davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

On XX/XX/XXXX I learned there may be a problem with my Mortgage serviced by Ocwen Loan Servicing. On XX/XX/XXXX Ocwen unnecessarily and incorrectly increased my Escrow payment due each month. Inexplicably, they backdated the change to XX/XX/XXXX. I have n't missed a payment. Even though Ocwen 's records reflect receipt of all my payments on time, this " glitch '' in payment history has caused a {$2100.00} Past Due balance. This is nearly 3 months payments, so I am now facing Acceleration. I am being charged late fees, Property Valuation fees and Certified mail for Default Notices. 
After Escrow analysis, my payment has actually gone down. It would also appear they owe me an Escrow Refund of approximately {$900.00}. The payment was too high for the past 2 years and never needed to be increased at all. 
Ocwen is not making any progress in correction of this issue. I have a " Relationship Manager '', however, I can only make appointments to be called. I had an appointment to be called on XX/XX/XXXX and was called to reschedule. My Relationship Manager was unavailable. The reset appointment was for XX/XX/XXXX and no one called at all. After waiting an hour I called to be given another appointment for XX/XX/XXXX.
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I applied for a mortgage on XXXX XXXX on First Citizens Bank 's website. After I waited about two weeks for a response from them, I called them to figure out what happened with my application. From there, a representative told me that my banker was XXXX XXXX, and gave me his number. I called numerous times until he finally returned my phone call. I thought this would speed the process up to keep up the communication, but I have been chasing XXXX XXXX ever since. I have called numerous times, I get the run around on why I ca n't even get a pre-qualification letter to look for homes, he keeps asking for all of this documentation, and I even got his manager to push him and I still am here on XXXX XXXX with no answer. I am tired of waiting on an answer from them. I feel that if they were going to deny me, they could 've done that in XXXX, because they had more than enough relevant information then, but to put me through this for months, treat me differently than your other customers, and denying me the opportunity to go through the process is wrong. In their own process, it states I should have gotten the letter to look at homes months ago, but I am being told I have to go through the process before I even get to step XXXX, which makes no sense. I get no answers on why I am not even following their own process and still no answer. I just want someone to at least force them to give me an answer so I can just move on if it 's not going. Making me wait months is not the way to go about this, and denying me equal treatment feels like I 'm being treated unfairly. If this is how banks are operating after they caused the recession, no wonder house sales are so low. If this is how customers are treated now, no wonder they give up on buying a home and pay rent instead. That 's where I am right now, and I should n't feel this way when I have been given all of these reassurances with no results. I have more specific dates and times, but it 's going to take me time to compile all the times I tried to contact them with no response.
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

ChaseRelief of Stay application is complete negligenceAs the property information provided to bankruptcy court is not my homeChase also notes no notice was sent regarding bankruptcy this is false as wellWAMU was my creditor not CHASEChase would not be listed as CHase has confirmed no NEW servicer notice was sent to me at no time in the last quarter of XXXX as required. 
However CHase knew to appear and apply for Relief of stay and granted based on a negligent untrue application with the wrong property - not my home. 
The appraisal completed by/hired and approved by Chase during the bankruptcy was XXXXXXXXChase Sold home for a little over XXXX milIt appears Chase deceived bankruptcy court
Consumer complaint received 2015-09-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

I received a letter from CMRE financial services INC. for a principal amount of XXXX. This is for a XXXX XXXX and XXXX I had done. During the time of this visit I had insurance with XXXX through my father, XXXX XXXX, which they failed to bill. I never received a statement for the money owed they just sent this bill to a collection agency. Furthermore, to add insult to injury, this company is unlawfully charging me interest. The CMRE Account # XXXX PIN # XXXX Account # XXXX. From what I recall this is for XXXX done to gauge my XXXX due to being diagnosed with XXXX in 2011. This was requested, I believe, by a XXXX XXXX XXXX in XXXX XXXX, CA.
Consumer complaint received 2015-09-01
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ALLY FINANCIAL INC. (FL)

