davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Hello, My name is XXXX XXXX and I have a home located XXXX XXXX XXXX XXXX XXXX Il XXXX. I had been struggling not to loose my home and was in a modification that was too high for me to afford. I was told just keep up with my payments for 12 months and my mortgage would be refinance. I never had the opportunity for apply for a HAMP because I was informed the loan bank would allow and was located in XXXX. My loan was originated in XX/XX/XXXX with Indy Mac Bank who was also who I was making my payments too. I was informed my loan was sold and according to Respa I did not received a 60 day notice that my loan had been sold and now my property has been taken from me by deed. I was also inform that I could contact XXXX Bank who my loan was sold to by my originated lender on XXXX to apply for a Home Affordable Modification since I never had the opportunity to being in a adjustable rate mortgage and my mortgage was under water. I was not notified in writing from my servicers or origination lender that my loan was sold to the bank that foreclosed on my property and will not work with me on not eviction removing me from my property. I really do n't want to loose my property for unfair treatment of adding force place insurance to my modification not allowing me to get my own insurance to reduce my payments to a fair amount I could not afford. Instead my lender would not allow me since they were making a commission off of me. I feel they only cared about themselves not me as a borrower assisting me with a fair fixed rate mortgage instead of a ARM and violated Respa Guidelines by not written notice that my loan was sold to a lender I could have tried to work with to avoid loosing my property. Please assist
Consumer complaint received 2015-08-05
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (MA)

It is impossible to access information to ascertain my balance on this card or the transactions that were recorded against the card. 

Information is supposed to be available by phone or on the Web site prepaid.citi.com. However, I am locked out of the Web site with no information on who to contact for support and the phone number provided on the back of the card for support is an automated system that will not respond to my card number and provides no option to actually speak to a human. 

Citi has obviously set this up to make it extremely dificult to utilize the prepaid card and track the balance.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My mortgage company Ocwen Loan Servicing LLC . Will not remove false information on my credit bureau. XXXX XX/XX/2013 they but that I was XXXX days late on my credit, I have never been even XXXX days late and I have proof where every month they are paid automatically out of my bank account. I have talked at great length with them and the agree it was a mistake but the still will not remove it!
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a citigold checking account according to the promotion they have to credit me XXXX XXXX miles. 
I fulfilled the requirements, but Citibank refuse to give me the promotional miles. 
I have the correspondent mails and messages talk with them to confirm my promotional eligibility and their response of my fulfillment of the requirements. 
Also the letter they give to me recently denied my eligibility of getting those promotional miles. 
I ca n't find a easier way to communicate with them directly because of this time consuming process. So I write my claim here.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Why does Wells Fargo continue to charge account PMI when our equity is at 67 % ( XXXX / XXXX ) which is far below the XXXX percent requirement? I have sent WellsFargo the formal appraisal but they continue to charge us fees unduly. We have since invested XXXX to change all of the windows on the property. I am asked my lawyer to forward our request for review of this case to the Consumer Financial protection Bureau ( CFPB ). I am prepared to go to court to seek redress if need be. This is wrong and unacceptable. XXXX and XXXX XXXX
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being XXXX days late on XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
Consumer complaint received 2015-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

I have a mortgage serviced by ASC ( Wells Fargo ). It is a balloon loan with final payment due XXXX 2016. The rate is 10.5 %. The house has fallen into dis-repair due to health issues. It is currently uninhabited. I am current on my payments, however it is ruining me financially. I am living paycheck to paycheck. My LTV is about XXXX %.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc. (AL)

I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month ( XXXX, XXXX and XXXX of XXXX ) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXX toXX/XX/XXXXbut they also reported as late, the trial period payments ( XXXX, XXXX and XXXX XXXX ) even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX XXXX XXXX retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (NJ)

I applied for a modification over a year ago at M & T Mortgage Company. It was a long and grueling process, but I patiently and cooperatively did EVERYTHING THEY asked me to do, and I was approved for the modification. I made my XXXX trial payments on time, as required. Then I got the final modification documents to be signed and notarized. I did just that. I did n't notice that they were requiring my wife to sign on the documents, due to the fact that she is not on my loan nor Deed, so I did n't think I needed to look for a place on the documents for her to sign. So I signed, notarized, and returned documents to the bank, and I also continued making my payments as required. To my surprise, almost 3 months later, M & T Mortgage informed me that they have cancelled my modification because my wife did not sign the documents. PLEASE TAKE NOTE ... THEY NEVER SENT ME ANY NOTICE OF AN OMMISSION OF ANY SIGNATURE, OR IT WOULD HAVE BEEN DONE, and sent back in a timely manner. They had the documents for months and never bothered to contact me about the missing signature, instead, they went ahead and cancelled my modification, JUST FOR A MISSING SIGNSTURE OF SONEONE WHO IS NOT EVEN ON THE LOAN, AFTER I WENT THROUG SO MANY MISERABLE MONTHS TO GET THE MODIFICATION.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Account is paid in full but still shows a balance on the credit report. Company acknowledged that the account it paid in full but said I needed to file a dispute so they could respond and show the balance as {$0.00}. 
Shows as : XXXX XXXX XXXX, 2014 XXXX {$100.00} Account XXXX
Consumer complaint received 2015-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

