davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NM)

My mortgage was with ocwen. I go to pay my monthly payment it says I ca n't. I call Ocwen they tell me they sold my mortgage to XXXX. No one ever bothered to even notify me. I call XXXX and ca n't get through to anyone.
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc. (FL)

XXXX, received a call from Amcol Systems ( caller ID ) asking for my wife to discuss a business manner. I said she was at work and I was her husband. She started to fish for info ( after identifying herself as a collection agency rep ). I said wife was at work and XXXX gave me a number to call ( XXXX ). 

After speaking with my wife, I called the number back and asked for XXXX. She said call was being recorded. 

When asked for written verification of the debt, Amcol Systems rep. XXXX said their protocol did not provide for written verification of debt. I reminded XXXX that this was part of the Fair Debt Collection Practices Act. Instead, she gave me a list of amounts ranging from {$10.00} - {$200.00} and dates filed by XXXX XXXX. No other info was available except for XXXX phone number to call. 

She could not identify what the debts were for, just date and amount. WE were to call XXXX XXXX if we needed any more info. 

Thank You, XXXX
Consumer complaint received 2015-11-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (NJ)

I will continue filing complaints until Chase decides they are willing to help me and the XXXX of other borrowers in financial distress and no way out. I have repeatedly asked chase for some type of modification to lower my loan payments - denied every single time by Chase. I desperately want to pay my loans, as well as my cosigner but we are in desperate need for some type of relief. XXXX, when I spoke to them on the phone, informed me that I can only get a modification once every 12 months - this was not disclosed during the initial round of questioning when I first requested lower payments. What is happening here is completely and utterly wrong - I am begging Chase to make payments that are lower than the current payment. I am not understanding why a agreement can be made to allow me to continue to afford food and living expenses as well as paying my loan. Thank you for issuing a non certified student loan and being unwilling to help the borrower make payments to the loan. PLEASE ALLOW ME TO LOWER MY PAYMENT TO THE XXXX THAT WAS AGREED UPON ORIGINALLY. PLEASE EXTEND THIS FOR 6 MONTHS THAT IS ALL I AM ASKING.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARDIAN MORTGAGE COMPANY, INC. (TX)

Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Cash Time Title Loans, Inc. (AZ)

I have been paying this loan and the balance owed on the the loan remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I did not authorize the purchase of {$52000.00} indicated in my credit report. I did not allow XXXX to run my credit on $ XXXX last XX/XX/year>. Their client XXXX XXXX, had asked a Developmentally Delayed resident on my property to sign a contract to do the work. I have no knowledge of the contract never saw any paperwork of estimates, application of credit and contractual obligations. The XXXX XXXX and XXXX colluded in taking advantage of the XXXX individual. I was able to find out when XXXX put a lien in my property for the landscaping amounting to {$52000.00}.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I 'm currently refinancing my house from a 5-year ARM to a 15-year fixed conventional mortgage. I have applied to several mortgage lenders to compare rates. Capital One has offered the lowest price, but partly due to a limited time promotional offer of a {$1000.00} credit off closing costs, and this offer has been extended ( per email ). However, the lender has not documented it in the Loan Estimate which they provided on Monday XXXX XXXX based on an application I made on XXXX XXXX. I have twice requested that the lender add this promised non-specific lender credit to the Loan Estimate disclosure but they have refused, stating via email : " I had to get an exception for the extra {$1000.00} since it is no longer in effect so it will not show up on the Loan Estimate. I did get the approval though so it will show up on your new loan docs if you decide to go forward on the loan. " and when further pressed, the loan officer stated : " There would be a redisclosure document that you would receive once the loan is in process. I can not apply the approval until after we have started going forward. " This is quite frustrating because I 'm afraid that later they will not honor their commitment since it was not formally documented in the Loan Estimate disclosure. It appears that Capital One is trying to force me to agree to starting the home appraisal, with its {$450.00} non-refundable fee, to lock me in before officially documenting the lower final closing costs. This also inhibits me from shopping around for the best loan rates since their real/lower quote is lower than the one that they are willing to disclose and legally document.
Consumer complaint received 2015-11-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I called Wells Fargo Mortgage back on XXXX of 2015 to ask for a payment plan because I was two months behind, I wanted to make two payments for the following two months, but the customer service representative advised me that they have a modification plan that I can qualify for which is meant to help in this kind of situation and mean while I ca n't make payments until I am approved. I have been in and out of XXXX modifications in the past 11 months. And the payment due kept increasing and growing to now XXXX. I feel I have been cheated and mislead to lose my home intentionally. Every time I try to complain they state that the person handling my account left the company and assigned his work load to another. I intend to keep my home and I want to take my case to court have this investigated. I was able and willing to make the payments before they grow so high and they intentionally waited until it was beyond my means to pay to take my home from me. I have been paying this home for the past 17 years with no problems. Until now. I intend to seek legal help and to contact the local bank and mortgage regulatory entity in my state and file a formal complaint.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

