davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

Ditech mortgage has been charging me escrow since XX/XX/XXXX. my taxes were always paid by me. They have overpaid the City of XXXX XXXX taxes 2x and are not correcting the problem. This all stemmed from a XXXX charge from DiTech on XX/XX/XXXX, I called to make sure it was it was cleared up because they said I did n't pay my taxes in which I did. I sent them proof. XX/XX/XXXX I paid my taxes and Ditech paid too. I specifically stated that I pay my own taxes and insurance from the beginning.I sent a letter showing a credit XX/XX/XXXX in the real estate tax office of XXXX. I told them not to pay the City of XXXX XXXX because they were paid. They paid anyway and charged me. I also have always paid an extra {$1000.00} extra principal. I can not get this straightened out as they keep overpaying my real estate taxes and refuse to send me a copy of a letter they sauy sent to City of XXXX XXXX for a refund. 
This is the worst mortgage company I have ever dealt with in 20 years. 
Please help. As of today they are charging me for escrow and the city has a XXXX credit of real estate taxes in my account.
Consumer complaint received 2016-09-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: NAM National Arbitration and Mediation (MD)

Some place called ADR GROUP keeps calling harassing me telling me I owe money from a payday loan from 2010 and that is I do n't pay it I will be arrested. They have not sent me a bill or any information concerning the debt. However I did pay them XXXX $ for 4 weeks because I was scared because they kept threatening me. They have even called my family telling them I owe money and that they are looking for me & they need statements from them.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: College Foundation, Inc. (NC)

XXXX is reporting in my credit file that I have an account with their company. However that is inaccurate information. College FOUNDATION acct # XXXX date opened XX/XX/1999 should be removed from my report is over 7 years old.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (OH)

Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) Based on the regulations above Equifax, LLC has yet to provide evidence of a credit application nor have they shown evidence in which these inquiries were used as apart of an employment application. Therefore, permissible purpose does not exist. These inquiries should be removed immediately. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Scheer, Green & Burke L.P.A. (OH)

XXXX XXXX I had an XXXX done at XXXX XXXX XXXX, OH. Their billing department submitted the bill to the wrong address on my insurance card ( XXXX ). In XXXX XXXX I was notified that this was in collections by XXXX XXXX of Scheer Green and Burke. I contacted my insurance company as well as XXXX XXXX billing department to have it billed again to the correct address. The insurance company denied payment because it had been more than a year since the service and requested that it be resubmitted a second time with proof that it was billed originally after service in XXXX of XXXX ( which I verified that all of this was accurate ). Despite explaining all of this to XXXX XXXX, she still threatened to place a lien against my home and take me to court. I have talked extensively with the billing department at XXXX XXXX and have been assured that they can not place a lien against my home for the mistake they made when billing my insurance. The current situation is that this was resubmitted to my insurance ( to the correct address ) with proof of the original billing to the incorrect address as of todays date XXXX/XXXX/XXXX.
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: EMPIRE MEDIATION SERVICES LLC (CA)

I have been receiving phone calls at work on my cell phone and somehow they call my parents home phone too. It is an automated machine that leaves messages that they are from the mediation department and that I need to " call them immediately to receive the proper documentations ''. They have threatened to garnish my wages and they supposedly verified my wages with someone at my job. They have refused to provide me with written documentation of whatever it is they are trying to collect on. I 've asked them numerous times to not contact me at any number they have of mine. My parents are furious at the phone calls they receive at home. They call me from different phone numbers as well. They call and hang up once I ask for their company name. They can not provide me with any details but insist that I pay them for something I do not owe! They are very rude and obnoxious. I have mentioned to them numerous times that I have filed for BK and they laugh and tell me I 'm full of XXXX! They refuse to disclose any pertinent information yet they insist on me paying them an amount so that they can send me the documents they have. I do n't know what they are talking about and I need them to stop harassing me at work, on my cell phone and most of all my parents home! They work with mediation department and they will be sending papers over to begin wage garnishments and it would be more than XXXX % of my checks! They mention payday loans from a company I have never dealt with before and that company is another debt collection agency! Yet they tell me its a cash advance. They continuously run my credit report without my consent as I get alerts when my credit report is ran. They also mentioned that a police officer would should up to arrest me if I did n't accept the paperwork being file. " Would you be willing to risk it all and be humiliated at your job? '' I want them out of my life! They mentioned if I have received any certified mail and I responded to them that if I did they would have return receipts. They have a physical address but those I do business with have my mailing address. I never received any documents from these people.
Consumer complaint received 2017-03-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

