davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I am US Military Member currently XXXX. On or around XX/XX/XXXX I logged on to the OCWEN website a made a mortgage payment as usual. I make the pay on the XX/XX/XXXX of every month because this home is a rental and I usually do not receive the funds from my property manager till around that time. I do not know what happened, but I guess the payment did not go through. Since I am XXXX and do not have access to my phone number from home, or my mail I did not know that the payment did not go through. I was not contacted by email that my payment had not been made either. I then made a usual payment in XX/XX/XXXX online, I still did not notice that I had a delinquent payment because I had no reason to look for it. Some time towards the end of XX/XX/XXXX I got a email that it was reported on my credit that I had a late payment for my XX/XX/XXXXpayment. I then looked online at the account and caught the error. I immediately brought the account to current status and contacted the company about the error in payment processing. I relayed to them that I was XXXX at did not have access to the cell number listed, or my mail so I did not know that the payment did not go through. I sent them a email to request that the late payment be removed from my credit history since this was indeed a true error. I asked that they look at my payment history and see that I have never missed a payment. I also sent a copy of my orders for them to verify that I was XXXX  and did not have access to the listed phone number, or mailed statements.
I have worked very hard at keeping good credit history and if I was truly not making a payment I would see why they would not remove this. But given the circumstances surrounding it, I do not think it is fair to keep this on my credit history. If I was not XXXX this would have never happened because I would have received a courtesy phone call, or a notice in the mail ensuring that I caught the error and made the payment before it was considered 30 days past due. This will now affect my credit history for up to 7 years, and I not believe this is right to do to service members. 

I tried to correct with the company but they would not remove it from my account or credit history.
Consumer complaint received 2017-10-11
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: Midwest Recovery Systems (TX)

If this is not removed from my credit I will be suing them for violation of the XXXX. I have never done business with midwest recovery for XXXX flags and never received any notices. They have put a collection on all XXXX of my credit bureus. I request this to be removed immediately.
Consumer complaint received 2017-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. My Capital One credit card ( XXXX ) was maliciously accessed by a third party and fraudulent payments were made without me being aware. All of my accounts, including this Capital One credit card have always been paid on time with ZERO lates up until the fraud occurred. Sometime on XXXX 2017, I received a notification from my credit monitoring system that one account is reporting a 30 day late. After further investigation, I found out the account in question was a Capital One credit card ( XXXX ). The fraudulent payments led to my account closure by Capital One. I contacted Capital One at least 7 to 8 times and each time I was given conflicting statements. Some representatives claim a request was put in with the bureaus to get the 30-day late mark removed and some others say it 's not possible to get it removed. 6 months later, it is still showing a 30 day late due to fraud. I submitted disputes with all 3 bureaus to non-avail. Please find a police report attached and kindly remove the 30-day late mark from my report. I was not the one that initiated the fraudulent payments. I corrected the situation as soon as I could and the account is now paid off in full. I appreciate your help and cooperation in this matter. I have been a loyal Capital One customer since I was XXXX years old.
Consumer complaint received 2017-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (GA)

XXXX XXXX XXXX my Husband passed away XXXX-XXXX-12 and had a loan with BB & T Bank for XXXX i went to the bank when he passed away a took the right papers and XXXX certificate. the teller told me to just contiue to make the payments. He did not ask for a Executor of estate. just make payments so i did but i missed 3 payments over the five yrs due to takeing out a loan to put a roof on the house and gutters to keep the basment from flooding and a hot water heater .over the yrs and i work for XXXX . that 's saying a lot. but for me it has been a struggle but i have gotten the loan down to XXXX pluse know they say i owe for miss payments i tried to go in and make a payment but they would not take my payment back in XXXX they ask me to get so the executor of estate but know they what me to finish paying the loan off and the taxes and insurance on the loan. my husband had credit cards and he put windows in the house that he was paying for and they wrote that off when i sent them the XXXX certificate .And my name was not on that loan.but they wrote them off. and i did get the exector of estate my husband had nothing in his estate .he XXXX suddenly, the bank loss the paper that i gave the 5yrs ago. our house was already paid off.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Vitek Real Estate Industries Group, Inc. (CA)

