davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (TX)

Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I entered into a loan modification with ocwen and was on time every month and was never late. Even before that was only 30 days behind. Was told 3 months and it turned into XXXX. Finally they sent me the modification loan after I did complaints. But the principle was {$13000.00} more than it should of been. It went back and forth and the consumer office told me to just sign then they would fix. I ended up just selling yeh house to get away from them and paid my loan in full. Now they have reported to my credit agency I was late for over a year. While I never missed the payment. They sent me my sector balance which shows {$3800.00} in it remaining after close but they 're saying that 's wrong now and I 'm owed nothing. I tried to correct credit report but they still are refusing to correct.
Consumer complaint received 2016-03-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Synovus Bank (TN)

I purchased a building on XXXX XXXX in 2003. The property is deeded to me and I am a XXXX My son secured a line of credit using my property as collateral. He applied for the loan using his credit and income but used my property as collateral. He is a XXXX and the bank took the collateral without properly searching the title. I have a sales contract on the building and I am unable to close because XXXX Bank will not release the lien taken on my property. I have spoken to XXXX XXXX of XXXX XXXX and his supervisor. They keep stating they do not have a fraudulent loan. The loan made was not fraudulent however they allowed XXXX to pledge property as collateral which he has no ownership. The lien is invalid. XXXX XXXX will not give me any information about the loan and initially refused to speak to me because the loan is not in my name. Which is true and why they should not have taken my property as collateral. I am attaching the original deed to XXXX and the deed filed by XXXX Banking in XXXX name.
Consumer complaint received 2017-02-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I sent a cashier check to Ocwen Loan Servicing in the amount of {$42000.00} to pay off my mortgage by certified mail, the money is just sitting in there TX office since XX/XX/XXXX, I called many times to see why this money was not applied to my account, I have never been late on any of my payments, I just want to pay off my mortgage, I do n't need this problem at XXXX it took many years to save this money Ocwen should be ashamed of the way they treat a good customer
Consumer complaint received 2017-01-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MD)

I never owed this company nor did I sign anything for them to try to collect this debt. This company XXXX is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DC)

My loan serving was transferred to OCWEN Home Mortgage effective XXXX/XXXX/XX/XX/2014. From this date OCWEN has not paid my property taxes from escrow on time. I have spent hours on the phone with them to ensure that my property tax is paid. Taxes have been due XXXX times since they took the loan servicing and each time they have been late and/or required significant effort on my part to pay the bill correctly. It appears that they do not know how to : transfer the funds to the correct place, track the funds, ensure the funds were received, or readily provide me with proof that the tax payments have occured on a specific date for a specific bill ( such as with an account transfer record number ). They also keep asking me to confirm my property 's Lot and Suffix number.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (DE)

I was a victim of identity theft XX/XX/2014. I reported this to the credit monitoring service and they assisted me in placing an initial 90-day alert, and then an extended ( 7 year ) alert on my credit file. XXXX and XXXX placed the alert and included a consumer statement regarding the fraud. Equifax should have received the information and also implemented the fraud alert, but I later found out it was not implemented. I initially worked with a monitoring service to place the extended fraud alert, but Equifax only placed a 90-day alert. I became aware of this in XX/XX/XXXX when I received communication from Equifax. I contacted Equifax directly to place the extended alert, and provided them with the supporting information for the alert. Since then I 've received more requests for information, and when I provide the information I get another request. Some of the requests are for information I 've already provided. Talking with the Equifax staff is no help. It is a repeat of me providing information and nothing happening. 
I need for Equifax to implement the extended ( 7 year ) fraud alert with the consumer statement I 've requested. One reason is that there have been fraudulent attempts to get my credit file, so I need the protection from the potential fraud. XXXX and XXXX have handled this very efficiently, but Equifax has something seriously wrong in their process. At this point I 've received another request for information from Equifax that is for information I provided in XX/XX/XXXX. 
Any help you can provide in getting Equifax to meet the requirements of what they are required to do in cases of identity theft would be greatly appreciated. 
One additional thing to report. Equifax sent a letter by mail to my home but addressed to another individual that does not reside or have any ties to my address. I put the letter back in the mail without opening and marked it return to sender.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

My complaint is on Santander Consumer Bank. XX/XX/XXXX Santander Consumer bank stated a false and misleading statement. I called stating that I sent a payment in but still have n't noticed it changing in my Satander consumer account portal and that I did n't want it to effect my credit. Santander employee stated that he would defer my payment so that the payment can come in heals of stated that he would submit a credit dispute on my behalf and stop any late payment from being reported. I noticed a late payment on my credit report I waited a month and half. Because this employee stated if a late is reported it can take anywhere from 30-45 days to correct. Today is 4 months later and Santander refuses to stand by there statement of removing the late payment.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DE)

