davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: QC HOLDINGS INC (IL)

I was recently contacted by someone claiming to be a debt collector stating I took out a payday loan with a company called QUIK CASH in XXXX 2015. I told them I paid off my loan in XXXX 2015 and do not have a loan with them. They read my information I had on my previous QUIK CASH account and I told them to delete my information. The number is which has contacted me is XXXX, leaving a message stating she is looking for me to serve me a court date about this debt unless I call the company she works for to pay it. I called XXXX ( the number she left ) and that 's how I figured out this is a scam.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MO)

This is in addition to my complaint filed earlier today. 

In addition to my previous complaint:1 ) Ocwen has never answered any of my issues in a timely matter. Every time Ocwen 's time to answer they respond by requesting additional time. And, each time the complaint has been similar still, they ca n't answer and resolve this issue in a timely matter. 2 ) Ocwen has never answered my first RESPA request. This is supposed to be answered within 30 days or be fined a min. of {$4000.00} for non compliance. Ocwen has never paid that fine to me. 3 ) Ocwen continues to mail me - through the U.S. mail monthly mortgage invoices which are not correct. I believe this is a federal crime and is punishable by {$5000.00} for each occurrence. Ocwen has mailed this to me at least XXXX times in the last year. Who is responsible for enforcing this law and how do I get them to pay up?
Consumer complaint received 2015-12-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (TX)

mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.
Consumer complaint received 2016-03-13
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MRS BPO, LLC (IL)

I 've requested all billing and payment statements on all student loan accounts from MRS Associates since I have paid from XX/XX/XXXX to XX/XX/XXXX. I 've corrected my address several times but nothing ever changes. There are XXXX accounts that went to collection from XXXX and I have yet to receive any documentation of payments, interest rates and charges, and payments made.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC. (CA)

My loan agent should have processed my paperwork and put urgency on the lenders to approve all my paperwork. Throughout my Escrow process, she would not pick up her phone, return my emails, or return my text messages. When I could talk to her, she assured me everything was smooth sailing and I would get approved in time for Escrow to finish in time. However, as the day got closer and closer, I still had heard nothing and then I would receive more questions from the lenders. She told me that if I anwered these questions, it should be fine. But then several days later, I was asked repetitive questions. 

After my escrow date had already passed, I asked her once and for all if there were any questions and she referred me to her processor. 

I spoke to the processor, and he said he could prioritize and get it done quicker. I asked if I should have communicated with him directly and he told me " yes, it would have made things quicker and easier, but the loan agent told me I could only go through her. " I feel like she did n't put any urgency, and I was then forced to answer the same questions and it delayed my escrow by 20 days. I was forced to sign a per diem of {$150.00}. 

I have since asked her for a MILESTONE report. I have been waiting over 5 weeks now for it in which she claimed she requested it.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I am filing this complaint against Ocwen Mortgage Services for misleading advertising and, moreover, for the mishandling of my mortgage Loan, neglecting to pay my homeowners policy from my impounded funds, destruction of my credit rating, personal financial damage and extreme XXXX. The deplorable reputation of Ocwen is no secret to those in financial circles but when their immoral business practices are up close and personal, it begs the question, why are these people still in business or at least why are they not sanctioned for a slogan that says " Helping Homeowners is What We Do. " 1 ) XXXX, 2015 Ocwen failed to pay my homeowners insurance causing it to be cancelled. After more than two months of lies about the payments being sent and numerous 3-way calls with the insurance agency and Ocwen, over two months later the agency received payment and the policy was reinstated. 
2 ) XX/XX/XXXX and XXXX, 2015 Ocwen failed to acknowledge XXXX mortgage payments from my bank bill pay account which were paid on time. After providing them bank documents, they acknowledged the XX/XX/XXXX but not the XX/XX/XXXX payment. Due to the extended time period my bank advised I place a stop payment on payment while the situation was reviewed and replace the payment. I complied. Meanwhile, I expressed my desire to work with Ocwen to resolve the issue so that my excellent credit rating would not be affected. I was lead to believe over the next two months that a letter would be generated internally for use with the credit reporting bureaus to mitigate any damage to my report by noting my consistent on time payment record and acknowledge a system error in funding my loan. After countless phone calls to various levels at Ocwen in their " escalation department '' I received a letter noting they ultimately considered the payment 30 days delinquent. Not only has this destroyed my credit rating I have worked my life to protect, it has impacted my ability to refinance and financially. Moreover, if I would be successful in a refinance opportunity I would now pay a higher interest rate. 

When Ocwen took over my loan from IndyMac I had no say in my loan being sold to Ocwen, Problems at the onset of their takeover, included three months for Ocwen to get my payment process resolved from the previous company. Again, there were no acknowledgement of payments that were transferred from IndyMac to. Ocwen. Ocwen came after me with threats while IndyMac maintained Ocwen had received the payments and had the dates to prove it. I was a victim then and I am still a victim because they simply wont do " the right thing '' by acknowledging their accountability and living up to their slogan.
Consumer complaint received 2023-10-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MA)

I received an email from Columbia Debt Recovery LLC, dba Genesis ( XXXX via XXXX ), on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. 