My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XXXX XXXX years. I have contacted all XXXX credit bureaus ( XXXX, Equifax and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.
Consumer complaint received 2015-10-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is attempting to collect on a debit they purchased from XXXX XXXX. They claim the account number from XXXX XXXX is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with XXXX XXXX ended in XXXX. I paid the account in full XXXX of 2013. XXXX XXXX failed to properly record my payoff. XXXX XXXX tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to XXXX XXXX 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). XXXX XXXX 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet XXXX XXXX sold XXXX of the accounts to Portfolio. How many times must I be harassed over a paid account? 
I wrote Portfolio after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If XXXX XXXX 's counsel failed to notify XXXX XXXX of the law suits outcome and or XXXX XXXX failed to notify Portfolio that is not my problem. 

Portfolio has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: JH Portfolio Debt Equities, LLC (ID)

Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt. 
I want these calls to stop occurring right now.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Upon closing of our loan in 2007 we were told that we had a fixed rate loan and that the payments would be XXXX per month. Twenty-one days after the loan was closed and fifteen days after the money was funded and disbursed to pay of other debts we received a letter from our loan company stating that if we did not sign the papers enclosed that the loan would not be in compliance with state and federal guidelines. The papers were the ARM disclosure part of the loan and they had been post dated back to the day of closing in handwritten ink. Of course we never sent these in because you never sign anything after closing. Several months later I complained to the attorney general reguarding not being informed about the ARM rate at closing. I received a letter back from Bank of America stating that they were concerned with my complaints and that they would respond back with an answer within 2 weeks. In 2 weeks I received another letter from Bank of America stating that they were sorry about the delay in getting back to me but I should receive an answer in another 2 weeks. When I did finally receive papers from them, all it was telling me how they had no record of my complaints and no record of them turning me down for XXXX loan modifications that they told me I needed to be behind 3 payments before I qualified for it and then they try to foreclose. In the packet of letters they gave me trying to prove me wrong about the ARM disclosure there was the same paper with the ARM disclosure with my signature and my wife 's clearly forged on the document and also the same handwritten date where they had photo copied it before hand. We still have the original letter and the unsigned document in our possession. And also my wife 's name is not on the loan, She was not required to sign anything but all of the sudden her initials are all over these papers. I want to know what attorney I can get to make this right. I do know that forgery in the origination of a loan makes the loan void. We have had many financial hardships because of this and have filed bankruptcy 3 times. Our credit rating is shot so there is no way of refinancing. I have tried on my own to work out the situation with them, but knowing they purposely deceived me and the courts I believe they can not prove that they have the right to foreclose on my home.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XXXX XXXX sold My loan to Bayview servicing company 3 months ago. I did call them and requested information regarding assuming the loan since it was under me and my Ex-husband name. They send me the documentation stating that if I decide to assume the loan the charges will be {$8000.00}. I did not fill out the application to send it in to this day. I have received XXXX statements from them that XXXX of them having {$8000.00} as passed due amount added to my mortgage. I have not even fill out the application yet and they are saying that I owe them for services that they did not even provide but I am late on the payment. This is a fraud/scam. The statements saying that I am late for in the this amount and not stating what it is for after being on the phone with them XXXX hours they said the charges will stay there as being late.
Consumer complaint received 2015-05-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

Our home loan is a balloon, we knew it would need refinanced and worked hard for two years to build a good credit score to prepare for the refinance, when it came time to refinance we had a great score but was shocked to learn that we are underwater and lenders would not finance the full amount. The first step we made was talk to the mortgage company and ask for a modification of the loan by either extending the length for a few years to 30 yrs, at least until we could wait out the value decline and hopefully improve value as well. We were immediately declined because " We both have jobs and can afford our monthly payments '' to which we completely agreed except for the balloon has now matured and we are not allowed to make payments. We then found a company that would refinance at the value that was stated by Mortgage company and submitted it as an offer of settlement. Example home mortgage owed is XXXX we offered XXXX the mortgage company kept sending letters that it was under review and had us wait even longer ( no payments allowed to be made ) We are not going to look good for our credit now. Today I was told simply the lender wants full amount, we do n't have liquid assets to make up the difference we explained that. No explanation as to why our settlement was declined. I was told our next step could be Deed in Lieu.
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

