davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (DC)

OnXXXX XXXX, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( XXXX XXXX ) on XX/XX/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from XXXX/Tax Information ( that listed my employers for two years ), pay stubs ( that listed my current income and employer ), bank statements ( that also listed income from my employers ), and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on XXXX XXXX, 2015, which I had over XXXX credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached ) to the loan officer for her to analyze as stated in their application process prior to receiving a pre-approval letter onXXXX XXXX, 2015 and XXXX XXXX, 2015 for different loan amounts ( please see attached ). They also made false statements regarding my previous employers. Further, to justify their false letter to the Consumer Financial Protection Bureau, PHH Home Loans , LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the XXXX 's and XXXX 's and incorrect credit information, which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans , LLC has intentionally provided false statements to Consumer Financial Protection Bureau just like they provided false statements and misrepresentations as to why they denied my home loan. 

PHH Home Loans also stated in its XXXX XXXX, 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines, which do not state this at all. Once again, PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans , LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race, then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( XXXX XXXX, 2015 ) that they are refusing to allow me to have based on their false information, which had caused me to be homeless.
Consumer complaint received 2015-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I experienced a change in employment circumstances and am earning less than I have in the past. In response to this change, we applied for a HAMP Modification through our mortgage servicer - OCWEN - on XXXX/XXXX/2015. We took this step because we know that our new gross monthly household income puts our monthly mortgage payment at more than XXXX % of our monthly take. 

After applying, OCWEN requested additional documents every 2 weeks or so. On several occasions, the request was for documents that had already been submitted previously. This morning, some 10 weeks after our application, OCWEN denied our request for a HAMP Modification, saying that our mortgage payment was already less than XXXX % of our gross monthly household income, and thus we do n't qualify for the program under Federal Guidelines. 

This is not the case. 

When I pressed the representative for OCWEN on what numbers they used to determine our eligibility, he told me that they calculated our monthly gross household income at {$XXXX}. We have never made this much money. 

In our application, we provided details and documentation for our gross monthly household income of {$XXXX}. Our actual income is somewhat less than this ( details provided in the documentation attached ). 

It is our contention that OCWEN is employing stalling tactics - asking for duplicate documentation, taking excessive time to process submissions - and later using fictitious figures for calculating gross monthly household income with the purpose of denying a HAMP application and charging late charges and property inspection fees in the interim. 

The result is that we have been charged hundreds extra in fees, and are now closer to foreclosure with a reduced ability to cure the default by alternate means ( i.e. a forbearance repayment plan ). 

We understand that in a foreclosure scenario, OCWEN would have a claim against the proceeds of an auction sale for any amounts owed in fees, and that this is what animates their engaging in stalling tactics and fraudulent denial of our HAMP Modification application.
Consumer complaint received 2017-02-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX, XXXX we, XXXX / XXXX XXXX, received a letter of debt forgiveness for our Home Equity Line of Credit. In which, XXXX, called to verify and proceed forward ( All documents are attached ) We received a the XXXX for XXXX Tax Year for XXXX / XXXX each from Bank of America. 
We are in the closing process of selling the home that is located on XXXX XXXX, XXXX, prior to foreclosure date of XXXX XXXX, XXXX. When the title company for buyer found out that Bank of America has a lien on the house, XXXX has been in contact with Bank of America. Spoke with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Bank of America is stating that XXXX opt out of the Debt forgiveness, when in fact, she did not. 
By our understanding, the letter we first received XXXX XXXX, XXXX is part of the Dept. of Justice Lawsuit and is considered a zombie debt and can not come back for debt. 
In contacting Bank of America, they are now stating that we owe back interest of the amount of {$11000.00}. There has been no contact from Bank of America since XXXX when we were sent the original letter
Consumer complaint received 2016-09-20
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MD)

From XXXX/XXXX/16 thru XXXX/XXXX/16 I have received 38 phone calls from a company that identifies itself as Student Assistance Corporation. 

On or about the evening of XXXX/XXXX/16 I answered a unidentified call that instructed me to contact their office on the next business day. I researched the number left on my phone and identified that caller as Student Assistance Corp. I called their office and inquired as to the reason for the call. I was told that there was no reason that my account was current and the call was ended. 


On XXXX/XXXX/16 I received 4 calls, when I spoke with one of their managers I was told that they did not know why they were calling me, but since they had me on the phone could they confirm some information ( my contact information ) I complied and ask that in the future they correspond with me thru the postal system. I then contacted Navient to inquire as to the reason for that calls, they claimed that they did not know of a reason for the calls as my student loan account is current.I repeated my request that they use the postal system for future correspondence with me. 

