davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

COmplaint filed X/XX/2017- XXXX XXXX {$350.00}, XXXX XXXX original creditor XXXX XXXX XXXX {$470.00} Equifax is stating that they verified the information that is derogatory and on my credit report. This is false information. I have contacted the complanies XXXX XXXX was resolved and paid by insurance and was removed from my credit due to a billing issue on the insurance company. Equifax has not deleted it. XXXX {$470.00} was removed from Equifax per my dispute as it was invalid charges and taken care of by insurance. Equifax deleted it and then allowed it to be reported by another debt collector which is XXXX. XXXX XXXX the original creditor has no bill that ever was in their office for {$470.00}. Equifax claims to resolve and verify with creditors but they are not verifying with collection agencies or creditors. They are violating my rights under the Fair Credit Reporting Act by failing to distribute to me the information they receive from the debt collector that proves this is my debt. I send documentation and this does not get resolved. 

In addition I have provided evidence that XXXX XXXX would not report to credit agency and Equifax is still allowing it Equifax is falsely claiming to verify information. This is a total violation of consumer rights. THey do not verify they just close disputes as verified to meet the 30 day timeline.
Consumer complaint received 2015-04-02
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

This is an ongoing complaint. You should be able to select more than XXXX issue. Yesterday, Select Portfolio Servicing ( herein ; SPS ) sent a Realtor XXXX XXXX from XXXX XXXX ( no address on letter, only a ph # XXXX & a Fax XXXX ) to put a letter on my residence of owner Occupied. To ask about moving out and receiving cash to avoid eviction. My matter is still in litigation. SPS still continues to make attempts to " scare me '' I am XXXX, my spouse abandoned me. I have been fighting this by myself. I am not on a " NOTE '' that had been lost, destroyed or stolen, that was never produced until the very last minute, with XXXX signature, ( ill gotten ) and XXXX endorsement, without recourse. SPS has never had a recorded chain of assignment only a fraudulent assignment by XXXX exists in the recorder office by a Robo Signer named XXXX XXXX. To which is what SPS came with. If they had at the time, why did they not bring it. They did not HAVE the authority to come to court or act on behalf of anyone. I have sent several XXXX and XXXX to SPS, and the recent Realtor. SPS has comitted fraud, along with XXXX Bank. I ask they Cease and Desist from further attempts to seize my home or have me evicted as THREATENED. my case is still in Litigation. THEY ALSO CONTINUE TO ASK FOR A PAYMENT THAT WAS PAID. I HAVE SUPPORTING DOCUMENTATIONS TO SUPPORT THIS FACT. THEY ALSO CAN NOT PROVIDE XXXX YRS OF ACCOUNT ACTIVITY. Thank you.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Ocwen has lost, misplaced, or misposted over XXXX worth of payments from XXXX to present. We have also been charged for a forclosure that never actually occured ( {$14000.00} in fees that were supposed to removed with the XX/XX/XXXX loan modification ). We have provided bank statements on XXXX separate occasions ( and XXXX different escalation specialists ) that provide confirmation that ocewn received and accepted our payments ( however Ocwen states we never made the payments even after we furnished proof that we had ). they are reporting us 90 days behind and we are not, we should actually have {$3000.00} in a suspense account? We have been bounced around for XXXX months to different escalation specialists and there is still no resolution. We need help!
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (AL)

This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I have submitted several applications for a modifications and have not received any written correspondence as to the status of the application. I have had the  XXXX  sale date postponed on several occasions and on  XXXX / XXXX / 17 , the property was foreclosed on. This company , Fay Servicing h as send any explanation as to why the application was not reviewed. This property was deeded to me in divorce and I am not on the loan, but I submitted all financials and the divorce decree.
Consumer complaint received 2015-10-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Residential Credit Solutions, Inc. (NJ)

Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was XXXX. Roughly four months after RCS had my loan, my payment increased to XXXX for " escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until XXXX. As a single mother of XXXX and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in XXXX and RCS sent it back to me and said that my loan is in default because I was deliquent with XXXX payments, that I am heading for foreclosure, that they will not accept anything less than the XXXX payments and that THEY WILL RUIN MY CREDIT!!! I was advised that my only option is to refinance the loan as soon as possible and get away from the company. THE PROBLEM is that they are now saying that I am XXXX PAYMENTS DELINQUENT and they are holding those payments against me so that my EXCELLENT CREDIT SCORE that 's taken years to establish and has always been impeccable, is now been dropped to a middle score of XXXX. I 'm not sure what I can do next, but I am in desperate need of some sort of financial help and advice. Thank you so much for listening!
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (FL)

