davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

My mortgage has been with Ocwen for approximately 15 months, and during that time all of my payments have been made in full and on time. 
In XXXX 2015 I received a check from Ocwen for {$1100.00}, without explanation. When I looked at my online account I saw that Ocwen estimated my property taxes to be {$550.00}. My taxes were due in XX/XX/XXXX and the actual amount due was {$1600.00}. So I realized Ocwen had miscalculated my taxes, resulting in an overage in my escrow account, and that is why I received this check. I made the first of many calls to Ocwen, wrote XXXX letters, and returned the check to the Escrow Department as directed by Ocwen 's Customer Care agents. I mailed the check on XXXX XXXX, 2015. 
The {$1100.00} has never been returned to my escrow account. I last spoke with an Ocwen Customer Care Supervisor, XXXX, # XXXX, who told me that she would " escalate '' an inquiry with Escrow Department and call me back when they had responded to her. I have not heard back from her. 
Two months is more than reasonable and adequate time for Ocwen to return my money. My phone calls to Ocwen Customer Care have been disregarded and not followed up. 
I want my {$1100.00} returned to my escrow account and I want to be credited with back interest from XXXX XXXX, 2015.
Consumer complaint received 2016-11-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CO)

in XX/XX/XXXX. 2015, began trying to rebuild my credit. so, I paid off XXXX of the XXXX delinquencies on my credit report. These XXXX delinquencies were medical bills owed to the emergency room at the XXXX hospital XXXX. XXXX for XXXX $ and XXXX for XXXX XXXX the debts were paid to XXXX. on XXXX XXXX, 2015. Since I paid these debts, they have been sold to XXXX different companies and shown back up on my report. I have not been able to raise my credit due to these reoccurring unowed charges. please remove this from my credit and make it impossible for this crooked company to sell the debt to someone else.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

National Mortgage Settlement : XX/XX/XXXX. My home loan is currently being serviced by Ocwen loan Servicing and prior to this Homeward Residential Holdings and American Home Mortgage. I was not aware of the National Mortgage Settlement and still being abused by Ocwen which they are committing FRAUD. My loan was constantly falling behind and all they did for me was approve me for an In-House modification which did nothing for me and was forced to sign forms under duress. did my home fall into foreclosure, NO. Was I offered a principal reduction, Yes but it was added to the end of the loan and my HOME from XX/XX/XXXX is still under water. Attach is the current information on the settlement that I found and want answers and WANT OCWEN citied again for illegal practices. 

I AM NOT ACCEPTING THEIR ATTACHED REVIEW THAT WAS PERFORMED IN A THIRD WORLD COUNTRY AND WILL ONLY ACCEPT THE MODIFICATION UPON ACCEPTABLE TERMS OF THE HAMP AT 31 % OF MY INCOME. OCWEN DOES NOT DESERVE ANYTHING MORE THAN 31 %
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

This is a continuation of my previous complaints that have not been sucessfully resolved. 
Here are the facts : 1.There are missing payments from both bankruptcy cases, ( I sent the the doc. with proof and they ignored them and forclosed anyway ) 2.There are missing payments from the XXXX or XXXX different mortgage companies we paid to before the modification, ( and the have doc. to prove that as well, no response ) 3.They are going to put a huge defecit on us for a tax burden that will starve us in the future! ( so they will tax the stolen money again as XXXX on out tax liability ) 4.They are playing games with me with the relocation money. I dont know what is truth or not. 
5.I asked for the max amount of {$10000.00}, which is a drop in the bucket to the amount that is not accounted for. This is the results : a. reps from XXXX say that I will get nothing. 
b. another rep. says she will ask her supervisor and call me back c. a rep from XXXX calls and offers XXXX to move in 2 weeks ... .... I responded impossible to move in a shot notice and too little money. 
d. rep from XXXX calls and offers XXXX to move in same time frame e. several people are showing up at my home pretending to be people that can help me to get XXXX and want to come inside to talk to me. I refuse to let anyone in. 
f. I receieve a letter from XXXX XXXX XXXX XXXX on my door, and call Ocwen. They deny any involvement and pretend not to be part of XXXX and hint that it may be a scam to get money. 
g. XXXX XXXX ( XXXX ) calls, very rudly and leaves a demanding message to return a call. 
When I call she speaks cdown to me as if I 'm trash and says she is offering XXXX to move by XXXX of XXXX. I let her know I 'm moving all by myself and with a car. My spouse is XXXX, a veteran, and XXXX. I have to do the move all by myself and in a car, continue to work part-time, and asked for more money and more time. 
h. received an eviction notice to move in 3 days from XXXX representing Ocwen and the bank. 
i.XXXX called and said there is no offer of money .... 

