davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (WA)

Ocwen loan is reporting to XXXX credit reporting agency I am 120 days late in XXXX XXXX, the house was sold in XXXX and I did not have a open loan with this company, they have not taken it off my credit report which is in direct violation of the Fair Credit Reporting act. They have a closed account stating 120 days late in the status area of their account on my credit file. This is causing us to be unable to fund a new home mortgage. I have filed disputes with XXXX and contacted Ocwen to be told they have to look into this and have 15-30 days, I have supplied copies of the XXXX information and the paperwork they filled 120 days after we sold our home in XXXX with our county tax accessor to prove my claims.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

For over a year Ocwen Servicing has stated my loan was delinquent, I have repeatedly informed Ocwen that I have a cancelled check for the full mortgage payment for every month on this loan. I have sent certified letters with copies of the cancelled checks and made multiple phone calls. Their response has been to send Pre-Foreclosure letters starting in XXXX 2016, which I responded to. I received the exact same Pre-Foreclosure letter in XXXX ( new date on letter was the only change ), which I responded to requesting a In Person meeting ( per page XXXX of their letter ), I then received the exact same letter in XXXX ( with a new date ), which I responded to again asking for a In Person meeting, additionally I had my attorney send them a letter also. And I have again received the exact same letter, which I have again responded to asking for a In Person meeting. I dispute that I am in any way shape or form delinquent in my payments, I can ( and have ) provided copies of cancelled checks. ALL correspondence has been sent via certified mail, and I have the signed return receipts, so I know they have received the information. Ocwen is beyond frustrating to deal with, I have spent hundreds of dollars trying to get them to respond to me in a way other than a computer generated form letter, all because some where along the line, THEY have made a error with my payments, and now I can not get them to correct the issue or even acknowledge my correspondence. I am afraid they will find a way to escalate the process and cause further monetary damage - I have resorted to sending my monthly mortgage payment via certified mail so I have evidence it was sent to them in a timely manner HELP!.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

We have been trying to get a modification on a XXXX mortgage since 2011. XXXX time we are told it has been written off, then yes it can be modified, then it has been written off, a {$60000.00} loan is now {$90.00}. They say it has been given to a XXXX party for collection, but ca n't give us the name of the company se we can contact them, they only ask how much money can I afford to pay it off, but I never have enough and it keeps going up. They will not accept payments, the interest rate is almost 13 %, they modified my XXXX mortgage but wo n't the XXXX and keep threatening foreclosure, I want to make payments on it, I want to keep my home, but I get a different story every time. The last denial was because the HAMP only modify 's XXXX mortgage, which is not true, HAMP will modify XXXX mortgages, but they did not research this. XXXX XXXX has been helping me through out all of this, she has made several appointments with the account rep ( since no one else can give us any information ) to no avail. We can not pronounce the persons name nor can I understand them, I have asked several times to speak to an XXXX to no avail. We need help, I have several letters over the years, some stating that a modification is available. Please help me with this matter
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

My mortgage was transferred to Ocwen XX/XX/XXXX. I did n't realize until later that my mortgage was a ARM, nor do I remember agreeing to an ARM. I would never have agreed to this, knowing how the lender can adjust my rate whenever they felt like it. I applied and was approved for the HAMP ( Home Affordable Modification Program ) XX/XX/XXXX. XX/XX/XXXX I was informed that I no longer qualified and my mortgage would be adjust from a 1 % to a 4 % interest rate beginning XXXX XXXX, XXXX. Since then my mortgage has been adjusting every XXXX months. Then on XXXX XXXX, XXXX my mortgage adjusted from {$1200.00} to {$1300.00}, in XXXX months time. I have tried to apply to reenter into the HAMP again or have my mortgage set at a Fixed-Rate, but was denied and I was not given an explanation as why I no longer qualified. I 've never been late and I have always paid the full amount owed. I received a letter that my mortgage will again adjust to a 5.5 % rate, which will make my monthly payments {$14000.00} +. I ca n't afford these payments and have requested assistance to no avail. I would like someone to assist me in getting through to Ocwen with helping me to keep my home.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

A loan was assumed by LITTON LOANS/OCWEN and the loan was PAID IN FULL on or about XX/XX/2010. 

Litton continues to report MONTHLY PAYMENTS as accruing, giving the impression on review of a credit report that there is a PRESENT DELINQUENCY. There is not, as NO MONEY IS OWED to Litton.
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MD)

I have a mortgage with M and T Bank for 10 years. The house appriased for XXXX when I bought the house. I am still paying PMI after 10 years I think it should have been taking off when I reach XXXX % LTV {$91000.00} which I am around XXXX now.
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (VA)

I was taken by ambulance to the emergency room in XX/XX/XXXX in XXXX Maryland. I paid for the hospital bills as well as the ambulance fees when they were billed at the time at my address. 

