davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ClosingMark Financial Services, LLC (MT)

They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue.
Consumer complaint received 2015-10-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (IN)

Im with a debt consolidation company called XXXX XXXX relief, they are handling all of my accounts that I have submitted to them. One Main Financial is one of these accounts, One Main is calling my parents to contact me, I was told by XXXX debt relief to avoid all contact with my creditors and that they would handle it. Now, they are contacting my parents to locate me, and I gave One main financial the number to freedom debt to call, and they are still calling my parents harassing them to locate me.
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC (NJ)

During the refinancing of my home I was made aware of a debt that was outstanding. they called to get the amount that was owed by me to national Credit adjust. After being given the amount due a check was cut to satisfy the debt. I made repeated calls to get the address of where to send the Check and got nowhere. XXXX XXXX would not return my calls and when he did would not provide me any info on what the debt was from or what my information he had about me in file. He said I should pay it and i was lucky that he does n't have it sent to his legal department. I called back again a week ago with my loan officer and left word. He again did not call us back. We called again today and he said the balance due was now XXXX higher that it was when we contacted them initially. He would not honor the payoff amount and would not provide any documentation.
Consumer complaint received 2015-10-29
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MA)

I ordered a replacement card XXXX XXXX and it is now XXXX XXXX. I have called rush card several times and they can not tell me anything. I have called XXXX a day the phone either hangs up or i am on hold for XXXX hours to be told they can not upload anything due to the system outage. I am a single mother and have n't been able to access my money for 17 days and i can not get any answer to solution to problem. I keep being transferred, placed on hold, hung up on, call does n't go thru. And no answers to the solution. Now i have to sit here with no card, no answers, no money, no solution to the problem. My bills are late. My child is suffering. XXXX XXXX keeps tweeting that everything is back up and it isnt.
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

I placed a catalog order with XXXX/XXXX, I was asked to make an initial make required deposit and did so. However, I never received the merchandise. I have made numerous attempts to have the information removed from my reports with no success. Please see my letter to them with other supporting documentation to support my request to dispute their inaccurate and false reporting to you. Their negative information is impeding my ability to get a mortgage. In XX/XX/XXXX, and XX/XX/XXXX repeatedly requested tracking numbers in order to verify that I never received the merchandise they claim they sent, and to substantiate the return of the money I paid them. They refused.
Consumer complaint received 2015-10-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MI)

I obtained XXXX private loans through American Education Services ( " AES '' ) when I was attending college for my XXXX degree in XX/XX/XXXX and XX/XX/XXXX ( respectively ). I still owe almost {$30000.00} on these loans, even though I have been paying on them for years. I pay almost {$240.00} per month on these loans and almost XXXX % of my payment is applied to the interest. One of the biggest issues I had with this company is that I apparently did not qualify for a deferment when I returned to school in XX/XX/XXXX for my XXXX degree. AES had told me that my loans were " too old '' to qualify. Additionally, I have tried on numerous occasions to reduce the payments by either going with a graduated plan or income-based plan. AES says my loans do not qualify for either. If I am even a day late on my loans, they harass me by calling me as late as XXXX XXXX, when I 'm trying to get my kids to bed. I 've called on different occasions when I was behind on payments to either discuss the situation or otherwise work out arrangements and their response to me is always something along the lines of, " we do n't care ; pay what you owe ''. I even had to file for bankruptcy at one point in my life because the loan payments were too much to handle with other financial obligations. 
I 'm married with XXXX kids. I 've never had a job that pays more than $ XXXX/hour and right now, I make less than that working from home right now. I have n't been able to find another job which will pay enough to cover our bills. My husband 's income covers most of our bills, including mortgage, insurance, food, and student loans. Combined, we pay almost {$1000.00} in student loans alone which is half of our monthly income and more than 3 times our mortgage payment. The fact that this company is not willing to help us out or otherwise work with us in any way really puts a strain on our finances. I 've tried complaining to the XXXX, and even sent a message to the White House ( thinking that attention needed to be brought to this company for someone to listen ) and no one seems to care.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

A company by the name of Arnold Scott Harris, PC ( XXXX ) is attempting to collect a debt that does not belong to me. I 've asked them to provide proof of debt with my signature which they have failed to do. Arnold Scott Harris, PC has been notified to refrain from contacting me, yet they continue to call daily. I am unfamilar with the debt stated in their letters.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of XXXX XXXX, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt.