HOW CAN THIS HAPPEN IN AMERICA!. YOUR HOUSE CAN BE STOLEN, FORCOLSED BY A BANK NOT INVOLVED IN YOUR LOAN, HOMEWNERS NOT GET CREDIT FOR PAYMENTS EVEN AFTER SHOWING PROOF, FORCED TO MOVE ON A SHORT NOTICE, TEASED OR LIED OR PLAYED WITH RELOCATION MONEY THAT MAY OR MAYNOT EVEN BE GIVEN! I DONT KNOW WHAT TO DO OR WHO TO BELIEVE, AND I 'M HAVING HORRIBLE THOUGHTS ABOUT THIS PROCESS. I NEED HELP WITH NOT BEING BURDENED BY TAX LIABILITIES, XXXX XXXX XXXX, AND HELP TO GET MONEY THAT I NEVER GOT CREDIT FOR.
Consumer complaint received 2015-12-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (MT)

I received e-mails from Nationwide Bi-Weekly Administration that they were discontinuing service but that our Mortgage Payment would be made for the month of XXXX if our account had been debited in XXXX with the additional funds to be credited to our bank account. They debited the account on XXXX XXXX, XXXX XXXX and XXXX XXXX. My mortgage has not been paid to my lender as of today XXXX nor have I been returned the additional funds in my holding account that they have promised. The total amount for the XXXX debits is {$2200.00}. {$1500.00} should have been paid on XXXX XXXX to XXXX for my mortgage with {$760.00} returned to my account.
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

AFNI Inc was sent a validation request under the Texas XXXX, but failed to provide the required information as required within a thirty day time period. AFNI also reported the account as dispute. It is collection agencies responsibility to cease reporting an account until proper validation requirements are met. AFNI has continued to report this account to the Credit Reporting Agencies but has not provided proper validation of the debt. Texas law provides that this account, not being properly validated within the stated timeframe should be permanently deleted from my credit reports.
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (VA)

Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited, I was at the Virginia XXXX XXXX, working XXXX. I have not been in XXXX since XXXX. Further, the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved, but I got another notice today. If this is a scam, I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M, I want it stopped. P.A.M. threatens to destroy my credit. If that happens, I want my credit restored.
Consumer complaint received 2016-06-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

My wife had a medical procedure XXXX years ago. They submitted the bill to XXXX XXXX using my wife 's old account. Months ago I spoke with Continental Credit Control and to XXXX XXXX who said they found the medical bill and would put it through for payment. I thought end of story. But yesterday we received a statement dated XXXX/XXXX/16 from Continental Credit Control showing {$410.00} due, including 10 % interest. We spoke with Continental Credit Control this morning and the first thing they insisted that we make payment over the phone and then they would take it off of the credit report. Only after back and forth conversation did he recheck and tell us that they RECEIVED payment back in XXXX! A statement sent in XXXX for a payment made in XXXX? Well, a month ago we were DENIED a credit card because of bad credit! To add insult to injury, Continental had the gall to tell us we still owed the interest due!
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2016, my ( now closed ) account ending in XXXX was breached. Not by a someone impersonating me, but by the teller at Chase - at their XXXX branch in XXXX. I live in XXXX XXXX, XXXX 

After taking XXXX out of five days off work to resolve this issue, I was specifically told by a Chase employee here in XXXX ( I have recordings of said conversations ) that the ONLY way for someone to withdraw money in person is by A ) either having a debit card, which they did not have. Or B ) by providing a valid form of ID, which the person did. It was not a fake ID with my face or name it, it was their real ID. I have since discovered the person 's name, XXXX XXXX. CA ID number XXXX. 
When presenting solely an ID, it is then up to the teller to VERIFY that the person and banking info match. This is done by verifying they 're address, name/ID number, or social security number. Clearly, none of these steps were taken as the teller then provided MY account information and handed him a withdrawal slip of {$1100.00} from MY account. 

Now, I have since been told by your executive office that this is all covered under your Deposit Account Agreement, which I signed. On that note, I would like to point out that I have thoroughly read said agreement and it specifically says you are covered when it comes to " Fraudulent transactions, '' more specifically : " Although we attempt to identify and prevent fraudulent transactions, we have no duty to you to determine whether any check you deposit or cash is forged, counterfeit, altered, improperly endorsed or otherwise improper. '' Clearly, there was no attempt at a fraudulent transaction when it comes to my case. It was the teller who provided my account information, therefore the error was ENTIRELY your- the bank's- fault. 

Even under article XXXX, " Rules Governing Your Account, '' you use the term FORGED. No signature was forged, therefore said agreement is no longer is valid and you are, in fact, liable. It was the teller who provided my account information, not the other way around. You said to contact you with new information, and I have. 

