIONAL ASSOCIATION ) is the bank that holds my mortgage, they are consistently mismanaging my escrow account. Almost every year since they brought out my mortgage from another company at the end of each year I 've had the payable payments of more than {$2500.00} sometimes a little less for their claims of my escrow always constantly being short. Even as my land taxes went down three years in a row, my escrow for some reason was always short. When he forced me to pay the extra balloon payments at the end of each year, they tell me that this little payment make my escrow have an overage. So XX/XX/XXXX if I paid {$2500.00} plus my motley mortgage fee of {$1400.00}, does n't this mean that I now have a surplus of escrow. Now with that being said consider the fact that my land taxes decreased, my home owners insurance decreased from XX/XX/XXXX to XX/XX/XXXX ; why am I still left with a escrow shortage. I believe his bank is consistently committing theft by deception, and I will be immediately looking to my local law enforcement agency to file those criminal charges against Wells Fargo.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

On XXXX XXXX, 2015 my mortgage payment was changed to the proper amount of {$780.00}. It was correct for the months of XXXX and XXXX. I went online yesterday to pay and it is back to {$1100.00}. Ocwen sent me a hard copy which shows {$780.00} due ( hard copy attached ), but the computer shows {$1100.00}. I called and was told I had to pay the {$1100.00} since the computer said that was due or I would be in default. I asked to pay the {$780.00} over the phone and was told that I would still be in default AND I would have to pay an additional {$19.00} use this service. 
I am so completely frustrated at this point. I do not understand why this is so difficult and why my payment keeps changing. They are saying they will " research it. '' Every time they " research '' nothing gets done. This has been an ongoing issue for 8 months! 
The other issue I am having is no one can tell me what the {$1500.00} " escrow account adjustment '' is for. It was taken out of my escrow on XXXX/XXXX/15 which is the day the modification went through. I do not see where it was posted to my new escrow so as of now I am missing {$1500.00}. They keep sending me letters which do not tell me anything or show me where the money went ( attached ). If I can see where you adjusted the money out of my account, why ca n't I see where you applied the money to my new escrow? It does n't add up since Ocwen charged me $ XXXX in escrow to make up for a " shortage '' which I never had. Ocwen has collected monthly for my taxes since day XXXX ( before this modification ) and I have never been short. I want visual proof of where that money was applied, not someone 's word that it was. 
I would also like to know what the " legal filing service '' charges on XXXX/XXXX/15 are for ( there are XXXX of them ). No one at any time advised I would have any filing fees. My understanding of an escrow account is that it is unlawful to use my escrow for anything other than taxes ( and insurance if applicable-but I pay it and they do not ).
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Our client, XXXX XXXX, received a loan modification approval dated XXXX XXXX, XXXX. She was unable to make one of the installments timely as she was injured and have all necessary documentation to support. She attempted to make the payment during her recovery but Wells Fargo was reluctant to accept. Litigation efforts proceed and eventually a sale date was scheduled for XXXX XXXX, XXXX. 
XXXX XXXX retained our firm to assist with the loan modification efforts on XXXX XXXX, XXXX after exhausting all efforts to contend with Wells Fargo on her own. A fresh loan modification package was submitted on XXXX XXXX, XXXX per fax as suggested by opposing counsel. I contacted Wells Fargo directly on XXXX XXXX, XXXX and was given items that were missing or need clarification, contacted our client, and provided them to Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I followed up again with Wells Fargo who indicated that the file was denied on XXXX XXXX, XXXX ( no time to review requested items ) and denial was never provided to client/our firm. Verbally, the reason for denial was given to myself on XXXX XXXX, XXXX siting that a loan modification was extended and that unless there was a change of circumstance, there would not be another modification agreement. Wells Fargo was unable to locate the denial letter and the reasons for the denial. There is a sale date on XXXX XXXX, XXXX. I submitted the loan modification well within CFPB guidelines in order to have an opportunity to cancel sale. They are reluctant to do so. I will attach the reasons that XXXX XXXX attempted to make her loan modification beyond the timeframe ( XXXX, XXXX ). Further, I have attached the only correspondence provided by Wells Fargo dated XXXX XXXX, XXXX requesting more documentation for her loan modification application. I have also included a hardship letter explaining these circumstances as well. 