Over the past 10 years of home ownership my wife and I have had a mortgage with at least XXXX different lenders due to our mortgage being sold or refinanced. We have stayed in the same home in that time frame but have continually paid more than the minimum payment required with the goal in mind to pay more principle off our mortgage putting ourselves in a better financial position for future financial goals. Starting in XX/XX/2016, our current mortgage company, applied the overage of the payment we made as a credit to the following month 's payment of interest and escrow instead of applying the overage of the payment to principal for the XX/XX/2016 payment. As a result, our statement showed our payment itemization as 2 principle payments, 2 escrow payments, and 2 interest payments on the single statement in XX/XX/2016. This was very confusing at first because the second interest and escrow payments were not identified separately to show they were payments for the following month. I only discovered that upon calling to inquire about the statement. I realized at that point how important my record of payments was because there was nothing else to prove that I paid extra other than my record. ( the mortgage statement and my banking statement ) I informed the mortgage representative that I always want my overpayment to apply to the principle. The representative informed me that this was not an error on their part but simply a systematic software issue whenever there is a complete double payment on the mortgage. The representative then assured me that the issue was resolved and would not happen again. I was satisfied with the end of the conversation at that point. However, the same issue occurred again in XX/XX/XXXX of last year and 2 additional times after XX/XX/XXXX for a total of 4 times in 13 months. After speaking with at least 9 different representatives of the mortgage company including 2 different supervisors over 13 months, I have concluded that the mortgage company is incapable or unwilling to satisfy my needs as a customer. It seems to me that it should be basic good business practices for a mortgage company to apply all of any current months ' payment to the current month as it is paid in the current month to avoid any conflict. In other words, in my case payment should always apply to that months interest and escrow with all additional payment applying to principle. Applying any payment to any other month should only be done as agreed upon by both parties. My wife and I have never made such an agreement.
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Columbus Capital Lending, LLC, Miami, FL Branch (FL)

On XX/XX/XXXX, we made an offer to a house. We started the process with a Loan Officer from XXXX. On XX/XX/XXXX, he moved to another company, saying that he took our file and he will initiate it with a new company called Colombus Capital Lending LLC, well. Due to his transfer, he never started our file really, and started at Colombus. A commitment letter was sent by the lenders to all the parties. We had to close by first week of XX/XX/XXXX originally. By XXXX he asked for a first extension. We provided him with all the paper work through the whole process. Both parties, sellers and buyers were committed to continue. Extension was for one ( 1 ) more week, by then a second extension was required by the lender. For this second extension the sellers asked for an approval letter from the lender saying if buyers were approved or not. A new commitment letter was provided from the lender with new conditions, this documentations were supplied by us and conditions were covered. By end of XX/XX/XXXX a third extension was ordered. Every week was a different argument or paper needed. Nothing happened in the meantime, file came out of underwriter with a closing discloser sent by lender and signed by us. By XX/XX/XXXX a forth extension was waiting for a clear to close. Three ( 3 ) days before the scheduled closing date, XXXX asked us to pay 2 credit cards ( without interest APR ) and a complete lease of a vehicle to be approved. We paid almost {$6000.00} in payments in addition of course of appraiser and inspection. By XX/XX/XXXX, we received a denial latter because of employment time and accounts with balances. Which could have been easily the reason to deny us at the pre-approval stage, which was on XX/XX/XXXX. Now we have 6000 less plus 5000 of deposits given to the sellers and in jeopardy of losing. We dont recommend neight this two companies, since they both have a history of employees jumping back a forth. Currently, some employees of Colombus capital are in the process of going back to XXXX. If you want an advise? do yourself your homework on the requirements of each mortgage program and work for that, afterwards go to a real bank or a serious, more respectful private lender to start this important step in your lives. If you ask us today how was our experience, even if we had an approval of the loan, it was the most stressful and painful process in our lives. Families buying flight tickets thinking it was " this week that we close ''. Move boxes made. Do your homework before sitting down with someone who most of his/her salary comes from the commision of your loan. Loan officers make up to 3 % of the amount of your loan. Dont trust no one, is a tricky industry.
Consumer complaint received 2015-08-03
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: First American Solutions, LLC (TX)

Requested original lender ( XXXX ) to stop drafting funds from my account at the end of XXXX XXXX, as I lost my job and I wanted to create a payment arrangement. They said they could n't do anything until I missed a payment. I called my bank who placed a stop payment for anything being withdrawn by XXXX. I thought I had paid this bill in early XXXX. On XXXX XXXX, XXXX I was contacted by First American Solutions LLC and told I owed money for this dept. I stated that I did n't have the money to pay this and that I was n't sure it was my debt ( again I thought I had paid it ). I asked for proof they said they would send it. I also asked if I agreed to pay a smaller amount ( XXXX ) in two weeks to just make it go away if they could work with me. They said to call back but until I could call back to avoid the processor ( whom never came ) and on XXXX XXXX ( 4 days after I spoke with someone ) they drafted XXXX from my bank account. Without authorization. I had my bank immediately reverse the charge. I have proof of this withdrawl in the form of a copy of the electronic check submitted to my bank. 

I also sent a letter to XXXX XXXX XXXX on XXXX XXXX requesting proof of this debt or removal of this item from my credit report and for them to cease and disist contacting me regarding this debt if they could not or would not provide me with the information requested. ( I have a copy of the letter but have moved and it 's boxed up someplace ). 

