davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority (NC)

I made the first mortgage payment XXXX XXXX for my first payment due in XXXX. I made the payment online with no issues. I then tried to make my XXXX 2016 payment the first week of XXXX online but XXXX XXXX XXXX, XXXX site would not let me. I tried several more times with no success. I then noticed that it was showing a " XXXX '' balance on the principal. I called the automated line for mortgage help and it stated it was payed in full, which I knew was not correct. On XXXX XXXX I called and spoke directly with XXXX XXXX XXXX personel. They advised me that my mortgage had been sold and they did not know to who but gave me a phone number. I called the number and learned that it was bought by XXXX. The person I talked to could not provide a date it was transferred and also said they could not find my XXXX payment. Later that day I was able to locate my loan through their website. I have never received any written, voice, or electronic notification that this had taken place or instructions on how to make my future payments. Also, now I find out that I will be charged to make payments electronically/online/phone. Now I will only be able to send a check to make a payment which I find very inconvient this day and time. My previous payment now shows on XXXX XXXX. I still have no notification of the transfer of the mortgage which I understand is required by law 15 days prior to the transfer.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

I modified my mortgage. I had my own home owners insurance and Chase added their mandatory insurance. Chase refused the payments for the amount stated both in my modification and on my statements. After speaking to several reps XXXX rep stated the modification was not executed properly on Chases end and they would fix it, by sending out new docs. Docs were never sent and Chase started foreclosure process. Chase agreeed after filing bankruptcy to allow me to make 12 months of payments and then Chase would reinstate my mortgage, once again Chase refused the payments all paymenys were sent in money ordes to the forclosing attorneys office, as directed by Chase. Five months into the agreement Chase is trying to record a foreclosure from XXXX five months prior. They also told my insurance I no longer own the home and to cancel my insurance while Chase once again added its force home owners insurance.
Consumer complaint received 2015-06-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

My XXXX mortgage on a home I own was sold from XXXX company to another. XXXX No, this is not my specific complaint. ) The information provided to the new company that assumed the loan was grossly incorrect, and as a result of this, the new company sent a letter to the tenants of the home ( I rent it XXXX stating that the home was in jeopardy of being foreclosed on. Thankfully the tenant immediately contacted the property manager who in turn contacted me. ( I was able to immediately make the necessary payment to restore the account, the NEW account. ) Complaint facts:XXXX The address that Ocwen ( the company that had the loan ) provided was a no-longer-valid address for my ex-wife, who had moved out of that address BEFORE Ocwen even assumed the loan. XXXX This address was NEVER provided to Ocwen ; I suspect they did an internet search or credit check to find this address. ) XXXX. My ex-wife never made a single payment to this mortgage, so identifying her and her ( no longer valid address ) makes even less sense. 
XXXX. I provided Ocwen my correct address, email address, phone number, and bank information several times over the XXXX month period Ocwen had this loan ; and none of my information changed during this 18-month period. 
XXXX. I did not, as a result of Ocwen 's inability to keep track of my personal information, receive any notification from them that the loan had been transferred. 
XXXX. I use online banking to pay my mortgages, and by far, Ocwen has been the most difficult and least responsive mortgage company I have ever dealt with in the XXXX years I have had a personal home mortgage.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (TX)

On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. 

Now they have called XXXX times and when I pick up, they say nothing. Ridiculous.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (VA)

I obtained a loan from one main financial in 2014, had lost a job. 
As of XXXX of this year, I have been unable to make payments on time. Since XXXX of this year I have received over XXXX phone calls starting at XXXX XXXX and ending at XXXX XXXX on average XXXX calls a day Monday through Sunday 7 days a week they call from multiple numbers from XXXX from XXXX from XXXX from XXXX from XXXX they 're relentless they will not stop I 've sent XXXX letters of cease and desist have gone unanswered they constantly call I have records of every phone call they made since XXXX I 've even told him cease and desist they will not.. This is the XXXX complaint in less than a month that I am filing against One Main Financial this is beyond simple harassment. When they call I answer no one is on the other end I 'll say hello they hang up if its not that its a robo call and robocalls for constant. I will continue to file complaints daily until I hear from a representative from the Federal Trade Commission this goes way beyond the violations set forth on Credit or harassment. I would greatly appreciate acknowledgement of this complaint by representative of the Federal Trade Commission
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (TX)