RE : Fair Credit Reporting Act and Dispute with XXXX Account No. XXXXDear Federal Trade Commission, The brief Summary of my case is mentioned below for your review and resolution:1. I have discussed this Billing case with XXXX XXXX dept. and was advised by the consultant to send the details of this case to them and XXXX will send the corrected credit data to the credit Bureaus. But I have not received any response from XXXX yet ; in spite of many phone calls & reminders. 
2. I switched my Phone/internet service to XXXX after informing previous carrier XXXX in late XXXX XXXX Associate told me that I will have to pay early termination fees & estimated amount was not available with them in XXXX XX/XX/XXXX.I was informed that Bill will be mailed to me soon which should be paid on receipt. But I NEVER received any Bill/Statement from XXXX in next three months.Then I have to travel XXXX for 4 weeks in late XXXX to see my very sick sister.I have paid the full Bill of {$200.00} on my return XXXX and which has also been confirmed by XXXX. 
3.However, in the meantime XXXX has reported to Credit Bureaus ( & without first sending me the Bill ) that I am delinquent on their payment.I am not listed on their Online Billing protocol so I have to receive paper bill.Verizon did not call me and or e-mailed about this bill. Therefore this action on part of XXXX is NOT justified and legal under " Fair Cerdit Reporting Act '', Section 15 USC XXXX as this Act directs all Institutions and corporations to make sure to send only accurate and fully credible reports to Credit bureaus after fullfilling all standard billing requirements. 
4. I have called XXXX many times and discussed this issue with XXXX XXXX dept. and also with Billing section with XXXX XXXX and XXXX XXXX on XX/XX/XXXX.XXXX I have not received the copy of Bill ( if it was mailed to me ) and or any explanation about this misreporting on about my Credit. 
I will appreciate it if you wil take up this issue with XXXX and resolve it as early as possible.If you have any questions, please feel free to call me at XXXX or e-mail your questions at XXXXXXXXXXXX. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX MD XXXX
Consumer complaint received 2015-11-03
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

Short sale solutions is working on a short sale on behalf of XXXX XXXX XXXX, she has XXXX loans the first is with XXXX XXXX now XXXX ( XXXX loan ) the XXXX is with Nationwide Credit Inc . Per XXXX guidelines a XXXX mortgage should only receive a max of XXXX from short sale proceeds, nor seller, buyer or agents are allow to contribute. Nationwide Credit Inc is insisting we give them a higher payoff amount despite the fact that we are prohibit to do so per XXXX. The seller has complied to all requirements, has provided all the information requested by NCI that proves her financial hardship, seller is trying to avoid foreclosure, XXXX is willing to work with the offer amount we have, however we can not proceed because NCI is NOT willing to release the lien and issue an approval letter for less than 20 % of the unpaid principal, the total amount due is XXXX. We are afraid this will lead the homeowner into a foreclosure. We can not issue more money to NCI, we would be violation of XXXX guidelines.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Harris & Harris, Ltd. (IN)

This agency continues to contact me at my place of employment after I have asked them to stop. I requested that whatever debt they are calling regarding that they send to me in writing and I have not received anything but they will not stop calling me at work. The 1st time I asked them not to contact me at work the woman on the other end of the line proceeded to argue with me and advising I provided this number which is incorrect. I do n't use my work phone number as a method of contact.
Consumer complaint received 2015-11-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (CA)

I used Google Wallet to pay my roommate rent. It was linked to an account I had recently closed and I did n't realize this until a few days later. I removed the closed account and added my new one and repaid my roommate from that account. Without my consent, Google paid out the original payment and drew my Google Wallet balance negative instead of rejecting the unfunded payment. I never gave them permission to do that and that payment should have just been rejected.
Consumer complaint received 2024-10-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (GA)

Ive been off work due to job injury. I spoke to the mortgage company and explained my situation. Ive been off work for three years but was still making my payments on the regular. In XXXX I notified the homeowner warranty company that my pipes burst..I notified the mortgage company also. I had to come out of pocket to make those repairs. The mortgage company has representatives there thats not efficient or reliable to know their jobs. Ive been communicating with them because of the water situation and the leak issues from the air conditioning system. So being that I was on workmen compensation I applied for a modification with the mortgage comp. Since XXXX and I feel as if I am getting the runaround. So I couldnt use the workmen comp income so I kept applying. Now my home is subject for foreclosure and every payment I sent to the it was sent back to me but they were able to keep one payment in XXXX. So I was told that Im 8 payments behind but Im 7 payments. In the meantime I was told by a representative that I was up for foreclosure and my house will be sold if Im not approved again or pay the amount due. But the problem is I cant get a total amount that I need to pay. I really do think that this mortgage company is not trying to help me out with modification. Everytime I send payments they are returned..I think that Im getting the runaround with my mortgage company.
Consumer complaint received 2015-11-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX I took a personal loan of {$10000.00} from One Mian Financial Services - also doing busines as CITI FINANCIAL. I paid for the insurance in case of illness. XX/XX/XXXX I was diagnosed with XXXX. The insurance paid, however, in XX/XX/XXXX and XX/XX/XXXX the payments were late. CITI sent my account to XXXX XXXX XXXX - their internal collection dept. My insurance paid the account bringing it current in XXXX XXXX. XXXX refused to take the account back and I continued to pay XXXX XXXX XXXX as agreed until the account was paid in full in XXXX XXXX. XXXX / One Main Financial has refused to report this. Instead, they are continuously reporting my payment as late and despite multiple disputes via XXXX and XXXX and talking to One Main directly, they have refused to update my credit report showing the account paid if full. My FICO score has now dropped form XXXX to XXXX - all because this shows I am now 120 days late with a balance of over {$5000.00}. I want this resolved as soon as possible. All late payments should be removed. The balance should show XXXX and the account listed as paid in full.
Consumer complaint received 2015-11-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