They also contacted me around XXXX of XXXX as well but I did not answer and never received anything from the " Processor '' that threatened to stop by my house or place of business ( I work from home so if they came by I would know ) Last week I received a call from First American Solutions LLC again requesting payment I told them everything that happened two years ago and about the letter I sent in XXXX. The mans response to me was something along the lines of we would n't withdraw money from your account we do n't do that but if we did it 's perfectly legal. He also stated they sent proof 2 years ago, I said I did n't receive it and requested the information again and even gave him my email address. I have not received anything via email or mail since he contacted me mid last week.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX account XXXX Take the money. We are suing you. You can not charge someone money for their own XXXX. AMEX has an obligation to not facilitate charges that are inherently illegal or based on fraudulent receipts to cover the source of the money. 

You have ruined our lives.
Consumer complaint received 2017-04-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened a checking and savings accounts with Fifth Third Bank on XX/XX/2017. I have made a few cash deposits and two check deposits. Both checks were from my employer who banks with XXXX bank the checks are drawn on an account from there. The first check for XXXX cleared no problem the second for XXXX has been placed on hold. I deposited the check in question on XX/XX/2017 they want to hold the funds until XX/XX/2017. The reason they claim to be doing this is because of my account being new. I have already spoke to my employer and there is no problem what so ever on their end the check has already cleared their bank. The is no logical reason for the hold.
Consumer complaint received 2017-02-01
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ROC Asset Solutions, LLC (CA)

Called and threatened with legal action involving the state of California and that they referenced my social security number to identify me. They wanted me to confirm it when the called. I did not, suspecting phishing. 

I found out by Googling that they have a long history of scamming the public where people have logged the calls and conversation similar to mine. They have called me a number of times and use different caller ID numbers. The one today is : XXXX and they said reference case # XXXX. 

They seem to have a basic website that does n't look real. See : XXXX See : XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CURO Intermediate Holdings (TX)

XXXX service is on my credit report. I did a request for verification of a Speedy Cash loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the XXXX I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with XXXX. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from Speedy Cash for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research Speedy Cash. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about XXXX and XXXX. I ca n't find they are invested with each other. XXXX and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX XXXX called my home. He did give out XXXX was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to XXXX. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. XXXX had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that XXXX did get in contact with him to verify him as my lawyer. XXXX had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC (MA)

I was a victim of identity theft and there were XXXX accounts involved. I did not know of this till XX/XX/XXXX when my mother became ill and passed away I did a re-fianc on the home left to me. Upon running a credit check I found these XXXX accounts that were not mine and I started checking into and filed a fraud statement with all the creditors. I received 11 letters from the agencies releasing me from the debt and they were removed from by credit profile. I never received a letter from Security Credit Services but they did take it off my credit profile and I never heard form the again. In XX/XX/XXXX the closing date for my I home I learned that they had a lien on my home. I was upset as in the 3 years since I worked on this I never heard from them. On XX/XX/XXXX the fraud paperwork was sent to them and I learned that on XX/XX/XXXX Security Credit Services Sold this account to another agency and never released the lien in their name on my home. Since XX/XX/XXXX I have reached out to Security Credit Services by mail, fax and phone. I spoke once to a XXXX XXXX that was suppose to look into it and call me back but never did, my mail and calls after that were never responded to. Yesterday I was finally able to talk to a XXXX and explained the situation. I explained that it is not fair that they have a lien on my home for an account that they do not own. That statement was ignored. I asked for the owner who is XXXX XXXX but was told she is on vacation.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Hello I am disputing XXXX different hard inquiries on my credit report from 2015 from Citizen 's bank which are currently negatively impacting my credit. I have tried to handle the matter with the bank directly by sending a letter to dispute the inquiries with no response. I at no time during this period of time applied for credit with Citizen 's bank and there should be no inquiries reflected from this company during that time period. Therefore, I am asking to have these inquiries removed from XXXX of the major reporting bureaus.
Consumer complaint received 2021-10-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

A company by the name of XXXX XXXX XXXX  has been harassing the late XXXX XXXX XXXX and XXXX XXXX grand daughter and daughter and violating mortgage lending laws. 
They also shared the loan information with company by the name of PHH Mortgage in New Jersey. They are requesting a loan balance in some crazy amount and are not the party that is supposed to handling the reverse mortgage. The present amount is under a bank as we speak. And they are also engaging in housing discrimination and and slum lor behavior as the entity holding the address.We need the nonsense shut down now. Thanks so much.
Consumer complaint received 2017-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (NM)

Hunter Warfield has continued to contact me regarding a debt with " XXXX '' for which I have never been a part of. In addition, they have been sent a debt validation letter from XXXX after placing an account on my credit and have yet to get a response, although the collection attempts continue. The account shows payments made on it however I have never paid the company a dime. This is not my debt. I receive upwards of 3 calls a day to my cellphone and have started to get calls at a previous employers office for which I never gave the number out. On my credit report, it shows I am disputing the debt however, they continue to contact me.