davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Initiated refi with Roundpoint Mortgage XX/XX/XXXX, called a week prior to loan transfer to inform County Taxes ( 6 months ) and Hazard Insurance ( year ) was paid last month. 

XX/XX/XXXX Roundpoint paid County Taxes and Hazard insurance causing a " shortage '' in our account, i informed them of their mistake they said they would take care of it and request refund and place fund back into escrow balance. 

XX/XX/XXXX, Roundpoint sent us a notice that our mortgage was going up due to a " shortage '' in our escrow account. I had to call and inform them of their mistake and that our account had been refunded our County Taxes and Hazard insurance ( {$4300.00} ). They informed they would run a new escrow analysis since fund had been returned but not accounted. 

XX/XX/XXXX, escrow analysis was never completed. Called again, Roundpoint informed they would run one asap. 

XX/XX/XXXX, Roundpoint has an overage in our escrow account ( over $ 2K ), taxes have not gone up and hazard insurance has not increased, yet Roundpoint withdrew an extra amount to cover for a " fictions escrow shortage ''. Contacted Roundpoint, they never apologized and still initiated the extra amount for XX/XX/XXXX to cover for a non-existent shortage. 

XX/XX/XXXX, Roundpoint sent us a check with excess amount owed back to us causing a real shortage in our escrow account and causing our mortgage to go up! 

These people are totally incompetent when it comes to numbers and escrow accounts! They have illegally raised my mortgage when my fixed rate can not change and my County taxes and Hazard insurance has not increased. 

I have only had their " service '' four months and they have not got ANYTHING right, i have had to call every other week to request promised excreted analysis be done and demand my payment return back to what it was locked in at. 

AVOID this company.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I have XXXX separate accounts with the Santander bank so as not to co-mingle funds for a XXXX property that I own. I recently deposited a check into my personal account. That check was returned for insufficient funds however it was charged to an unrelated account. 
I 've contacted the bank and explained that I did not want funds comingled however, the bank representative stated that this was " not best practice '' but legally acceptable. 
By doing this this bank has reduced the balance in this account to a very low level and has put me at risk for insufficient funds in this account only. If they would only correct their mistake and use the proper account there would be no issue.
Consumer complaint received 2017-03-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (AZ)

Re-dispute to Case #  XXXX   Dated   XXXX / XXXX / XXXX  This is getting ridiculous. Please review my previous dispute and incomplete response.   A. Lost Paymen t - Surprise, a fter 67 days, they found it, only after receiving CFPB complaint, even though I had told them many, many times. Just listen to taped conversations! They tried to call me back once , HA.  They knew the issues after all of my calls, why did n't they just fix it!!!!!!!! I could n't get  XXXX  took talk to me when I was calling. Do n't do this to people.   B. Incorrect  XXXX  ( although i incorrectly said  XXXX  ) - Still incorrect, consumer harm getting worse if I have to extend my  XXXX  tax return.    C. Poor  Customer Service - which continues, No one will help me!!!     Yes, I am delayed in redisputing as I did not know there had been a written response to CFPB, I guess I though Shellpoint might be kind enough to send me a letter too. I had noticed they had found my payment ( SURPRISE, took CFPB to get involved ).     I contacted Shellpoint last week asking for consumer complaint department. First day, I was told they close at  XXXX , ok, I am  3 hours  earlier. Next day, called again, " oh, we do n't have a consumer complaint department ''. Found the response letter on CFPB website, contacted and left  VM messages FOUR ti mes this week, no response. If she is on vacation, someone else should pick up the call and return. I told her I did not want to re-dispute to CFPB as I know that is a very bad thing for Shellpoint. I was willing to resolve with her, now have to escalate, again.     Closed as an isolated incident. Seriously, multiple things wrong. Good cover though. I feel for most people, who do n't understand this process. Oh, and CFPB does n't have many complaints about you as you have know way for people to easily know to complain to CFPB unless they go to a lawyer. And, you do n't have a complaint department. My complaints in  XXXX  and  XXXX  certainly did not get escalated through your normal channels.     Fix your policies, procedures, training and customer service and give me a revised  XXXX . I need to file my tax returns. I 'm not letting this go. If I have to file an amended return because of your incompetence, you will pay for it.     CFPB, I am happy to help you with this company, I 'm an ex-regulator of mortgage industry, most of my current co-workers are ex-CFPB. Happy to share my knowledge.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (NC)

I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is my fourth complaint on no resolve to my problem with bank of america, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the bank of america customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!
Consumer complaint received 2017-01-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

