davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I refinanced my HELOC in XXXX of 2015 from Ocwen to XXXX XXXX XXXX. On XXXX XXXX 2015, my representative from XXXX XXXX XXXX sent a check to Ocwen in the amount of {$91000.00} to pay off the HELOC. This check was received by Ocwen in XXXX XXXX XXXX, FL and was signed for, however the check was never deposited. XXXX XXXX XXXX called to inquire and then sent another check for {$91000.00} on XXXX XXXX, 2015 which again, was received and signed for but never deposited. I have tried numerous times to resolve this issue with Ocwen. My calls always go to a " global help desk '' in XXXX and they are not able to send me to a manager or give me a US phone number to reach someone in the FL office. It is now almost 4 months later and Ocwen will not help me resolve this, they ca n't even tell me where to send a check at this point. Meanwhile, I have XXXX HELOC accounts for {$91000.00} each, XXXX interest payments and my credit score has dropped significantly because of this problem with Ocwen, causing problems when trying to buy a car today due to my lowered credit score. We have worked with XXXX relationship managers and XXXX escalation managers. After over XXXX emails and hours upon hours on calls with Ocwen they seem to only be interested in keeping the account open to earn interest.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have inquiries on my credit reports that were not made by me. On XX/XX/2024 I sent a letter along with a FTC affidavit regarding another account and the request for the removal of the inquiries not made by me. 

They were not removed. Now I have recently mailed out with a return receipt a FTC affidavit package requesting again the removal of the inquiries on my credit file.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX - I noticed a bankruptcy showing on my Experian credit report. Experian is the only credit bureau showing this bankruptcy. I sent a letter to Experian requesting an investigation about the bankruptcy. Experian does not respond. 
On XX/XX/XXXX - I send a XXXX letter request an investigation and I do not receive a response XX/XX/XXXX - Experian sends a response saying that this item remains unchanged. At this point I am frustrated and do not know what to do so I write the United States Bankruptcy Court. 
XX/XX/XXXX - The U.S. Bankruptcy Court responds that they clearly do NOT furnish information to the credit bureaus NOR public record vendors NOR verify information with them. 
XX/XX/XXXX - I file a Consumer Financial Protection Bureau complaint to obtain bankruptcy details and find out the method of verification of this incorrect bankruptcy. 
Experian responds only with that they verified the bankruptcy, AGAIN withholding details I specifically asked for AND withholding the method of verification only vaguely stating that they used a vendor. Experian refuses to inform me WHO this vendor is and WHERE this vendor is getting this information from. Is Experian exempt from the Fair Credit Reporting Act? Is the Consumer Financial Protection Bureau useless? 
XX/XX/XXXX I again write to Experian and ask for details about this bankruptcy and ask for the METHOD of VERIFICATION. 
XX/XX/XXXX Experian sends me a canned response only stating that they refuse to further investigate. WITHOUT including the bankruptcy details of my request NOR including the vendor name/address/contact info I requested per my rights according to the Fair Credit Reporting Act. 

Again I have 2 main questions for you:1 ) Is Experian exempt from the Fair Credit Reporting Act? 
2 ) Is the Consumer Financial Protection Bureau useless? 


Experian 's mistake has been preventing me from purchasing a home and drastically affecting my credit rating. 
Then the United States Bankruptcy Court confirms to me that they do not communicate with credit bureaus NOR with any public record vendors. This should be removed from my report and should never have been reporting in the XXXX place. An updated copy of my credit report needs to be sent to me showing this has been removed as well. OR Experian should provide me with the bankruptcy details I am asking for AND for the vendor contact information which they are obtaining this information from.
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC (CO)

