davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have continuously received several phone calls from Portofilo Recovery in regards to my XXXX XXXX credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. XXXX XXXX can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.
Consumer complaint received 2016-08-26
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

DO NOT USE MONEYGRAM. I sent XXXX to CA to a friend. I had the transaction go to review on a very time sensitive transfer even though I was told the transaction went through and the money was available. I had to answer 20 minutes of interrogation questions to finally get the transaction approved. This was MoneyGram. I voiced my concerns. My friend had to send the money back and again was told it went through but instead went to review. I found this out when I tried to get the money. I called 3 times, she called twice and was told that the transaction was in review and she had to return to the same Walmart for unknown reason. Worse consumer service I have ever worked with. Suspect they capture a lot of people 's money and never release it.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

I have been complaining about Ocwen loan servicing for a year now, they allowed a mortgage to be forged in my name, I contacted them about this, the dispute was resolved and Ocwen released me from the mortgage and bond, my name was removed from deed via a quit claim. Ocwen sent me a letter saying they would no longer report anything to my credit accounts with credit beurea. I have been seeking a mortgage and home for me and my kids and Ocwens now put the loan on my credit as a foreclosure, thus preventing me from obtaining a loan
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I was behind on my mortgage and received a letter as to the amount that needed to be paid to bring it current which was XXXX by the XXXX XXXX 2015. On XXXX XXXX, 2015 I sent OCWEN XXXX wire transfer they refused to acknowledge receipt of it. After a lengthy investigation a week later they finally admit to receiving it and ask for XXXX more dollars to bring the account current for the next months payment. I sent on XXXX XXXX, 2015 another XXXX dollars electronically after receipt of it they refused to acknowledge getting it and told me I still owed for the XXXX XXXX 2015 mortgage payment another XXXX dollars. On XXXX XXXX 2015 I sent another XXXX. I spoke with OCWEN today they tell me I still owe XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (FL)

I WAS LIVING IN AN APARTMENT COMPLEX WHILE I WAS IN THE MILITARY IN 2009 WHEN I LEFT THE XXXX AND WAS LEAVING I WENT TO THE LEASING OFFICE AND I ASKED IS THERE ANYTHING I NEED TO SIGN OR ANYTHING ELSE AND THE LEASING LADY SAID LOOK AT THE SCREEN WHAT DOES IT SAY AND GET OUT OF MY OFFICE IN A RUDELY MANNER IVE BEEN BATTLING WITH HUNTER WARFIELD BECUASE I WAS AWARE PER THE LEASING MANAGER I OWE NOTHING ITS BEEN 7YRS AND YET I OWE A XXXX BALANCE AND NOBODY CAN GIVE ME THE CORRECT INFORMATION
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

GMAC continues to report my account closed status dating XXXX for both mortgage and home equity line. I have disputed this in the past since both of these accounts closed XXXX. I have won the past disputes. I have documents and letters stating the true close dates of XXXX.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I pay a monthly fee for Equifax Credit Monitoring. I have tried Numerous times to get an updated credit report that Im entitled to on a daily basis ( per the agreement ). The website will not give me my report. I have called Equifaxs 800 number and spoke to people in XXXX ( totally unacceptable ) who dont have a clue and are useless. The Equifax representatives can not access my report either and they can not Determine why they cant access my credit report or why I cant do it online, Since they can not resolve the issue to get me an updated reports, I want a refund for my Credit Monitoring for 2 months and I want my credit profile fixed so that I can access future credit reports.
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