1 ) Phantom fees on payment history from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX totaling {$1500.00} need to be explained and refunded. 
2 ) Forced place insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX was {$2500.00}. It was reversed on XXXX/XXXX/XXXX after 3 months. Three months of payments should have totaled {$640.00}. I was refunded {$1700.00}. The difference between what I was charged and what I was refunded is {$130.00}. 
3 ) Ocwen unfairly and incorrectly assessed the value of my home. I had an appraisal completed in XXXX XXXX and the value was shown as {$85000.00}. When I requested a payoff in XXXX XXXX I was told that a new appraisal needed to be completed. The second appraisal came in at {$230000.00}. I disputed the {$150000.00} in 3 month appreciation and it took until XXXX XXXX for another appraisal to be completed. The third appraisal came in at {$170000.00}. 
4 ) I was incorrectly charged shared appreciation of {$7900.00} as a result of the delay with the appraisal. The shared appreciation should have been {$0.00}. {$170000.00} - $ XXXX {$85000.00}. I submitted {$180000.00} of receipts for capital improvements. Ocwen accepted {$63000.00}. I am requesting that Ocwen honor the XXXX XXXX XXXX XXXX XXXX amount of {$48000.00} that was paid by Ocwen out of my escrow account. This would have resulted in a {$0.00} shared appreciation. 
5 ) There were to loan payoffs which were requested starting XXXX XXXX XXXX. I was not able to get a semi accurate payoff until XXXX XXXX XXXX.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9500.00} and {$9100.00} with a duplicate account reported as a XXXX and owe amount of {$8600.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I closed a Citibank account and made sure there was no out- standing balance. But Citi did n't take enough to clear a late payment penalty, which should not have been charged, and then in the following month it charged a late fee on the late fee -- in other words, a XXXX % in XXXX month penalty for a phantom bill.
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

On XXXX/XXXX/2016, I accidentally attempted to pay a credit card with my Citi Gold account, which had a {$0.00} balance at the time. On XXXX/XXXX/2016, I was notified that my payment had been returned and was assessed a {$34.00} fee. I then called Citi Bank to close my account with them and was assured that a ) this fee would be waived, and, b ) the monthly fee for XXXX would also be waived, in the event that it took until XXXX to finalize the closure of my account. Little did I know that on XXXX/XXXX/2016, the credit card company attempted a second payment from my Citi Bank account, which I did not authorize. This caused a second returned payment and fee, and prevented the closure of my account. On XXXX/XXXX/2016, I received a correspondence from Citi Bank informing me that my account had finally been closed and that I was " still responsible for paying the overdrawn amount referenced above '' ( {$33.00} ) and that my " account may have been referred to collections. '' It 's very distressing that rather than contacting me directly to discuss a matter that could seriously impact my credit score, Citi Bank chose to send an e-Communication ( not even a personal email ). In summary, Citi Bank promised me that my account would be closed in a timely manner yet they processed an *unauthorized* payment request and refused to waive the corresponding fee, delayed the closure of my account, and referred my account to collections.
Consumer complaint received 2016-03-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

On XX/XX/XXXX I downloaded my credit report. On the report I noticed a collections account with the name American Adjustment Bureau dated XX/XX/XXXX in the amount of {$110.00}. On XX/XX/XXXX I called the company for explanation of what this amount was for. I was told they could contact the hospital and get back to me. On XX/XX/XXXX I called again and was told they did not hear from the hospital but that I owed the money. Again I requested a statement for the details. On XX/XX/XXXX I mailed a letter formally requesting the validation of the debt with the details as to the services provided. As of XX/XX/XXXX I have never heard a response to either my phone calls or letter. If the debt is real I want a statement so that I can follow up with the insurance company as to why the bill is unpaid or pay with my XXXX account.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

In XXXX, I received a mailer from CitiBank to open up a Citigold Checking account with a promotional offer of receiving XXXX XXXX XXXX XXXX miles upon completion of their requirements. I signed up for the account using the mailer. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that the promotion was attached to my account. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that I completed all of the requirements, and would be receiving my miles within 60 days. After multiple follow ups via chat and telephone, and investigations being opened by Citi, I have received no response, and no miles. I have also been charged {$30.00} per month for this account that they have seemingly baited/switched me to sign up for.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX removed my truck loan payment history because I disputed late payments on all three credit bureau because I have never been late on a payment. I applied for new line of credit and a new credit card with my XXXX XXXX Credit Card program and XXXX credit card program in which I am a active member was turn down for transferring balance on new card due to length of time credit has been established insufficient credit history Not enough credit information. Thank you God bless you and your Family!
Consumer complaint received 2015-05-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I am Looking to file a formal complaint against Ocwen bank. All documents requested by Ocwen were submitted several times with conformation of acceptance. They have been using several stalling tactics with both payments ( Public Adjuster Fees / Rebuild monies ). 
They continue to give different answers and lie with every phone call made. The final inspection has been preformed and completed successfully at this date. Now again, they are asking for further documents that had been sent several times in order to issue payment for both the Public Adjuster / Contractor and homeowner. We are now left with no where else to go besides making a formal complaint against Ocwen. The repairs have been completed for XXXX month without any disbursement. As a consumer I would stay far away from this company, considering my current situation and stories I have heard about how they treat their customers.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

