davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Years ago, my mortgage was sold to Ocwen Loan Servicing , LLC . On XXXX XXXX, 2014, I received an official letter from Ocwen Loan Servicing , LLC confirming my successful enrollment in its Automatic Clearing House ( ACH ) program. This letter was in response to recent efforts intended to ensure payment of my monthly mortgage while I was on international travel beginning XXXX XXXX, 2014, and without access to regular mail or telecommunications. 

Upon my return to California on XXXX XXXX, 2014, I checked my credit score using the mobile application " XXXX XXXX '' as I regularly do. It was then discovered that my credit score had dropped significantly. Further investigation resulted in the following discovery : Immediately, I contacted the company to resolve the issue. After literally hours of miscommunication and misunderstanding with the company 's horrendous XXXX-based call center, it was discovered that, contrary to what was stated in their official letter written to me, Ocwen Loan Servicing , LLC had failed to enroll me in their ACH program. It was also discovered that the company had failed to notify me of this failure. It was admitted that the company had made no attempt to notify me of the failure by regular mail, electronic mail, or telephone. Fully admitting their blunder, Ocwen Loan Servicing , LLC agreed to wave all associated late fees. Further representing my level of responsibility and good faith, I then paid the entire remaining three-month balance in full during the same conversation. 

Still, somehow, this catastrophic malpractice resulted in the reporting of a 60 day late-payment notice to the XXXX major credit bureaus. I pleaded with Ocwen to contact the XXXX major credit bureaus and remove the unjust blemish from my credit score. I was told to submit a case to their credit reporting department, which I did. This process was painfully inefficient and wildly confusing. Two-weeks later, I finally received a thick packet of fine print ultimately explaining that Ocwen was refusing to remove the credit blemish. 

It is unjust that XXXX be subject to the incompetence and deceit of a company for which they had no choice of the matter. This is especially true when concerning a repulsive and scandalous company like Ocwen Loan Servicing, which has been subject to XXXX dollars in fines as the result of multiple lost lawsuits for blatantly lying to and deceiving the public.
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SQUARETWO FINANCIAL CORPORATION (HI)

I spoke with XXXX people at Cach LLC. The XXXX was a man who was very threatening and said my husband would go to XXXX, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc. (MD)

ClearSpring Loan Services is reporting I owe a debt of {$950.00} on my credit report. This debt was recently taken off of my husband 's report, but not mine. Thus, I am writing to get it removed from my credit report. The company stated this debt was a result of a foreclosure in XXXX Virginia. However, my research unveiled by calling the county clerk 's office of where the property was located ; they stated the bank bought back the property for what was owed on the mortgage, thus resulting in no debt. I reach out to the debt collector many times to give me more information about the debt they claim to have. They agreed they would provide me a breakout of the debt on numerous occasions, but they never did. Each time, I kept getting letter after letter, with no breakouts. They kept making empty promises, and they continued to harass my husband saying that we owe this debt. We received a notice from them stating this : " As required by Section XXXX of the XXXX Virginia Code, ClearSpring Loan Services XXXX Inc. is required to notify you of the following information concerning the account referenced above : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX - XXXX MRT Deficiencies can not sue you for it and XXXX - XXXX MRT Deficiencies can not report it to any credit reporting agencies. '' Even after receiving this notice, they are still trying to collect this debt and it shows up on my credit report. My husband did everything we could do in terms of researching any debt and requesting the breakout of what this debt is for. I am writing because even though recently the debt was removed from my husband 's credit report, it is still on mine. I would like them to remove this debt, as there are huge question marks on the validity of this. Please help get them to remove this from my credit report.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

Ocwen reported information wrong to the credit agencies and caused me to be rejected for my refinance transaction. The account was paid in full in 2010 and they have not reported a XXXX balance or payment history to XXXX. The lender is treating the account like a foreclosure. XXXX has called Ocwen and I have called Ocwen more than XXXX times and they tell us they will e-mail us the payment history and proof XXXX balance and they never do. Now I am unable to refinance even though my credit scores are above XXXX. I am being rejected due to Ocwen reporting incorrect information to XXXX and they have negelected there resposibility to provide me the borrower the payment history or even proof XXXX balance. They outright lie every time. From XXXX XXXX until XXXX XXXX they have told me I would receive documentation by e-mail within XXXX business days. I am still waiting.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (OH)

