davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IN)

*Existing Chase mortgage with spouse. Upon divorce I was awarded property and need to settle mortgage loan*Never 30 days past due on mortgage payments*Mortgage has been open since XXXX XXXXMortgage payments have been consistently paid from my income, never 30 days late*Court order requires me to relieve ex-spouse of the mortgage XXXX XXXX, XXXX provided Chase on my entire financial circumstance, showed them that there payments would still be consistently on time based on my income and expenses*Balance on my mortgage is {$86000.00}, Value of property in my community is {$81000.00} based on divorce appraisal*Must comply with court order to relieve ex-spouse by XXXX XXXX, XXXXAttempting to complete loan assumption to comply with court order*I advised Chase that I want to keep my house and not have had a foreclosure or filed bankruptcy*Chase advised me complete assumption application*Completed full application, authorized them to pull my credit*All credit XXXX days late, no derogatory credit, no public records, no prior bankruptcy or foreclosure history of any type*Chase processed application-denied due to debt to income ratio and advised me to try another bankI contacted Chase to find out the process to transfer the property into my name and out of my ex husbands name. I informed Chase from the very beginning that my intention was to continue to make my on time payments of my mortgage and to protect Chase and myself from any negative impact financially. My intention is to keep my credit in good standing and for Chase to avoid taking back a property worth less than the balance owed. It is my best interest to keep this home for me and my children and not cause disruption in our lives. I have demonstrated by my credit history and my income that I have the ability to make these payments and had little to no financial help from my ex-husband for the last year. If Chase is unwilling to grant me an assumption that may jeopardize my financial situation and that forces me into a bankruptcy and foreclosure because of my ex-husbands financial actions. Then Chase may have to take a home back in foreclosure that at this time is entirely avoidable. Chase did not offer any other solutions other than to find another bank. I have in fact talked to a mortgage broker and another bank. Given my credit history I can qualify for a loan but due to the loan to value and the current debt to income ratio, I will not qualify at this time with another bank.
Consumer complaint received 2015-10-22
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (SC)

ON XXXX XXXX COMPANY RUSH CARD DID A SOFTWARE UPGRADE AND IN THE TRANSACTION PROCESSING SYSTEM DID N'T GO AS PLANNED CAUSING MY ACCOUNT TO SHOW XXXX BALANCE AND I HAD NO ACCESS TO MY MONEY I HAD ON THE RUSH CARD WHICH MEANT I WAS UNABLE TO PURCHASE FOOD, I COULD N'T PAY MY CAR PAYMENT, PAY MY BILLS WHICH CAUSE SOME TO BE LATE AND ADDED LATE FEES WHICH I WILL BE RESPONSIBLE FOR NOT RUSH CARD, AS OF TODAY XXXX/XXXX/2015 SOME REMAIN WITHOUT ACCESS TO THEIR MONEY MORE THAN A WEEK AFTER TECHNICAL PROBLEMS FIRST BEGIN THINGS ARE STILL NOT RIGHT AND THINK RUSH CARD SHOULD BE HELD RESPONSIBLE FOR ALL THE PAIN THEY HAVE CAUSED ME AND MILLIONS OF OTHER USERS ... THANK YOU!!!
Consumer complaint received 2015-06-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America ( XXXX ) insurance company for BOA has duplicated a claim and has left the status as open when it 's closed and has been closed since XXXX 2012, there was only XXXX claim at this time ( XX/XX/XXXX ) this is an attempt to force me to pay higher premiums for home owners insurance with them, I am not able to get a decent rate anywhere with the duplicate, open claim that ( XXXX ) has on my record. I have spoken to numerous of agents with XXXX and I was told that it 's closed, not duplicated and it still shows on my record. PLEASE HELP.
Consumer complaint received 2015-06-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

