davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Dear CFPB. I am writing you in regards to my current housing and income situation, as I am on the verge of becoming delinquent within months on my mortgage. Years ago, I ran into similar trouble, and my XXXX mortgage holder put in place a permanent modification which I still have today, with out asking me to first go delinquent. My XXXX trust holder provided a temporary solution in place which the interest rate has since increased last year and again next month. My loan is now owned by a different servicer, Ocwen. I also no longer have the same job and am with a new company since XX/XX/XXXX, taking a significant pay cut. My wife also begins school next month, which I took out a loan from my XXXX to pay for the first year. At the same time, we are still paying for a large medical expense for her. As a result, I filed the necessary paperwork for a loan modification, as I wish to keep our home and continue paying on time. I am on time now, but unfortunately that will soon change as I exhaust all funds. We are living check to check and by credit cards now. 

My current loan servicer is Ocwen. On XX/XX/XXXX, I completed the application for mortgage assistance and sent it electronically by close of business. On XX/XX/XXXX at XXXX, I received a call from Agent XXXX at Ocwen. Truly, I am not sure why he called as he spoke about payment options if I wanted to apply for a modification. I told the agent I had already applied. He said " oh, let me check on it. '' The agent told me that I was already denied because I did not meet the criteria to include being delinquent on my home loan. I told him I do not want to go delinquent and was instead seeking assistance in advance of that occurring. He then told me I was " twisting his words '' and that he never told me that I needed to go delinquent and that was only the investor 's guideline. I asked for the investor 's information and he replied he could not provide me, but would email it to me within 2 business days. I asked who I could I contact if I do not receive and was told " no one, but I will get it. '' I then asked to speak with the agent 's supervisor, which he chuckled at quietly, not realizing I heard him and apologized after I mentioned it. After holding for several minutes, the supervisor joined the call ( Agent XXXX ). I briefed her on the poor treatment I received from her agent, she apologized, but stated since I was not delinquent it was apparent I could make the payments. I responded by asking if she had looked at modification application, as she would have saw the XX/XX/XXXX job change and most recent pay stubs. She stated there was nothing she could do. 

I truly need the CFPB 's help to save my home. My income has decreased, my interest rate is rising, my bills are not going away, and I running into high credit card debt. I do not want to walk away from our home and wish to exhaust every chance to keep it. 

Thank you for your time and consideration.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

I have owned and lived in my house for 44 years and never had a problem making the mortgage payment. However, a few years ago my loan got sold to Ocwen Loan Servicing. they randomly sent out an inspector to my home in 2014 and he claimed that I had to redo my roof. Ocwen used this to try and justify cancelling out my insurance and forced me to use their insurance company, which cost way more. I could barely afford my payments when they did that, and in that same time period my wife had to have XXXX. I had a large co-pay and was not able to keep up and fell behind on the mortgage. Now Ocwen is dragging their feet and refusing to negotiate with me and pushing me into foreclosure. 

I tried on many occasions to make some progress with Ocwen to try and get them to remove their force placed insurance so I could get back to my more affordable policy but made no progress. I also tried to get Ocwen to work with me to restructure or modify my mortgage loan, but feel that I have run into a brick wall. I ended up hiring a third party to assist me with Ocwen, but after a year of providing documents over and over it feels like no progress has been made. I am semi -retired but still do electrical estimating work and my wife is receiving XXXX, so we have the means to make a fair mortgage payment. Our issue is that our mortgage company Ocwen created a problem when one did not exist and put their greed and profits ahead of the people who live in the homes they financed. My father built this home and I have lived here over 40 years. I never thought it would come to this. I just want to get back to making regular mortgage payments and put this behind me but have been unable to do so because of Ocwen 's failure to communicate and negotiate fairly.
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

On the morning of Tuesday, XXXX XXXX, I received a call from my homeowners insurance company letting me know my annual payment was overdue. This payment should have come from Umpqua Mortgage and was due XXXX XXXX. 

I called Umpqua to find out what had happened. I waited on hold for a long time, than eventually opted for the " get called back without losing your place in the queue '' approach. I finally received the call back at XXXX. The rep I spoke to made no attempt to investigate or solve the problem, merely telling me that she 'd pass my information along. 

