davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for an assumption through Bank of America ( BofA ), to remove a former spouse from my existing BofA mortgage. I completed the necessary paperwork to complete the assumption ; received a notification from BofA to submit an additional signed document ; sent it back to BofA through UPS tracking ( both times ) ; and waited for feedback from them regarding next steps. Within two weeks, I received a phone call from XXXX on XXXX XXXX at XXXX from a woman in their XXXX branch who notified me that BofA did n't have plans to move forward with my assumption because they were about to sell my mortgage to another lender. I asked the woman whether BofA would still move forward with terminating my application if I refinanced my mortgage with BofA instead of filing an assumption. She said, it would n't make a difference. I 'm certain that was a lie, because the very next day I received a package from BofA ( which was obviously already in the works ) updating me on the status of my assumption process ; which tells me, the company was moving forward with the application until an unethical employee contacted me from XXXX and tried to talk me out of the assumption. I completed the additional paperwork that was requested by BofA and mailed the paperwork the next day. However, on Fri., XX/XX/XXXX, my former spouse contacted me to tell me he 'd contacted BofA and they claimed that I had terminated my assumption application, which was not true. The woman who called me from XXXX did not present the decision to discontinue my assumption application as a choice. Instead, she stated it as a fact and as an update by her on the company 's behalf. Now, after contacting XXXXXXXXXXXX who notified my ex-husband that the process had been terminated and whom I made aware of the mystery call from XXXX, she wo n't acknowledge my emails and has made no attempt to investigate what happened to my assumption application. I will submit this same request with the Better Business Bureau as well. 

I believe that, had I refinanced with Bank of America, they would have made no attempt to cancel my assumption application. But, because my mortgage is an FHA loan that they 're not able to profit from, a representative of BofA terminated my assumption application on the basis of discrimination. 

Please feel free to contact me by email or phone. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX the XXXX County Clerk recorded a tax lien by the CA Franchise Tax Board, Ref : XXXX. We were not aware of the lien as our taxes were being handled by a 3rd Party. 
On XX/XX/XXXX, the County Clerk filed a Release of Lien, Ref : XXXX. 
On XX/XX/XXXX, after we challenged the lien with the Tax Board, the County Clerk recorded a " Lien Recorded in Error '', Ref : XXXX. This recording recognized that the Tax Board had acknowledged that the lien had been recorded in error. 
XXXX and XXXX removed the lien record from our credit report, without our having to request it. Equifax did not. 
Beginning on XX/XX/XXXX, we submitted, on XXXX occasions, requests for the removal of the record of the tax lien. Three times XXXX reported that they had investigated the matter and concluded that they were correct in continuing to show the record of the tax lien, subsequently released. We submitted certified copies of the recorder 's filings, clearly cross-referencing each of the XXXX documents to the " Document No '' referenced on the first filing. 
Equifax claimed that the release in error did not relate to the lien filing document.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (KY)

On XX/XX/XXXX, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with XXXX XXXX Bank in my name. That day at the dealership, I was given a XXXX XXXX Bank Note to sign and I was able to leave with vehicle. I actually signed XXXX loan notes at the dealership, the XXXX note was signed on the XXXX and the XXXX note was signed around the of XX/XX/XXXX. XXXX the notes were dated for XX/XX/XXXX and XXXX XXXX XXXX XXXX the only listed lender. However, awaiting for XXXX XXXX monthly payment statements. I received a demanding letter for payment from a different bank Santander. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only XXXX XXXX XXXX and the finance adviser at XXXX XXXX never mentioned Santander. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX on XXXX. About three months later a letter dated for XXXX, was sent by a XXXX specialist, XXXX XXXX she stated that my loan application was declined on XX/XX/XXXX, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined Santander 's loan offer. Santander illegally repossesses vehicle all the time for a profit. There is a case against them now. United States of America vs. Santander Consumer USA. Furthermore, the dealership never asked for the car back, I never received any notices of explanation from XXXX XXXX Bank or the dealership before or on XX/XX/XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and XXXX XXXX Bank is still currently listed on my vehicle title. Also, I have letters from Santader contradicting XXXX XXXX Bank claims.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

The reason for my complaint is because Experian has continued to report a publicrecord that is fraudulent even though I have sent supporting information to have the public record removed. They continued to claim that the public record is coming back verified from the Vendor. I have contacted their vendor XXXX XXXX XXXX XXXX and expressed my concern and brought to them my concern in a separate complaint that i filed with CFPB case XXXX. They responded with my concern explaining that the XXXX County Public record was removed from my lexis nexis risk file. I am attaching the response that I received through the CFPB portal from XXXX XXXX and requesting for Experian to remove this public record from my experian file. The last complaint that I put on Experian in my opinion they did not even do an investigation as the results were given not even 5 days from the date that I put the complaint. 