The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to RESIDENCES AT THE TRIANGLE. We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. 

I requested the details of this debt, in writing by certified mail on XX/XX/2023. USPS tracking shows the mail has been delivered but the return receipt has not been sent back. I have also not received a response to this letter.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (MD)

The Delaware Department of Transportation obtained the services of Professional Account Management, LLC ( " PAM '' ) to collect a alleged debt from me. Despite multiple dispute responses, PAM continues to harass with me threatening letters and telephone calls. On countless occasions, I have disputed the validity of the debt in its entirety and PAM continues to ignore my signed, written responses. PAM is violating the text and spirit of the FDCPA.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have recently received a letter from XXXX XXXX credit card stating that they will be dissolving their relationship with XXXX ( I currently hold the AMEX XXXX credit card ). They informed me that the account will automatically be converted to a XXXX XXXX XXXX. I called AMEX and asked that they " do not '' transfer any of my personal data or information to another financial entity ( XXXX in particular ). After speaking with various people at AMEX ( including supervisor XXXX ), they informed me that the only way to stop the automatic transfer and the opening of the new account was for me to cancel my AMEX card before XXXX XXXX, 2016. I explained to them that by " me '' cancelling my card, this would effect my credit report negatively. And as this action, the dissolving of the relationship between AMEX and XXXX, is not of my personal doing, this should not effect me negatively. I asked AMEX to take the action from their side, and close accounts that do not want any transfer of data/information, and they said this was not possible. This situation is quite unbelievable to me, especially in this era of information confidentiality. The consumer is being forced to accept these conditions unilaterally, one would always expect " opt out '' clauses in these situations. Please do all you can to stop this unacceptable practice. Thank you.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I spoke to XXXX from ARS requested I fax copy of benefits from XXXX for XXXX to XXXX called XXXX ( spoke to XXXX ref # XXXX XXXX/XXXXXX/XX/XXXX XXXX indicated did n't owe it was covered under the urgent care copay. Called ARS gave marys contact info. Also did a XXXX way. ARS said they would Look into it. Never updated me and never called be back to let me know a status update. 
name company never resolved issue.
Consumer complaint received 2016-08-18
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: AMERICAN EXPRESS COMPANY (NC)

On XXXX XXXX, 2016 I swiped my card to pump gas at Shell located at XXXX XXXX XXXX XXXX NC. When I went to make a purchase immediately after pumping gas, I discovered that Shell had placed a hold of duplicate transactions of XXXX dollars. In other words, they had held a total amount of XXXX dollars on my card when I had only pumped XXXX dollars of gas. I went back to the store to talk to the cashier and she was an XXXX Lady and she refused to hear what I was saying and said that she was not going to do anything. Later, I was able to call my back and cancel the XXXX transaction but I just noticed that Shell still has a hold placed on my card of XXXX dollars on my card account. This hold has been there since last Friday and I would like my funds released so I can use them for myself. I am not able to use these funds because Shell is holding it and I think it is very unfair to hold my money this long and for this amount for a {$25.00} gas purchase.
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I am a XXXX year old female, retired. Due to decreased income and health concerns, it became increasingly difficult for me to make my mortgage payments. After almost two years of applying and re-applying with XXXX XXXX XXXX, I entered a trial modification period and received my permanent loan modification documents in XX/XX/XXXX My loan was purchased by Carrington Mortgage company, and I began making regular payments to them from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I received a Foreclosure Intent letter from Carrington. I was informed that I do not qualify for a HAMP loan modification. I was told that I could re-apply for a non-HAMP modification. I can not begin to tell you the stress that this has caused me. It has affected my XXXX health. I feel like I have gotten the run-around and do not trust anyone at this point. My mortgage payments for the past 9 months have been drafted from my checking account, but they have NOT been applied to my mortgage. This is disconcerting. In addition, I am continuing to accrue late fees and penalties on my mortgage balance. I am unclear as to my rights at this point. I am worried that I will lose my " dream '' home that I built and had planned on staying in until my passing. I am hoping that you can help me. 
Sincerely, Concerned Homeowner
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I received a toll bill from New York MTA XXXX XXXX for a toll dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a notice from the MTA that the XXXX $ toll was due and there was a {$5.00} late fee also due. I submitted payment for {$8.00} on XX/XX/XXXX.This check was received and processed by the MTA on XXXX/XXXX/XXXX and posted to my checking account on XXXX/XXXX/XXXX. The MTA did not apply the payment to my account and now says I owe {$53.00}. I have submitted documentation to both TransWorld Systems Inc and the MTA several times, and they have confirmed I sent them proof of payment on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have contacted customer services at least 3x/week since XX/XX/XXXX, and customer service has transferred be endlessly between violations dept, collections, and tolls.Between TSI and the MTA, they have not been able to get organized and close out this debt. I am told something different each I call, and that it could take an additional 3, 5, or 7 business daystime, but no resolution seems near as this has been ongoing for over a month. 