I ask for the sale date to be postponed to allow Wells Fargo to review the loan modification properly.
Consumer complaint received 2015-07-25
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Frederick J. Hanna & Associates, P.C. (closed) (FL)

I Owe A Balance of {$2300.00} and i have been trying to be reasonable as possible to get this resolve i told the Debt Collector That I was XXXX And Not Able To Pay I Sent In Proof Of That By A XXXX Judge I Faxed In A Packet Of Papers They Make Like They Did n't Receive Them The Lady Name Is XXXX XXXX She Got A Really Nasty Attitude With Me Frederick J Hanna And Associates Law Firm XXXX Is The Third Party Collecting The Debt And I Had Something where they was supposed to pay off the debt when you become XXXX but they lied and they was charging me {$8.00} Monthly For That Service and It was n't Benefiting me at all they supposed to pay up to {$10000.00} if you become XXXX and I told Them That I Was XXXX And Not Able To Work Faxed In Papers From A XXXX Judge and they Make Like They Did n't Received the Fax and They Gave Me They Fax Number and I Even Have It On Paper the fax Number is ( XXXX ) XXXX and their telephone number is ( XXXX ) XXXX I Want Something Did About This And XXXX XXXX Supervisor XXXX XXXX is a Man Going Along With Her and they taking me to court over this on XXXX XXXX at XXXX I Received a paper From The Law Firm XXXX XXXX XXXX That Is Stating Dear XXXX XXXX we have been advised that our client 's lawsuit against you in the above case was recently served. if you are interested in resolving this case without further legal proceedings, we invite you to contact our Legal Department at ( XXXX ) XXXX to discuss your case in the event you are unable to reach a representative, we also welcome you to contact us via fax at ( XXXX ) XXXX or email XXXXXXXXXXXX, with a brief explanation stating how you would like to resolve this matter. and a representative will be in contact with you. However please note that contacting our office does not relieve you of any requirement ( s ) to file responsive pleadings with the court we would like to reach an amicable resolution to this matter. Payments and communications should be made only through our office. We Look foward to hearing from you This Firm is Licensed to practice law in XXXX, XXXX, XXXX, XXXX And XXXX. This Communication is from a XXXX Collector and is an attempt to collect a debt any information obtained will be used for that purpose. 
Sincerely, Frederick J Hanna And Associates, PC And When I Contacting Them XXXX XXXX said That Got Noting To Do With You Go To Court Let us Know How It Went but the Letter came to me With my name on it she had A Very Nasty Attitude
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (AZ)

I have been making an extra principal payment to my mortgage company - Residential Credit Solutions - on the XXXX of every month, clearly marked " apply to principal only. '' I just realized that it is n't getting applied to my principal until they receive my next regular monthly payment at the end of each month. They note the additional payment as " miscellaneous '' on my account detail but DO NOT reduce my mortgage balance until they apply it with my regular monthly payment. This means that for basically two weeks the money I have sent to reduce my principal is just sitting there. 
Can they do this? I have called them XXXX to inquire and the customer service representative, both times, has said it is being reviewed.
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NY)

I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score.
Consumer complaint received 2015-07-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I used my credit card with a PIN not knowing it was a credit card transaction. I was charged hundreds of dollars in cash advance fees. I cancelled the card and paid it off prior to the due date and they charged me another 30 days worth of interest on the entire balance. The first time I called to rectify it the man I spoke with insisted it was correct and it was being charged at a periodic daily rate. I then calculated the interest on my own to prove they charged me for another 30 days. I then called back and the represenative told me she was going to waive it. I am reporting this so that other consumers are not abused by their interest calculation methods. XXXX and First Bankcard.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

The primary reason for my complaint is that Chase Mortgage, who is the servicer for my loan ( # XXXX ), is in violation of dual tracking. Chase has notified me of a foreclosure date of XXXX XXXX, 2015, while I am in active consideration for a modification. I have submitted my full application for a modification on XXXX XXXX, 2015. They requested additional information, which I sent to them on XXXX XXXX, 2015. I received a letter on XXXX XXXX, 2015 notifying me of a foreclosure sale date of XXXX XXXX. I called and spoke to a customer assistance specialist at Chase on the XXXX of XXXX. They explained that the information I submitted needed to be resubmitted with some corrections, which I immediately corrected and faxed back to them on XXXX XXXX. I also questioned why a foreclosure sale had been scheduled when I am in active consideration for a modification. The specialist told me that once they had everything, the application would be submitted to underwriting and that at that time the sale could be postponed. I have submitted several modification applications with this lender. They have repeatedly made errors in processing the modification and in calculating my income. The lender is a private lender ( XXXX XXXX XXXX Bank of XXXX XXXX, CA ) and does not participate in HAMP. They do however ; supposedly have their own modification program. My goal is to avoid foreclosure and to secure a modification. If that is not possible, then I would like to have time to pursue a short sale.
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CA)

This company ( CBE Group ) calls at least 3 times a day. Morning, Noon and Night. When ever I pick up the phone they are never there. They have been calling for the past month. At one time I did finally speak with someone but they asked for someone who I did not know and then they requested my social security number. I refused to give it to them, and they have not answered the phone since - in spite continuing to call 3 times a day.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (PA)

Received a Collection Notice from : Credit Protection Association L.P . 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. 
I believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MD)