I am also going to attach my Drivers License and Social Security Card requesting for Experian to remove the Extended fraud alert from my file. I attempted to upload the document to the Experian website and they have also failed to respond to my request. I am requesting for a credit line increase with one of my creditors and they are declining me because of my fraud alert. They requested that I remove from my credit profile before they can continue with my request.
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mid-Atlantic Consumer Services (FL)

RECEIVED NUMEROUS CALLS TO MY EMPLOYER 'S HUMAN RESOURCES OFFICE WITHOUT PROPER IDENTIFICATION, JUST LEAVING IMPROPER MESSAGES TO INCLUDE TO SEIZED MY PAYCHECKS AND JUST BEING RUDE. CALLS WERE RECEIVED ON XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX AND XX/XX/XXXX. 
THESE PEOPLE ARE VERY ANNOYING AND WONT TAKE NO FOR AN ANSWER AND JUST WANT MY PERSONAL INFORMATION SUCH AS MY SS #.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to place a complaint regarding TransUnion and the practice of reflecting duplicate collections for XXXX alleged item that is below {$600.00}. There were duplicated collections reflected on my TransUnion Credit Report in XX/XX/XXXX. The debt collector was posting duplicate items for XXXX account. I had to file XXXX disputes with the XXXX agencies ( XXXX, XXXX and TransUnion ) since the debt collector reported duplicate collections. XXXX and XXXX deleted XXXX of the XXXX the collections. However, TransUnion only deleted XXXX out of the XXXX. As of XXXX XXXX, there is another duplicated collection. This practice of filing multiple or duplicate collections drives my credit report extremely low. I was also never provided evidence of the collectible item for any of the items on XXXX.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have a mortgage on a property in Mississippi. Since I have had this mortgage, I have made 2 payments each month, with instructions to the Servicer that an additional {$50.00} is for the Principal, and the 2nd payment of {$400.00} is to be applied totally toward the principal. XXXX bank and XXXX had no problems in doing this, but in XXXX 2013 Ocwen took over the Servicing. Ocwen is applying my additional payments to future months, and I have to call them each and every month to force them to correct this. Each month I do this, I get a letter from the Onbudsman that the issue has been corrected and will no longer happen again. But each and every month it continues to happen. I spoke with XXXX XXXX XXXX, Senior Counsel, Ocwen Financial Corporation, and she assured me that this would be resolved. I have letters from XXXX XXXX from the Office of the Ombudsmand for Ocwen Loan Servicing , LLC that states that it was resolved. I have spoken with Ocwen 's outside Counsel, XXXX XXXX, XXXX, ( XXXX ) XXXX, whom also stated that this would be resolved. My next step is to file civil action in U.S. District court to seek relief or some solution. That is when I found this web site where I can file a complaint to attempt again, for the last 2 years to get this resolved.
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (KY)

CBE group robo calling 5 times a day at all hours of the day and always just a recording can never actually communicate with a real person to tell the to stop calling. No idea who this company works for but it harassment plan and simple and I want them stopped
Consumer complaint received 2015-07-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Green Square Company LLC. (IL)

I received a call from a company called XXXX and they said that they are legal aids for XXXX XXXX, an attorney in New York. They said that they are representing XXXX XXXX XXXX and that they want to resolve a debt that i had back in 2005. I talked to someone named XXXX XXXX XXXX, and when he was trying to confirm who I was I was asking him what company he was from and he began to get hostile. Then as I proceeded to tell him that I wold like my debt in writing he hung up on me. When i called back I talked to a XXXX XXXX XXXX and he started out being somewhat nice but when I proceeded to tell him I wanted my debt in writing he became hostile. He told me that all he could provide me with was a payment arrangement and I told him that I was n't comfortable making a payment arrangement without getting the debt in writing. He proceeded to talk over me then he proceeded to yell at me and say " ARE YOU A CRIMINAL? ARE YOU A CRIMINAL? Since you do n't want to resolve this then GOOD DAY. '' and hung up on me. When I called back to get an address so that I can send a written cease of communication notice no one is picking up.
Consumer complaint received 2015-07-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX. I am XXXX years old widow. I am living on a fixed social security income supplemented by my daughters and some part Time work. I want to let you know that I do not want to loose my home .Not at this age, I have been dealing with wells Fargo trying to retain my home to no success. My home was in a foreclosure sale last Friday. My attorney is trying to file an objection of sale. I hope that the bank can agree. 
My attorneys requested a motion for an extension and it was denied. We needed a little more time to finish modifying my loan. I am not moving from my house.. My daughters are helping me support the home. I am in this situation due to the fact that I refinanced thinking that I was going to relive the stress of the mortgage payment when my husband passed on and it became worse. I am a victim of Predatory lending.. I was never explained that I was getting an interest only loan or adjustable.. Refinancing again is not an option for I owe more than what the home is worth. Please I need for you to hear me out and help me. Your quick response will be gladly appreciatedThank you
Consumer complaint received 2016-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (IL)