On XX/XX/2016, XXXX XXXX, XXXX, MI performed XXXX ordered by XXXX XXXX, XXXX. {$380.00} bill submitted at end of visit and paid in full w/ XXXX. XXXX sent additional bill dated XX/XX/2016 for {$88.00} for XXXX XXXX XXXX XXXX. XX/XX/2016 letter mailed to XXXX disputing bill and telephone call to XXXX. XXXX XXXX did not order this test & stated same in XX/XX/XXXX letter. XXXX letter dated XX/XX/2016 denying XXXX order mailed to XXXX on XX/XX/2016. On XX/XX/2016 complaints submitted to XXXX Attorney General, XXXX Attorney General and XXXX Attorney General. Communications from these agencies stated XXXX did not respond to inquiry. {$88.00} turned over to collection agency, American Medical Collection Agency. I sent several letters and made two telephone calls giving facts regarding fraudulent bill for lab work which was not ordered. XXXX has ignored all communications between customer and State Attorney Generals.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (CA)

AARGON is reporting a medical collection on my credit report that they have re-aged in an effort to do damage to my credit and thus force me to pay them when I am in dispute. It is a medical bill that my insurance company was billed and they paid. I do not understand why they feel their is still a balance. I have asked for an itemized accounting of the bill many times but never have received it. They have not validated the debt yet they are reporting it, re-aging it, and it is a duplicate. They are also reporting it under " XXXX '' on my report as opening XX/XX/XXXX. So to summarize they have never attempted to validate this debt despite my disputes, have re-aged and duplicated this alleged debt.
Consumer complaint received 2016-07-18
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Progreso Financiero is Poising my Credit Score every month, I told them 2 years ago I 'm not able to Pay, I was in a Car Accident and was not able to pay, I still owe money to some Medical Facilities and Keep paying as today, but they decide to Poison my Credit and want me to pay more than I can afford and I ca n't, since then every Month they send to the Credit Company 's like XXXX that my Account is Delinquent Account and is Collection/Chargeoff, I been paying other credits cards and other bills on time but my credit is still in XXXX because of them. 

I Send an email to the Credit Companies like XXXX and XXXX and they Still allow them to do it, I feel Hopeless and do n't know what to do, When the financial market broke in 2007 I also lose my Job was not able to pay, I file for bankruptcy and my credit was getting better after that. but I was in an accident years latter and now this Company has been tide my Credit for the last year just because they want to.
Consumer complaint received 2016-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Progressive Financial Services, Inc. (CA)

I XXXX in XXXX as a way to pay off my federal student loans, the XXXX apparently did not register XXXX loan. I was unaware of this and only found out this year when my taxes were withheld and my wages garnished. The Department of Education sold my loan to a collection agency, I asked the agency to provide proof that this is in fact my loan, and provide proof that they acquired this loan from the Department of Education as well as the amount that it was for. The collection agency has repeatedly refused to provide this information. I did not want to pay unless I knew that this was a legitimate debt. 
I stated that if they could provide this information, I would pay. Now they have garnished my wages and put my job in jeopardy. Furthermore, I was XXXX for XX/XX/XXXX, got out of the XXXX in XX/XX/XXXX, and started my XXXX XXXX in XX/XX/XXXX. I am not sure on the law, but I believe that I should have been protected during this time. 
Lastly, to reiterate, I only found out about this debt recently. However, I have heard from multiple collection agencies regarding the same alleged debt, how am I supposed to know which is valid and or real. I first heard something of this debt in the past two years, but could get no real information, so I let it go. I only realized that it was real after the aforementioned garnishment.
Consumer complaint received 2016-06-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (OH)

I am trying to rebuild credit due to a divorce and get copies of my credit report on a regular basis. Yesterday a collection popped up on my account from a place called Midwest Recovery for {$1000.00} it says was opened XX/XX/2016. From XXXX XXXX XXXX. I have not any loans with any of these people. I have not received any communication of any form from this company but yet they put something on my report. I am in the process of disputing with the credit reporting agency as well. But this is not fair. This is not my bill.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I went to pay my credit card bill on the day it was due at XXXX, however Capital One said my payment is late because it was made after XXXX Eastern Time. I do not understand how it is legal to charge me a late fee when I did pay my bill on the day it was due, before XXXX in my time zone. I live in Oregon, which obviously is Pacific Time. I believe that is shady, and a scandalous way to make money off of consumers who pay their bill on the due date.
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