On or about XXXX XXXX I applied for a modification with Ocwen Loan Servicing LLC on one of my Rental Properties. All paperwork i submitted clearly told them the property was a rental property and I did not occupy the home. On or about XXXX XXXX, I was advised that I was approved for a modification and they required me to make ( XXXX ) reduced payments for the periods XXXX XXXX, XXXX XXXX and XXXX XXXX. The paperwork they sent stated that if I made the payments on time the loan would be modified. I made each prior to the due date and they were all on time and sent them Certified Mail after my third payment I contacted Ocwen and they stated I should continue to make the reduced payments and expect my paperwork be adjusted and a final documents sent to me. On or about XXXX XXXX, XXXX, I received another modification letter that said I needed to make the payment for XXXX XXXX, XXXX XXXX and XXXX.It also stated in error that I certified it was an owner occupied property. I immediately contacted Ocwen regarding the owner occupied error and payment error and they said to sign the paperwork and send the paperwork in and they would correct it. I was also told to continue making my payments. I sent the paperwork in Certified Mail and continued making my payments via US Certified Mail. Each month my payments were sent in before the due date for the following month. On or about XXXX XXXX, I received a letter form Ocwen stating they are returning my payment because it did not satisfy the Re-Reinstatement amount. On or about XXXX XXXX I sent the next payment in which crossed their letter in the mail and it was cashed. On or about XXXX XXXX, I sent another payment in which they returned. I contacted Ocwen in XXXX XXXX when I received the letter and was told they had not received the paperwork. I forwarded them a copy of the Certified Mail Receipt stating that they did in fact receive it in XXXX XXXX and they stated because they lost it they never received and to resign the paperwork and re-send it. On or about XXXX XXXX, I resent the paperwork via Certified Mail. 

Each month Ocwen sent me a loan statement reflecting a acceleration of the debt. 

I did not hear anything from Ocwen other than the above loan statements until XXXX XXXX, when the loan statement indicated I was now delinquent {$9000.00} and the loan was subject to foreclosure. Within two days, I received a letter signed XXXX/XXXX/XXXX form Ocwen saying my modification was approved. The approved modification had the page removed that I crossed out owner occupied and marked non owner occupied, and now they state the loan is delinquent.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

After reviewing my consumers report, i noticed that there were a few accounts listed that do not belong to me. Here are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

My wife and I worked on a refinance out of an OCWEN loan in to a new loan from loan Depot since XX/XX/2016. As the process neared completion XX/XX/XXXX, OCWEN has now refused to endorse the loan to a new lender and will not provide allonges in order to complete the process. Quoted response from Ocwen here : " I 've been advised by our legal counsel, that it is legally valid to prove ownership, and I have been instructed not to provide any allonges in case such as this one. I understand the lenders concerns, as I have heard this from a number of other lenders, however this is our position, and it is not negotiable. '' We are now told that the approved loan that has been delayed for months is set to expire in days with no rationale from OCWEN on why this is an issue at all as it endorsement it or allonge is standard procedure. I have asked numerous times for an update but have heard nothing from OCWEN.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (HI)

I filed a complaint with the CFPB on XXXX/XXXX/15 concerning trouble I am having with my loan servicer, Ocwen Loan Servicing. In it, I detailed many problems I am having with their latest loan modification offer and gave reasons why it is totally unacceptable. ( Case number : XXXX ). Their loan modification gives me until XXXX XXXX to make my XXXX payment, but in their response to my complaint, they say they will not respond to it until XXXX XXXX, and to check back in as many as 60 days to see their response. As you can see, this is a problem, as in my complaint I have asked Ocwen to reconsider these XXXX terms and unsustainable monthly payment amount to something that is more reasonable. If they are unable or unwilling to respond to my complaint in a timely manner, than I ask that Ocwen extend the time for me to make my XXXX payment until XXXX XXXX, which is the same amount of time they are saying in which they will get around to responding to my complaint.
Consumer complaint received 2015-03-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

My mortgage in currently serviced by Ocwen. I applied for a Modification and began making payments under a trial period in XX/XX/2014. After turning in at least XXXX separate financial statements, numerous documents that needed to be notarized, XXXX different account agents, and 10 months of payments I was served with foreclosure paperwork. I was told when I started the Modification Process that Ocwen would help me lower my payment and apply " capitalization of arrearrages '' to my loan to make it current as soon as my trial period was over. Now almost XXXX full year later, and {$12000.00} in payments I am told that I am 3 months behind and my modification will not be approved unless I pay {$3100.00}. I have called weekly and spoken with Ocwen about the status of my account, and was repeatedly told everything was fine and I was current on all my payments. Upon speaking with my agent today I asked what I was supposed to do as I do not have {$3100.00} and I was told the modification would not be completed because the investors would not approve it and that is all she could tell me at this time. I have done everything Ocwen has asked me to do. Completed every payment they asked me to make during the trial period, turned in all the paperwork.
Consumer complaint received 2016-08-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America did receive written Notice via Certified Mail that the alleged mortgage debt was in DISPUTE in accordance with FDCPA guidelines. The Bank failed to validate the debt within 30 days as required by the FDCPA, therefore admits to not being a party of interest, and can not collect on the alleged debt. 

