davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My mortgage company does n't have all of my loan origination documents and they claim they are missing my original amortization schedule. I only know this because I called in to make sure PMI would automatically remove itself next month when my LTV hits 78 %, based on the original schedule. I am currently well below that. The company and their reps basically told me that since they do n't have the original amortization schedule that it would n't be removed. Per the PMI removal regulations ( " When the balance drops to 78 %, the mortgage servicer is required to eliminate PMI. '' ) I do n't feel that the company is meeting their requirement as a mortgage servicer.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.
Consumer complaint received 2017-03-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (HI)

I am going thru a loan modified with ocwen, their attorneys and " commissioner '' are harrasing me with 12 letters and certified letters demanding access to my property to access for immediate auction. I have called ocwen, now for the second to clarify the auction threat. At this time ocwen confirms they received my package on XX/XX/XXXX, but have not reviewed as of yet, so they have no scheduled sale. This the second time the ocwen attorneys have made this bogus threat. I had to schedule a meeting with someone otherthanmy case manager to get an update. My case manager available on XX/XX/XXXX but have meeting XX/XX/XXXX @ XXXX. due to judicial malfesience affecting a lien on this property, filed by myself, I think both sets of attorneys are ganging up, illegally pushing for this foreclosure to go thru. In hopes I will be unaware of my rite, and will surrender. I left an extended message with the ocwenz attorneys " commissioner '' and have not gotten any response back, his threat of accessing my property is for the XX/XX/XXXX. As with the 1st time, I was not informed INA timely fashion as well as being told, not asked to property access.
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Pressler & Pressler, LLP (NJ)

I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. 
XXXX XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

No choice accurately describes my issue with Equifax. I received notice from XXXX ( through an initial fraud alert ) that my address had changed at Equifax. I tried to call them to get it changed back. A ) they are darned near impossible to get a hold of and B ) when you do actually get a human being, they quickly disconnect/hang up you. Also, if you want to initiate a fraud alert through their website, they charge you a fee which they are n't supposed to do. I was able to set up one through their automated telephone system but when it was supposed to transfer me to a live human being, it hung up on me instead. So basically, there is no way to contact Equifax to fix my credit reporting. Also, while you are on hold for 30+ minutes, EVERY 10 SECONDS they tell you to go to the website instead.
Consumer complaint received 2016-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Notification that because the Fed had recently increased interest rates that our home payment would increase again on XXXX XXXX, XXXX. 

To my knowledge there has been no increase since XXXX XXXX, XXXX ( according to the " Guardian ''. According to the guarding again : " The Federal Reserve ( Fed ) put any further increase in US interest rates on hold on Wednesday, announcing rates will remain unchanged for at least another month '' in the Fed XXXX meeting. 

Why would Bank of America be allowed to raise rated at this time?
Consumer complaint received 2023-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (NV)

I have had several payment issues with this companys website. Recently i closed an old bank account. I reached out to CMG Financial to inform them my account linked to my monthly auto-payment had been closed, trying to avoid any issues. They told me the payment had gone through. This was impossible because the account was closed. Therefore the charge eventually bounced. I received no notice of this. The following month i owed them double plus late fees and bounced check fees. They then said my only option for resolution was to send a cashiers check, which i did. And they processed that check. Now it is XX/XX/XXXX, and i log on to make my monthly payment, the cashiers check processed and my account appears current, but the website still wont allow me to make online payments. I then call the customer assistance hotline to speak with a customer service representative and the office is, again, closed. My credit has received multiple negative hits from CMG Financial and I have paid multiple late fees due to their useless online payment system and their complete lack of proper customer service availability. I am a good customer trying to do right and being thwarted at every effort to maintain a clean mortgage record. These practices seem predatory and inadequate. Please help.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Asset Recovery Solutions, LLC (WA)

I did n't know I owed University XXXX XXXX money. Once I realized that I owed their company money I made the effort to pay them off and was forwarded to Asset Recovery Solutions which is who University XXXX XXXX goes through for debt collections. I made an agreement with an Asset Recovery Solutions Representative where I could get my debt deleted form my credit report in writing after I completed my payments successfully. I met the terms of our agreement successfully, but has not received the later we agreed upon. 

Instead I have been told Asset Recovery Solutions does not have my Social Security number or access to my name on file, and to contact University XXXX XXXX. I contacted University XXXX XXXX. I got a letter that said the debt was paid in full, but the letter said nothing about deleting my paid off debt from my credit report. Which is lying/manipulating me from the original agreement. 

I even called University XXXX XXXX to talk to someone about this. I keep being told to contact Asset Recovery Solutions or I get transferred to department after department after department. I was told XXXX day the department who can help me does n't want to take my call. I was even give a fake number of XXXX on XXXX XXXX at XXXX. 

This is turning into a total nightmare! People want to take my tuition and scam me when I have done my part on a simple agreement!
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My mortgage loan servicer is reporting inaccurate information on my most recent credit report and is unresponsive when I seek to resolve the error. This has led to an artificially lower credit score which effects many other facets of my/our financial well-being. 