Upon monitoring my credit reports using CreditKarma.com. I noticed that Security Credit Services had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the XXXX I have ever heard of this debt. On XX/XX/XXXX I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. They have replied back on XX/XX/XXXX that they will cease all collection efforts and investigate this matter. However they continue to report inaccurate information on my credit reports. I am demanding they comply with FDCPA and remove this from credit reports until they can provide proof of debt and provide me 30 days to dispute. I never received any correspondence fromt this company before they negatively reported to the credit bureaus.In addition, the negative reporting they have done is very vague and deceiving to determine anything about the alleged debt. Also, I was contacted in XX/XX/XXXX by another debt collector that was unable to comply with FDCPA and apparently " sold '' it to this agency.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX, XXXX, named the XXXX fastest growing privately held company in the US, is the latest in a series of recovery agencies purchasing old WF long time closed credit card debt. In my case, they took me to court to profit on a ( most likely bundled instrument ). I have consistently asked for the " purchase price '' they paid, through the law group they hired, and XXXX or XXXX refuse to give me that information. XXXX hired lawyers. There is a court ordered settlement hearing tomorrow, and then the case is scheduled to go to trial. Are they allowed to profit on me, XXXX, when I have no means to pay, the loan was written off by a bank that got bail-out funds relevant to the 2008 crisis, around the same time period. Were I to be able to come by funds to end the case, those same funds would find more prudent social use being applied to life-saving treatments for a medical condition. Why are certain consumers caused harm and not allowed to dissolve a debt during substantiated illness, job loss, other than through bankruptcy, when banking institutions DO get other benefits and help when as a corporate " entity '', they face their potential demise? And at bare minimum, why are the consumers not given the right to KNOW what their supposed debt is sold for, so they have lower cost options for resolution if desired versus " for profit '' agencies : the option to borrow money from a friend or get assistance from a nonprofit to prevent or end legal harassment for profit. This seems a reasonable option for folks seriously harmed by debt. Prevent stressful ordeals at that opportunistic bundled purchased price when requested. I am in formal Discovery to gain knowledge of what the amount of the " pennies on the dollar purchase price '' was, in order to 1 ) have that fact to work with, and 2 ) to be able to prevent inaccurate XXXX, which will affect my ability to have insurance. I have no lawyer, and like many Americans, can not afford XXXX. Can your agency help? Is there policy or law in effect I do not know about concerning this issue? Is there policy being written for XXXX to be able cancel debt, at the price it 's being sold at to " for profit '' collection agencies?
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Hello, My original mortgage was with XXXX, who sold my mortgage to SPS. I am behind with my mortgage, but made a payment today. I am not in foreclosure and have been negotiating with them since XXXX XXXX on a modification. However, they are not modifying, just an endless loop of re-sending info. I have made an over the phone payment yesterday, got a confirmation number, but the funds were not deducted from my bank account. I called SPS today, and they confirmed receipt of the payment request, but said they had not presented it to my bank yet. As tomorrow is an important deadline at which they will send my file to an attorney for procedures if a payment was not made, I am so worried that they are illegally trying to foreclose. Here is what I found online : XXXX and XXXX Their history is terrible and they have been playing games since XXXX. What they are doing is scandalous. Please help!!!
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I contacted the CFPB about a year ago regarding the following case. I thought it was resolved but with recently moving from XXXX to XXXX I received a new monthly lease payment reflecting sales/use tax. I have received my new monthly statement for my XXXX XXXX lease payment. It reflects an increase of {$44.00}. Calling XXXX they explain to me that because I moved to XXXX from XXXX my tax rate changed from 6 % in XXXX to 9 % in XXXX My question to XXXX was how can I continue to pay a sales tax on a lease transacion made back XX/XX/XXXX. After going around and around with the rep on the phone I finally said, the truth to all this is that when I purchased ( leased ) the vehicle from XXXX Chrysler/XXXX in XXXX XXXX they did not properly disclose to me exactly what my monthly payment consisted of. In the negotiation I was led to believe that agreeing on a monthly payment of {$490.00} was all inclusive and that it was based on an agreed purchase price for the vehicle. Evidently what actually happened was that XXXX Chrysler/XXXX in XXXX XXXX simply deferred the sales/use tax but did not make me aware of this. As a result I am once again getting an increase in my monthly payment for this supposed sales/use tax that I was not told about when the original leasing took place.
Consumer complaint received 2015-05-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX/XXXX/15, I deposited a {$5000.00} check using the Bank of America mobile app. I received a notice that the money would be available that day to cover checks and the next business day for cash withdrawal. Later that day, I scheduled a credit card payment to XXXX for {$4700.00}. The next day I received a notice telling me that the funds were going to be held and they would not be available. I then received a notice telling me that my account was overdrawn because they had held the deposit funds and deducted the credit card payment. Next I received a notice stating : " There were not enough available funds in your account to cover the transactions listed below [ {$4700.00} ] as of the date of this notice. Your account balance was {$5500.00} after we processed these transactions ; this includes fees shown below ... Check Number/ Debit Type - Electronic payment. Amount - {$4700.00}. Action Taken - Returned. Fee Charged - {$35.00}. " The absurdity of the above is clear just from reading it. The bank told me the funds would be available on a certain date, changed that date, and refused to cover the check based on that date. Furthermore, even their notice makes no sense. They returned a check for an amount less than the balance they provided in that same notice. The bank has since refunded the {$35.00}, but their behavior is unethical and caused damage to my relationship with XXXX Bank due to the returned check and may result in a returned check fee from them.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

