davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We purchased a home on  XXXX / XXXX / XXXX  and with the mortgage financed through  XXXX ,  XXXX . The loan was sold to  Ocwen Loan Services o n  XXXX / XXXX / XXXX . In  XXXX  of  XXXX  I received a letter from  Ocwen  stating that there was an escrow shortage of {$170.00} and a coupon asking for payment. Called  Ocwen  asking why there was a shortage but they could not explain why. Said said that an audit was done and it came up short, not because of taxes or insurance going up. Didnt know why, but I have to pay it..     My original loan payment with   XXXX   was {$1500.00}. In  XXXX   XXXX  Ocwen increased it to {$1600.00} and in  XXXX  they increased it again to {$1600.00}. No letter was sent to me notifying me of a payment increase either time. Again I called them and was told the increases were due to the escrow shortage that they still are not able to explain to me. After the increased payment for  XXXX  was paid, they still told me that the escrow shortage balance was {$170.00}. No reduction.     Due to a recent financial hardship, I submitted loan modification paperwork to them on  XXXX / XXXX / XXXX . All the documents that they requested were mailed to them, including bank statements, tax returns, income verifications, Social Security numbers and the completed application. The Relationship Manager assigned to my case was  XXXX   XXXX . He told me that documents ( which I had sent ) were missing and that I needed to resend them, which I did. Sent him an email asking that they need to be located and to check with the person that opened the package and entered the info in their system. No reply. Several days later they told me they had received everything and they would let me know the progress. They also told me that they had good news that another audit was done and now theres an escrow surplus. A check for {$240.00} would be mailed to me. Then next time we spoke there was conveniently no record of that conversation. And no check was mailed. They also told me they were again missing the same financial paperwork that I have been resending  . Sent Ocwen an email ( attached ) regarding these issues and again, no reply.
Its a disgrace that the consumer has no say in loans being sold and taken over by companies like Ocwen. Amazing how many Ocwen   complaints are on your website and yet they are still in business.
Consumer complaint received 2017-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (IL)

On  XXXX   XXXX ,    2017 I m ade an online wire transfer from  Citibank N.A.  to  XXXX   XXXX   XXXX   XXXX ,  XXXX  for the amount of {$3000.00} the transfer fee was {$35.00} in total {$3000.00} dollars were debited from my account.      The exchange rate : US  {$1.00} =  XXXX   XXXX  Transfer Amount :  XXXX   XXXX  Other fees :  XXXX   XXXX  Total to Recipient :  XXXX   XXXX  Date of Availability of Funds :  XX/XX/2017    Confirmation Number :  XXXX  My wife went to collect the funds, but instead of receiving the transferred amount she received  XXXX  pesos less. I would like to find out what were the fees and taxes charged, if any.
Consumer complaint received 2017-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (FL)

XXXX  's client  XXXX   XXXX  ; was notified  XXXX   XXXX  that his information was used to established a credit card wit h Chase, th e card had a balance of  XXXX  dollars on the account.  XXXX   XXXX  was contacted by t he Chase fraud  department once the account was established and was told at that time the account would not be reported to the credit bureaus. In  XXXX   XXXX  the fraudulent Chase account was found to be reported with all three credit bureaus and a dispute of ID theft was mailed certified mail return receipt to Chase and was signed for by "  XXXX  '' on  XXXX   XXXX   XXXX  ; this dispute included a POA, police report, demographic information and FTC fraud affidavit notarized. In  XXXX   XXXX  another credit report was ordered and once again the fraudulent Chase account was still showing this time with a late payment status ; a second dispute of ID theft was mail ; same as previous. This time the information was received  XXXX   XXXX   XXXX  and signed for by "  XXXX   XXXX  ''. No attempt to make contact with  XXXX   XXXX  was ever made by Chase concerning the reinvestigation of this fraudulent account either time disputes were sent. As of this morning  XXXX   XXXX   XXXX  this fraudulent account was sent to a collection agency . Chase  knowingly violated the FCRA and has violated the rights of my client by failing to properly reinvestigate a known fraudulent account and remove the information. In addition we attempted to conference call Chase about this issue and were advised " no information was on file concerning this dispute. '' We were told this AFTER I confirmed the return receipt showing Chase has the information for dispute.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (IA)

Seterus has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule, Seterus proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I had a debt of {$1000.00} from  XXXX   XXXX  when I had to move out of the apartment earlier to move to another state, job related. I thought I paid my final payment.  One ye ar later, I found out {$1000.00} was sent to collections. I settled with  XXXX   XXXX  &  XXXX  for {$700.00} in  XXXX     2015.  2 years later, I now find out that a {$360.00}  ( d ifference of debt owed and settled ) is in collections at National  Credit Systems. I have sent National Credit Systems th e letter saying it was settled and closed, they will not close it out. NCS is saying it was a {$360.00} termination fee sent from  XXXX   XXXX  into collections  XXXX   2015   ( c oincidentally 6 months after first settlement ). I called  XXXX   XXXX  and there was never a {$360.00} balance sent. It was only {$1000.00}. I 've attached the letter saying that the debt was settled. This has now prevented me from renting an apartment complex because it is showing up that I still owe the complex. I settled with the collection agency as soon as I found out about it. The {$360.00} is the difference and nothing more.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I had medic al Insurance an d they refused to take down information. I was on public assistance and I had a government issue insurance in  XXXX , PA   XXXX   XXXX    DOB   XX/XX/1971    PA address   XXXX   XXXX   XXXX   XXXX   , PA  XXXX
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NH)

