davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track. 

I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment. 

As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX-XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX-XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. I am a current Chase customer with two chase credit cards. One is a Chase Freedom Card account ending in XXXX it was recently changed to XXXX and the other one is a XXXX Chase Card account ending in XXXX. Recently i was a victim of multiple non- authorized purchase because i never authorized any of those transactions. One account ending in XXXX had a total purchase for {$8300.00} and the other account ending in XXXX for a total amount of {$2700.00}. Recently i have disputed the both amounts with Chase and explained to them what happened and they submitted a claim on my behalf for both accounts. Time passed and i received a result for one of my disputes for account ending XXXX saying thank you for letting us know about the use of unauthorized use regarding your credit whichever transactions identified as unauthorized will be rapidly eliminated from the account. After receiving that letter for the account ending in XXXX i waited to hear a response for the other account ending in XXXX i never received anything. So yesterday i went to the bank and spoke with a teller and inquire about my dispute for the account ending in XXXX they personally told me that Chase will no longer be covering the unauthorized claim for the account ending in XXXX even though the dispute came in my favor for account ending XXXX. They have also mentioned to me that it was because they found out that all the purchases done from the dispute came from my home address and was advised to contact the CFPB to see what can be done about it. What i dont understand is if they claimed that all the unauthorized were done from my home address why would one Dispute be in my favor and the other wouldnt. In this complaint form i have also attached the result of one the outcome for account ending in XXXX
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc. (NY)

I came across a report on my XXXX XXXX account that a company had open a collection account on XXXX bureau on my name that I never heard from or known of. The agency name is XXXX XXXX:XXXX XXXX XXXX, XXXX , PA XXXX which is the creditor which is put the fraudulent information. The report have a certain XXXX XXXX XXXX XXXX. as original creditor. I have never visit an office or emergency room on that name nor know of the existence of a practice like that. those fraudster use my name to create that account on XX/XX/2018. And posted an amount of {$640.00} owe to them. I would like to know how they got my information and create that account.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

in XX/XX/2018 I attempted to remove 3 collection accounts from my XXXX and XXXX   credit profile.The acounts are inaccurate and they have not verified the contract between me and the following 3rd party collection agencies. I'am not liable to pay any 3rd party debt collection agency as the original debtor has already been compensated for such losses through taxation or insurance.
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (NC)

I had a collection placed on my credit with SECURITY CREDIT SERVICES, I contacted them several time to resolved it. I was able to talk to someone on XX/XX/2018 and settled the debit by paying it in full, only after repeated attempts to get a copy of the rental contract I sign. I never received the contract with my signature as I requested several times. I needed it to get off my credit as it was preventing me from gaining a home loan. I paid in full the balance as required and for accepting my payment in full they agreed to fully remove the collection from all three credit bureaus. I have received notification that it was listed as paid but still on my credit bureau and has not been removed as agreed to. furthermore I have requested proof that they sent a removal to credit bureau and as of today have not received this. I want them to live up to the deal that was agreed to. I am also contacting the XXXX, NC Attorney General and filing complaints prior to filing a small claim lawsuit in civil court.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Companies- XXXX/XXXX/Equifax. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as  possible. 
Thank you
Consumer complaint received 2018-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANDMARK ACCOUNTS, INC (MI)

On XX/XX/2018 I filed a written demand ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) for Validation of Debt with Landmark Accounts Inc. a debt purchaser in XXXX, IN for an negative collection account they placed on my consumer credit files with XXXX , XXXX, XXXX   and others. 

I requested legal validation and documents showing bearing my signature that makes me liable for this account. 

It has been more than 30 days and Landmark Accounts Inc. has refused to validate the debt and continues to report the debt as valid to the credit bureaus. I am requesting your assistance in getting this debt validated or removed.
Consumer complaint received 2018-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (VA)