As of XX/XX/XXXX I am receiving calls from XXXX now that I owe {$100.00} to a doctors ' billing company. XXXX claims that the billing company could not locate my address, even though the other bills came to my address with no problem. Also, the 'old address ' that XXXX XXXX the contact at XXXX, claimed they were using to try to bill me is a totally inaccurate address pieced together from some of my prior addresses. 

XXXX filed a collections report with Equifax in XX/XX/XXXX - long before I 'd been contacted or had any chance to verify their claims and settle the matter. As XXXX explained to me - they were unable to find an address or any way to get a bill to me. There is no way a collections charge should be applied to my credit score for a charge of which I had no knowledge.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

At the urging of a store clerk at the XXXX XXXX Kohl 's, I opened a Kohl 's charge account in order to save extra money on a purchase. I purchased something in XXXX 2015, but never received any bill. In XXXX XXXX, 2015 Kohls ' called and said I was late with my payment. I immediately payed the bill with them over the phone and asked if there would be any adverse impact on my credit report. They said there would not be, but they apparently reported the overdue balance to the credit bureaus a day or two prior to calling me,
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (NY)

Two years ago XXXX, we applied for the First Home Club savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the First Home Club program that would have disqualified us from being accepted into the program ( One of us was a XXXX within 6 months of enrolling ), yet M & T approved us anyway. We were never shown or had access to a document that listed this condition, yet the representative that we worked with, filled it out for us, marking that we met this condition, without confirming with us if that was accurate. He had us sign what turned out to be the XXXX page of that document, and never showed us or had us initial the XXXX page. As a result, now that we 're ready to move forward with our mortgage, we were told by M & T that it was very unlikely that FHC would approve us for the grant that would give us an additional {$8000.00} toward closing costs. We were told by M & T that there was little they could do, despite the mistake being theirs.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XX/XX/XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (WI)

My name is XXXX and I have already file a complain with CitiBankI. Case number : XXXX on XX/XX/2017. CitiBank answered that I was treated as many other clients and this is the reason that they denied my request of not paying late fees and accrued interests. I believed CitiBank did not acknowledge any of the points in my written complain. Therefore, I would like to contact them again and I would like CitiBank again to consider a solution to my debt credit situation. 
1. I requested from them to send me a paper bill which they have not done. 
2. I keep paying my debt every month more than {$500.00}, even I considered this debt to be unfair. 
3. I tried to contact XXXX, Citibank representative. I left my phone number and I have received no calls from him so far. 
4. Again, you have my letter and my plead to Citibank, I hope we can find a resolution in benefit for both parts.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (GA)

ZALES Jewelry is charging me 28.99 % interest on their card. I owe them {$2200.00} and my monthly payment is {$78.00} monthly..I pay in interest per month a whopping $ XXXX..At this rate I would pay this loan off in 13 years and paid them $ {$6200.00}. This is predatory lending..They are located in a mall a public space and they should be subject to the fair lending laws and people should be warned of their practice XXXX they buy jewelry for their love ones because they are easy to be taken advantage of in the love state of mind.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: SYNCHRONY FINANCIAL (CA)

Back in XX/XX/2011 I had to close an account because an ex of mine opened a credit card under my name without my permission. I was left to pay the bill, I did n't know until now that I could dispute the credit report. I was afraid he would of tried to make more purchases. He was trying to ruin my credit and he suceeded. I had to pay a lot on charges he made.
Consumer complaint received 2016-08-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (CO)

XXXX XXXX XXXX called me in XXXX 2016 regarding a supposed debt they purchased from Synchrony Back/ Care Credit. I requested that XXXX XXXX Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In XXXX I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court XXXX XXXX XXXX XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for XXXX. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for XXXX and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