In 2015 I filed for Bankruptcy. .I re-affirmed my mortgage with Wells Fargo Home Mortgage and the paperwork was filed with the XXXX . My Meeting of the Creditors was XX/XX/2015. My discharge was XXXX/XXXX/2015. Wells Fargo instead of showing my payments which have never stopped since the Bankruptcy Began are showing that the mortgage was included in bankruptcy ( XXXX/XXXX/2015 ). They denied me a new account for this same reason after pulling a credit report. They are reporting incorrectly the information to all XXXX credit reporting agencies - XXXX. XXXX & XXXX. This is seriously affecting my credit since I have made sure to have this paid and reaffirmed as part of the credit rebuilding process. I have called them and sent them emails about the reaffirmation and they had not associated to the account until after I spoke to a representative on Wednesday of this week XXXX/XXXX/2015. I need them to correct my information ASAP. Can you please mediate for me. Thank you.
Consumer complaint received 2015-06-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I sold my home for short sale in XXXX 2011. Wells Fargo never reported to the credit bureau of my pay off of my home and that my balance with Wells Fargo is {$0.00}. I have called several times to contact the morgage department of Wells Fargo and have not had any luck. I would like Wells Fargo to report to all three credit bureau 's, XXXX, XXXX, and XXXX that my pay of has been completed back in 2011.
Consumer complaint received 2015-06-12
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NV)

I was contacted by a repair company that did some work on my computer. they sad theywere going out of business in the US and they wanted to refund the money that I paidto them. If that was alright, All they needed me to do was to do was send a moneytransfer to XXXX with money they were going to deposit in my account. they deposited {$1300.00} in my savings account, I was to make a transfer funds to XXXX. for $ XXXXXXXXand keep the balance to pay for any fee 's. I checked with my bank to see how muchmoney was in the above accounts, I had not what I should have had. I tried to contactthem and got no response.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo obtain my mortgage a few years ago and during this time fraudulently placed my home in foreclosure by stating that I never made a payment to them which was n't true. I was instructed by a lawyer to file for bankruptcy to prevent them from doing this. This process will force them to acknowledge the payments I made and prove their claim. An appraisal was performed on my home that was authorized by Wells Fargo which raised my insurance to an astronomical amount that exceed the worth of the home, I have no legal grounds to fight this new tactic by Wells Fargo,
Consumer complaint received 2015-10-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (NM)

We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Dear Sir / Madam, I would like to bring your attention to the situation created by my Loan servicing company, Ocwen Loan Servicing LLC . Last year there was a situation when Ocwen by mistake paid XXXX XXXX taxes of a property owned by me but held by another mortgage company. Without realizing their mistake, Ocwen modified my loan for the first few months of XXXX. When I realized their error, I tried to resolve the error and reduce my XXXX by calling their call centers. When nothing helped, I created a complaint in the CFPB website, numbered XXXX. 

Here is how Ocwen Loan Servicing responded to that complaint : CFPB Case Response from Ocwen ( Can be verified in the case details ) " Ocwen is still in review of the account. '' After careful review of my case, XXXX XXXX XXXX, on behalf of Ocwen Loan Servicing LLC, on XXXX XXXX, XXXX, wrote me a letter of appology ( attached as proof ). In that letter she agreed that, " On XXXX XXXX, XXXX, Ocwen disbursed {$3400.00} from your escrow account to pay property taxes due for your property located in XXXX XXXX. It has since been confirmed that the property address located in XXXX XXXX is your primary residence, and is serviced by another mortgage company. Therefore the funds disbursed by Ocwen for the property taxes for the residence in XXXX XXXX were sent in error. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) She also wrote that, " In addition, your request to remove the escrow account from your mortgage was granted on XXXX XXXX, XXXX. After XXXX XXXX, XXXX, you are responsible for the payment of the property taxes and homeowner 's insurance in the property mentioned above. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) When Ocwen itself acknowledged that it was their error, in XXXX, how the same company in XXXX is sending me notice that my loan XXXX is changed to {$1200.00} instead of {$570.00} to recover the money Ocwen agreed they paid in error. 

I have anther property at XXXX XXXX XXXX XXXX IL XXXX. If Ocwen continues their standard of loan servicing what is the guarantee that they will not pay the property taxes due for that property ( and not managed by Ocwen ) and ask reimbursement from me? I am under considerable financial stress due to Ocwen 's error and would like your kind attention to get relief from this kind of infringement of my financial rights ( paying taxes for my properties without my consent and then forcing me to pay back ). 