Despite receiving subsequent Notices, the Bank has continued to report an unvalidated debt to the credit bureaus in violation of the FCRA, and has not removed the lien as required. The Bank is also violating the Uniform Federal Lien Registration Act, which states that the Notice of Lien requires that the notice be certified and signed by the Secretary of the Treasury of the United States or his or her delegate. The Bank would need to provide the documents evidencing they have that have a bona-fide written signature showing authority for lien attachment. A signature stamp, with no first or middle name, or with one initial and a last name does not constitute a bona-fide signature or bona-fide presentment.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

Navient at no time helped me to reduce my payments to income based. Due to that I am not over a XXXX dollars behind. Anytime I would contact customer service, they would state that I based on my income I would have to pay nearly {$300.00}. I only have XXXX loan with them and over XXXX in federal student loans. The federal loans allow a lower payment based on my income, nowhere near the {$300.00}. I constantly get calls from them Morning and night even after XXXX, and XXXX and XXXX. They say they will work with me, but I have to somehow pay the {$1200.00} and they know I can not do that and all they tell me is you need to or you will always stay behind and it will be reported to the credit bureaus.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

On XXXX 2016 and subsequently on XXXX XXXX, 2016, I submitted and supplemented my loan mod application to Caliber Home Loans which they acknowledge receipt of a full and complete package on XXXX XXXX, 2016. I was told that they would contact me with a result and/or if they needed additional information to supplement my request for modification. 
I received two letter after that, one dated XXXX XXXX which is the SCRA notice letter and another letter dated XXXX XXXX, 2016, telling me I was in default of my loan and that I needed to pay. Nothing regarding the status of my loan modification. On XXXX XXXX, 2016, more than 60 days after submitting my request, I was told that my modification was denied on XXXX XXXX, 2016. I was not notified of the denial and was told that they could not talk to me.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I had opened a New Credit Card Visa with Barclays Bank, i made a payment of {$2100.00} they took it from my checking account yet did NOT apply it to my card and are holding it.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MO)

On XXXX XXXX, 2016, I sent by certified mail/return receipt requested a request for information of the identity, address and other relevant contact information about the owner of my mortgage loan. The certified main was delivered to M & T Bank on XXXX XXXX, 2016. M & T Bank acknowledged receipt of my information request on XXXX XXXX, 2016. I have not received a response to my XXXX XXXX, 2016 request for information.
Consumer complaint received 2016-07-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (MO)

I have asked Financial Control Service to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

in XXXX 2014 I made my mtg. payment. it was n't until XXXX or XXXX they informed me that I missed my XXXX payment. I have since spent months trying to resolve this. I have sent my bank statement showing I made the payment and they took my money. my bank even sent them proof of payment. but Ocwen 's response is they are trying to find out what they did with the money. in the meantime i 'm receiving late notices still, my credit has been trashed, and they are taking late payments. they refuse to fix my account. why am I paying for their mismanagement of funds. I informed them I am filing a lawsuit against them and will not play their game any longer.
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I opened an account with PayPal and I used the account exclusively to sell on XXXX. 
In XX/XX/XXXX, PayPal suspended my Account. 
Paypal suspended my account for alleged violations of their rules. 
I followed their rules to the letter. 
At the time, my Account contained XXXX. 
PayPal informed me that my funds would be held for 180 days. 
On XX/XX/XXXX, the entirety of my funds were inexplicably transferred to PayPal. 
PayPal Withdraws All Funds and Suspends my Account Without Justification. 
I made several good faith inquiries to encourage PayPal to return my funds.
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MO)

I received a first communication dated XX/XX/XXXX with a settlement offer for an alleged debt. Hidden on the back was the required right to dispute within 30 days. I did sent a letter to dispute and request full validation on XX/XX/XXXX. It has been over 30 days and I have not received anything from this unknown company. However, since that letter was sent this company has reported it to the credit bureaus which they should not have done until the validation was received. They reported it approximately XX/XX/XXXX as disputed so they obviously received the request for validation and dispute. Copies of their notice and my reply are included.