I have a 30 year fixed mortgage with XXXX XXXX XXXX. My normal payment increased over {$500.00} due to a new tax assessment. I recently started a new business and I am unable to afford to make the required mortgage. In XX/XX/XXXX I requested to work with Vitek Mortgage using their Loan Workout Program which offered a Loan Modification. At that time I mailed the required information to their office in New Jersey in mid - XX/XX/XXXX. I called customer service several times to verify if they had received the information. The package was received and sat in there mailroom for over a month. Finally in XX/XX/XXXX the information was moved out of the mailroom. Several documents were resubmitted at that time because the information had expired. I sent the requested information in with 48 hours of the request. That information included items like paystubs, bank statements and identification. After waiting another month, I called again to check on the status of the loan modification and was told that addition documents were needed. The requested were a Hardship Letter, a Profit and Loss Statement, and a Contribution letter from my wife. All of which was faxed and received by Vitek on XX/XX/XXXX. At that time, I was told that I needed to wait 30 days for a response from the Underwriter. I waited the required time and called again to customer service to get status on my loan modification. The representative that I spoke with told me that the Underwriter had not looked at my file and that they would escalate the matter. I have since " escalated '' this issue on three different occasions since XX/XX/XXXX and have yet to get a response from Vitek Mortgage.
According to Section 6 of the Real Estate Settlement Procedures Act this servicer has not complied with the requirements of this law and should be dealt with accordingly. I hope that you are able to help me with this mattter
Consumer complaint received 2017-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Hi, My last credit score that I got from XXXX was over XXXX points. I applied for a credit card with XXXX and have not been approved. I was also a victim of the Equifax data breach. XXXX directed me to enroll in trustedid to help with protecting my information. I have received three notifications from this Equifax subsidiary telling me I need to log in and take action on the pending alerts. I 've logged in MANY times and there is nothing else I can do on the website. I 've also called the number in the email and was not able to communicate with the representatives who answered the phone. They were not able to find my account. I do n't know what else to do. There is no reason I should not have been approved for a credit card. My goal was to use the new credit card to transfer a balance so i would not pay interests. Equifax is preventing me from doing that and causing me to pay interest that I otherwise would n't.
Consumer complaint received 2017-10-11
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: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC has had authorization for Direct Debit of my mortgage for the past 13 years. 

HSBC made me a change of terms offer with unlawful terms, the details of which it failed to provide. 

I repeatedly and over a four-month period asked specific questions about those terms. HSBC refused to provide answers, directly or in response to CFPB filing. 

HSBC, however, stopped the Direct Debit on its own and then reported me as late, ruining my credit. This is unfair and unethical. My credit score fell by XXXX points as a result and it has remained low. HSBC, a {$200.00} billion-dollar company with record fines for financial abuse has apologized but this is not acceptable to this citizen of limited means who has been harmed by this corporation. HSBC has caused me considerable pain and anguish. HSBC must compensate me. CFPB must investigate this wrongdoing as it is consistent with its mandate and let me know the results. I am ready to provide any additional information needed for this investigation. 

I have repeatedly informed HSBC that the money that it failed to withdraw from my account has been in the account all along for HSBC, and it can withdraw it anytime it wants ; it does not need any additional authorization. If it needs me to take actions to fix HSBC error, HSBC must compensate me first. 

CFPB should be aware that HSBC knows of CFPB indifference to consumer complaint, and will play the game ( 1 ) will ask repeatedly for time to 'research ' the complaint, and then ( 2 ) respond with a meaningless and unresponsive letter which it knows CFPB website will forward to the consumer automatically and close the case.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was called numerous times on a daily basis about a debt that Portfolio Recovery purchased in 2014. I  requested verification of the debt on numerous occasions, but I have never received any documentation ( a bill or any other proof ) from them. Because the account was negatively affecting my credit and my requests for validation were essentially ignored, I settled this account for s portion of the balance. 

Since then, this company has continued to report monthly as a factoring company with each credit bureau and has done so since the purchase of the collection account in 2014. The account shows that the debt originated with XXXX. I do not have the full account number. It begins with XXXX. 