As proof, I have attached different sections of the letter sent to me by Ocwen on XXXX XXXX, XXXX to acknowledge their error, the proof that I paid the property taxes in XXXX, XXXX to XXXX XXXX where my property is, email and website confirmation of both installments of property taxes due this year. I marked special section of Ocwen 's letter for ease of comprehension. I also attached Ocwen 's statements, and all the proof that I also submitted for the last year CFPB case number : XXXX. 

Your sincerely, XXXX XXXX ( XXXXXXXXXXXX ) XXXX )
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (KS)

I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received. 

I have repeatedly told MCM that I do not owe this amount because I was on a monthly plan with XXXX paying {$50.00} a month. The bill that they are charging me for looks to be adding the cost of a Galaxy S phone hat I was using my sim card in, but that phone was on my husband account and not mine. He was charged for that phone and paid it off on another collection account with MCM. They are trying to charge us XXXX for the XXXX phone. I was using the phone ( switch my sim card ) but my husband was the one who had got the phone on another phone number and not mine. I am inclosing a copy of the billing information I have received, and as you will see they still did not break down the past due billing for me, only telling me I owe X amount for this account. 

I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it XXXX Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in XXXX in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently requested all XXXX of my free credit reports threw XXXX, and had no problem receiving my XXXX, or XXXX reports ; however, Transunion sent me a letter changing the apartment number to my address from XXXX to XXXX and denied me my free report unless I send them very personal information in which I object. My reports are frozen at my request because Transunion has been reporting inaccurate information. Transunion suspended my account when I attempted to dispute personal information. Customer service relayed to me she was sending me a new password XXXX times and I never received that password, as promiced to lift the suspension. I had a problem trying to get my free report last year, just the same and am fustrated with dealing with them.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX fraudulent withdrawals were made from my account in XX/XX/XXXX and XX/XX/XXXX. XXXX in the amount of {$160.00}. These withdrawals caused an overdraft in my account. The withdrawals were actually for what I thought was XXXX XXXX XXXX. I was attempting to have my Federal student loans consolidated. The company turned out to be nonexistent but I did n't realize this until XX/XX/XXXX. I reported it to my bank, Bank of America and the gentleman that I spoke with researched the withdrawals and took my claim. He said the funds would be posted back into my account in a couple of days. Approximately two days later the funds and the overdraft fees were placed into my account.However, on XX/XX/XXXX {$320.00} was taken from my account. When I called to enquire as to why I was told the claim was rejected because it was not reported within 60 days of the transaction. I was not made aware of this when the claim was taken by the gentleman on the phone. Had I have known I would not have submitted the claim. Then on Wednesday XX/XX/XXXX I checked my account to see it was - {$540.00}. When I called this time I was told the overdraft fees were being taken back as well. Nothing was ever communicated to me about any of these actions. And why was the claim initially taken when the individual taking the claim was well aware of the 60 day law but never brought it to my attention. I also checked the account today XX/XX/XXXX and I see that additional fees have been added on as well. 
Please help! I believe that I was misled and ill informed during this entire process and I believe the Bank of America is trying to take advantage of me as a consumer. I was already victimized once now I feel I 'm being victimized again! 
I 'm requesting that the account be closed and the fees dismissed. They 've already taken XXXX of my paychecks that were deposited into the account. Leaving me with no way of paying my bills or caring for myself and my daughter.
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwestern Health Management INC (MO)

I filed chapter XXXX bankruptcy XX/XX/XXXX.completed plan XX/XX/XXXX. 
northwest financial servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
their phone XXXX XXXX. 
This matter concerns XXXX medical bills that were included in my chapter XXXX.they were discharged in the bankruptcy.i have tried to make them aware of that fact so they can stop collections and stop reporting to the credit bureaus.they refuse to stop all activity.Northwest manager name is XXXX. 
medical bills on credit report shows XXXX and XXXX.equifax is showing balance of XXXXbalance as of filing of bankruptcy was XXXX and XXXX. 
date of doctor visit was XXXX.reference numbers are XXXX XXXX XXXX changes account numbers on collections.Thank you for your assistance in getting this collection issue resolved.my bankruptcy attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX.they also have collection activity on my spouses credit report.XXXX. 
would want it removed from collection on her also.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

