davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (CO)

I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on XXXX. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to XXXX continues to be they are reporting accurately. XXXX has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach XXXX credit reports. 
Thank you for your assistance!
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I moved XXXX XX/XX/XXXX. I did not file a XXXX State Tax Return XX/XX/XXXX as it was not necessary, however XXXX assumed I was still a resident and erroneously assessed taxes and supposedly mailed a notice to my former address which I never received. XX/XX/XXXX I moved back XXXX, and after working for a few months, my employer received an earnings withholdings order to satisfy the lien. This was the first time I had become aware of the lien. I contacted XXXX and was informed the lien was for tax calculated for XX/XX/XXXX tax year. I informed them that I moved XXXX that year. They instructed me to file a XXXX XXXX tax return, which showed I had zero state tax liability for the year. They then released the lien, which is reflected on my credit report, however I have been unable to have the public record removed. The lien was filed in error, and the tax was never due, and has since been corrected in the XXXX XXXX system, yet it still appears on my credit report with XXXX Equifax. I am requesting to have the public record of the lien removed.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

I submitted a request for assumption back in mid XXXX XXXX. I confirmed reciept with Ocwen and I also called to verify that they had a complete package and they said they did. I also followed up on several occassions being advised that I would receive an answer shortly. It has been over two months since I submitted my complete package and today XXXX XXXX XXXX I received a call from XXXX XXXX at Ocwen advising that he needs all updated information and also he requested 2 new items a XXXX and an HOA statement. I advised that these were not requested initially and its now 2 months later and they are asking for new items? Ocwen promptly cashed my check for the assumption and today I am told that my file has not even been sent to underwriting at all.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TN)

I am working with Caliber mortgage to rescind the property foreclosure sale on my home. They did make me a offer to reinstate the mortgage if I paid XXXX XX/XX/2017. 
I requested a mortgage modification though the making Home Affordable Act and they are refusing to modify my mortgage loan I do want to keep my home. I had a previous mortgage modification and Caliber mortgage did n't honor the modification agreement.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

This is the second part to compliant # XXXX I receive this document, firstly I received a escrow review statement that inform me the escrow shortage was XXXX. ( paid XX/XX/XXXX with the monthly payment ), then I was informed by a bank rep that I need to pay another XXXX to bring escrow in compliance so on XX/XX/XXXX another XXXX was paid this should have brought escrow in compliance and keep the mortgage the same. Now I receive this document. I have been told that unless I sign this document I will not be able to keep my mortgage the same even after paying the escrow shortage ... by signing this document I will give Well Fargo the right to review escrow every XXXX months and to make adjustments that will only benefit them.
Consumer complaint received 2016-05-26
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BROKER SOLUTIONS, INC. (ID)

In short, we closed. Everything looked good. our closing statement matched our pre closing docs, requiring XXXX cash to the table. Everything looked good. We are supposed to fund today. 

Yesterday I got an email from our broker asking for a check for XXXX to reimburse him for a credit on our closing docs. I am supposed to make it payable to the mortgage company and post date it. 

His explanation is that they gave us the credit for " advanced escrows '' as a loan and that they expect to have that money returned. They are threatening to hold up funding of our loan and / or redisclose everything, which then postpones the loan at least 6 days and funding another 3 days. 

I feel that this is not only shady and boarderline illegal ( maybe fully illegal ), but it places a hardship on us to have to come up with the money in a hurry. Nothing about this seems right. 

Apparently, he did inform me via email, which I completely missed. I would have said no to the loan at that point if I had seen it. I will include the email chains in the uploaded documents.
Consumer complaint received 2016-09-29
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Aldridge Pite, LLP (TX)

Aldridge Pite LLP an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and XXXX Mortgage has criminally engaged in acts of violence, abuse and harassment physically against the named consumer and her family, household.
Consumer complaint received 2017-02-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NH)

I got a loan from santander consumers usa for 72 months. I have made a late payment. When it was time to make a payment i dont see the late fee along with my current payment. They set kept my principle aside and make me make the payment more on the interest then the priniciple. I was told that i have 5 months to go but pay off is more then 5 months of payment. I have never experienced like this before. I wanted to trade my car but I cant due to the screwed up car loan.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: Santander Consumer USA Holdings Inc. (TX)

I have sent two certified letters to XXXXSANTANDER CONSUMER requesting validation for a debt on my credit report. I never received any evidence that has my signature to prove that the debt is mine. XXXXSANTANDER CONSUMER has not listed this account as " in dispute '' within the 30 day period allowed and their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2015-08-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SECURITY FINANCE CORP (TN)