On XXXX XXXX, I received a notice of cancellation from my insurance company. I checked on their website to verify that the insurance remained unpaid. It was, so I sent an email to Umpqua via their website. On XXXX XXXX I heard back from XXXX XXXX. Her email stated, in part : " I have taken care of the insurance issue. '' I asked to know what had happened and she said she would send the information in the mail. The premium remained unpaid, however, until I finally paid it myself late in the day on XXXX XXXX. Or maybe I should say I " re-paid '' it, since I had already paid the money to Umpqua as part of my escrow. 

Today, XXXX XXXX, I received a letter from Umpqua stating that they mailed the check on XXXX XXXX. There was no information concerning why they failed to pay prior to XXXX XXXX, why it took two hours to connect to a customer service rep on XXXX XXXX, why my phone call on XXXX XXXX resulted in no action, or how they intend to regain my confidence. As I write this I 'm out the {$640.00} insurance premium twice. I expect to eventually receive a refund of my payment from the insurance company, but in the meantime this has cost me money, time and aggravation. And now I feel like I ca n't trust Umpqua to do their job.
Consumer complaint received 2015-09-28
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX occasions, an individual named XXXX XXXX XXXX, withdrew over {$2900.00} from our USAA savings account, into his XXXX XXXX investment account. We contacted the FBI, Federal Trade Commission, and our local police department. They are helping with the situation. But, both USAA and XXXX XXXX has been uncooperative with investigating how an unauthorized funds can be wired from our account. We have the name, and the last four digits of his account with XXXX XXXX, XXXX. We informed the XXXX XXXX personnel, XXXX XXXX, of this information and the was extremely unprofessional, and rude. When we told her of the information from our account on the individual, she said they could not find the individual due to the size of the bank. As a Retired XXXX XXXX XXXX XXXX XXXX, Media outlets would contact me requesting information on a soldier with limited information. The XXXX being much larger than XXXX XXXX, never caused me problems locating the individual, whether they were in the United States or in the theater of operation. I know that with a full name and the last four of an account number, a database can initiate a query and locate this person. XXXX XXXX would not attempt to assist.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc. (CA)

Negligent, the dealer fraudulently signed contracts on my behalf to set payment dates. XXXX is the dealer and American first has done nothing to help me resolve this. I 'm taking XXXX parties to court for violating California XXXX consumer laws.
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

On XXXX/XXXX/XXXX at appropriately XXXX I contacted a male by the name of XXXX XXXX who had been harassing a friend in regards to a debt they say is from XXXX. XXXX XXXX of XXXX XXXX and XXXX stated that XXXX XXXX brought this debt from HSBC. He went on to say that they will be serving me papers for court to sue me and if I did not pay they would be garnishing my checks or seizing my bank account unless settled before court. I informed him I do n't recall this debt and how am I sure its mine he presented me with information he had and stated that its clearly is mine. I told him I am not sure of this debt. He went on to say that they will be serving me next week at my home or come to my job. On XXXX/XXXX/XXXX I called the number that he left. A gentlemen answered I asked who was I speaking to he stated XXXX XXXX I asked what is the name of this company he stated XXXX XXXX XXXX. I then asked for the address of the company in which he refused to give me unless I provided him with docket number. I feel as though this is a violation I not sure if one needs to give there docket number in order to receive the address of their business which should be public information. Please look into this.
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
Consumer complaint received 2015-09-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (GA)