I was unable to make payments to Chase for the first 3 months when my loan repayment started. I attempted to pay what I was able for those months. Chase did not accept my payments. Now, they will not give me information about the status of my loan and I do not know how to makes payments. I am now gainfully employed- not sure if Chase sold my loan off or what the status of it is.
Consumer complaint received 2015-07-14
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Re-opening of case # XXXX*Update*I was told by US Bank that I would have a resolution on this issue by XXXX/XXXX/15. Today is XXXX/XXXX/15 and they still have no answer. I initially figured since they took my case early on and processed it and gave me a deadline they would meet, that I would n't have to worry about it. Obviously I was fooled. I am now continuing the complaint. Please call my cell phone if you need further verification or clarity on this issue. 


I purchased a {$500.00} XXXX Gift Card from XXXX 's that was issued by US Bank. The moment I opened it up, I realized something was wrong with the packaging. I tried to use it and was not able to. I realized the card was already compromised, so I called US Bank ( card issuer ) immediately to shut down the card. They confirmed with me over the phone that the card was shut down and I just had to fax in the paperwork for the card replacement. That was on XXXX/XXXX/15. I faxed in the paperwork a ( XXXX ) few days later for the card replacement. Fast forward to today XXXX/XXXX/15. I called in to check on the status of the card replacement, I received a response from them saying they could not replace the card because funds were used. Now how did this happen on a shut down card is beyond me. Either the rep lied to me and told me she did shut it down on the spot, or she never did it to begin with. Either way, both scenarios demonstrate the incompetency levels of US Bank service reps. Now, instead of waiting for a card replacement, I now have to file a fraud report because the genius of a US Bank service rep did not do her job. Also, this genius rep did not put in any notes on the account either, so when other reps looked at the account, they saw nothing of the shutdown ( or so I 'm told ). I 'm expecting this to take another XXXX months to get resolved ( if at all ) courtesy of incompetent service reps.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My wife and I refinanced our loan on our house about 3 years ago through Mortgage Company Y. About 1 year later our Mortgage was purchased by PennyMac, my current Mortgage provider. When our Mortgage was originally setup we did not have an Escrow account as both our property taxes and home owners insurance is paid by us directly. We do have PMI on our mortgage which both our original Mortgage provider and PennyMac pay from my monthly payment. 

PennyMac assumed they paid my home owners insurance so they cut a check on my behalf in XXXX XXXX. Then once their automated system saw that I had a negative balance, they assumed it was from my Escrow account that we never setup. This problem occurred when the mortgage was transferred to PennyMac, which they admitted and fixed. At no point in during my mortgage have I been late or stopped paying the exact same amount which was established at the beginning of this loan. However because of PennyMac 's error they charged me a late fee since my account showed a negative balance, this late fee causes issues because when their system pays my PMI, the balance continues to be negative. I have called PennyMac three months in a row trying to fix this in which they claim to do, but unfortunately each time I get a mortgage bill the error continues and they increased my mortgage payment, to fix the negative balance. During my last call on XXXX/XXXX/XXXX to XXXX at XXXX ( PST ). I was placed on hold for about XXXX minutes when XXXX said the insurance department was the only department which could fix my problem. I was placed on hold again for another XXXX minutes in which the individual who finally answered said they only deal with property tax and home owner insurance escrows. He looked at my account and said that I do not have an escrow account and that my insurance is good until XXXX. He apologized and said I would have to call customer service back. Funny Customer Service closed at XXXX XXXX, how convenient. I would like PennyMac to put loan amount back to its original amount which was established when I stated this mortgage along with crediting my account for all the late charges they put on it due to their mistake. Please help!
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (FL)