My Fed loan repayment is with Navient. I have been scheduling my payments, it goes through but they say they never got it or my information was incorrect which is strange because it wo n't give me payment confirmation if it was n't correct. And because they never withdraw money, they keep accumulating interest on my payments, in XXXX i payed my monthly payment and two weeks later, i payed the same payment with overcharge and i just received a letter that my scheduled payment did n't go through and that my auto pay is cancelled and i will incur more over charges. i do n't know what the XXXX Navient is doing.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for the secure Capital One credit card got approved and made the required down payment. The card arrived and tried to activate online but got error this could not be processed and would need to call to activate. I was then told account was flag for fraud to my surprised, as seem crazy for someone stealing my identity to apply for a secure card and pay with their own money from their bank account the down payment required to open the account. I was then told needed to send in my driver 's license thru a secure email link as proof showing the address I applied with and I did. I contacted them back a week later as did not hear back with confirmation card was activated. Now being told I need to also send in my SSN, bank statement and a utility bill as well. Capital One claims this is to prevent fraud but yet asking customers to provide all their personal information that someone can now decide to use and in fact steal my identity. I find this ironic and refuse the provide them anymore documents especially my bank statement which shows my full account number. I 've already provided my driver 's license and SSN which is too much information already. At this time I rather the account be cancelled and refund my down payment back to my bank account. I will put an alert on my credit report as well to make sure my identity is not compromised seeing as how a copy of my license and SSN is now in the hands of some unknown person or persons at Capital One. Where is my guarantee my information provide has not been compromised.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Hello, my wife opened a credit card in my name back in XX/XX/2013 that I was n't aware of till recently. I wrote a letter to capital one and so did she explaining what she had done and if they remove the negative remarks and account information off of my credit report. They said they where doing a investigation and it would be resolved. Do n't make any payments due to I would get reimburse and it would all come off of my credit in the end of the investigation. She wrote a letter asking for them to put the debt in her name and she would work on paying it off due to not wanting to have legal issues over this. They did a small investigation and never asked for additional information on this nore did they send a letter to me about questions as to how we wanted to proceed. They just decided to assign it with a new account number and considered it my debt???? My wife is willing to sign a reconciliation letter and pay it back but I do want this removed from my credit report.
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

How is it that the owner of the mortgage was never the owner as assigned to XXXX XXXX XXXX XXXX tn XXXX in there own words. How can you legally assign a mortgage to someone that does n't know they are the note holder or owner then sell the servicing rights to another servicer?
Consumer complaint received 2017-01-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (SC)

I was contacted about 2 months ago by someone claiming I had a payday loan from several years ago ( XXXX? ) that was due. They claimed it was between $ XXXX and it was never paid. The ONLY payday loan I ever took was from XXXX back in XXXX of 2013 for a trip to DC for my anniversary but this was settled and a terrible experience.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have received multiple balance transfer offers from capitol one for my union plus card. I have resisted doing one because of this part i can not see being legal based on current laws. I think its in violation of SEC. 104. APPLICATION OF CARD PAYMENTS of the Credit CARD Act of 2009 There flyer states on the back where no other info is printed besides the back of the balance transfers check : " If you pay your balance in full each month. you do not pay interest on your purchases. Please note, After you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ''
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

These inquiries are unauthorized and I am victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

This is in connection to Complaint Conf # XXXX. It is not XXXX, but XXXX. I apologize for this error. 

This XXXX mortgage was not included in the bankruptcy. Please see attachments ( pages 5 & 6. ) There are two XXXX accounts : one is home equity loan and the other one is mortgage. It was transferred to Ocwen Loan Servicing later on. Before we filed for bankruptcy, we applied for loan modification. which process took more than 2 years. The house was sold on a short sale in XX/XX/2016. I contacted Ocwen regarding the inaccuracy of my credit report about what 's included in the bankruptcy. Ocwen have immediately suppressed the two accounts from credit reporting. I am requesting XXXX to do the same. 
Thank you so much!
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX I want to file a complaint do to the fact someone has opened a credit card in my name and used up XXXX dollars in a XXXX XXXX card, and none of the companies want to give me the information that I found on XXXX to check my score. And found a card that I did not open, that someone else has opened in a XXXX XXXX credit card I would like to press charges against that person .I also would like all the information about what, were, how, and who, was this person so I can make a police report. And they will not give me the proper information to do what I need to do .so this person will get caught .I would like to know why I can not get all my information on the card that was opened in my name .and why XXXX XXXX will not give me my own information .that someone else used, they told me not to worry about to let it go, Please call me if any???? XXXX XXXX at XXXX
Consumer complaint received 2016-04-20
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (FL)

GC services has been harrasing me for years. My sons student loan should have been dischargesdischarged in 2007 when he passed away. They call me repeatedly on my cell phone after asking them to stop calling, now they are calling my employer. 
They are rude and upsetting to me because the lady keeps saying she does n't care my son died.