davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

XXXX is with Ocwen, initially I had gotten behind on one payment. I called Ocwen to attempt to work out a time when I could get caught up. I had the money and would have made three payments to get caught up. They added fees and refused to let me work it out when they calculated my monthly income, which by the way was enough to pay on my loan as I had done for years. I had an incident where I had a family emergency and got behind. I called to let them know I would make three payments set up two in one month and the third being the second month catching everything up. They refused to do that because I did not qualify, then I was told to fill out HAMP paperwork and set up an appointment with a relationship manager. All of this was unnecessary and they were unwilling to work anything out. it was impossible to communicate with them because everyone was XXXX and in another country. I had issues before and requested to speak with someone in the U.S. and that request was never granted. I went ahead and let the payments go because with the fees and them telling me I no longer qualified for a payment arrangement, I put the house up for sale to avoid a foreclosure. So as of XX/XX/XXXX we have been working with Ocwen on a short sale and I hired a realtor. 
Shortly after that we had an offer that we, the homeowners accepted. The offer than went to Ocwen. 
Around XXXX XXXX, they disclosed that we would have to use an auction platform before they would consider approving the short sale- this resulted in us losing the buyer that had been in contract for months. 
Our file went through XXXX rounds of Auctions with XXXX the first and second without any buyers. 
On XX/XX/XXXX Ocwen completed new values and sent this information to XXXX so they would know where to market the property. 
On XX/XX/XXXX we were advised that this XXXX round of auctions resulted in a buyer. We then proceeded to send in paperwork each month for bank approval. We were told in XX/XX/XXXX everything was proceeding nicely and that the principle loan holder, Ocwen, had approved everything. 
On XX/XX/XXXX we were then told that Ocwen declined the file because the offer was too low!!! They were the ones that sent the information to XXXX. See attached. 
On XX/XX/XXXX when our attorney 's spoke with Ocwen they denied sending any " numbers '' to XXXX to market the property, however you can see that they infact did. Then initially when using this auction platform THAT THEY REQUIRED, they said they would pay to do that. Now they are trying to tack on the XXXX dollar auction premium to the buyer 's side. They also stated they did not set the values and that is why they were declining, when they clearly did, and because of that they would not net XXXX-XXXX more than what they are receiving now. 

This file should have been approved months ago
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NJ)

In XX/XX/XXXX my Lowes Credit Card rate on purchases was 24.99 % APR, in XX/XX/XXXX it was raised to 26.99 % APR. When I called about the reason for the increase, the explanation I was given that is was a corporate decision and went into effect for all customers and that it is line with all competitors rates. My Home Depot card is not that high, nor is my XXXX card. I have an issue with this rate as it is only 3 % below the Criminal Usury Statute here in NJ. I will attach statement from XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (DC)

I got notice that a collections was placed on my XXXX credit report by IC Systems. Upon review, I found out that it 's the same account and amount that I had previously requested to be removed from my credit report. It appears that IC Systems has re-reported the same debt after they 've confirmed that it will be removed from my credit report. 

Attached are my XXXX credit report dated XXXX XXXX which shows entry of collections account from IC Systems, XXXX/XXXX/XXXX letter to IC Systems asking them to validate the debt, XXXX/XXXX/XXXX letter from IC Systems stating they will remove the account from my credit report, recent XXXX credit report dated XXXX XXXX showing that IC Systems has reported the same debt for collections. I have sent a dispute to TransUnion for this account. This debt arose from identity theft when my purse was stolen in XXXX XXXX ( in support of this, attached is the police report ).
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Missing One of my major XXXX XXXX XXXX XXXX XXXX card ( credit:XXXX , history : 1+year ) from the TransUnion. XXXX and FICO score are correct. Bank is properly reporting my credit.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (FL)

I am on Social Security and have requested Brand Source ( Citi ) to make my due date the XXXX of the month instead of the XXXX to accommodate my ability to pay when receiving my benefits. They have refused on XXXX different occasions. They are doing this to make me pay the late charge of {$23.00} every month.
Consumer complaint received 2017-02-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander sent me a letter dated XXXX advising me credits of {$910.00} and {$1600.00} would be applied to my car loan account. Despite evidence of payments sent to Santander from the XXXX and a request to have the payments applied, Santander has never provided payment history evidencing those payments were applied. My car loan was paid in full on XXXX/XXXX/XXXX. The reason given no to provide the payment history is I am being represented by legal counsel. This is an inaccurate statement as XXXX/XXXX/XXXX and it is no reason to deny my request for payment history. Initial attempt was a certified letter sent on XXXX XXXX, XXXX of which I have not received a response.
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