Two years in a row, Roundpoint MortgageServicing Corporation forced placement for insurance on my property even though I had insurance coverage in place throughout that time and repeatedly sent copies and had my insurance company send copies. I 've had a total of XXXX documented phone calls, faxes, and letters to Roundpoint during the last 18 months and they have ignored my request to make this right. Each time I 've talked to someone in customer service, they have assured me that they have everything needed and that they see my insurance was in place during that time. I asked repeately XX/XX/XXXX for them to refund the amount they were escrowing since they did not need to force insurance since my was continually in place. They say they can see that they had proof of insurance, but will have to have the escrow department review and contact me. Nothing ever happened. When they forced insurance again beginning XXXX/XXXX/XXXX, I sent them a letter ( attached ) asking for immediate action for this fraudulent action. They just notified me that they will not escrow money for XX/XX/XXXX and have cancelled the forced insurance for this year. No mention of the prior year was given and my call to them gave the same result ( " I can see you had insurance in effect and we have what we need, but I ca n't take action ... '' ). 

I appreciate your help with this.
Consumer complaint received 2015-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (FL)

This debt is not mine. I have a son with a similar name thatwent to this XXXX, I have never gone to this dentist. I am a XXXX year old man the patient is XXXX, I dont live with him, have a different address etc ... 
Why am I responsible for his medical bill
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX Bank is reporting as the original creditor on my credit report and this company is out of business and have been since XXXX. This is a collection company posing as the original creditor. The last delinquency was in XXXX and now they reported a payment being delinquent in XXXX. This collection company is playing games with the law. I have not been delinquent on any accounts in the past 4 years. How can a collection agency pretend to be the original creditor. I want right to sue.
Consumer complaint received 2015-04-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BMO Bank, N.A. (MO)

I purchased a piece of luggage from XXXX and the XXXX use of the new luggage resulted in the luggage being damaged. It was a large hard-sided shell and the shell was cracked beyond repair along with XXXX of the wheels being pushed up into the luggage to where it was unstable. I took the luggage to a XXXX authorized repair facility and they stated that it was damaged beyond repair and that it would not be covered by the XXXX warranty. The XXXX Warranty only covers manufacturing defects or damage and states it does not cover airline mishandling. I called XXXX to resolve the issue because this was the first use of their product and I believe they have a manufacturing defect in that they have not designed the luggage to withstand well know rough handling within the industry for which their product is designed to be used. This to me is an implied use warranty. XXXX refuses to credit my card, although they have sent an email indicating that if I want to send the damaged luggage back to them that they will re-evaluate my claim, but the luggage must be sent at my expense and for which I will NOT be reimbursed, even if they ultimately agree that the damage should be covered. I have gone to XXXX and USPS for shipping estimates and due to the large size of the luggage, it will cost me a minimum of {$60.00} to ship it to them for their evaluation. I then contacted my bank to open a dispute to have the amount credited back to my debit account, and the bank BMO Harris, has refused to do anything. Their position is that because the issue is not involving fraud, that I had no dispute that they could assist me in curing. I do not understand this policy as there is no other recourse for me to attempt to recoup my money without having to prove the airlines mis-handled the luggage, which THEY will require me to prove. This is extremely frustrating, and I would like to complain about the refusal of the bank to attempt to resolve this dispute for which their access device was used, as well as I 'd like to complain that XXXX can not simply disregard the fact that their product is not manufactured to withstand known aggressive handling within the industry for which their product is primarily intended to be used.
Consumer complaint received 2016-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (FL)