CountryWide stole my home from me, which had been paid for XXXX times over, first by my signature on the Promissory Note, then on the refi promissory Note & from my personal check which CountryWide monitized. Also I signed forms that were not fully disclosed to me. I did not know that by signing the forms, I gave the property back to CountryWide & agreed to pay them about {$900.00} a month for 30 years.
Consumer complaint received 2015-06-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

I recently filed a complaint about Bayview Loan Se vicing. There has been some things brought to my attention. XXXX XXXX bought XXXX XXXX XXXX in a Foreclosure Sale. Someone made an offer on the property, they got turned down. XXXX XXXX was the listing agent, XXXX XXXX refereed them to XXXX XXXX. They was told the property was sold but never could find out by who. They submitted another offer was submitted through XXXX green, XXXX XXXX was asked and she told them that she did n't know who the new owners were. The property was Quit Claimed to XXXX XXXX XXXX, Offers were made for XXXX months no one ever said anything about it being Quit Claimed, never was told who they were. Now the property 's servicer 's are Bayview it was listed on XXXX. Ihave found several properties done like this. What concerns me is that XXXX and XXXX XXXX are always the agents and sometimes the property is sold or Quit Claimed to XXXX and/ or XXXX XXXX. It 's always the same people involved.The property XXXX XXXX XXXX XXXX XXXX, TX XXXX was listed incorrectly online but when the people tried to purchase it XXXX tried to sell them XXXX acres, they corrected her she finally fixed it. Another couple tried to buy a house down the road got a USDA loan XXXX XXXX listing agent. When it got to the title company they found a problem, It was brought to XXXX attention she refused to fix it. So the contract got cancelled. XXXX XXXX was the servicers it was a short sell. The couple asked XXXX XXXX for their earnest money back she refused and made all kinds of excuses. They finally threatened to get a lawyer she finally gave it to them. The property XXXX XXXX XXXX XXXX XXXX XXXX still has the earnest money checks. There are a XXXX listed on XXXX that the same people are involved in. The XXXX property had n't went to foreclosure when the XXXX tried to buy it but it has since and all the same people are involved and then both houses are listed same time, same site, and same people.XXXX XXXX took people to court for eviction their lawyer told the people they only received XXXX offer on XXXX XXXX XXXX XXXX, XXXX XXXX 's attorney also informed them that they did n't have a listing agent for the property. The next day XXXX XXXX calls and tells the people that they said things in court about her that was n't true. They had emails and correspondence with XXXX XXXX emails and text. The bank XXXX XXXX mailed letters to the home owners but they used the address XXXX XXXX XXXX XXXX XXXX, TX instead of XXXX, Tx then said people refused certified letters.
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disputed the erroneous, unlawful, purportedly negative account from XXXX XXXX appearing on my TransUnion, XXXX, and XXXX credit reports. It is a direct violation of FCRA to report an alleged outstanding debt if there is an ongoing billing investigation. To report this to the credit report is grossly premature especially considering the unlawful overage charges for data and breach of contract for an advertised unlimited service plan. Upon conclusion of the dispute investigation, TransUnion deleted the account. I just received notification that the same XXXX account was reinserted.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX am very frustrated with Equifax, I 'm trying to fix my credit report more than XXXX weeks ago, I send them social sec, drivers license, and utility bill, they confirm me the change of address and when I make a credit report update the old address appears again and every day I have to call and they tell me lies and I feel discriminated .They not fix my address and they made me split file from my credit report because they say this very long and then my new credit accounts do not report them because there is no space. That is not right, please help me to fix my credit report ..I have read many complaints about Equifax be doing split file to many people, please I want just one normal credit report with all my new credit accounts. Thank You
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

A company by the name of Midland Credit, phone number XXXX, keeps calling my work number during working hours, they ask for me but if I am not available they are rude and once put in my voice mail, they never, never leave a message. I do not even know what this is in reference to. They need to stop harassing me and my co-workers. Thank you for your assistance.