Century 21 Mortgage have a mortgage service center call PHH Mortgage that handles all their Mortgage. In around, 2010 I was delinquent on my Mortgage and they gave me a government program with a 2 % interest remodification and at the end of the the tax year I was sent a XXXX with around {$100000.00}. After I was paying my Mortgage on time for a while I was sent a letter with XXXX of checks I had sent saying the amount for mortgage has now change and I need to get in touch with the mortgage lawyer and and see how much I need to pay to be current I was tolded by the lawyer {$16000.00} of which I had about {$6000.00} money sent back by the mortgage company and being delayed in the mail. The mortgage company decided to work with me to become current sent all the document with the correct principal and amount we would pay monthly. We setup a separate account and wait for the direct withdrawal of the new mortgage to my surprise money sat in the account for XXXX months when we call the mortgage company that told us that their was an error on their part and they short the principal {$100000.00} which can only mean they are trying to charge me for the {$100000.00} they had already got credited for. I tried getting it resolved but the company kept changing the agents that I dealt with in the early years of the mortgage, so its hard to track to see when the figures increased and decreased on account of errors of numbers so now my mortgage principal is {$100000.00} over in valve and company refuse to remove the error so we can get our montly payment back on track.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (TN)

XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX
Consumer complaint received 2015-11-27
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX Countrywide Mortgage discharged a mortgage for {$30000.00}. I relied on this Discharge. In XXXX Country Wide Assigned this discharged mortgage to XXXX XXXX background the following facts and events occured : In XXXX Bank America ( the loan servicer ) attempted to foreclose on the {$30000.00} discharged mortgage.. After numerous letters and phonecalls Bof A admitted the loan was discharged and ended all foreclosure actions against me. I recently discovered that Countrywide Mortgage sold or assigned the mortage in XXXX to XXXX XXXX. At no time did Bank America divulge this to me until after a response to my consumer action letter ( in XXXX ) XXXX XXXX pursuant to Massachusetts General Laws.without proving the mortgage ( XXXX ) was invalid. With respect to the Assignment it ignores the Discharge even though it was Countrywide who created the Assignment to XXXX XXXX. Of further note, my first mortgage was with Country Wide who was found responsible for predatory lending practices as well as unfair actions when they serviced the loan and other claims. My first mortgage was Modified in XXXX at no time did Countrywide claim that there was a second mortgage. Please Note : I am having trouble with uploading..the XXXX documents are a Discharge recorded at Book XXXX Page XXXX ( XXXX ) and the Assignment recorded at XXXX Page XXXX. ( XXXX ) Both recorded at the XXXX XXXX XXXX XXXX XXXX in XXXX Massachusetts documents are available on line.
Consumer complaint received 2015-11-26
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have a flexible medical spending account through my employer XXXX. I tried to use it to pay a dental bill and learned that the account had been hacked and {$3200.00} was taken out from someone in XXXX When I contacted Bank of America they said there was nothing they could do. Their explanation to me was that it was over 90 days and because I did n't report it as soon as it happened the time frame for filing a complaint had expired. They stated they tried to contact me.i did not receive anything in the mail, nor did I receive a phone call. I have called twice to try to resolve this with Bank of America and they hung up on me. My name is XXXX XXXX XXXX. I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (TN)

I have been a customer of unirush ( rushcard ) for about a year and a half. I have my paycheck direct deposited to this card. I had a direct deposit sent on XXXX/XXXX/15 scheduled to be posted to me on XXXX/XXXX/15 which rush card has never applied. Confirmed metabanks receipt of my direct deposit yesterday yet I do not have my money
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

Equifax is reporting incorrect & false payment history of this account, they are refusing to update and remover this item. I have submitted supportive documents from creditor. the creditor has reported different date to XXXX & XXXX which have removed / deleted the account off my reports.this account is having a negative effect on my credit. the account was first reported negative in XX/XX/XXXX, but they are back dating saying it was XX/XX/XXXX. this account has never been current since XX/XX/XXXX.
Consumer complaint received 2015-10-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (GA)

I went to a Western Union provider and filled out the order to send {$470.00} but added a " test question '' because the recipient had his wallet stolen and did not have an ID. The transaction went thru and printed me a receipt. The charge for the service was {$40.00} When my friend went to pick up the money he could not because the " test question '' was not listed on the transaction. The reason is that Western Union has a rule that you can not send amounts over {$290.00} with a " test question ''. So he could not get the money. I called and they told me to go back and get a refund. So I did but they said they would not refund the {$40.00} fee for sending the money. I do n't understand how they can charge me for this when I was not informed that this transaction would not be deliverable. I was printed a receipt. Their system should have not let this " undeliverable '' transaction to complete. I think their software should have kicked this back and should have not allowed this transaction to complete. I want my {$40.00} back
Consumer complaint received 2015-04-01
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IN)