My home is being sold by Wells Fargo after I have attempted to modify my home loan with them twice. I submitted all of my documentation, twice, and after review, Wells Fargo understated my income and denied the modification. They then told me to apply again, which I did, and they denied it again. They have been rude, changed contact persons multiple times throughout the process, understated my documented income to insure I did n't qualify, and now set my property up for public sale without informing me. I found out about the pending sale via a number of solicitations from law firms. I contacted Wells Fargo and they assured me they would overnight information to me. The sale is set for XXXX/XXXX/2015 and they still have not sent me and information or formal notice of the pending sale, in violation of Federal law.
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ME)

I disputed similar, XXXX have even been the same, information with Equifax and the companies 6 months ago as well. XXXX is reporting the information correctly now, so I believe the issue is with Equifax. 

There is incorrect information being reported on XXXX of my closed accounts. All three accounts are negative, because they were included in bankruptcy, but Equifax is also reporting that the XXXX accounts have 'Date of First Delinquency ' and XXXX of the XXXX also show information for 'Date Major Delinquency First Reported '. At no time have any of the XXXX accounts been delinquent. Prior to bankruptcy all three accounts were paid as agreed and paid on time, so I would like the information to be reported correctly. 

The last time I disputed this with Equifax they responded by saying that the information had been verified, but it should not have been. Bankruptcy makes the account negative, it 's considered derogatory, but 'delinquency ' means it is not being paid as agreed ( not right amount or not on time ). This should be clarified with Equifax ( they wo n't listen to me ) and the incorrect information should be removed from my report. 

Supporting documents have been attached below. They include the confirmation of my current dispute with Equifax, screen shots of the XXXX incorrect account reports, documents showing those payments were made on time and not delinquent for all XXXX accounts, and the most recent and complete reports from Equifax and XXXX so it can be seen how they are reporting differently.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax responded to a Disputes for accounts that have been manually updated by them, and even when in the " Closed '' Status. The related dispute number is attached. 

I am the author of this dispute, and all information contained within it. 


XXXX, and in this requested EQ responded in the following manner -Equifax has reviewed the complaint and its records. Please be advised that once a Creditor has reported your account as closed, Equifax is unable to modify the activity designator field reporting on the Equifax Credit File. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " When Equifax updated these accounts ( please see the update dates, and the date these items were disputed ), I assert that they deleted the pay history. 

It must be noted that EQ updated the XXXX XXXX Payment History - to include Pay History through XX/XX/XXXX, even though this account has been closed and not reported by XXXX XXXX, since XX/XX/XXXX. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXXPlease note, that these accounts have been manually updated by EQ, at least 10 times. 

Online ... the pay history has been morphed to allow it to appear. Please see attached the XXXX Equifax Personal Solutions_ Credit Reports, Credit Scores , Protection Against Identity Theft and more.html pdf which shows the PAY history in the records. 

Then, the attached dispute results that show no pay history. Please see Equifax XXXX dispute results no Pay History.pdfBecause Pay Histories impact scores in such a harmful way, as the records are truly incomplete and use these data values to calculate Vantage and FICO scores, Equifax has the details to correct and complete the records in their systems as a whole - and not just in views, and must do so. 

This is not a request to delete the trade line, as they are positive. 