In XX/XX/XXXX I spoke with a representative of TD Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that TD bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

Dear Consumer Bureau, I ask for you help as my husband and I are trying to purchase a home with both of our credit. I sent Equifax a letter explaining items on my credit that do not belong to me. I have filed a police report with the XXXX XXXX Police Department and have also sent a copy of the police report to Equifax. Since XXXX XXXX, I have been disputing with Equifax and they have not removed a judgment account associated with a XXXX credit card that does not belong to me. They have removed the XXXX credit card but not the judgment which is linked to this XXXX credit card.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (WA)

We have been with XXXX for over a year now of which we bundled our services when we signed up. I have been on auto pay since doing so. I got a notice from Central Credit Services stating I am in collections for {$170.00} with interest accruing. I have made several attempts to contact XXXX XXXX, some could not locate this account, XXXX in Billing said they never linked it to our account and do n't worry about it. I have asked them for a copy of this bill which they will not provide. I have copies of ALL my statements around the time they said the services were due and nothing shows unpaid. If this makes my credit report I will be furious. Today I called the credit company to get a fax number to send them the statements I have and the social does n't match mine. I am wondering if they are making up bills and sending them to collections to get more money in hopes people like me do n't inquire.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, XXXX, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX needed to confiscate all my belongings without returning them is due in part that XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! 

With that being said, all evidence clearly indicates how XXXX only sole purpose for contracting XXXX 's was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX, along with complaint ( s ) against XXXX Fargo/Wachovia-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by Wells-Fargo/Wachovia. 

With that being said, I request for Wells-Fargo/Wachovia, via the CFPB, to explain to me in detail why a ) did Wells-Fargo/Wachovia intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for Wells-Fargo/Wachovia to explain in detail the who, what, when, where of HOW XXXX XXXX came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet!
Consumer complaint received 2015-06-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I graduated from XXXX XXXX University in 2012, but prior to my enrollment there I attended for for profit vocational school, XXXX XXXX ( XXXX, Az ). During this time I accrued private student loan debt which was held in forbearance while I attend school. Upon graduation I consolidated my federal loans into XXXX, and have regularly made payments on an income based plan. When I graduated my cosigner was in bankruptcy thus resulting in me not having to pay on the private loan. I was never made aware that private loans could not be consolidated with my federal loans, and assumed I was managing my student loan debt as responsibly as I was able. This however changed when my cosigners bankruptcy ended and I was sent a bill for a payment I could not afford. 

Over the past XXXX months myself and my cosigner, my mother have made attempts to contact Navient to discuss repayment options, and have both been told that the only option I have is an " interest only '' repayment. This only lowered the payment by less than XXXX dollars and was still not affordable. I recently sent them a letter asking if other options had become available and was sent a letter back stating they will not discuss it in writing.
Consumer complaint received 2015-11-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (MN)

A debt collector by the name of XXXX XXXX XXXX in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy.
Consumer complaint received 2015-10-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

My interest rate increases from 3 percent to 13.12 percent every XXXX ; even though I am on an adjusted interest payment plan. My payments are suppose to be {$220.00} every month as long as I submit to an automatic debit even though the payment fluctuates. I asked for information on the type of payment plan and the restrictions, requirements, and events but I am always told " you will receive that information via email '' but I never receive anything. My renewal month is XXXX each year for which I receive an email ( enclosed ) in early XXXX to which I promptly respond. 
My interest rate should not increase like that if I am on a payment plan, renew ontime, and pay ontime? 
Best regards, XXXX supporting documents