I stick by my original request for compensation in having my credit card paid off. On top of that, I ask to be credited for the week of work that I missed. The amount being, {$1200.00}. 

XXXX XXXX, I have tried contacting you twice but you continue to stonewall me. Know that I have recorded conversations with all the Chase employees I spoke to and who openly admit this is entirely the bank 's fault and should not have happened, and that the appropriate steps were clearly not taken to verify my identity. I expect a prompt response, and for my requests to be met as swiftly. If not, you have left me no choice but to go the legal route. 

Thank you for your time. 
Sincerely, XXXX XXXX.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (KY)

A chase credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called Chase and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/2019 which is XXXX years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong Chase has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over 7 years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with XXXX and they came back and said Chase did not agree to remove. I have called Chase probably a dozen times over the past 3 years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.
Consumer complaint received 2015-11-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I left my chase atm card in a chase atm during normal banking hours earlier this week. when i try to call that chase bank branch XXXX the phone rings over 8 times and then i get a recording that tells me they are busy providing wonderful support to a different customer and i should call back in a few moments. I got this same recording for over 20 minutes. when i finally gave up and XXXX chase hq number XXXX and spoke with the nice lady ( XXXX at HQ in XXXX ) who answered the phone and explained everything to her she said she would try the branch and put me on hold. she then came back to the line with XXXX from the branch at XXXX XXXX fl who told me the following1. that they do not log atm cards that are turned into the branch2. that they shread said cards without bothering to notify there own customers that the card was turned in and shreaded. 
3 he then stated in a very condescending tone that i was the one who left my card. 
at that point i ask XXXX to remove him from the call and asked her to transfer me to the presidents office. she sent me to person named XXXX who was helpful regarding canceling my card and getting me a new card but said he really could not help other then waiving the replacement card fee. 

you should note that i have had repeated issues with chase and when i complain to them at best i get a follow up voicemail message from a branch manager who then hides behind his voice mail when i call back. I have even been lied to by the regional vp admin at there regional office XXXX and then they alo hide behind there voice mail.
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-01-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Nationwide Biweekly Administration, Inc. (CO)

I took out a mortgage in XXXX 2015 and in XXXX 2015 entered into an agreement with Nationwide Biweekly Administration , Inc. to assist with making bi-weekly mortgage payments to my mortgage holder ( XXXX ) since XXXX did not offer a bi-weekly payment option. Then, on XXXX XXXX, 2015, I received a form email from the President/CEO of Nationwide seeking my help in stopping the CFPB from shutting the company down, included all kinds of religious based statements ( no need for religion in a regulatory dispute ) and bashing the CFPB. Then, I received a letter later that month letting me know that the CFPB had suspended their operations and that I had to re-assume the payment of my mortgage on my own and that they would get back to me when they had cleared their regulatory hurdles and established a new banking relationship. Since that time I have been attempting to cancel my agreement with Nationwide for non-performance of services on their part to be denied ( verbally ) and the escalation hotline puts you on eternal hold to the point that the system eventually hangs up on you. I have since re-established my auto-draft with XXXX and they now have a program where I can make bi-weekly payments to help reduce the 30 year stated term of the loan. 
Then, today, to add insult to injury, I received an email from Nationwide advertising " advanced features '' to pay off my mortgage. I am bit baffled at how this company can continue to advertise products and services to solicit new clients when it can not fulfill its contractual obligations to the thousands of customers that paid them to provide such service?
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX I was informed that my credit card debt was {$45000.00}. On looking at my statement I am not aware of many of the transactions. Notwithstanding my credit axis limit for the card was {$25000.00}. Chase never alerted me that my account was going over the {$25000.00} limit. In the past Chase has alerted me if they were suspicious about a tentative transaction.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc. (FL)

COMENITY BANKXXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANKXXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANKXXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2015-10-16
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P. (NJ)

Satisfied Judgment that has been on my credit report that was satisfied in XXXX 2013 - LVNV Funding still says judgment wherein I have a copy of the Warrant to Satisfy Judgment which was filed with the Court after the I paid the settlement!!!!
Consumer complaint received 2017-01-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC (IL)

This payday situation I started has gone out of control as I started with XXXX loan and it perpetuated with XXXX payday loans taking well over 90 % of my take home pay and therefore could not pay my mortgages for over 4 months. All of the payday loans charged me usurious in that they fall quite a bit outside of the the interest rates allowed by law and some even topok money on days I did not get paid and caused so much turbulence to my bank account forcing it to be overdrawn on many occasions collecting insufficient fees along the way to contacting a Payday Loan Consolidation Company. However, this is n't enough to get me back my money. The rates were even up to 1800 % and beyond on one of them.