Over the course of the last five years, we made a number of purchases on our XXXX Home Depot credit cards. There were several times we got an offer of zero interest for two years, but, to my knowledge, we never signed up. This last month, we were just charged a lump sum of over {$8800.00}. on our XXXX accounts for two years ' interest on the entire balance ( previously about {$11000.00} ).
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: McCalla Raymer Leibert Pierce, LLC (GA)

RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

My business partner and I opened a DUAL SIGNATURE account, at BB & T, which required both signatures for any transactions. She and I, each, put $ XXXX the account and were adamant with the Bank Officer that we had to sign jointly and we signed a card to be filed with BB & T. On XXXX XXXX, 2015 an investor, ( He was a friend of my partner. ) came on board and loaned us {$25.00}, XXXX payable in 6 months with 5 % interest. All XXXX ( XXXX ) of us signed a Promissory Note at the bank with the same bank officer as a witness and notary. We wrote a check for a deposit for $ XXXX a lease for a building on the beach. Monday, XXXX XXXX, 2015, the banker called me and informed me, my partner had withdrawn all the money andCLOSED the account, but they were depositing my initial {$4000.00}. back into an existing account I had already with BB & T. When I questioned the banker about how my partner was able to withdraw without XXXX signatures, she informed me that as a partner she ( my Partner ) could manuever money as she saw fit since she was a signer on the account. 
I contacted BB & T corporate and they referred me to a clause stating that if was unclear, they could allow XXXX signature to conduct transactions if they are unclear that XXXX signatures were required. The same Bank Officer is the one who opened the account, witnessed the promissory note signatures, and closed the account. I do NOT see how any of this can be misunderstood nor unclear. 

Now I have a {$12000.00} check floating around out there with my signature, ( and my Partners ), on a closed account. HELP!
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I applied to care credit for assistance in financing some dental work I was having done. I was approved for an XXXX credit limit. For awhile I was making my payments monthly until I noticed that I had paid over XXXX and only XXXX was credited towards my account. I recently received a bill from a collection Agency stating that I now owe XXXX on a card with an XXXX dollar limit. I am aware that Care Credit has changed their name to Synchrony Financial however the company does still try to call me for the outstanding balance. I found these XXXX companies to have deceptive practices.
Consumer complaint received 2015-03-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services (IL)

I attended XXXX XXXX XXXX from XXXX. I took out private loans. I have since been repaying them on time. I only had XXXX six month forbearance for the life of the loan and used that in XXXX. I was laid off last XXXX and was collecting unemployment insurance. That ran out at the end of XXXX. I called ACS Education who I make my payments to and requested some sort of hardship forbearance. This was on XXXX XXXX, XXXX and I spoke to XXXX XXXX. This call took place around XXXX central time. I made my request, she put me on hold, then came back and told me that I was granted a two month hardship forbearance. She told me that I did not need to pay my loan for the months of XXXX and XXXX XXXX. I explicitly asked her to confirm and she told me not to pay my loans for those months. They have the call and record and you will be able to retrieve it. She sent me the forbearance request form to sign and I signed it and emailed it back to her. 

In the beginning of XXXX I received a call from the ACS collection department. I told them I had applied for a forbearance and they explained that it was still in the approval department. At no point was I told to make a payment for XXXX or XXXX. 

In late XXXX I logged into my account to see that I had XXXX past due balances. I called to inquire why this was only to find that the forbearance request was denied. I explained the situation the representative, XXXX, said she would research it. She did over a few weeks. In that time, I received a call from XXXX and XXXX, a collection agency who is extremely nasty. In the time they were researching this situation, ACS reported me to a very nasty collection agency who demanded I make payment. I researched this and contacted XXXX, and called XXXX and XXXX. back only to find out they had sent the case back to ACS. XXXX then contacted me a few days later I was told that they went back to the lender who denied the forbearance. 

I then requested to speak to her manager. I told him that this was on ACS for giving me misinformation and that I want them to credit me for the total past due which is {$620.00}, as I can not pay it. He said he 'd look into it. He called me back yesterday denying my request. In XXXX separate calls, admitted this was the fault of the ACS represntative. XXXX of those calls was on XXXX/XXXX/XXXX at XXXX central time. Again, I urge you to pull that call for this investigation. I was basically told this was their fault, but that I have to pay the past due. I was not offered a payment plan or anything. I was simply told that I need to make a payment by the end of the month or it will be reported to a the credit bureaus. 

This is beyond unacceptable. I was TOLD to not pay my loans for XXXX months by a representative of ACS. They are ADMITTING fault, and yet refuse to work with me. They must make reparations and pay for the XXXX past due balances, a total of {$620.00}.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial dificulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. 
I requested a loan modification with the now owner of the loan which is Select Portfolio Servicing , Inc being that now my situation is a whole lot better financially and health-wise and the Bank wont even consider giving me the opportunity to keep my home. I received a letter saying that it was not under the best interest of the investor to give us the opportunity to keep our home.