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within four business days : Account Name : Department of Education Aidvantage Balance : {$79000.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a human trafficking victim, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

From XXXX our mortgage was transferred XXXX to Green Tree Servicing LLC.Since then we experienced change in our financial agreement. The name of the borrower and co-borrower were reversed and we received diferent tax interest form XXXX. 
We have XXXX phone calls and XXXX text message but they did not explained us is this change have been made on legal base.
Consumer complaint received 2015-10-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX XXXX XXXX VA XXXXI never applied for a loan Mod on this loan It has been lien stripped via bankruptcy someone did not get the memo I called and verified you got the bankruptcy paper work but someone keeps sending letters. 

Every time I call to update the account they keep asking me to modify a loan ... I tell them it does not exist and to update the files and they hang up on me. 

Please update your files and delete all trade lines for me they have all been discharged via bankruptcy. 

PLEASE READ THE BANKRUPTCY DOCS FULLY!!!!!!! 

SS # XXXXDOB XX/XX/XXXX
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In a previous complaint, XXXX against XXXX XXXX XXXX, I presented the fact that Wells Fargo does not own the loan for my house. It is XXXX XXXX who owns the loan, and thus -is the only one who has standing to participate in foreclosure proceedings. 

According to the XXXX XXXX website, my loan dates from XX/XX/XXXX. 

California has rules for loans made between XX/XX/XXXX and XX/XX/XXXX on Residential XXXX to XXXX Unit-Owner Occupied Properties. My house at XXXX XXXX XXXX fits all these requirements. Loan made in XX/XX/XXXX, XXXX unit and owner occupied. 

Under Cal.Civ. Code sec.2923.5 ( a ) the lender must contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure .During the conversation, the lender must inform the borrower of the right to meet with the lender within 14 days. The lender must also give the borrower the toll-free number for finding a HUD-certified housing counseling agency. 

The owner of my loan XXXX XXXX is the lender. XXXX XXXX has never even spoken to me. XXXX XXXX has not fulfilled any of the requirements of section 2923.5 ( a ). 

In the XX/XX/XXXX case, XXXX v. XXXX XXXX, the court held that the borrower is entitled to relief to postpone a foreclosure sale if the lender does not comply with this law. 

I received a letter from Wells Fargo dated XX/XX/XXXX. It states, " We 're writing to let you know that your mortgage is currently in foreclosure. '' The letter makes NO mention of the loan 's owner and lender, XXXX XXXX. 

How can :1. My loan be currently in foreclosure when Wells Fargo is not the owner of the loan, and not the lender? 
2. My loan be currently in foreclosure when XXXX XXXX, the owner of the loan and the lender, has not complied with sec. 2923.5 ( a )?
Consumer complaint received 2015-10-28
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Oxford Law, LLC (CA)

I have been receiving phone calls from a representative from Oxford Law group of XXXX XXXX XXXX XXXX, PA XXXX, starting on XXXX/XXXX/2015. In the first call by XXXX XXXX, I was told " I am a legal assistant from the attorneys office trying to reach XXXX ( my name ), and have been asked to give you information. If you can call me we can discuss this so obviously I do not have to call you anywhere else '', no identification that this was a debt collector trying to collect a debt was made. In the next voicemail, ( also no identification that this was from a debt collector ) on XXXX/XXXX/15 I was told that I need to return the phone call to the attorney, that he is waiting for your call ( this was conducted in a threating and hostile manner ). I then received a phone call on XXXX/XXXX/15, stating that it was a debt collector, at the end of the voicemail the agent stated " We will get her ''. I received several calls throughout the next few days and the next voicemail was XXXX/XXXX/2015. Stating that it was debt collector. At the end of the message the agent stated " we found out she 's a XXXX ''. The first written communication I have received regarding this debt was on XXXX/XXXX/2015, with their letter in the envelope dated XXXX XXXX, 2015. The letter that the office mailed me was postmarked XXXX/XXXX/2015. In the letter that they sent me they stated that they have not contacted an attorney to review my case, which was contradicted by the voicemails I have received from their office, which I have saved. I have sent them a letter requesting them not to contact me regarding this debt. This office is harassing me by the use of threats, misleading statements and violating my rights as a consumer under Federal Law and California XXXX Fair Debt Collections Act.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I had online mortgage payments set up with Ocwen, and had been paying for several months without an issue. Suddenly, Ocwen told me that my XXXX payment had been late and that they would charge me a {$19.00} late fee and report this to the credit bureaus as a late payment. I was incredibly dismayed, as I was certain that my XXXX payment had been made on time. I then examined my account on Ocwen 's site, and I found that someone in Ocwen had changed the XXXX digit of my checking account number so that the ACH would not go through. As the site had shown my account number in an " XXXX '' format, I had assumed the information had not changed from the previous month - but in fact, someone at Ocwen willfully modified this to cause my late payment. 