I purchased a car from my now ex-husband as a part of our separation agreement. The car was financed with XXXX XXXX XXXX XXXX when he was the owner. I applied for, was approved, and signed loan documents for the auto loan on Wednesday, XX/XX/2018. The bank manager that was at my document signing ( stated ) had not only " never done this before '' but was also being walked through the process by someone on the phone at corporate. Not only were documents missing, my ex husband having to be called back in to sign more documents, more phone calls to corporate, but he also told me that PNC would handle the title and I would have nothing to worry about. I would like to add that I do not feel at all this was his fault, but a lack of training from his superiors on the common products and processes that PNC offers. After numerous calls from him, XXXX messages with PNC bank, dozens of calls made to PNC corporate, including speaking with representatives from their Retail Escalation Unit to include XXXX XXXX, I have been told these conflicting instructions from varying members : PNC would handle the titling, I have nothing to do XXXX would send the title to my ex husband who would give it to me XXXX would send the title directly to the DMV, who would issue the registration XXXX would send the title to PNC corporate in Pennsylvania, who would handle the titling XXXX would send it to the local office, who would handle the titling XXXX would send it directly to me, to take to the DMV PNC needs more time to process the request I have called multiple times and been told multiple things. It has now been over three weeks since I signed my loan documents, with the first payment coming up on a car I can not even drive because it is not registered to anyone, and neither myself nor PNC hold the title currently. Yesterday ( XX/XX/2018 ) I was finally reached out to by XXXX who told me XXXX was sending it directly to me, to my address, which I confirmed with XXXX. She stated they either sent it out on the previous Friday, or they were sending it out that day. Today, ( XX/XX/2018 ) I received notification from my ex husband that he received the title ( XX/XX/XXXX ), at his address, with the title still in his name. I yet again reached out to PNC on XXXX and was asked for a third time for my name and number so someone could resolve this to me. I told them multiple times I would be submitting a CFPB complaint over this atrocity.
Consumer complaint received 2022-07-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (LA)

I purchased a used car XX/XX/XXXX financed through Westlake Financial. The car was repossessed in XX/XX/XXXX. I did not get any paperwork saying the car was being sold nor did I receive paperwork saying the car had been sold and that I owed the balance. I recently was shown multiple violations to my auto contract and requested a copy of my contract from Westlake Financial XX/XX/XXXX and a week later, that's when I was served a citation through District court saying I owed. I do feel this was a adverse action but according to our signed contract, per the Westlake, we must go through Arbitration and not the courts. I filed a motion to dismiss and compel arbitration - no waiver of rights. I will show that his contract is subject to the Truth In Lending Act, and that Westlake is a creditor as defined in 15 U.S. Code 1602 ( g ). The term finance charge refers to the total of all charges, as defined by 15 U.S. Code 1605 ( a ). The finance charge, according to15 U.S. Code 1605 ( a ) ( 2 ), is supposed to include the Service Contract Fee and these charges were not included but charged additionally. The finance charge does not include cash comparables. I was charged a down payment in the amount of {$2500.00} Charging a down payment where no cash should have been included is a violation of TILA. This is a violation of 15 U.S. Code 1640 ( a ) for failing to comply with TILA. I was told that I must have insurance to take possession of the vehicle but it says in 12 CFR 1026.4 ( b ) ( 8 ) that property insurance is required, and because it is required it was supposed to be included in the Finance Charge. It was not included in the Finance Charge therefore you, the Creditor, violated U.S. Code 1605 ( c ). It is clear that Westlake Financial would be held liable under criminal liability in the court of law in accordance with 15 U.S. Code 1611 ( a ) as for Whoever willfully and knowingly gives false or inaccurate information throughout this agreement governed by the Truth in Lending Act.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (CA)

On XX/XX/2018 a default judgement in the amount of {$5000.00} was entered against me in a Civil Case in XXXX XXXX County court that was not the Court in my immediate area. I was never notified by by Persolve LLC that I owed them a debt, nor was I informed of what the debt is for prior to them filing suit. I still do not know what this debt is they fraudulently claimed they served me at a business postal box. They shared information regarding the lawsuit with the business owner who informed them I no longer had an active mailbox with them and could not accept any documents. The individual then yelled at her stating she had to accept the documents. When I returned to the area and wanted to establish a mailbox again the owner informed me that someone had come in there and yelled at her. She was not provided a name and since I had no knowledge of the case I was not able to figure who or what she was talking about. I was never provided any court dates to defend my rights to respond. They fraudulently moved forward with a default judgement in a Civil Court case, if the  debt is even valid ; knowing I was never served. 
- No Notice to Dispute Debt - Debt is Unknown - Fraudulent lawsuit, never served to respond - moved forward to get a default judgement knowing I was never served
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Civic Financial Services, Inc. (OR)

Civic Financial and XXXX XXXX XXXX have a ) incorrectly posted and maintained my mortgage history file and reported late payments, when each and every payment was timely made in the month when due, and b ) then submitted a false payoff demand with erroneous fees and charges, causing the collapse and forfeiture of the conventional refinance which was being closed to pay off the high interest rate Civic loan. 