We were issued a Costco Citi card ( XX/XX/XXXX ) without our authorization when Costco ended its contract with XXXX. We did not want a Citi card and chose not to activate it until we needed to retrieve a credit from an earlier return. On XX/XX/XXXX we activated the card, and instead of finding a credit for {$30.00} we found one for XXXX! And had no idea what that was for or from. I called Citi to find out- was told it was just part of the transition from XXXX and the balance was correct. I called again the next day or so and this time pointed out in detail what my records showed- and that it was NOT a {$990.00} credit. Again I was led to believe it was all a legitimate transaction. We began using the card on XX/XX/XXXX for 1 charges, and not until XXXX for other charges. The figures continued to bug me and I call a 3rd time around XX/XX/XXXX or so, and asked the rep to walk me through that credit and where it was from. The response was pretty much the same : all part of the switch. We decided to spend down that credit then close the account. On XX/XX/XXXX we got a check from Citi for the balance of the credit. This struck me as odd, we did n't ask for it, or expect it. We deposited it in the bank and used it to pay the Citi bill that month. And on XX/XX/XXXX we get a notice from Citi saying the bank had made a mistake, the credit was an error and that we would be expected to pay it back- that charge would show up on the billing for XX/XX/XXXX. We called immediately and over several days have talked with 4 customer service reps - 2 of whom were supervisors. The regular reps can do nothing and really did n't understand the situation. When I explained the mis-leading and false info given to me during several phone call, and ask that the bank take responsibility for what were in fact 4 errors ( the initial deposit, the assurance of the correctness of the statements, the ignoring my insistence on the actual credit, and finally the sending of check for a credit as late as the end of XXXX ) and erase the charge from our current bill, I was told there was no way that could be done. The supervisor today denied that I had made any phone calls until XX/XX/XXXX when apparently I said the XXXX account was closed ... and said their records showed NO phone calls from me except the XXXX one and the one on XX/XX/XXXX. My records do show I called when I said I did, and there is no record that I called on XX/XX/XXXX to tell them something that was not true -the Costco XXXX card expired on XX/XX/2016. 
I feel as if we are being scape-goated, and that I was lied to about phone calls that possibly were deleted from their records. We are in our XXXX and on a fixed income- I ca n't help but wonder if we are n't the perfect demographic for a scam! We have closed the Citi account and returned the cut-up cards to them. Once the Citi cards were issued in XXXX our credit score- excellent for 55 years, dropped several points. We are most distressed with Citi bank.
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC (NY)

I chose to go to XXXX XXXX XXXX. When I applied for my student loans, it happened so quickly that I was n't even sure of what I signed. I was also told that through an XXXX program XXXX credit- I would have some, if not all, of my tuition reimbursed if I kept a grade level above XXXX which I did. That program then magically disappeared once I got in the door. I was told that ny student loans would go to XXXX XXXX and then they would be split between federal loan institutions. That did n't happen. Some of my loan when to XXXX XXXX, and the other part went to XXXX XXXX - a collection agency and private lender. Since they are a private lender, my interest rate is above 10 % and they refuse to work with you on lowering payments. This was a HUGE issue when I graduated. I called and asked when my first payment was due, and was originally told XXXX. a month later I received a call that my loan was in default and I had n't made my first payment that was due in XXXX. I explained that I had called and was told my payments were due in XXXX. They refused to listen to me, or work with me. I ended up owing over {$500.00} for my first payment with them because they refused to work with me. I could n't eat for a month because I had no money. 
This was above and beyond predatory lending on XXXX 's part and on XXXX XXXX ' part.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Since XXXX over and over and over at huge expense have sent proof that XXXX XXXX is gone, forever! Despite receiving the XXXX of XXXX letters, still they put XXXX XXXX on and the XXXX XXXX XXXX for the same exact student loans. XXXX XXXX IS GONE FROM MY LIFE FOREVER, THEY SHOULD NOT BE IN ANY WAY ON ANY OF MY CREDIT REPORTS. Instead it continues to say something like " transferred to another office. '' We all know XXXX XXXX in bed with XXXX XXXX but THEY ARE NOT ANOTHER OFFICE OF THEM. XXXX of XXXX owns the loans, they are XXXX, and they are closed. The only thing that should be on my credit reports is the XXXX of XXXX, period. and they are all XXXX, and they are all closed. XXXX of XXXX said XXXX XXXX would be off last XXXX XX/XX/2014 but there they still are on all my credit reports, like I have XXXX student loans. They are duplicated on every credit report. In addition, always in deferment yet on purpose XXXX XXXX has put " late payments '' AS IF! all gone! ALWAYS GONE! We all know what crooks XXXX XXXX is and I am sick of this when THEY ARE GONE FROM MY LIFE FOREVER. GET THEM OFF ALL OF MY CREDIT REPORTS AS XXXX SAID THEY WOULD BE BY XXXX XX/XX/2014.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (IN)

I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.