I then brought this to the Ocwen Ombudsman 's attention, and the issue has since been resolved, where my {$19.00} was refunded and XXXX payment is shown as current with the credit bureaus. However, I wish for the CFPB to know about this deceptive, fraudulent and abusive practice at Ocwen - as I know I am not the only victim here.
Consumer complaint received 2015-09-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION (CA)

I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.
Consumer complaint received 2015-11-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I refinanced my mortgage with another bank XXXX/XXXX/2015 and according to the laws I was to receive my escrow balance returned to me no later than 30 days. I have not received it and due to the fact they did not pay my flood insurance on time ( 30 days late ) now my home owners is due along with my taxes and I just want my escrow money so I can pay them. I am tired of fighting with these people to do the right thing and conduct business in an ethical way.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

In XXXX 2014, we began the refinancing process with PNC Mortgage, the lender that had our mortgage at the time. Our refi was approved but PNC was a little slow to get the closing date set in XXXX, perhaps due to the Holidays. Our PNC Mortgage payment was due XXXX/XXXX/14, and if not received by PNC by XXXX/XXXX/14, a late charge or {$280.00} would be assessed. My PNC Mortgage Banker working on the refi told me that PNC does not charge PNC customers a late fee if they are in the process of refinancing with PNC. He advised me not to pay the XXXX payment as he expected our refinance to close before XXXX. I called Customer Service and was told the same thing : PNC will not charge a late fee to an existing customer who is refinancing with PNC. Since PNC still had not set the closing date, I went ahead and made the usual payment so it would not be late. However apparently PNC documented payment as of XXXX/XXXX/14. When I received the closing documents on the day of the closing,XX/XX/2014, I requested a copy of the PNC Payoff Statement from the title company. It clearly lists a charge of {$280.00} for Unpaid Late Charges. I complained at that time to the Mortgage Banker and the title company but PNC said the closing would have to be postponed to recalculate the documents. If we refused to close until the documents were corrected, PNC said with the Holidays, they were n't sure we could close by XXXX. PNC told me the {$280.00} would be refunded with any excess escrow funds when the title company disbursed their final funds. That did not happen. I have inquired several times, both in writing, and over the phone with PNC Customer Service and the Mortgage Banker who handled our refinance, but PNC will not refund the late charge. Customer Service acknowledges this is their policy : to not charge a late fee to PNC customers refinancing with PNC. However they state they can not do anything now since the loan is paid off. The Mortgage Banker agrees with my complaint, and said he would ask his manager to intervene and request a refund, but he no longer responds to my e-mails checking the status of the refund. I want the refund PNC owes us of {$280.00} for a late charge PNC stated numerous times they would not charge since we were refinancing an existing PNC mortgage loan.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (WA)

My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else.
Consumer complaint received 2015-10-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Premier Financial, Inc. (CO)

On the day my payments are due on my auto loan account First Premier Financial begins calling at XXXX, every other Saturday. Not even giving me a chance to wake and get my day started. I have a good pay history with First Premier, and have fallen behind a few times. My account has never gone 30 past due. Since being with first premier i have recieved nothing but horrible customer service. The reps as well as a lady named XXXX who says she is from corporate call and disrespect whoever answers my home telephone. I have requested many times for my home not to be called before XXXX as I am not home until thatn time. The request was granted XXXX time. Account manager XXXX has called my home and told my child care provider she is a liar, she is beginning to see a pattern and is plain rude. She and another rep XXXX both have threatened reposession with my account only being 14 days past due at the most. XXXX has called and hung up on my wife because she was not getting the information she wanted. On Friday XXXX XXXX, 2015 XXXX placed a call to my home at XXXX XXXX from a cell phone not associated with First Premier Financial. Had I been Home and spoke to XXXX I would have provided my personal information on a 3rd party line. The telephone caller ID appeared as XXXX XXXX phone number XXXX. When I called the phone number back a lady answered whom did not identify herself as First Premiere Financial. She answered and said hello, no business greeting disclaimer opening. Nothing. After realizing who I was she said hold on I know who called you. I know I have an agreement with First Premier Financial, but the way they go aboout collecting their payments is not in a business like manner at all times. She has never called and been pleasant or professional. She always calls with a horrible bad girl attitude. I know I have a payment and i know its to be paid, the company has no consideration for their customers and the situations they may be facing. Its cold shoulder have my money or im taking your vehicle. I feel the way I am treated and im sure others are is unprofessional and should be addressed. I feel their tactics are unfair and unprofessional. I also was advised about a deferment. I accepted and was still charged my montly payment. i was never given time to catch up. Months later it was addressed that i had been over paying and was told i had a credit of {$100.00}. They have also had someone come to my home when my account was less then 19 days past due stating i needed to pay.