I was no allowed to apply because I disagreed with their policies from a previous loan. I have had multiple loans there and have never been late. I have an excellent pay record with this company. They just did not like the fact that I questioned them about their policies and refused to allow me to apply for credit.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Business & Professional Collection Service Inc (CA)

Business & Professional collection services is reporting XXXX accts which I paid & they agreed to remove from my credit when they accounts were paid. I 've contacted all XXXX of the bureaus and XXXX has removed the accounts. XXXX & XXXX however are still reflected as a current collection on my credit report. I know this is a violation of the FCRA especially when the company agreed to remove it when it was paid. I 've tried contacting them through normal mail, phone & the bureaus but they are ignoring my requests. Can you please assist me in getting these XXXX accounts removed from my credit?
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I 've contacted Bank of America several times for specific information in reference to mortgage loaner passing away without a will. I was given several steps from gathering an affidavit of heirship and affidavit of small estates from the courts signed by a judge. I 've collected all court documents and submitted all requested information however, still unable to communicate. Every time I speak with a representative, something is different. Can you please assist me or possibly direct me in the right direction?
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I was faithfully paying my mortgage payment from the time, Ditech Financial took over and transfer our notes from XXXX. No missed payment nor late payments as a proof, I can send all evidences of all my mortgage payments in the future. We kept on sending our mortgage checks to Ditect before the XXXX of every month as stipulated from our Deed of Trust, unbeknownst after researching from our bank account 's that our last mortgage check was only cashed since XXXX? We continued to send mortgage payments from XXXX and XXXX and Ditech never cash out anymore those mortgage payment checks we sent to them? I am a XXXX and my work schedules were so hectic besides taking care with my little children. Therefore, I communicated with them through mail immediately. I was asking why Ditech does n't want to cash our XXXX and XXXX mortgage payments checks and they want my homestead to proceed on for foreclosing in which me and my husband will not allowed for any reason. Therefore, we requested Ditech to process our Loan for the Federal Home Affordable Modification Program that is still available until XXXX and until now Ditech is not yet responding from our request until this moment. XXXX had done their abusive collection tactics by their agents in posting notes of threats in front of doors of our home. I am requesting for your good office to investigate the unlawful conduct of on their repeatedly harassing and abusive collections on our property that our members of our family were threatened while we were out of work. They always come inappropriate hours. They always come even after I have communicated Ditech by mail. They repeatedly doing their illegal debt collection practices. I appreciate so much for your cause of helping us under your provision on protecting homeowners as well consumers from Mortgage Companies based on your discretion under Consumer Financial Protection Bureau on Debt Collection Act.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (CA)

I have an Auto Loan with Consumer Portfolio Services that commenced in XX/XX/2015. The balance was {$22000.00} when it commenced and my APR is 14.99 %. My monthly payments are {$470.00}. I made a {$470.00} payment XXXX/XXXX/15 for the XXXX XXXX due date, a {$470.00} payment on XXXX/XXXX/15 for XXXX XXXX due date. I then had a bump in the road and CPS agreed to give me an extension. Next payment not due until XXXX XXXX. Since then I 've made my payment of {$470.00} on XXXX/XXXX/15 and {$470.00} on XXXX/XXXX/15. They are claiming that my balance is still {$21000.00}. I know my APR is high but I 've done the math and they are showing an incorrect loan balance and wo n't fix it. I would like to know what can be done. Also they funded this contract before my Chapter XXXX BK discharge on XXXX/XXXX/2015. Can I just give the car back and tell them to pack sand?!
Consumer complaint received 2017-03-31
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Check Security Associates, LLC (SC)

I originally took out a loan from XXXX. This loan was sold to XXXX who then moved it to Warren Asset Locations. The company 's phone number is XXXX. I sent a cease and desist letter on XXXX, 2017 both by fax and email. I spoke to a women by the name of XXXX on XXXX/2017 that confirmed they had received this letter. On XXXX,2017 and XXXX,2017 I was sent emails. Today on XXXX they called me at work 3 times with in 5 minutes. When someone would answer the phone they would hang up. I have pictures on my phone of the caller ID. Before the letter was even sent I had asked them not to contact me at work or any other 3rd parties. It appears that this company does not follow the laws. This is the second step that I am taking to stop the harassment. My 3rd step will be a law suit.
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (TX)

I am the parent of a previous college student who applied for and was given several student loans by Wells Fargo to attend the University XXXX. I was asked to co-sign the student loans which I did. The loans varied in amounts - usually around {$10000.00} - and the interest rates also varied but averaged about 8 %. 