A representative from Trans World Systems, Inc called my house at XXXX and asked for a XXXX XXXX. Caller Id said Toll Free Caller.The telephone number was XXXX. I told him that there is not XXXX XXXX here. I asked him why he was calling my house and he said to get in contact with XXXX XXXX. I asked if he was a debt collector and he refused to answer me. He told me that he ca n't. I hung up and dialed the number on caller ID. That is when I asked the name of the company. I asked him why he was calling my number and where did he get it? He would n't answer my questions. I told him that he can record this, " DO N'T CALL MY HOUSE ANYMORE. '' Then he asked me for the last XXXX of my phone number because he has XXXX numbers on his list ; I think he wanted to record me giving him my number. Obviously, he knew my number because when I asked him if he was a collection agency when I called back and he said he or his company called me looking for XXXX XXXX. Then he asked for my name which I refused to give. First of all, he has no right calling my house about any debt collections because I do n't owe anybody any defaulted debts. And even if I knew the whereabouts of a person, I would not tell them. Collectors answer no questions ; I answer no questions.Let them do their own work.
Consumer complaint received 2016-10-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I have an online bank account with HSBC. My ATM cards have been deactivated. 
I called customer service and they informed me I needed to re-apply for an ATM card ( this is for a savings account! ) because they are now using chip cards. After twenty minutes confirming my information, they said a new ATM card would be mailed to me. I have had no access to my accounts during this time. I was told I could go to an HSBC branch and could access my accounts while waiting for new ATM cards. After 10 days, I attempted to go to the a physical branch. I was told that I can not access my accounts at the branch, only online. I ask if they could issue me temporary ATM cards, or help me in any way. I was told everything must be done through customer service via their phone number ( which is NOT is the US ) or online. When you try to address issues online, you are again told to call customer service. 
It has now been over two weeks and I have no access to my accounts and have not received my cards, and have been told by customer service to " keep waiting ''. I am very frustrated that an account that purports to be HSBC has no means to address customer issues.
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: Sale of account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to XXXX XXXX. HSBC has been less than helpful in attempting to resolve this concern and continues to cause me more damage.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Our mortgage was bought by Ditech Financial, LLC. We have been trying to obtain a loan modification for the last four months and have been getting the run around since then. We have been assigned several representatives to work on our case. They have not contacted us to let us know where we are in the process. We can never get a hold of them when we call. We have been required to submit the same paper work three different times because they lost it. I am a XXXX vet currently serving in the Florida XXXX XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

On or about XX/XX/2023 I called XXXX XXXX and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and Experian. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to XXXX XXXX. In this notice it contains this same request and I'm requesting for XXXX XXXX to stop sharing my nonpublic information with XXXX, XXXX, and Experian.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FirstPoint Collection Resources (VA)

Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. 

I submitted a credit dispute with XXXX of the major credit bureaus and they began investigating. During this investigation I worked directly with First Point, providing them verification documents by email as requested, including the FTC 's identity theft affidavit and a copy of the related police report. 

Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. 

Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. 

I then proceeded to send police report and the other relevant documents by email to First Point. It took me sending these emails XXXX for First Point to " get them, '' the manager was never available to speak with ( always in a meeting ), and First Point has never in my interaction with them contacted me on their own initiative or informed me about the status of my collection account. All of this could have been avoided if First Point Resources notified me as they are required by Section 5 of the Fair Credit Reporting Act which provides that " if an agency declines or rescinds a block, it must notify you. ''
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shapiro, DiCaro & Barak, LLC (NY)

On XXXX XXXX, 2014, XXXX XXXX XXXX , XXXX was [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ). The recorded/filed Assignment of Mortgage currently being used was robo-signed by robo-signer XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX did [ n ] ot exist on XXXX XXXX, 2014 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of XXXX, XXXX on that date. XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, 2014. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, of Shapiro, DiCaro & Barak, LLC are attempting to foreclosure claiming ownership based upon the above referenced information and a robo-signed Assignment of Mortgage.
Consumer complaint received 2015-07-30
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (CA)

On XXXX XXXX, 2015 a collection company by the name of " Debt Recovery Solutions , LLC '' put derogatory and inaccurate information on my credit report. It shows that the original creditor was XXXX and the client was " XXXX XXXX, XXXX ''. It shows the amount was for {$310.00}. On the credit report it shows that the account was open on XXXX 2015. I have not opened any accounts with " XXXX '' in XXXX 2015. I was not properly notified per the Fair Credit Reporting Act, so I was unable to verify the validity or dispute the debt. This is in clear violation of the Fair Credit Reporting Act. The only notification I received was XXXX letter from Debt Recovery Solutions dated XXXX XXXX, 2015 requesting to pay {$230.00} by XXXX/XXXX/15 which is a settlement letter. This is another violation since the creditor put the inaccurate/derogatory information on my credit report and reported it to the credit bureaus at the same time. This action is a violation of my consumer rights and is illegal.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

We have a mortgage on our XXXX house which is a manufactured home. It is an adjustable rate of 8 % and it never goes lower. I thought it should have gone way down when the rates declined. My daughter has tried to purchase it and nobody will finance it for her. It is on a permanent foundation. It seems like the loan never goes down and is all interest since we bought the house. We refinanced over 10 years ago and it has hardly gone down. If manufactured homes are such a risk and nobody wants to finance them then why are they allowed to sell them in Ohio.