XXXX/XXXX/16 I received 5 calls.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a collection account from XXXX XXXX systems # XXXX. The address stated on the report is XXXX XXXX, XXXX, Texas XXXX. Phone number XXXX. This was for an XXXX charge at XXXX XXXX XXXX XXXX. I Called XXXX XXXX and they stated I do n't owe anything, my balance is {$0.00}. I also called the collection number and spoke to XXXX. She confirmed that I am not the person they are looking for, but wants me to fax her my ID and social security number. Should I Do it?
Consumer complaint received 2020-07-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I was behind in my payments, I called and got the amount due. Made the full payment in XX/XX/XXXX and brought it up to date, so I thought. I called in XX/XX/XXXX to see if I had a payment due. I was told no payment was due. In XXXX, I made two payments for XXXX and XXXX and was then told I had a late fee from XXXX, This company charged me XXXX for the appraisal fee for two months when the account was up to date. This company charges a XXXX appraisal fee when you're late with your payment, but for that month I was not late. When I asked, I was told that they dot pick the time that the company goes out and do the appraisal. I was told that they did one in XXXX but I paid up in XXXX. The work said I paid at the end of XXXX and the company had already went out. The fee was for XXXX and XXXX, which again makes no sense. Now that I went in a forbearance for the hardship that I experience for the Corvid 19. I again asked that that fee be removed. I also trying to get the missed payment added to the end of my loan, but they are saying that for Va loans that not an option. I don't believe that our government will not help their veterans. I
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TN)

I was told the other day during a credit inquiry about a negative report from XXXX that I think is incorrect. I went directly to XXXX, but of course they want to charge me money. Instead I used XXXX and submitted my info. I selected that I wanted all three reports, but once I hit enter- I was automatically sent only to Equifax where I filed my dispute. When I tried to return to access the XXXX site, I had to completely start over with filling in my info at XXXX. THis time I specified that I only wanted to go to XXXX but once I reached the site and filled in my info AGAIN, they were having 'technical difficulties ' an were unable to process my request. Okay- so I went back to XXXX and this time I filled in my husband 's info so I could go back to Equifax and dispute the exact same incorrect info on his report. I selected only Equifax for a report, but once I got there, they said they were unable to fulfill the request and that he would have to download a form and mail in the request. I know they are trying to make it difficult so we 'll pay to get the exact same information that they are required to provide FOR FREE. 
Another way I know they are trying to make it difficult : When I did manage to file the ONE dispute with Equifax , they provided XXXX characters for comments about the dispute. First off XXXX characters is way too few and they DID N'T ALLOW SPACES! When I tried to hit submit I had an error message that said 'only use allowable characters XXXX,? -. ' I edited my comment to ensure I only used those characters ; SAME ERROR MESSAGE three times. I finally tried removing all spaces from the comment, but I ca n't imagine lots of people would be so determined. They WANT US TO FAIL! In no way did the error message advise me not to use the space bar when typing my comment, but it tripped an error anyway. Only when I removed all spaces would the disputed claim be allowed. 
It 's not about the money- I could go through the trouble of signing up and then cancelling a subscription service, but it 's the ABUSE of POWER that burns me up!!
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

[ Can't redeem rewards on Capital one shopping ] XXXX I have earned {$41.00} available in Shopping Rewards on https : //capitaloneshopping.com Since then, I've tried to redeem the rewards to WalmartXXXX XXXX gift card multiple times. Every single time, it showed " Success! Thanks for ordering an e-gift card. We're working on processing your order, which can take up to 24-72 hours to complete ( sometimes sooner! ). Once that's done, we will email you with your redemption instructions and this page will update with your card 's information. '' However, I've never received any email for the gift card and my gift card purchase history shows empty. Apparently, every time the order was canceled without notice or explanation. 
After reading up online forums, what happens next seems to be -- after many times of failed redemption attempt, my account will be deleted and my rewards will be gone.
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (IL)

FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with XXXX
Consumer complaint received 2015-06-16
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: CITIBANK, N.A. (NC)

Earlier this year, I discovered the CitiFinancial was reporting an unpaid collection balance with their company for {$7100.00}. I contacted them to resolve the account, but they responded to me that the balance was transferred, and I did not have an outstanding balance with their company. I have forwarded a copy of the letter CitiFinancial sent to me stating that I did not owe them anything, but CitiFinancial will not allow XXXX XXXX XXXX to update this balance to report {$0.00} owed.
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CFPB, Can someone from the CFPB please tell me why it is OK for Transunion to obfuscate the ability to create a free XXXX fraud alert? I 've spent 30 minutes on the site trying to find it and it 's nowhere to be found. I do n't believe that follows the spirit of the requirement to provide this service. Please have Transunion, like the other XXXX reporting bureaus, place a clearly identified link to the free 90 day fraud alerts on their home page. This is not rocket science and CFPB should have this kind of a consumer friendly check as part of their regular monitoring of these agencies.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (AL)