Sallie Mae continues to call me at my place of employment. I work at XXXX and they have called over 4 times and have been asked to stop numerous times. They were asked to take the number off the list and continue to call threatning my job!
Consumer complaint received 2015-04-27
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 XXXX : NOT XXXX RECEIVED LETTER FROM YOU XX/XX/XXXX WHATIS ITGOING TO TAKE YOU PEOPLE TO UNSTAND I DO NOT OWE XX/XX/XXXX PAYMENT IF SOME ONE WOULD LOOK AT THE NOTE THEIR IS ONE SAID I HAD PAYED A EXTRA PAYMENT NONE DUE IN XXXX. I SPOKE TO A LADY WHO CONFIRMED IT WAS NOT DUE, JUST GOT ANOTHER LETTER TODAY RE : HAMP-HOME INSURANCE I RECEIVED A LETTER FROM BAYVIEW SAYING INSURANCE GOING UP AND IF I WANT TO DISPUT IT SEND A LETTER I DID ON XX/XX/XXXX-HAS MY ACCOUNT # -STICKER WITH MY NAME ON IT-WHY CA N'T YOUR DPT DO YOUR JOB AND TAKE CARE OF THE PEOPLE WHO PAY THE PAYMENTS : ALSO THE BAYVIEW CALLS ME ON XX/XX/XXXX SAYING NEVER RECEIVED SEVERAL PAYMENT NOT TRUE I HAVE PROVIT MONEY ORDER THEY WERE CASHED ASK THEM TO CHECK IT OUT ALSO WHY WOULD I DAMAGE THE MODIFACTION THAT TOOK 2YRS TO GET EVERY SENCE XXXX TOOK OVER IT TAKE 4DYS TO GET TO THEIR BANK WHICH I HAVE PROVE ALSO BUT THEY SAY AFTER IT GET TO A BANK THEN THEY WAIT ON THEIR CHECK WHICH MAKES NO SENCE WHEN I SEND MONEY TO FLORIDA IT ONLY TOOK 3DYS NO PROLEMS DO YOU AND BAYVIEW LIKE SEEING PEOPLE LIKE ME WHO WORKS HARD TO KEEP BILLS ON TRACK AND NEVER LATE DONOT CARE WHAT THEY SAY DO YOUR JOB AND MAKE THEM FIX IT I HOPE SOME DAY THE GOVEMENT FINES YOUR COMPANY FOR NOT TAKEING CARE OF THE PEOPLE YOU COMPLAINTING ABOUT.BAYVIEW LOAN IS-XXXX-IF I DO NOT GET ANY WERE WITH YOUR COMPANY I WILL TRY HIGHER UP WITH XXXX XXXX OFFICE -OR ON TV/RADIO I AM NOT JOKING.PLEASE HELP ALL I AM ASKING THAT YOU DO YOUR JOB.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have an escrow account with my mortgage. I received a cancellation notice of my homeowners insurance and called the escrow dept and they stated they had no record they were to pay the insurance. I had slipped through the cracks\!! They ended up paying XXXX annual premiums. Then my property taxes were due and I was assured my taxes would be paid. However, it created a major deficient in my escrow account. During that period, they did an escrow review and notified me XX/XX/XXXX, my payment was increased {$100.00} in XX/XX/XXXX- not even XXXX days notice. My payment does not need to be increased. It was only because of their error the mess was created. Their mistake and I am penalized. Then I received another notice my payment would be increased {$100.00} in XXXX, 2015 to correct the escrow account. The insurance company is to return the overpayment to me but I have not received it. As soon as I receive it, I will correct the deficit on the escrow account. In the meantime, the company has sent me the statement for XXXX, 2015 adding an additional payment of {$45.00} I presume is for the escrow account. I am informed that when the deficit amount is brought current, I can request to eliminate the escrow account which I plan to do. But what do I have to pay until then? Not my mistake and yet I have to be penalized. Customers who have not missed a payment nor been late with any payments, should not be treated this way. They violated the rules and are trying to make themselves look blameless and blame the customer.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them of {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing of {$1200.00} I never owed that much on the card. This is inaccurate all around!
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CO)

8 years ago I rented a house in XXXX as I married a woman from the XXXX and waiting for her to come here with her XXXX kids. So for entertainment, I signed up with XXXX XXXX. I signed a form for items that I wanted with XXXX, They did not fulfill the contact and would not. So after a week, I told them I no longer want XXXX and had them come out an uninstall XXXX. I paid for the whole month, though I only had it for one week. 
After about 8-10 months, they started sending me bills and calling me. I told them several times that the contract was cancelled and they got paid for XXXX extra weeks that I did not use XXXX. This went on for three years. 