Instead it is a request for EQ to wholly correct its error in reporting in printed reports, that there is NO pay history for. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 300XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 500XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hi my name is XXXX XXXX I had a Capital One credit card that I had paid in full and had a XXXX balance for months. I moved from my apartment back into my house and never recieved a credit statement from capital one. I sent in a change of address to Capital One I never recieved a annual fee bill that was for XXXX dollars. Because the bill wqs unbeknown to me I didnt pay it.. Capital One reported me to the credit company as a 90 day delinquit for XXXX dollars whn my bill wqs paid in full.. my credit score dropped XXXX points, I paid off the bill and closed the account.. I need help getting this off my credit report as my score is suffering. I pay all of my bills on time every month. Please help
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MI)

Equifax completed a dispute on XX/XX/XXXX, stating new information, this after the XXXX account ( closed ) for XXXX was re-inserted after it was removed in a previous dispute. Also. during such time the following un-authorized credit inquiries appeared on my credit report as follows : XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXXEQUIFAX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX - Dated XX/XX/XXXX
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TX)

Franklin American Mortgage company advised that I needed additional flood coverage, which I purchased and my insurance Co. sent a fax stating I had the extra coverage. FAMC maintained they did n't get the fax so I had my insurance co, send a XXXX fax. FAMC admits they received that fax and they posted it on XXXX. I received my XXXX house payment bill and it showed that I owed an additional {$48.00} for insurance which FAMC said it purchased on my behalf. I called FAMC and complained about my bill and the lady looked up my account and advised me they had mad a mistake and not to pay the extra {$48.00}. I asked her to e-mail a copy so I would have proof that I did n't owe the extra money. She stated that I would receive a confirmation e-mail between XXXX and XXXX hours. After waiting for more than XXXX hours, I again called FAMC and spoke with a supervisor named XXXX on XXXX. She too stated I did not owe the extra {$48.00} and I told her why I wanted an e-mail verification. Her reply was " I promise you I will check into it and I will call you by Wednesday XXXX. '' I still have not heard from XXXX. On XXXX at XXXX, I again called FAMC and this time I spoke with supervisor XXXX. She also said I did n't owe the extra money. but when I asked her the name or the entity that I must contact to file a complaint against FAMC, she hung up on me. I immediately called back and contacted supervisor XXXX. She said she would look into it and call me " right back. '' I asked her how many days or weeks it was going to take her to call me and she repeated " I will call you right back. '' It has now been XXXX hours and XXXX minutes since XXXX said she would call me right back. If you have any authority over matters like this, I certainly hope you suspend XXXX 's right to hold mortgages as they know nothing about running a business, let alone XXXX that hold a lien on real property. 

Thank you for your prompt attention to this matter. 
Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

We received a permanent HAMP approval for our first mortgage on XXXX XXXX, XXXX. In accordance to HAMP 2MP, the bank/servicer has an obligation to review the borrower 's XXXX lien, offer a trial period on same, and or extinguish or reduce payments on it ( rate/principal/term waterfall ) in proportion to the HAMP granted first lien. 

Our XXXX mortgage lender, XXXX, is required to report the permanent modification using the HAMP Reporting Tool. Our XXXX mortgage lender GMAC, serviced by an XXXX Call Center in XXXX, keeps transferring me to Ocwen 's Collection Agency or XXXX . They finally advised me that the XXXX mortgage was " written off '' to their affiliated collection company, XXXX XXXX, back in XXXX of XXXX and there is a XXXX balance as it relates to Ocwen. I am cognizant that " write off '' is an accounting terminology and by no way removes the lien or debt. 

Back in XXXX of this year, XXXX XXXX sent us an offer to settle just after we had been verbally approved for our HAMP permanent modification in XXXX of XXXX but had not yet received the attached documents. 

I reviewed the mortgages and liens via our county 's Comptroller 's Office and Ocwen nor GMAC ever processed a lien on our property in addition to the original mortgage. 

Please note, both the XXXX and XXXX mortgage were DISCHARGED AND NOT REAFFIRMED in bankruptcy under Chapter XXXX back in XXXX. 

I have taken the initiative to fax the HAMP permanent modification approval to Ocwen and can not verify receipt of the fax as the loss mitigation department will not speak to me. 

We were advised that the HAMP has to be " matched '' and the Department of Treasury has to officially notify GMAC/XXXX. However, no one can verify nor deny that our HAMP approval on our XXXX mortgage was reported and reflected in the Lender Processing Services ' Applied Analytics Division ( LPS ) data base. 

Our HAMP permanent modification on our XXXX mortgage has " fallen through the cracks '' and no one can assist us as to the status of the tandem 2MP process. 

We seek your help!
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

These people called XXXX of times and a few time said we was going to jail and going to sue us, and the still call about XXXX times a day for sure the same time at XXXX every morning, i told them many times to stop calling and they still call and also call our cellphones. and now they have a robocall system that calls right on time each day. The name of the place is called PortfolioRecovery
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I notified Equifax in regards to information that is not accurate on my report. I have written to Equifax XXXX times over this issue. I was in dispute against XXXX until I received a cancellation. I did not receive an involuntary repossession, this was a disputed account.