Dear Sirs and Madam I have made several complaints regarding Arvest Bank1 ) Case # XXXX ) Case # XXXXWich they where dismissed with LIES stating that did not have Authorization forms. At that time I called you CFPB and you asked me to repeat the process and start again. At that time I filed another XXXX complaints1 ) XXXXStating the same thing as the first XXXX as listed above. Then filed the second one2 ) XXXX wich at that time I proved to CFPB in reference the Authorization forms and how many my attorney XXXX XXXX had send them wich I foward you all XXXX of them. 
It leaves no choice but to prove to you once again that this company cares nothing about governing them self proper ethics and continue to break Federal laws. Due to financial issues I had to file Bankruptcy wich was filed on XXXX XXXX, 2015. Once again Arvest Bank and their hired guns violated my Federal Laws by contacting me by hiring XXXX XXXX XXXX wich at that time they contacted XXXX XXXX my attorney handling my case # XXXX XX/XX/2015 please see attached email. Then on XX/XX/2015 they send a private adjuster XXXX XXXX from XXXX XXXX company to question me at XXXX XXXX office at this time WITH OUT AUTHORIZATION FORMS. XXXX XXXX after questioned me like I was the one doing wrong then continued to follow me home and entering my home and taking pictures of property area interior. Under Federal Bankrupcy laws that was unlawful for them to do I found out they could n't do what they did so I contacted them and confronted them with it. They try to cover there tracks and go behind my back and got an authorization form from XXXX XXXX wich was dated XX/XX/2015 after being question by XXXX XXXX. This company comes to show that do not care about the Federal laws like they are above them. I do n't know how many times this has to happen before a Federal government agency that could stop this ABUSE. I 'm at your mercy my attorney says I have to do this but until when is enough how long is the Federal Government allow this to happen. To further add to injury in Arvest Bank is refusing to make payments to the General Contractor on money 's paid by insurance claim as stated on Case # XXXX and # XXXX making it harder for me to do a home modification because the General Contractor is putting a lien on the house for nonpayment from Arvest Bank as I was told by my attorney XXXX XXXX. I do n't know what else to do I 'm waiting on your response so I can continue foward legally. I 'm at your mercy.
Consumer complaint received 2015-11-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (FL)

One day Paypal put a limitation on my account. They told my friend, who I sent money to, that I had been " hacking into accounts. '' ABSOLUTELY not true. They pulled the money back from my friend 's account and put a hold on my account. I provided every bit of information they asked me for and they kept asking for more stuff. I would submit something, it would be approved, and they would add XXXX more things. Finally, they said my account is " related '' to the accounts under the following e-mails " XXXX '' and that {$500.00} is owed. So they have locked up {$1800.00}. They even went into my bank account and made an unauthorized withdrawal of {$29.00}. I do not owe Paypal ANY MONEY and it 's illegal for them to be holding my funds.
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Oliver Adjustment Co. (FL)

I spoke with XXXX at this company back on XX/XX/XXXX around XXXX regarding a medical bill in the amount of {$390.00} for my son. After speaking with XXXX, she advised me that she will reach out to XXXX regarding submitting the claim to be paid and she also advised me that she will submit the information to the insurance and that I should follow back up in 30 days regarding the status. I followed up and was advised that they have not received a response yet. After a couple of months I received another letter on XX/XX/XXXX from OAC which is the collection agency again regarding the bill. I then reach back out to the collection agency OAC trying to get the status on the claim and was advised by a representative that the claim had not been submitted to medicaid and that they would submit it. I have been reaching out to this company for almost a year offering my assistance in anyway possible while they kept informing me that they were submitting the bill to medicaid and come to find out, they never did. I 've been misled as well as lied to for months and all I asked of the staff at OAC was to submit the claim to XXXX so that they could pay it before the timeframe expired which was a year from the date of service which was XX/XX/XXXX. When I spoke with the supervisor XXXX on XX/XX/XXXX I expressed how dissatisfied I was with how the staff handled my account and he did not seem to care nor did he try to offer a resolution. The way the office handled my file was unjust and as a result of their negligence regarding submitting my claim to XXXX in a timely manner, XXXX will not pat the claim because a year has passed from the date of service. the names of the other individuals I spoke to in that office were : XXXX, XXXX, and XXXX.