The complete chronology and all support documents are available which verify the timely payment, and the fraudulent accounting ledger and payoff demands from Civic Financial and its subsidiary XXXX XXXX XXXX. 

My efforts to rid myself of the plague of Civic Financial and their servicing entity XXXX XXXX were subverted by Civic and XXXX, as their improper accounting and misrepresentation of my payment history again resurfaced, when XXXX submitted their erroneous payoff demand to XXXX XXXX XX/XX/2018, adding charges for monthly payments that had long before been tendered and received by them, plus adding late fees and other extraneous charges, driving their loan payoff demand up from it's true amount of {$270000.00}, by no less than {$14000.00}, to an amount of {$280000.00}. This then caused failure of the substitute " hard money '' loan, as the payoff demand exceeded the total funds available of the new {$280000.00} replacement loan. 

As a result of Civic/XXXX  false mortgage history report, I was financially harmed in three manners : by the loss of the far lower mortgage interest rate : 5.375 % instead of the 9.5 % that Civic was charging  ; and the magnified effect of this interest rate differential over the 30-year life of the new XXXX   loan, the costs of the appraisal, and the impairing of my credit report, causing higher interest rates on all other forms of credit. 

DAMAGES : Civic/XXXX XXXX false report of late payments was the direct, sole and proximate cause for the termination of the closing of the approved 30 year fixed rate conventional loan, with interest at the rate of 5.375 %. The interest rate differential over the life of that loan, versus the high interest rate charged by Defendants is both substantial and readily quantifiable : - Civic Financial Services Note Rate : 9.500 %. 
- Approved replacement Note Rate : 5.375 % - Loss of New Loan : {$270000.00} @ differential of [ 9.500 5.375 ] 4.125 % : - 30 year loan forfeit as a result of Defendants ' behaviors : {$270000.00} x 30 years x 4.125 % = {$330000.00} - Extension Fee I paid to Civic : {$2800.00} - Appraisal Fee Paid for New XXXX loan : {$1100.00} - Defamation of Credit Character : Impact reasonably projected to extend for 36 months : Cost of Credit increased by 6.0 % Average credit balances : {$20000.00} $ XXXX@ 6.0 % per annum ; {$1200.00} per annum ; Over 3 year impact period : {$3600.00} - Summation of Damages : Loss of New Loan : 30 years x 4.125 % = {$330000.00} Extension Fee : {$2800.00} Appraisal Fee Paid : {$1100.00} Credit Impairment : {$3600.00} TOTAL FINANCIAL HARM : {$340000.00}
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

Companies- Experian/XXXX/XXXX. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as possible. 
Thank you
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OR)

This complaint is concerning my Chas Sapphire Reserve card benefits, specifically filing a claim through their Card Benefits Service ( XXXX XXXX XXXX  ). I had liquid damage to a laptop purchased with my Chase card and within the 120 day window. I provided the estimate for repairs, photos of the damage, and receipt of purchase with the card used. According to my benefits, it clearly states Purchase Protection should reimburse me for up to {$10000.00} a year. I submitted a claim and it was approved and a check for {$500.00} sent out without my approval. No explanation was given for why that amount was selected. 

My estimate for repairs was for {$1700.00} and the laptop was purchased for {$2600.00}. Chase refuses to respond to emails and their phone line never connects to a representative, even after waiting on hold for hours ( multiple attempts ). Called other customer services numbers and, when I did get an agent, was passed back and forth between representatives again forced to wait on hold for hours and eventually being disconnected or told no one was available. ( they also claim on their site to be available XXXX ). 

The Card benefits site site also prevents me from submitting a new claim for additional reimbursement. My claim number is XXXX.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (PA)

On XX/XX/2022, Pioneer Credit Recovery of XXXX, NY identified an alleged debt, which I do not owe. 

On XX/XX/2022, I wrote a dispute letter to Pioneer, requesting that they stop communication with me, record my dispute, and provide verification of the debt if they believe otherwise. 

Pioneer has not responded with verification, but has attempted to collect the debt since then by phone ( XX/XX/2022 ) and mail ( XX/XX/2022 ).