I have XXXX credit card accounts with Synchrony Bank. I access XXXX online. Today I received an e-mail from Synchrony Bank informing me that someone had looked up my online account ID. A few minutes later, I received a notice that my password had been reset. These things occurred without my knowledge or consent. At all times, I had not disclosed the password to my e-mail account connected to the account, and I had my credit cards in my physical possession. Immediately after Synchrony Bank allowed this to happen, I was informed an unauthorized {$300.00} charge had been fraudulently posted to my account. I attempted to resolve this issue with Synchrony Bank, but of the three people I spoke with, none were able to explain to me how they had allowed my account to be so easily compromised. Because I have no confidence in Synchrony Bank 's security measures, I requested XXXX accounts be closed immediately. I want an answer from Synchrony Bank explaining how they allowed this breach to occur and I want proof that they will investigate and cause criminal action to be taken as the criminal had replaced my personal information with theirs, i.e., they have clues to investigate. XXXX could not provide this information or assurance. I feel my legitimate concerns were not taken seriously by the Synchrony Bank employees I spoke with. Further, they do not allow you to easily speak to a representative, but must first spend several minutes on a voice automated system. Their e-mail fraud alerts should contain a dedicated fraud hotline that you can call to immediately speak with a representative -- please see the attached e-mails, which ( a ) do not contain a customer service number to call ; and XXXX b ) do not allow a reply to a monitored e-mail box -- they only contain a mail address, which is absolutely useless in the event of fraud, where fast action is needed. This is inexcusable -- Synchrony Bank should absolutely make this information available IN EMAILS THEY SEND WARNING OF POSSIBLE FRAUD. I do give Synchrony Bank credit for notifying me of the breach, but the fact the breach was allowed to occur so easily is inexcusable and I ask that the CFPB please investigate and punish if warranted.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (GA)

My payment date is due on the XXXX. They are are charging a {$38.00} late fee to my balance if not paid on or before the XXXX. The XXXX is not my due date. I have moved to another state almost XXXX year ago and have had financial slow downs while getting re- established. I did not realize the were charging this outrageous late fee after the XXXX. In my industry ( XXXX XXXX ) the deadlines dates are XXXX that night as this is within the XXXX hour day. My account is has a {$150.00} balance with a {$500.00} limit. No warnings on my paper statement disclose payments should be received on the XXXX. I happened to see it on line when I made my payment this evening. I have been running late due to difficulty but when I pay on the due date, I should not be charged a late fee no matter what time of day it is. The bank can draft out funds from our accounts in real time so our payments should be able to count in real time within the XXXX hour due date time frame. This is robbery and should not be allowed even if posted in all caps and Bold on the statements. It 's even worse as it 's not clarified on the paper statements at all. This means that those who do not have internet access have no way of knowing before they see the charge that this is happening or why if they are paying on their due date. The 26.99 % APR rate and the {$38.00} late fee is thievery and the sneaky way they are getting it is criminal!
Consumer complaint received 2016-07-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

I am receiving calls from Conn 's Appliance Company at least 12 times per day which is ridiculous. I was late on my XX/XX/XXXX payment however, the payment was sent. I have had an account with them for over 3 years and this is the first time I have EVER been delinquent. I was late because of fraud on my bank account that has taken a while to get resolved and I am still in the process of that.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX
Consumer complaint received 2016-11-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (GA)

I had a home loan with the lender New Penn who uses Shellpoint Mortgage to service their loans. The rates dropped so I also did a VA streamline IRRRL with them. Since I am rated a XXXX Veteran, in the state of GA I do n't pay property taxes. During the processing of my loan the underwriter added taxes to my escrow payments. I 'm not sure where the amounts came from as my County Tax Assessor Office had already provided me my estimated tax amount which stated {$0.00}. So I provided that infomation to my lender and the taxes were deleted and the loan was closed. However, when the loan servicer, Shellpoint, received my loan and established my account, it showed that I owed taxes for the year totalling almost {$2400.00}. Since the loan had recently closed two weeks prior, I contacted the lender for assistance. The lender basically verified they had not provided the tax figures to Shellpoint since the amounts were not calculated into my escrow account, but only showed as a collectable debt against my mortgage account. Therefore, I contacted Shellpoint inquiring about the tax amounts and provided them with the same tax estimate I received from my County Tax Assessors Office and recently provided to the loan underwriter showing my taxes were {$0.00}. Basically, they responded by stating they would check into the issue. However, they stated it was my responsibility to provide any military documentation to my tax office in such matters. They also went on to remind me that since my lender did not include the amounts owed in my escrow account, it is also my responsibility to ensure the debt is paid per the terms of my loan agreement ( or they would place my account in collections ). At this point in time I am clearly at a loss! So I contacted both my County and City tax offices to reconfirmed my VA XXXX tax exemption status and received copies of my tax statements both showing {$0.00} with {$0.00} due. I forwarded both statements to the lender, New Penn, and the servicer, Shellpoint, with no response. However, since then, my account now shows a reduced amount due for my County taxes but the same amount due for my City taxes totalling about {$720.00} due versus the previous {$2400.00}.