After my wife and I divorced in 2013, she signed a quit claim deed and made sure the divorce decree noted she was relinquishing her rights to the house. 
I then spoke with Citimortgage, my mortgage holder, who gave me the option to complete a loan modification. After filling out the paperwork and sending all the required documents, including the divorce decree and the quit claim deed, the Citimortgage auditor considered me for the modificationAfter review, the modification was approved. Because the mortgage was behind in payments, the mortgage was reduced {$100.00}. Due to my ex wife filing bankruptcy, I was left with too much debt, so I too filed. CitiMortgage also had knowledge of this information during the modification orocess. 
Back to the home, I again was ordered to pay a {$100.00} reduction for 30yrs at the same purchase price. Keep in mind Citimortgage being part of the lenders responsible for the housing crash, some involving good people. The purchase price was XXXX and the current value is XXXX. 
CitiMortgage sends me the paperwork for this " lemon loan '' and I need to have my ex wife sign. I spoke with Citimortgage and discussed she would not sign and I thought the quit claim deed and divorce decree handled this situation. My ex wife was still on the loan paperwork and therefore needed to sign. 
I was told by a Citimortgage representative on the phone that this was a regular occurrence. 
I just want others to have access to this information. I think Citimortgage should be ashamed of this process but they blamed it on Consumer Finance Protection Bureau. CFPB, please look at your regulations with these banks. CitiMortgage is still allowed to mortgage overpriced homes, foreclose hiding behind your rules, and going on like nothing has happened.
Consumer complaint received 2015-05-20
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (NC)

On XXXX XXXX, 2015 I initiated a money transfer Bank to Bank from my bank ( SunTrust ) to a bank in XXXX XXXX ( XXXX ) in the amount of {$38000.00}. On XXXX XXXX, 2015 I sent another transfer to the same bank in the amount of {$35000.00}. I was informed that the funds would be available by XXXX XXXX, 2015. To date the funds have not been released and the bank refuses to give an explanation as to why it is holding the funds. In view of this I want my money refunded immedately.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (OH)

The original loan was executed by the complainant and hi wife XXXX in XX/XX/XXXX in the amount of {$68.00}, XXXX with XXXX XXXX XXXX XXXX XXXX. As security for the note, the parties granted XXXX as nominee for XXXX XXXX. The note and mortgage were subsequently assigned to XXXX XXXX XXXX XXXX, who assigned them to XXXX XXXX XXXX Bank. 
In XX/XX/XXXX, the parties filed for a divorce with XXXX notifying XXXX XXXX XXXX XXXX that she would not be paying any mortgage payments. In XX/XX/XXXX, XXXX XXXX XXXX XXXX filed a foreclosure action in the Court of Common Pleas, XXXX County, Ohio in Case No. XXXX against XXXX XXXX, XXXX on the unpaid principal of XXXX. 
In XXXX XXXX, the Court granted XXXX XXXX XXXX XXXX summary judgment and the Complainant filed a Notice of Appeal on that judgment. In XXXX XXXX, the Complainant was contacted by Caliber Home Services with a bill that stated that I owed XXXX. 
Caliber also stated that it would modify the loan and restart the mortgage if I paid XXXX by XXXX XXXX, XXXX to Trial Period Management, which I did. 
On XXXX XXXX, XXXX, I was notified by the XXXX County Sheriff Department that my house is due for sale on XXXX XXXX, XXXX. 
I 've never heard from Trial Period Management and was waiting for correspondence from them when I received the notification of the sale.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