I used td bank credit card, it is connect with my TD bank checking account, I realized that i dont have enough money on my td bank checking account and I put my td bnk checking account XXXX XXXX day before payment due date than they charged to me {$35.00} XXXX late payment fee not done, they charged twice XXXX, i called bank at least 5 times nobody could not help i paid already they charge me same balance two times, than they told me everything fine, everything OK after i got mail from TD BANK, they closed my checking account because i owe them XXXX ... i paid my credit card balance, they charge me twice and close my checking account because i owe them money, they broke my credit history
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (CA)

Hello, I just received a notification from my credit monitoring agency that a company by the name of CAPIO PARTNERS LLC has flagged my credit file on XXXX/XXXX/2016 and reported a collection account. I have never heard of this company before today, and had never received any demands by phone or mail regarding same. I called this collection company after I checked my XXXX credit profile today and spoke with one of their associates who immediately started negotiating a settlement, however, I demanded answer as to why they never sent me any mail or phone call me in this regard. The associate repeated the address that they ( supposedly sent sometimes on or about XXXX XXXX 2016 ) and she verified the address the mail was sent to but, that did not include my unit number. My condominium complex has over XXXX XXXX units and that 's the reason I never receive any identifying demand letter, with all mandatory legal disclosures, account information/number, etc. from CAPIO because they failed to put my full and complete address so that my rights would be protected. Then, the associate transferred me to her supervisor, and after several minutes being on hold, the supervisor came on line and immediately started offering XXXX % discount, if I settle the account with the company. I demanded explanation as to why the initial demand letter was not sent to my address accurately. The supervisor began back tracking about my unit number and claimed the associate was wrong and that the unit number was on the address. He tried to cover this up ; Nonetheless, I never received any mail in regards to this claim of debt. 

After my conversation, I feel, this company 's intentions are questionable as they tried to settle the so called debt at the time I was trying to verify who this company is and why was n't I given the due right to review their claim and respond accordingly. This unjust action has caused a XXXX point drop in my credit score today which will immediately impair my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally maliciously to force me to settle a claim which is not proven and will surely be disputed. Another company had filed a claim regarding same and they could n't prove the debt and they threw it out. I do n't owe thus there should not be a flag on my credit profile until the debt it 's proven.
Consumer complaint received 2016-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

I have been on an income-based repayment plan. I submitted my application early for renewal but received no communications. When I called, I was told that they had not received the application from student loans.gov yet and would not for up to a month longer. I waited the month which put me close to the deadline and then called to be told that there was missing information. I had never been notified of this. I submitted the information, having been told that they would expedite the processing so that I would still make the deadline. They did not expedite the information and now I am being told I need to submit more information. I am now overdue with an amount I can not pay. I will have to pay fees and go into forebearance which compounds the problem of high student loam debt. If this was the first time I would consider it a mistake but this has happened every year I have applied for income-based repayment. Income-based repayment is the only way I can feasible afford this payment and feed my family.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have had numerous issues with this company ( Ocwen ). I have XXXX issues now : 1. Ocwen has been charging me an extra {$50.00} per month for no reason. I have asked what this {$50.00} is for, but have received no response. 
2. I have had this loan for years and the payment was always automatically withdrawn from my bank account. Then, suddenly and without prior notice, they stopped making the withdrawal. I was on vacation when the letter notifying me of this was sent. When I returned home, I made the payment. However, they still charged me a late fee of {$140.00}.
Consumer complaint received 2016-10-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

First of all good morning and thank you for taking the time to help me. My issue is with Ocwen, who is a debt collector, supposedly working on behalf of a XXXX XXXX. I know with certainty the product is not regarding a mortgage, though that is what I have been led to believe all along, so am choosing the " mortgage '' option as a default. The product sold to me is more like an installment loan with patents, copyrights and trademarks behind it but that is not what my complaint today is about. 

Regardless of what the underlying instrument actually is on the " mortgage '' account in question, I, a woman, have been trying in good faith to settle the account for quite some time now. Not only is this debt collector engaging in unfair and deceptive business practices, but they also leaked an internal email to me clearly showing collusion and collaboration among their employees and outside counsel. I made a monetary offer to settle and the internal employees ganged together saying this would not be an option and the account in question would accelerate to foreclosure if I did not accept the unsolicited modification they offered me - is n't that like the XXXX asking for a protection payment or something? Sure, the world of debt collection is a dicey proposition but this seems to reach above and beyond fair debt practices. 