The loan servicer is Seterus Inc. based out of XXXX, Oregon
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. ()

I submitted a fraud dispute back in XX/XX/XXXX for a unauthorized charges I did NOT make. However, in XX/XX/XXXX, I received a response from chase stated that I have to be responsible for the charge. THe detail of the transaction is listed as below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-10
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I took out a revers mortgage four years ago.my son and granddaughter were support to pay on my taxes and insurance. In XXXX wells fargo sent me posted card. did n't open I thought it was junk mail. They never sent out a formal letter letting me know about my back taxes and insurance.wells fargo never give me and option of repay on the back taxes and the insurance.they sent me a letter for 30 days to comply that I was still living in my home that what started the hold thing.we sent them prove that I was still living in my home. be for the 30 day was up. well fargo still file a default any and started the prceeding of foreclosure .nowing that we was working with them by califorina law they have to work with us I call crop office in made a complaint. we told her the same thing they investigated the issue. well fargo called my granddaughter told her that the house was out of foreclosed, but did not give use anything in writing, but still put a default on the house making it difficult to refiniance the property. I feel that well fargo should have work with me on repaying the taxes in the insurance. instead of the default being file.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank continues to pursue me for a debt related to a foreclosure that occurred well over five years ago. The property associated with this mortgage was surrendered in XXXX of 2011, and despite that, TD Bank continues with collection efforts. They continue to report that I have a balance owed to them on my credit report as well. The statute of limitations to collect a debt in the state of North Carolina is three years, so their continued efforts and reporting is a violation of my rights.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

I attended XXXX XXXX XXXX and XXXX in XXXX 2009, I was watching the News on yesterday and it stated that XXXX was being investigated because of the student loans. I would like to have my loans investigated with your company. I have private and Federal loans and I never received any additional money when I received the loans, but I was informed that any additional funding that I received was being sent back to the loan company. I never received any showing that the funds were returned back to the loan services and I would like for my loans to be investigated
Consumer complaint received 2017-02-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have an interest only loan plus I have an escrow account. The loan is being serviced by Ocwen Loan Servicing. The interest plus escrow is approximately {$980.00} per month per the loan modification completed in XXXX XXXX. I received my statement for the payment due XXXX/XXXX/XXXX and there is an additional fee of {$1400.00} due. It is listed as Fees/Other Charges on the mortgage statement with no additional explanation. No letter explaining what this additional fee is for. I contacted customer service and was on hold for a lengthy time while she researched the issue. She finally connected me to the Escalation Dept where the Manager placed me on hold so he could contact the Cashiering Dept. When he came back he told me he needed to research the issue and call me back. He called me back the same day to tell me Ocwen was calculating the interest incorrectly and that I owed Ocwen {$1400.00} due to Ocwen 's error and as a courtesy they could add this amount due to my loan balance. I requested additional information as I have an interest only loan and this interest error now impacts my XXXX taxes. I requested a full accounting of when this error began, how they calculated the interest and what the interest should have been. I have not received any of this info. All I have been told is that I owe this money that is due to Ocwen 's error.
Consumer complaint received 2016-10-11
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Navient Solutions, LLC. (HI)

Please take the time to look into student loans and XXXX XXXX XXXX fraudulent practices of applying their students into predatory student loans knowing full well that majority of the students could not repay back those loans after graduation. I had emailed you on this issue a few years back and explained how after graduating from XXXX XXXX with a XXXX XXXX XXXX I was told that my degree from XXXX XXXX was worthless to any governmental agency : State and Federal because of the accreditation of the school. I owe close to {$100000.00} in student loans ( both government and private loans ), many of which are in default or placed on an Income-based repayment plan where my monthly payment is at {$0.00} per month because I can not afford to pay back these loans due to the high cost of living for me to provide for my family of XXXX. 

Most recently XXXX XXXX has been forced to shut down all its ' schools and is being sued by many states due to fraud practices on recruitment, student loans, etc. I had attended XXXX XXXX XXXX in XXXX, Nevada from XXXX - XXXX and graduated as XXXX. I attended school even throughout the economic crash, even through bankruptcy proceedings living off their promises to better opportunities of the future of starting anew and obtaining a better paying job to provide for my family. During the course of attending, XXXX XXXX 's Financial Representatives have placed me into numerous student loans to pay for their courses promising me that when I graduate it would be all for the better. I studied hard and worked hard to get high grades, even while working a full-time job and being a full-time mother to my XXXX children. After graduation, all I found myself was in high student loan debt which I can not repay. Till today, I have been suffering from shame, guilt, XXXX knowing that the debt is still rising from high interests and penalties and all I have to show for all of this is a " Blank '' piece of paper, according to the XXXX personnel when they refused to hire me for a XXXX because I did not meet the education requirements. I was also denied a position as a XXXX agent at the XXXX because my credit is too high and risky, and they too did not recognize my education. 