5 years ago, I got a call from my bank and asked me if I had authorized XXXX to take {$750.00} from my account. I told them know, that I knew nothing about it. I filled out some forms from the bank, had to cancel my debit/credit cards and get new cards. The bank got my money back from them. I just ca n't believe they can go into anyone 's bank account and steal money. It is amazing that the XXXX government allows them to do this. Very dangerous as many people have let them draw money to pay their bills. 
So now my money goes to a collect agency XXXX and they start harassing me. It also goes on my credit report. 
We live in a small town in XXXX and want to move XXXX miles XXXX of where we live now into a bigger town. It took us a month to get a house because as soon as a house hits XXXX, they are gone within a day or XXXX. We found XXXX, XXXX day after it went on the market. But because of XXXX we were told we had to pay them before we could get the house. Even though I do n't owe them money, I went ahead and paid it. Even though I paid it by credit card, that does not assure us of getting the house. They said it would take XXXX days for the card to go through. Then XXXX will send me an email that it was paid. The property management people said that they will consider it once they get the confirmation letter faxed to them that it was paid. So because of Money I do not owe, because of XXXX and XXXX We may have lost a house that we so need and want. Plus it will stay on my credit report for a year after I paythe money. How can this happen?
Consumer complaint received 2015-04-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Retention Consulting Services Inc. (OR)

Company called named Regency Capital corporation. 
XXXX XXXX called saying he has been obtained to deliver legal documents no later than XXXX on Wed, that will require my signature. He stated the county requires he deliver these documents to my residents and if I was not there they will go to my place of employment for signature. They stated I will need identification for there purposes. 

I called the company back. The company said they were not a debt collector but they still said I could pay them in order to stop the thing from escalating. I never received anything before from this company stating I owed them money. 

I asked for them to send me something in the mail that stated what I owed and why. He kept asking me for an email, and did not want to send anything in the mail. I finally got him to take my address. at which point he said he would send me a letter. 

I then asked him for his address. He asked me what I needed it for. I told him it was to send a validation letter. He said they do n't give out there address over the phone and that it would be on whatever they mailed to me. I was persistent and kept asking for it. Eventually he almost whispered it to me over the phone. 

I couple of things to note. He said they were going to sue me if I did n't pay. I believe this is threatening legal action. which I do n't believe is legal. 

They never stated they were a debt collector, yet would still take my money if I had agreed. They are also threatening to come to my work, which I hope is not legal.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My wife and I have owned and occupied a XXXX home property in XXXX since XXXX. In XXXX we experienced a loss of income that caused us to fall behind on our mortgage payments. Our income improved in XXXX and XXXX to the point that we became eligible for potential loan modifications. In XXXX XXXX, after making the XXXX XXXX trial payments, we were approved for, and successfully executed a loan modification agreement with the lender ( Select Portfolio Servicing , Inc. ). In XXXX XXXX our lender sent us a new loan modification application with different terms including a higher interest rate structure in future years, and with no explanation as to why they were sending us the new, and unsolicited application. We called the lender and were told it was probably a mistake. By XXXX XXXX we began receiving notices that we were in default of the original mortgage ( as if the loan modification never occurred ), although we had continued to make all required loan modification payments. We escalated the matter with the lender while continuing to make the required payments until XXXX XXXX because at that point the lender was requiring higher payments than allowed under the existing loan modification agreement, and they threatened foreclosure if we did not pay the higher amount. At that point we began withholding additional payments and have instead held those payments in escrow. In XXXX, the lender alleged for the XXXX time that the original modification was never implemented because of some error in calculating the escrow balance for the account. This is the XXXX time they ever gave us any explanation or indication as to what happened to the fully executed loan modification agreement. The lender is now moving ahead with its plan to foreclose and refuses to honor the terms of the original loan modification executed in XXXX XXXX, through no fault of our own.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

I have sent the attached letter and attachments to each of the credit bureaus, XXXX, and XXXX XXXX XXXX, original counsel for XXXX and the law firm that sent me the copy of the Release of Deed of Trust. My letter explains my issue which is the outstanding balance for a short sale that occurred and was closed in 2010 still remaining on my credit report. I have recently been turned down for a loan due to this remaining balance appearing on my credit report. I spoke to one of the credit bureaus and they said I had to contact the lender because they only report what they have been given by the lenders. I am now working with another lender to approve a construction loan for me and they have indicated that I may need to get an attorney. I would prefer not to incur this cost or time delay and therefor I am filing this complaint.