I am applying for admission to the NY Bar, and the Bar has requested a final disposition as part of the application process. As this request is still pending at TSI and the MTA, I can not give the NY Bar what it is asking for.
Consumer complaint received 2015-11-13
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Jacob Law Group, PLLC (MS)

XX/XX/XXXX XXXX I received a telephone call from Jacob Law Group , I was not home at teh time to receive the call. XX/XX/XXXX I received a letter from the same company stating that I had a debt from XXXX XXXX bank in the amont of {$2100.00}. I called the number on the letter and spoke with a lady named XXXX. She went on to inform me that she had contacted my job XXXX and verified emplyment. First of all no one at the particular center has the authority to validate employment. I asked who did she speak with ad she hesistated and told me the HR department. I called the HR department sad they had not spoken with anyone to verify my employment. She went on to tell me that I needed to pay the amount in full and she saw that my cosigner had a car in her name and if she had a car she should be able to go and get an installment loan for {$2000.00} at the bank and pay the bill and I pay the {$150.00}. I explained to her that this was my mother she was XXXX years old and since XX/XX/XXXX has had some credit issues. I offered to make installment payments but she would accept teh offer. I am afraid that htey will upset my mother who has XXXX as I do myself. She went on to ask how much I made per month and noted that they could take at least {$400.00} a month from me and that I did not want that. She was quite harsh. I had XXXX on XX/XX/XXXX and I amcurrently off work and under the care of my doctor.
Consumer complaint received 2016-03-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management Corporation has been using inappropriate tactics to contact me to resolve this debt. The debt no longer shows up on my credit report and they have failed to provide me with information from the original debtor. In the past, I have received calls from them as early as XXXX and have been harassed and belittled by their staff. One of them, " XXXX '' called me a burden to society and went on about how people like me are leeches. I of course, asked to speak to a manager or supervisor and was put on hold ... until I finally hung up 20 minutes later. 

Recently, they have called my sister in law and husband to inquire about the debt. Today, they called the front desk at my place of employment looking for me. The receptionist forwarded the call, but it was clear to her somehow that it was a debt collection agency calling. 

I understand that the majority of their staff is calling from XXXX, but that does not make it okay for them to bully and harass people.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NV)

I am dissatisfied with the current outcome of a dispute that was initiated with Discover Card regarding a single transaction that occurred on XXXX/XXXX/2015 in the amount of {$280.00}. I have corresponded with Discover Card at least four times since XXXX/XXXX/2015 ( which I have enclosed as an attachment to this complaint ). I believe that the credit card issuer has violated consumer protection laws by failing to implement the Special Rule for Credit Card Purchase protection despite overwhelming paperwork evidence submitted by me that shows the merchant has conducted business in bad faith less favorable to the consumer. I have sustained a monetary loss as a result of merchants bad faith and intent. I have patiently utilized the internal Discover Card dispute process over the past three months with the credit card issuer always favoring the merchant ; I have repeatedly submitted irrefutable paperwork evidence that has shown that the merchant has conducted business in bad faith. I have tried in good faith to address my complaint with the merchant and Discover Card but believe that I will not receive a favorable outcome.
Consumer complaint received 2016-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (VA)

I have XXXX issues. The most important is at the top. The other XXXX are smaller. 

Discover Student Loans has begun taking double payments from each money, starting in XXXX. I thought it was just some random issue with auto-debit but when I called to fix it, they claimed there was no issue. I 've attached part of a bank statement showing XXXX payments from Discover. I 've also attached the payment history from Discover 's webpage. As you can see, it is kind of a mess. But if you look at individual loans, you 'll see that each loan has actually had XXXX payments applied to it within a short period of time and then XXXX payment reversed. I did not make any manual payments, all happened automatically. The same thing happened at the beginning of XXXX. As you can also see, my bank account balance was sufficient for the payments made, and there is no reason a payment would be returned. Nor was any payment returned to my bank account. Obviously if they claim double payments were not made, they are probably not crediting those payments correctly. 

Additionally, I have XXXX smaller charged off loans with Discover. I have been making payments according to the payment arrangement we made. When I called to talk about the above issue, they claimed that the payments would need to increase despite our agreement and implied they did not intend to continue following the agreement. Regadless of whether a charged-off loan is due immediately, a subsequent agreement to accept a payment plan should be binding. 

Third issue, which may be more of a clarification, but I believe my loan payments jumped considerably around when Discover purchased these loans from XXXX. I have requested my Promissory note to see what the original terms were, but I do know that I was not always under such a large monthly payment, and the large jump in payments is much of the reason why the smaller loans ended up charged off.