I have a new phone and also registered my number w/Do Not Call.gov. I get an inordinate amount of calls from the following phone numbers ( all from the same company ) asking for ( probably ) the former owner of my new phone number. I called this company XXXX times and spoke to different employees, explaining above & asking them not to call again. Apparently their employees are XXXX or incapable of removing my number. I even added my last name to my voicemail message, to no avail. ( They keep asking for a XXXX.I am not wasting any more time calling these XXXX. They most often leave hangups. ONLY other calls are automated. 
If you can help me I would appreciate it. thank you
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/2015 I bought a copy of my Tranunion credit report XXXX Order Number : XXXX ). I disputed several items on my credit report and requested that the results be sent via email. I did not want my report to go out in the mail. On XXXX/XXXX/2015. I received notice from a credit monitoring service that their had been changes to my Transunion report. On XXXX/XXXX/2015 I contacted Transunion to inquire when I would receive a response. I spoke to a representative who purported to be a supervisor ... she told me an email had already been sent to me. I explained that I did NOT receive the email. She gave me XXXX options, she could either mail out a copy or she could go over the results over the phone. I explained that I had paid for an electronic copy and I want my results and updated report electronically. 
Her demeanor was take it or leave. I asked to speak to a manager, she refused. I refused to hang up until she transferred me to a manger. She transferred me to voice mail with an inaudible name. I left a message. As of now I have not received a response. My biggest concern ... TranUnion purports to have sent an email. Who received this report / results? Where was it sent? I DID NOT RECEIVE THE EMAIL.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: 1ST 2ND MORTGAGE CO. OF NJ INC (NJ)

My mortgage company has misrepresented themselves by guaranteeing me a 7 year mortgage at 3 % interest rate. They had all of my documents within a reasonable time period ( 2 weeks ) and because the rates went up instead of down, as they were hoping for, they are not honoring our agreement, as per our emails. I found that they lied to me and did not lock me in with the 3 % saying that the forms needed to be completed first. They are completely unethical and dishonest. They were the ones that called me regarding the reduced interest rate and I quickly acted upon it. I took my time, effort and cost to gather all of the information that they needed and I am told " I 'm sorry for the misunderstanding ''. There is no misunderstanding, they are just scamming me and I do n't appreciate it. I want them to honor their commitment that they made to me and complete my refinancing as per our agreed upon arrangement. I find it hard to believe that after 9 years they treat their customers like this and expect to get away with it. I am sure that I am not the only XXXX they have done this to. I would greatly appreciate you looking into, what I believe, is their unethical behavior. I have all correspondence that was emailed between us. I want them to honor their commitment that they made to me and complete my refinancing, as per our agreed upon arrangement, 7 year fixed term at 3 % interest rate.
Consumer complaint received 2015-06-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

Last year I applied for a home loan modification thru wells Fargo. The experience was horrible to say the least. I was never deliquit on mortgage till they told me to stop paying the full amount and start paying the trial plan amount. This put a negative mark in my credit report that everyone sees with out looking into as Serious Deliquit. After you find out what happen it shows loan modification. But based on the credit inquiries that 's the first thing they see when pull credit and it makes me look bad cause I never had to this day serious deliquit till after all that. The process was a nightmare from not getting my phone calls returned because my home preservation person was never there always out of the office. Left XXXX some voices mails being for a call back come to find out she 's been gone for a while. Her mail box was full, no help from them, getting hung up on cause they did n't wan na talk to me. Was reassigned someone else towards the end after begging and asking for help. Just picture having a deadline and then not being able to talk to the person handling your case cause she 's been out of the office for a month. Would like the serious deliquit removed please.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

I have made several complaints to Midland Funding about one of the accounts placed with them. During the dispute I asked for a copy of the document I signed. They have me listed as having a XXXX account in a state I have never been to. my name is also misspelled. I never had this XXXX account. They sent me back that they sent me some notice which I never received and never addressed that I did not sign for this. If I knew the dates that I supposedly had this account I could try to prove my whereabouts. they also seemed to say that because I have another collection account this must be legitimate. This is not legitimate. I have never been to Virginia in my life. This account needs to be removed
Consumer complaint received 2024-09-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

I closed a CD with Marcus by Goldman Sachs on XX/XX/year> ask for a check to mailed as of today I've not received my check the XXXX tracking number that was given to me in invalid, I've place more that XXXX  called to Marcus by Goldman Sachs each time I've spoken with a supervisor and was told someone would call me back never happened, no one has proper training an investigation is needed.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

ARS ( Account Resolution Services ) is claiming they received a debt from XXXX XXXX XXXX which oversees ER doctors. They claim that XXXX has record of me seeing a XXXX XXXX XXXX at the ER of XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX. I did not visit the ER at XXXX XXXX XXXX at anytime in XX/XX/XXXX. I never saw a XXXX XXXX. I called XXXX and was routed to an organization called XXXX. I spoke with a representative who tried to look up my collections account by all means possible ( i.e. First name, Middle name, Last name, SSN, birthdate, etc. ) with no success. They said that I was never a patient with them. Being that I did not use the services of the ER and that there is no record with the original debtor I am contesting this debt. Lastly, I was never notified of this debt with any statements or phone calls. The address they claimed to send the statement to that came back as " undeliverable mail '' was not an address I was living at the time they claim the services were rendered. The debt appeared on my credit report in XX/XX/XXXX, two years after the supposed event. I was made aware of the debt when my mortgage loan officer sent me a credit report recently. It was not on my credit in XXXX. I have filed a dispute with all XXXX credit bureaus but wanted to make you aware that this is not my debt and I was never notified before it was negatively reported on my credit.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (NY)