I am a reasonable woman, looking for a reasonable solution. I am not interested in more chicanery and deceit with Ocwen or its affiliates. 

I am also attaching a letter from an independent auditor regarding the instrument in question. This may or may not be useful in your investigation of this matter. 

Thank you for your time. I really appreciate it.
Consumer complaint received 2016-06-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (FL)

I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

I had some services with XXXX, i recall when i started services, they where going to spray the outside, any entrance to the house. and also removed any spiders webs on the outside of the house. when the first appointment happen they did n't not do the things they mentioned as far as removing the outside spider webs. to my knowledge there was a pre scheduled for the next three months. they never showed up, supposedly they called. please note this has been a while ago. As of yesterday i got an email that this acocunt was turned in to collections for {$50.00} dollars. i dont even know how they got my SSN #. The collection company is Thunderbird Collections Specialist. i have contact TCS INC, and paid the debt and requested to be taken out of my credit. Now my issue is how did XXXX get my SSN which i do not recall giving it to them. 

Please note, this complaint is against XXXX and not towards TCS Inc.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Texas Guaranteed (TX)

I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion, has failed to update my credit report which is causing me not to be able to rent an apartment. I have a XXXX balance with XXXX aka. XXXX. The balance owed has been paid off for 2 years! Transunion has also been reporting that I was evicted, however I have never been evicted from any home. On-site. which is the screening service used by apartment rental companies are also showing this information which is in accurate.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

This is the follow up from the companies response not providing validation about an account they continue to report. For this company to report the information and not be able to validate the account per the FCRA they should not be reporting anything. The letter they send actually indicated that they did not have proof of the account in question. They did however send a contract on another account that was in question.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2017, I discovered XXXX ( XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2016-04-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

Someone hacked my daughter 's deposit mobile on her cell phone and deposited XXXX checks into XXXX separate accounts. The hackers also did several other transactions with the accounts from grocery stores and various ATMs. The funds from the fraudulent checks were immediately available so the hackers transferred the funds between the accounts until they found an account that they could withdrawal money from an ATM. The bank says we are responsible for the money taken even though we are victims of identity theft. The bank has procedure for customers to file for identity theft and are victimizing us twice. We have filed police reports and reports with the FTC.
Consumer complaint received 2017-02-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Sent them a validation of debt letter asking for original contracts with signatures and they have not complied yet. They took XXXX item off but not the other and I do n't see what the difference is because they could not validate either account. They also have a status of 'pending cancellation ' for their XXXX XXXX
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (IN)

XXXX has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (NJ)

My Mother passed away in XXXX. She had a reverse mortgage. My brother who is XXXX XXXX lived in the property with her when she took out A reverse Mortgage from XXXX in XXXX. The loan officer told XXXX them that who ever is last to die can remain in the property, They would not let my mother do the borrowers education they had the XXXX XXXX XXXX wife do it. My husband and I decided to move back into the property to pay of the 95 % of the appraised value so my XXXX brother would not be homeless. We contacted Reverse Mortgage Solution, they did the appraisal and gave us a pay off. XXXX from Reverse mortgage told us to put the deed into me and my husbands name. So in XXXX of XXXX we did that. We contacted XXXX XXXX at XXXX XXXX to obtain a mortgage to pay the {$200000.00} Reverse Mortgage in full. He told us everything was fine we qualified. He paid us pay XXXX appraisal fees. After 4 months of waiting we were told we do qualify to buy any home but my moms because its FHA and we should not have put the deed in our name. XXXX only did what the bank told us. XXXX XXXX with XXXX XXXX XXXX XXXX, NJ told us we were fine and to just ignore the foreclosure paperwork. Now as of this past Friday we were told we are approved o buy ny home but my mothers?????? because we switched the deed into our name in XXXX of XXXX upon the advice of XXXX with reverse Mortgage solutions. Now we are faced with being homeless along with my XXXX brother and XXXX XXXX XXXX child. I contacted XXXX XXXX office and spoke to XXXX of his aides. He advised me to file a compliant with your agency immediately to stop the foreclosure until this is fully investigated because Reverse Mortgage Solution still has XXXX unanswered copliants from XXXX Office that they failed to respond to. I have at least XXXX pages of correspondence to XXXX XXXX XXXX who then sold the Loan to Reverse Mortgage. The Original letnder was XXXX who defrauded my mother and XXXX brother now we are being misled by XXXX at Reverse Mortgage and XXXX XXXX at XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.