I reached out to this company via a BBB complaint. Despite the fact that I attached documentation, which proves the contrary, the company has ignored my complaint. 

XXXX XXXX XXXX business practices are unscrupulous. Rather than perform its own due diligence by obtaining documentation from the claimed original creditor, the company continues to send me mail requesting that I provide such documentation. Even faced with proof of its illegal reporting on my credit reports, the company vehemently denies any wrongdoing.
Consumer complaint received 2017-10-11
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. (CA)

Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public record is incorrect. I have verified with the court the dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Account Control Technology, Inc. (TX)

XX/XX/2017 Account Control Technology Collection Agency XXXX XXXX XXXX, XXXX, Ca XXXX  XXXX ( XXXX ) XXXX Today I spoke with a XXXX, a representative from this collection agency. I inquired about any student loans I may have with this company, because after calling the US Dept of education I was given the above number so I could check with Account Control Tech.
I inquired about why she has my personal information and that I never had a loan with account control and she said well I contract with US Dept of education, so I asked how can you work for account control as a debt collector and for US Dept of education at the same time.
I told her I feel like this is fraudulent and I owe Account Control anything. I told her to do not use my personal information or contact me, or it will be harassment. I was also threaten to have my pay check garnished.
I have her to validate my debt and to send me a contract with my wet signature that I supposedly signed.
I am asking for my debt to be discharged, because of threatening of my and my kids well being about taking my wages and for committing fraud and saying that she works for the US Dept of Education when in fact she is a debt collector.
XXXX XXXX is CFO of this place.
XXXX.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

We have applied for loss mitigation through our mortgage servicer, Shellpoint, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXXand have been trying to get help since XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and Shellpoint want to ignore the federal laws and illegally take our home from us. Please help!
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (TX)

This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully. 
When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location. 
I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion. 
After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (CA)

Medical Business Bureau is stating that my first date of Delinquency for the amount of {$360.00} was XX/XX/XXXX, but I was n't in the hospital until XX/XX/XXXX. The original bill is from XXXX XXXX XXXX, which was paid in full and I have supporting documents. XXXX has already honored my dispute and DELETED the item off my credit. I just need XXXX and XXXX to follow suit. I also have the hard copy supporting document showing that XXXX has removed this item from my credit.
Consumer complaint received 2017-10-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a prior report concerning Equifax taking 60 days to complete an investigation. The first representative failed to include my statement correctly in the investigation however, equifax solution was to reinvestigate correctly and for me to allow another 30 days to complete another one allowing a total of 60 days. The FAIR DEBT COLLECTION ACT only allows 30 days for investigations. When a complate was done with CFPB and submitted to Equifax a return answer was given that stated XXXX could not respond due to an unauthorized third party. This response is returned to CFPB as a means for Equifax to gain more time to complete its investigation. There is NOT however any third party related to the complaint. If there is a third party stated on their behalf it was not mentioned in the response and thats why Equifax return answer is bogus. I demand for my credit report to be clear of all incorrect infomation originally disputed as the time has expired for the investigation.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (GA)

I have been dealing with an Ongoing Error In Payment History Reporting with XXXX XXXX listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. I have to file a complaint and contact this company almost every month regarding their errors. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX once again as of their last update as of XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXXto XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXX to his email of XXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgently need a permanent fix to this issue.
Consumer complaint received 2017-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I started having a big problem when the economy was very bad because I am XXXX XXXX and a XXXX XXXX. This loan is a second mortgage. I have been able to work out a solution with my first mortgage of which is XXXX. 

Every time I tried to work with M & T they wo n't work with me. I had to file an emergency bankruptcy to stop the last sale which was on XXXX XXXX XXXX.I also made a mortgage payment to them and they accepted the payment. When I tried to pay again they would not accept my payment.
Now I have another sale date XXXX XXXX XXXX and my first mortgagee does not know anything about the sale date. I told them about it today.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EMBRACE HOME LOANS (VA)

Loan Officer at Embrace Home Loans knowingly giving borrower inaccurate advice on the credit report and mortgage application process in order to keep client from examining other options. LO in question is a 14 year industry veteran, so this is not the result of inexperience. It 's an ethical lapse and does the customer and the industry a disservice.