I went into a debt collection program in XXXX and had settled all my obligations by XXXX. I am trying to refinance my mortgage to gain a lower rate. On my recent credit report the bank noticed that I have a judgment issued on XXXX/XXXX/XXXX from my Discover card. On page XXXX of the credit report it states that there was a settlement. Payment was made and the account was closed. I need help removing the judgment from my credit report as it is no longer active. Thanks. XXXX XXXX
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

My late mother and I are Borrowers on a XXXX XXXX XXXX home mortgage loan. We signed loan adjustment agreement documents to modify my loan agreement with Bayview Loan Servicing , LLC, in XX/XX/XXXX. My mother passed away suddenly in XX/XX/XXXX In, XX/XX/XXXX I signed loan adjustment documents and forwarded all of the requested information and my mothers death certificate, via mail and facsimile ; still, as of today, the loan has not been converted to the new loan terms. I have been attempting to work with Bayview Loan Servicing , LLC to modify the loan terms, with XXXX XXXX XXXX Bank due to my mothers untimely passing and changes in my finances and my ability to continue to make the loan payments under the original loan. On XX/XX/XXXX, Bayview Loan Servicing , LLC, sent me another permanent loan modification agreement that would take effect upon completion of the Stipulation Agreement. I signed and sent that agreement back to Bayview Loan Servicing , LLC, on XX/XX/XXXX, I made timely loan payments under that agreement, but Bayview did not change the loan terms. Bayview still has the original loan terms XXXX payment, rate, etc. ) in its system. I received notices from Bayview Loan Servicing , LLC that my loan is delinquent and they have threatened that if I do not bring the loan current, it would start foreclosure proceedings. I contacted Bayview Customer Service and the asset manager assigned to my loan explaining that my loan was modified. They agreed that the loan was in a modification and that I was to ignore the pre-foreclosure notices and continue to make payments under the modification agreement. I have been sending in mortgage payments since XX/XX/XXXX, I was told by the asset manager that they were in the process of converting the loan terms. While this is all going on, Bayview was reporting to the XXXX major credit reporting agencies that I was delinquent on the loan. I am now leaving in fear that Bayview Loan Servicing , LLC, is going to foreclose on my home. I have been making timely payments to prevent foreclosure proceedings and I have complied with all the loan terms I have agreed to. Still, they want to take my home and I am not sure how to XXXX this But, I do know that i should not have to leave in fear of being homeless, when I have done everything I was asked to do XXXX times now over the course of a year.
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reported my credit card accout XXXX. The exact same credit card number is reported twice with one having no credit limit information, and the other XXXX with a credit limit of {$8500.00}. Bank of America reports XXXX these accounts opened XXXX. Bank of America reported these on page XXXX and XXXX of XXXX pages on this credit report. However on page XXXX of XXXX on this same report Bank of America reports a third account opened in XXXX. I did not open XXXX credit cards with Bank of America in XXXX of XXXX! Why and how did Bank of America report this information? Why did Bank of America report my credit card account on page XXXX and XXXX then a third Bank of America credit card account on page XXXX. Why did Bank of America report my account twice as if it were two different accounts and why did they report the third account XXXX pages later on page XXXX on the same report? 
On XXXX credit report of the same year XXXX Bank of America reported this same credit card was opened in XXXX with {$26000.00} credit limit. When I reported my card lost/stolen in XXXX of XXXX Bank of America replaced it with the same credit card number as the one reported lost/stolen. I called Bank of America and asked them why they replaced my lost/stolen card with the same credit card number? They then replaced it with a new credit card number, but on the credit report they report it lost/stolen without closing it. Gave me a new credit card number very similar number except the last four digits. Bank of America then gave no answer for the credit limit, but later reports show that Bank of America reported the High Balance of that credit card as the credit limit. Why did they try to replace my lost/stolen card in XXXX with the same credit card number? Why did they change the credit limit so dramatically from {$26000.00} to {$8500.00} when they replaced my lost/stolen card. On the XXXX credit report Bank of America reported a third account. I only have one credit card with Bank of America, I remember they sent me a card in that same time period, I was not happy that they were sending me another card, it did n't make sense, so I called them. They said something along the line of " oh you do n't want it? '' I said no. This was around that same time in late XXXX. 
I did not open a credit card with Bank of America in XXXX, nor did I close it in XXXX. I do n't even think I opened a Bank of America credit card in XXXX, I believe I opened a XXXX XXXX, but not Bank of America. I only have ONE credit card with Bank of America. 
I want Bank of America to answer and explain all of the above inaccurate information regarding my credit card account in my credit reports. I believe Bank of America deliberately reported my accounts innacurately. Why? 
When this is explained by Bank of America I may need to take their answers to an attorney for processing it legally.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

What is this XXXX? Experian XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX. It 's complete XXXX! They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX. 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this site XXXX into a scam to drive people to their pay sites! 

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