When will this all end? I do n't have the money to hire a lawyer to help me nor do I know where to start in getting rid of these loans which have been a nightmare to myself and to my family ( with high collection calls from Navient and collection departments ). All this because of a school that refuse ( s ) to take responsibility to misleading me into high debt for an education which is worthless. Help me!
Consumer complaint received 2016-11-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

This loan reached it 's 10 year maturity date in XXXX 2016. The account balance has been at zero for over 2 years. I have been requesting that OCWEN file a deed of reconveyance for over 6 months. They now claim that i must wait another XXXX9 weeks while they perform a " chain of title '' research through a third party agency. Totally unacceptable. They have moved me to an " escalation manager '' who is totally useless.
Consumer complaint received 2015-11-17
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an account at Bank Of America and I was charged for going over the limit of transfers in between my savings and checking in the total of {$60.00}. I was never ever informed via paperwork email or online or otherwise so I was trying to get my {$60.00} back that is it. So in order to resolve this issue I would like my {$60.00} back and then I will go to another bank.
Consumer complaint received 2016-03-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Centron Services (MT)

I was n't sure how to describe the issue but in my words the way the debt collector Centron Services out of XXXX Montana served me the debt was in my eyes very unprofessional of them. On XXXX XXXX 2016 XXXX XXXX a process server with centron services trespassed into my home to serve me. I notified him that he was trespassing and told him to leave my residence. He continued to argue with me that the courts told him he could trespass into my home to serve me. I had a posted no trespassing sign affixed to my home and notified him that for any purpose trespassing is not allowed. I filed a police report with the local sheriffs office where I was told there 's nothing they can do because trespassing is a gray area. When I talked to the judge whom signed the order she stated that yes it was criminal trespassing and that I should let Centron Services know about the issue. Upon calling the company I ended up speaking to a XXXX XXXX whom is manager and explained the situation to her she asked for some basic information such as the police report number and whom I spoke with, which I was more than accommodating and gave her all the information she asked for to which she blatantly said thank you and hung up the phone on me. About 3 weeks later I received a piece of mail from Centron Services that stated I did not contact them and I would be in default judgment because of not contacting them about the debt. The way I see it is the company broke the law to get a debt from me and did n't get any recourse action because of it. And deceived me by not calling me back or notifying me that because I did not discuss the debt I therefore did not contact them. This was a very deceitful way they collected a debt from me.
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX, XXXX XXXX customer Care XXXX Consumer Finance Protection Bureau Bank of America, XXXX Via : Website Complaint Submission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : account # XXXX XXXX XXXX XXXX To whom it may concern at Bank of America and the Consumer Finance Protection Bureau, Although I have written many letters about my dilemma, I will try to keep this recap short and to the point : 1. As with most Americans, I was severely impacted by the XX/XX/XXXX unprecedented financial crisis. 
2. My situation differs in that I took what I thought was the more honorable route. My debt relates to my former business, that I did not declare bankruptcy -- in other words, I did not " use the system ''. Who thought we would be in a long-term crisis? My business faulted when XXXX XXXX, owned by the XXXX XXXX XXXX did not pay their bills for product DELIVERED. This was just before the crisis hit! 
3. Much of my business expenses were charged to this card. If you look at the former credit limit, and money used against that credit limit, and on time payables, you will see that I was never a credit risk. 
4. During this period since XXXX this BOA account has been transferred from XXXX collection agency to another, so much so that I have lost track of who to submit payment : XXXX .... 
5. Recently I received demanding phone calls from another agency, name unknown, demanding payment without any written support. When I stated I would only submit payment when I received something official I was told, " You will be listed as uncooperative. '' I have amicably settled bills with XXXX and other credit agencies through these years- not BoA. Where are my rights? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: National Arbitration Forum (AZ)

I 've reported these people before. You have open complaints. I received another call this morning at XXXX XXXX. Here 's the transcript : Hello, This is XXXX XXXX XXXX we have some paperwork listing your name and address that 's involved with an investigation that requires your immediate attention we need a return call back from you, so that we can report you 've been cooperative and compliant in our investigation. Our office number is XXXX, Please reference file number XXXX when calling. Have a good day.
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Van Ru Credit Corporation (IL)

Van ru will constantly call you constantly send mail and constantly lie Department of education does n't care, and will still deal with the XXXX scammed XXXX Whatever you have to do to not deal with student loans, do it because all of it is XXXX. 
They all scam you together, nobody is on your side.
Consumer complaint received 2015-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (MN)

Well I have had problems with accessing my account online and that is the only way I can get any information or do anything that has to do with my account other than getting money. Everything else is impossible because that 's the only way you can .I 've emailed the president of the company ( Netspend ) that is were my government XXXX gets direct deposit to. Now I have been contacting them about this problem for 5 years. I just recently have emailed there President twice now and he had some lady contact me and all she could say is to click on forgot password well I have tried XXXX of times over the years and I told her that and nothing even if I call they just have me do what already have been done XXXX of times before and that 's the far as it gets.