We applied online to Bank of America for a new mortgage loan on a used townhome in XXXX XXXX, Florida, on XX/XX/XXXX. Mortgage loan officer, XXXX XXXX, contacted us and began the data collection process. During the next three weeks, numerous documents XXXX financial statements, insurance, sources of income, tax returns, etc. ) were supplied to BOA on a very timely schedule. Our credit card was charged {$440.00} on XXXX XXXX for an appraisal and credit report. All the while, XXXX confirmed that the requested XXXX XXXX closing date should be on schedule. After the appraisal was conducted on XXXX XXXX, XXXX XXXX, Home Services Specialist, called to say our loan package was very clean, that he rarely saw insurance issues already covered at this stage of the application like ours were, and that not only was the XXXX XXXX closing date feasible, but that we should be able to close earlier if desired. On XXXX XXXX, we were contacted by XXXX XXXX, Home Services Specialist, to provide additional documentation. The pace of activities and responses from BOA definitely slowed down under XXXX. On XXXX XXXX she advised the leasehold on the property would be reviewed by BOA on XXXX XXXX. On XXXX XXXX, XXXX days before our scheduled closing, XXXX XXXX advised us that the leasehold approval, and thus the entire loan package, had been denied. BOA knew at the very beginning that the property was a leasehold, as are all properties on XXXX XXXX, having been given to XXXX County by the federal government in XX/XX/XXXX It is inexcusable for BOA to have taken XXXX days to report back to us that the leasehold did not meet their requirements. XXXX asked if a refund of our appraisal fee would " help '' ease our dissatisfaction. On XXXX XXXX and again on XXXX XXXX, I contacted XXXX of XXXX supervisors, XXXX XXXX and XXXX XXXX, to reconsider our application based on our excellent credit, finances, and having been a BOA customer for many years. XXXX concurred that they had " mishandled '' our application by having waited so long to review the leasehold, apologized, but still replied " no exceptions '' to their loan denial. On XXXX XXXX, XXXX called to report that the appraisal refund had been denied. I suspect they did n't want further documented evidence of their wrongdoings. Not only are we out of pocket {$440.00} and almost XXXX weeks of lost time, we have to find a new lender, incur a higher loan rate over the life of the loan and higher closing costs, disrupt our scheduled move, utility connections, insurance arrangements, and hope that the property seller is still willing to hold the sale for us. Our financial losses alone will be several thousands of dollars. BOA should not be allowed to get away with such blatant practices at the cost of the consumer.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery has been contacting me every day and sometimes XXXX a day for over a year to collect a debt that belongs to my son. My son does not live in the same state and I have no contact with him. I have told them this, but they keep calling. Can I stop this harassment. This is not my debt.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

Hello, I am an XXXX XXXX member and due to the hacking incident several months ago, I added a fraud alert. Now, I am moving and need to open a utility account with XXXX & XXXX for electricity. However, the utility company will not allow me to open an account with out a large deposit because they tell me that Experian does not allow it. I have researched this issue online for hours. I called Experian 's XXXX XXXX numbers and went thru every option on the menu and can not get a live person to help me figure this out. I called their sales department hoping that they can refer me to a phone number or a person to help me and they told me if I do n't have an account ( and pay Experian ) I wo n't be able to talk to anyone. I have exhausted all options and 3 weeks. Please advise. Thank you so much for your help. You are the only reason that these large companies respond to people like me. 

XXXX XXXX
Consumer complaint received 2015-05-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Platinum Holdings Group, LLC (CA)

In XX/XX/XXXX I bought an engagement ring with mostly cash but also financed {$1400.00} through XXXX XXXX. I had just recently joined the XXXX military at the time so I had no idea what to expect. I was XXXX several times over the course of the next four years, I lost contact with XXXX and was unable to pay my bill online because of trouble with their website while XXXX away from home. They charged off my account later that year XXXX. Fast forward to XX/XX/XXXX and I just got off active duty XXXX days ago and I am being contacted by Worldwide Asset Recoveries about the debt saying that I owe them {$2700.00} and I better pay or they will " let their legal team take the matter further ''. The representative of this company, XXXX XXXX, said he knew all types of personal information about me including that I was getting out of the military and the date of my discharge, my job while on active duty and tried to use scare tactics to immediately get me to pay him. XXXX XXXX also contacted my father the same day pretending to be a friend of mine from the military to get information from him and he never stated who he was, who he worked for or the nature of the call. I am sending a letter to the company to request that they no longer contact me or my family members.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I need to find out what to do about getting a company to issue a Release of Lien from XXXX of 2012. I contacted them on several occasions and they told me several times that the Title had been mailed I must have lost it. So I recently sent off to the Texas Department of Motor vehicles for a Lost Title and was told that the finance company Santander still has a lien on the vehicle. My online account for the vehicle has been inactivated so I ca n't even pull up the proof that it is paid ... PLEASE HELP.