In about 2013 or so, there was public outrage over the high interest rates that college students were being charged, and so Wells Fargo contacted ME to see if I would be interested in consolidating my son 's student loans with a much lower interest rate. I said of course I would. So with the understanding that everything besides the interest rate would basically be the same - the outstanding amount, the term, and the fact that I would still be a co-signer guaranteeing the loan - I signed and returned the documents that were sent to me. 

During the early years of the loan, my son was still a student and had no source of income. So I paid the entire monthly balance myself. For about two years after he left college I continued to make the entire payments since I was the co-signer. Because I was not the student, however, I was not entitled to any income tax deduction for the amounts that I was paying. 

In the last year, my son has become employed and is now capable of making the student loan payment payments himself and receiving the income tax deductions. So I contacted Wells Fargo and asked that the request for the monthly loan payment be sent to him instead of me. I knew I would continue to the be the co-signer and guarantee the loan, but he now needed the income tax deduction for the payments he would be making. Wells Fargo responded back to me saying that when the student loan was consolidated, I agreed to be entirely responsible for the loan and that my son was no longer responsible for payment. 
I told them that I NEVER agree to be totally responsible, especially for a student loan where I was not the beneficiary ( the student ) and for which I received no income tax deduction for my payments. After discussing this with the Wells Fargo Student Loan people for several weeks, they would not budge and will not recognize my son as the legitament holder and beneficiary of the loan. He was the student, not me. He is entitled to the income tax deduction for payments, not me. Please help.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

My complaint is with Seterus, Inc. For 3 to 4 years my mortgage account statement has had multiple errors ranging from misapplied payments to inaccurate interest, principal and escrow amounts. In the pass 5-6 months I have received 3 different mortgage payments. I have called Seterus and spoken to their representatives. They all say a review will be made on my account and yet I continue to receive erroneous statements. The mortgage payment is wrong, misapplied payments still exist and my monthly payment continues to rise every year even with a 3.9 % fixed interest rate. And every year Seterus claims it is due to taxes. With my previous mortgage companies this did not occur.
Consumer complaint received 2016-04-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (MD)

XXXX has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against Mariner Finance with the Maryland OAG admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to XXXX numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$290.00} for goods not received/counterfeit in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$99.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Dispute XXXX was submitted for XXXX transaction on XX/XX/year>. PNC failed to issue provisional credit after investigation lasted longer than 10 days in violation of Regulation E, and in violation with my account terms. 

Bank should have issued provisional credit after 10 days of having their investigation opened.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Integrated Recovery Services (TX)

I received several calls yesterday ( both resulted in voice-mail messages ) from someone who said he was " XXXX XXXX '' with Integrated Services yesterday. He said they were XXXX claims/charges for " bounced checks '' associated with my previous/now closed, bank account and that Integrated Services is getting ready to come to my place of business and issue the summons to me. He indicated that he knew this would be very embarrassing and costly to me and that in order for him to not proceed with that action I needed to contact him back immediately to make arrangements to pay him what I " owed ''.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing , LLC has violated RESPA 12 CFR 1024.17, Improper aggregate accounting in connection with the escrow account. On XXXX XXXX, 2017, Ocwen Loan Servicing , LLC, provided me with an " escrow '' analyzes statement. Page XXXX of XXXX reflects that Ocwen loan Servicing LLc collected {$480.00} towards the Flood insurance policy. The amount of {$480.00} is incorrect. Flood policy reflect the premium to be {$260.00}. Ocwen collected a higher amount seeking to pocket the difference. Thus, according to the insurance agent ( XXXX XXXX XXXX ), the flood policy was never paid by Ocwen Loan Servicing , LLC . This means that i was without flood insurance policy for an entire year while Ocwen Loan Servicing , LLc collected the amount from the escrow and failed to pay the insurance company. 

Page XXXX of XXXX, of the escrow analyzes reflect that Ocwen Loan Servicing , LLC collected the amount of {$3600.00} towards the Hazard insurance. Please see the attached Hazard Policy. The record reveals that the insurance policy premium to be {$2600.00} and not the mount described in the escrow analyzes. 

Ocwen Loan Servicing , LLC has committed fraud upon the escrow account
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

You have failed to respond to a certified letter date XX/XX/2016. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AP)

I am XXXX Military person ( Family ) who 's tried to have a loan modification and/or a short sale through both of my mortgage companies OCWEN and XXXX XXXX over the last few years now!!! We have suffered nothing but heartache, stress, hardship and financial burden with over a year and a half of trying to get approval for a short sale on my residence and losing Two potential buyers, I have provided everything that has been asked for and all paperwork each time!!! Many times the same paperwork again and again!!!