I agreed to a  XXXX   XXXX  payment for m y credit score and was signed up for a subscription. There tactics are deceiving and extremely difficult to undo. I had to make three very long calls in order to reach them and they refused to refund my money for something I never wanted. They make it seem as though you are agreeing to a one time payment when in fact it is a subscription.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I was a victim of Identity theft. I submitted my documentation : ID verification in the form or Drivers License, Social Security Card, Utility Bill, a copy of my FTC Identity Theft Report, A copy of my City Police Report and the accounts listed that I did not Open or was responsible for. My Attorney made me aware of the 4 Business day requirements that the Bureaus must comply by when theft is involved so I sent next day Certified Mail and even enclosed a copy of that law from the FTC. XXXX was the only Bureau that complied with the legal requirements to block this information. They did it in One Business Day. I have continued to have problems with both XXXX and Experian during this whole Nightmare. They send delay messages saying " they need more time to investigate. '' I have my tracking information with dates they signed for my last round of disputes. I am requesting your help in filing Suite against both XXXX and Experian for failure to block this harmful information from my credit files and failing to comply with the law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have tried telephone calls but they are routed to a call center in XXXX I believe and the language barrier is impossible for me to get any resolution.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (SD)

On  XXXX   XXXX   XXXX , I went online to find a Finance company  and chose New American Funding,  I paid the {$650.00} appraisal fee and was than told " they could not find a n appraiser that would drive out this far. '' I told them that was odd since I was only 28 miles from the largest city in the state and sit in the middle of three major towns. Then they told me that the apprais al fee had gone up to {$1000.00}, I protested this, changing the price after the deal was done and paid for already, so they said the extra would be added into the loan. At this point I said OK lets just get it done. On  XXXX   XXXX ,  XXXX  they finally did the appraisal, Then at the end of  XXXX  I was informed  that the appraiser was not certified to do the type of appraisal they needed and that a new appraiser had to go over it and sign off. Unfortunately no appraiser wou ld sign off so a new appraisal was done, that was done on  XXXX   XXXX ,  XXXX  if memory serves me correctly. After that I kept calling and was told that it was sent in for approval and it would be any time now. Since then it has been and endless string of phone calls and emails with nothing happening. The first loan officer  XXXX   XXXX  turned my loan over to  XXXX   XXXX  after I first mentioned I was considering contacting you people, he than told me they needed more information from me, even though  XXXX   XXXX  had assured me that I had done everything needed and it was only a " paperwork hold up '' but any way had had the papers emailed to them with in a few hours of the request. That was  XXXX   XXXX ,  XXXX . On the  XXXX  I informed them I would be on vacation from the  XXXX  of  XXXX  to the  XXXX  of  XXXX  but that I would have my phone and laptop with me so I could be reached at any time.  XXXX   XXXX  called me on the  XXXX  of  XXXX  and said he expected to hear some thing any time now The file was sent to an underwriter for final review on the  XXXX  of  XXXX . And here it is  XXXX   XXXX  and I have had no word of any kind. I have repeatedly told them how frustrating their lack of communication is and I do n't know how to proceed. Any help would be Appreciated.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo has disabled  my ability to make my loan payments online. This complicates the payment process and can lead to late payments. There is no reason that my ability to make online payments should  be disabled. I  have NEVER had an online payment be rejected.     This is clearly an effort to make it harder for me to make my payments so that they can accelerate the forclosure process.     They have also offered to allow me to make a payment in a lower amount, but refuse to clearly define how this altered payment will be applied. They expect me to give them money with absolutely no knowledge of how it will be applied. They tell me that these payments will get me set up to a new payment plan which they also refuse to define. It is completely unacceptable that a bank be so ignorant and secretive about my money.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NY)

Upon careful review of all  XXXX  credit reports I found a company named CONVERGENT OUTSOURCI listed in my reports attempting to collect a debt on behalf of  XXXX .     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ocwen h as overcharged me in the amount of {$110.00} on my mortgage account statement, dated  XXXX / XXXX / 17 , that claims to be for a property valuation expense, mortgage account statement attached. I have never requested, nor consented to, or ever been given any advanced notice that there would be such fee/charge for a property valuation expense. Where did this fee come from and why am I charged for this? Please correct this error immediately and send me a confirmation of the correct notice.     I look forward to your prompt response.
Consumer complaint received 2019-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

My loan company is Navient, and as we know already Navient has had some serious issues in the repayment aspect of student loan borrowers. Navient has only tried to contact me through my school email, never once sent anything to my home address ( as they legally should ) and never once contacted me on my phone. They actually stated on the phone call that they had my sisters number as a contact because they only reach out to those that may have contact with me, but she never had any loans through them. 
The only reason I finally reached out to them was because I take my credit score very seriously, and learned of " serious deliquences '' that happened to be from Navient. 
I have another loan company, XXXX, who has contacted me and sent information home, in writing, to help with every step of the way, from deferrment to repayment. 
I am not asking for loan forgiveness, but I believe that Navient purposely hid this loan from me in order to have my interest shoot up, and in turn hurt my credit score, which hurts my personal life all for their gain. 
Lastly, on the phone they pushed for me to go into forbearance as they had with many people in their case in order to help them gain money. 
I did so because it seemed to be my only option and it was before I read up on the case against the entire company. 
I would like the interest forgiven and for them to put my payments back into a constant payment plan, and I need your help.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

To whom it  may  I  XXXX   XXXX  am a customer with Ocwen Loan Servicing LLC. I was approved for a modification  Loan over two  years ago. I got approved for a new modification with the same loan in   XXXX   XXXX  . My first payment was due in   XXXX   XXXX    The payment was made in   XXXX   XXXX  .When it came time to make the  XXXX  payment  Ocwen  would not expect my payment because they said my dates were wrong on application but the modification had been approved in   XXXX   XXXX   Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on   XXXX   XXXX  ..
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.