XXXX XXXX was purchased by Navient. Navient shows non payment but we have canceled checks dating back years. We 've sent the copies of the checks and they still keep calling. It 's as if they are not communicating that we 've resolved this issue with 5 different customer service representatives. They call up to eight times a day every day. The numbers they call from are : XXXX XXXX XXXX
Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

my name is XXXX '' XXXX i am again complaing about bayview why have you not done your job i am asking that the company stop sending me info about the hamp waste of paper and not in military they sent me certified letter that i had to take to the post-office thought is was serious the letter contain only about the hamp i got a regular mail reL this and a certified letter in say day wasted by time and gas XXXX round trip to have the same letter sent t me if they want to spend money and waste it they can lower my payments i want the letters stoped you have not done your job i have ask you find out why if i send a money order to the company it takes days to get their i am never late, also if i pay on line it takes XXXX to get to thier bank then they say they then wait on a check sent to them XXXX they post my payment this makes no sence do not send me a statement what i have payed that is always what i get do your job and make them have payment sent to only XXXX place i am sure the way they have it set up so they can add late payment to bill i have proof the payment this month got their on the XXXX better not have a letter or call say they did not receive it. every time i complain you send me a letter saying working on it has been many months now if they want to waste money by sending out the hamp info they can lower my payment. do your job and investigate.loan # XXXX thank you.
Consumer complaint received 2015-09-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received inaccurate information from a Bank of Americarepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 BOA charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges. 
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover. 
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review. 

In closing, I would like to thank you in advance for your assistance in this mamatter.
Consumer complaint received 2015-06-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Guidiville Indian Rancheria (NC)

My mother received a voicemail stating that somebody was looking to have me served with court papers and they were going to serve me on my job or at home and a claim number and toll free number was left on her voicemail wanting to verify social security information as well. My Mom called me frantic and upset, scared that I was going to get locked up. XXXX when did these type of third party scare tactics become permissible by companies, associated vendors, or third party collection agencies? XXXX different organizations are involved in this situation an alleged legal courier, a collection agency and the XXXX XXXX shop.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

My complaint is against Rush card. I have not been able to access my money or use my card since XX/XX/XXXX. I 've made multiple phone calls, sent multiple emails, sent multiple messages on social media, and here it is XX/XX/XXXX, and I am still without my money. I 've been contacted by a representative XXXX time, and that was on XX/XX/XXXX, after I was advised to send a direct message on XXXX. The representative had no resolution for me and advised that she did not know when the issue would be resolved. You ca n't get any answers from anyone, meanwhile this has had a huge impact on my life. I have now had to pay a XXXX deposit to my electric provider because I could not pay my bill by the shut off date. Rush card is not providing any help to their customers, and these issues are not resolved as they say on social media.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Retention Consulting Services Inc. (CA)

I called the office to verify why a courier was being sent to my home. Their office informed me that I owed XXXX companies in their office money and that if I didnt pay they would get a judgment against me and get more money than I owe. I let them know that I am XXXX and that I was waiting for a hearing the early part of next year to get an income in so I could pay them but they stated that my refusal to pay now will cost me.they told me to borrow the money and pay them now.
Consumer complaint received 2015-11-27
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (FL)

I have a Credit Card Account with Care Credit/Synchrony Bank. I opened the account XX/XX/2014 to get dental work done. In opening the account, payments were supposed to be received on the XXXX of each month. I set up recurring, automatic payments through my bank. These payments were deducted in XXXX increments to pay a minimum of {$100.00} per month- at times I paid more. After speaking to a Care Credit representative, I was unaware that the payments being sent needed to be sent during the " cycles '' - which at times, varied based on the month. It was a challenge even understanding their representative explain this concept. At any rate, I was being charged late fees of {$35.00} each month they " received my payment late '', but I was still sending my payments every two weeks- just out of the " cycle rhythm. '' I did n't realize how excessive these fees became until reviewing my XX/XX/XXXX statement. They totaled over {$200.00}. I called to try to resolve this issue with the disappointing response of " well there 's nothing we can do since it was your error '', or " we can refund XXXX of the late fees, but the others we ca n't do anything about. '' I could understand this response if I 'd not been making any payments, but it was a simple mistake on my part of not understanding the cycle and sending payments a day or two late. I could n't believe that a company as large as Synchrony would n't allow for flexibility with customers such as myself. I feel taken advantage of and vulnerable- when even the representative had a hard time explaining the " cycle ''. They did refund XXXX of the late fees, but {$35.00} did n't come anywhere close to what I 've been charged. I 'm extremely disappointed because I would not have even applied for this card if I did n't " have '' to get some dental work done that was out of my budget. I 'm trying to pay them as promised, but the late fees I feel are unfair and hard earned money that they do not deserve. However you can help to resolve this issue, I 'd greatly appreciate it.