I have the BestBuy credit card managed by Citi. I have had the card for almost 10 years now. I have never not paid the full amount every month. I used to pay it off every week, but they changed their stance several years ago so that 4 payments in a month was considered fraud and kept locking my account. Now I am being told that paying off the credit card every month for what I owe $ XXXX+ is also considered fraud and they have locked my account to prevent further fraud. I 'm told that I will not be allowed access to use my card for 8 days to protect me from the fraud I committed by paying my balance in full every month from the same account every month with realatively the same amount every month. In this instance I made a payment on XX/XX/XXXX, according to my bank Citigroup received payment on XX/XX/XXXX. I have called on XX/XX/XXXX & XXXX and they confirm that they do have the payment, but because I paid the full amount that I owed, from the same bank account I 've used for years, they have locked my account for 8 days as fraud precaution. I was out of town on a trip during this time frame and being locked out of my card without reason is extremely inconvenient. I 'm told that I should be happy that I am receiving this protection because somehow it protects me. I believe Citi is purposely restricting me because they only make money off my transactions and not from interest charges to me, which I believe is unfair.
Consumer complaint received 2020-07-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

My trouble is with my XXXX credit card which is issued by the XXXX XXXXXXXX XXXX Bank. Here is what happened. 

When I paid my XXXX, XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars XXXX. 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from XXXX that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, XXXX reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low XXXX ). 

However, XXXX put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling XXXX and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked Experian to investigate. 

The charge was not removed. I contacted XXXX credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. XXXX put me through to a supervisor who said there was nothing he could do and advised I contact Experian. 

Experian said there was nothing they could do and I should contact XXXX. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a dispute with a merchant called XXXX in the amount of {$4900.00} that Fifth Third Bank has not removed. I 've ask them to remove this charge repeatedly through numerous letters and chat and I 'm being completely ignored. The charge in question is not mine and they need to remove it from my account.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (LA)

Our home flooded in XXXX in Louisiana, We have received our Insurance check to finish repairing our home. The Mortgage company had us sign up on XXXX and follow the To do List. It read ( which i have a copy ) to send the Insurance check unendorsed and a copy of the adjusters worksheets, which I did. Then the To Do List changed to we have to have a Licensed contractor. We are over 80 % complete in repairing our home and my husband was a XXXX for 19 years and chose to close his XXXX in 2014 because rising Insurance cost and bad employees. He then in XX/XX/2014 went to work for a XXXX, that XXXX. So this is what he does for a living. They told us that as of last year their company changed their rules and no longer let you self repair your home, which we have never received anything in writing. They also told me that they sent a flood claim instruction booklet to us when the claim started, but we never received it and they can not find in their records where it was ever sent. No one in Upper Management will even call us after requesting to speak to someone and being told on XX/XX/XXXX, that we would receive a call back in 3 business days. Now I need to know what and where to go from here.
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc. (CO)

I received a letter collecting debt from a time share that I own. The original amount was XXXX. I called the Continental central credit, Inc to discuss and understand the debt. Through the years of owning this time share we have always sent money to XXXX resorts and then it was XXXX resorts. I have never received a bill from XXXX the time share organization. After doing some research and several phone calls with XXXX XXXX an employee with Continental Central credit, I agreed to pay the XXXX with XXXX payments a month. He refused to take any money saying that now the bill was XXXX. I told him that i never received a letter asking for this amount and that we never discussed this amount. He still refused to take any money and threatened to report the debt to damage my credit score. Our conversation about payment was discussed on XXXX XXXX, 2016 and by Saturday afternoon XXXX XXXX, I did receive a letter asking for the NEW amount of XXXX. This amount was never discussed and I am really not sure how XXXX XXXX and Continental Central Credit came up with the amount.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (WV)

On XX/XX/2020 I received a call from XXXX XXXX XXXX ( XXXX  ). The representative informed me that an account with a past due balance of {$520.00} was placed in their office and demanded payment. During the call, the representative informed me of the mailing address listed on the account. I advised that the address he provided is no longer my place of residence and gave my current address. The representative continued his attempts to collect the alleged debt. He acknowledged that I have the ability to pay a lower amount than what is allegedly owed and advised after placing me hold, that his manager would allow him to settle the account for {$420.00}. 

After communicating with the representative, I wanted to research my rights as a consumer as it relates to what debt collection practices are legal. I do not recall the representative stating the " Mini-Miranda '' ( This is an attempt to collect a debt and any information obtained will be used for that purpose. Furthermore, I have not received an initial notice letter, but I have received multiple calls from this company.