FRAUDULENT FORECLOSURE : I TOOK OUT A LOAN BUT THEN MY MONTHLY PAYMENT INCREASED TO AN AMOUNT THAT WE DID NOT AGREE TO. I TRIED TO DEAL DIRECTLY WITH THE BANK BY DOING A LOAN MODIFICATION BUT EVERY TIME I HAVE TIRED, THE BANK KEEPS ASKING FOR DOCUMENTATION THAT I ALREADY HAVE SENT TO THEM. ALL THIS TIME IT SEEMS THAT THEY HAVE KEPT ME ENTERTAIN DOING A LOAN MODIFICATION BUT IN REALITY THE BANK JUST KEPT MOVING WITH FORECLOSURE PROCEDURES. THE SALE DATE IS SCHEDULRE FOR THE XXXX OF XXXX OF 2015 BUT THE BANK HAS NOT SHOW ANY SIGNS OF GOOD FAITH TO TRY TO RESOLVE THE ISSUE IN A DIFFERENT WAY.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This complaint involves Bank of America ( BOA ) Mortgage Account. BOA escrows the funds to pay my homeowner 's insurance as a part of my monthly mortgage payment. 

In XXXX of this year, BOA informed me that starting in XX/XX/XXXX my monthly mortgage payment would rise from {$3400.00} to {$4100.00} to cover my newly received homeowners insurance bill for XXXX XXXX through XXXX XXXX of {$6400.00}. 

I immediately contacted my homeowners insurance company, XXXX. My normal homeowners ' annual insurance coats were approximately {$2100.00}. I continued to make my usual payment of {$3500.00} ( the mortgage plus {$6.00} towards the principal. ) XXXX explained that the total of {$6400.00} was for THREE YEARS : XXXX XXXX through XXXX XXXX and could be AMORTIZED over three years. And did NOT have to be paid in one year as BOA was attempting to do. This would return my monthly mortgage back to its original amount of {$3400.00}. This amortization could be retroactive back to XX/XX/XXXX when BOA first attempted collect the higher monthly mortgage. In fact my homeowners insurance had not gone up at all. 

On XXXX XXXX, XXXX, the XXXX XXXX notified BOA of the three year amortization. However, BOA continues to demand the larger payment of {$4100.00}. When called BOA ACKNOWLEDGED RECEIVING THE COMMUNICATION FROM XXXX. 

Last week, I was notified by a credit watch agency, BOA has posted on my credit reports a MORTGAGE DELINQUENCY, even though I have continued to pay my mortgage on a timely basis.
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optima Recovery Services LLC. (TN)

I was made aware of a purported debt many months after it had been sent to collection. I have never received a notice, call or letter from the collection agency ( Optima Recovery Services ) but they reported the debt to the credit bureaus and now my credit score has dropped significantly. 

I sent a certified letter to Optima Recovery Services in XXXX 2015. The letter explained I did not owe the debt and included a copy of the cleared check showing the item had been paid. 

I received no response from Optima and the item is still on my credit report.
Consumer complaint received 2015-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.
Consumer complaint received 2016-02-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ASSOCIATED BANC-CORP (WI)

I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I have been disputing this medical bill on my credit report for over a year now and neither the collection agency nor the credit bureaus will remove this record. All my medical bills have been paid to my knowledge and I have contacted the responsible parties several times for this to be corrected. They have not been able to show proof of this debt or any additional information regarding the balance. I have contacted the creditor as well and they also have no records of this debt. Please help me clean this off of my report so that I can reach my financial goals.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My bank is wells fargo. I feel like they are setting me up to fail. I am in short sale process. I have complied with all requested information. They said I have 90 days to get a contract for sale or they will forclose. I worked with an agent. I got an offer on home that is XXXX dollars under what I owe. With colsing cost it will be about XXXX short. Were I live there are about XXXX homes for sale and only XXXX buyers. I submitted offer and they are telling me and my agent that we can not talk to loan short sale processor. I have to go through a liquidation advisor who never returns my call. When he does not return calls I have to talk with someone in the central pool. Now they are telling me that they have 90 days to respond to offer but if I do n't get the bank to sign off on this deal by end of the week the buyer will walk away. It is a very fair offer and I will most likely not get another. While I am trying to get this offer approved they are progressing with foreclosure and one department does not know what the other is doing. I have to move out of home in a month. I will not be able to keep utilities on. XXXX will adversely effect the house if I shut off utilities. They are making it impossible for me and feel that they are pressuring me to just sign home back to bank. Please help