davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me BAC never reaffirmed that I was paying.

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to BAC was discharged in bankruptcy and now was closed. TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to BAC. Judge allowed me to keep the property. BAC transferred the note to XXXX, who has a debt service contract with them. XXXX  assigned a new acct number.

I paid the back payments and then made every monthly payment.

After a year of making EVERY payment, XXXX transferred note back to BAC. BAC used the original loan number.

HOWEVER, BAC NEVER REAFFIRMED MY PAYMENTS. Sidebar : BAC also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow!

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Consumer complaint received 2017-08-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

I submitted my assumption application on a townhouse that my ex had lived in. He moved out at the beginning of XXXX XXXX. I started paying the mortgage on XXXX XXXX. After extensive repairs I submitted my assumption application to OCWEN mortgage company. The assumption application stated the transaction ( closing ) would take about 4 to 6 weeks. On week 6 I called for a status to be told the assumption department was running behind in its processing and it should not take long. On week 8 I called for another status and was told by the processor that the underwriter had the paper work and I should have an answer soon. I explained that I wanted to purchase another vehicle and I was waiting for the closing to go through before moving forward. The underwriter said it will not impact my credit report because it had been pulled and submitted already so it would be fine to purchase another vehicle. On week 11 I called and asked for a status on the application and the processor said he needed additional information such as where I worked, copy of pay stubs and new bank statements. All of which I had submitted before. I was promised that I would have an answer within days. On week 12 I called back again and there is no status. I have been paying the mortgage on the property since  XXXX XXXX.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning XXXX XXXX 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
Consumer complaint received 2017-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX a payment was made, {$1500.00} to my child school via Bill Pay with XXXX. On XX/XX/XXXX I was made aware by my child 's school that Regions had called them. A regions customer had received my check from XXXX XXXX and Regions had allowed that customer to deposit it into their account. Regions said that they could not get that customer to reimburse the amount to me and I would have to take the matter up with my bank ( XXXX XXXX ). on XX/XX/XXXX I called XXXX XXXX and filed a Bill Pay inquiry to have them resolve the problem and sent the amount to the correct company. On XX/XX/XXXX I received notification that XXXX XXXX would not be doing anything else to resolve the issue. They said that Bill Pay was sent to my childs school and that 's all they could do. As of now, XX/XX/XXXX my child is now past due on her account and I have not received the money due back to me from Regions from their customer. I am taking this as a fraud case since someone else was able to deposit monies, not meant for them, into their personal account.
Consumer complaint received 2017-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AZ)

Citi Card Services provides merchant services to Best Buy. 

On XXXX XXXX, XXXX I purchased on my Best Buy account ( through Citi ) a speaker for {$210.00}. A few days later I received a bill. The bill was paid and mailed to Best Buy Credit Services on XXXX XXXX. The bill was due on XXXX XXXX. 

The payment was processed and posted on XXXX XXXX ; 5 days after the due date and 16 days after the payment was mailed. Shortly after all mail was put on hold due to a scheduled vacation. 

Upon return of the vacation there was an XXXX bill from Best Buy Credit Services for a {$XXXX} late charge. A week or so later the XXXX bill arrived from Best Buy Credit Services for another {$XXXX} later charge and a XXXX cent interest charge for a total due of {$XXXX}. 

On XXXX XXXX I contacted Best Buy Credit Services ( Citi ) and informed them of the payment made in full and disputed all of the fees. They agreed to remove one late fee for {$XXXX} but none of the other fees. In order to avoid another late fee I made a payment of the total due, cancelled the card and informed them I 'd contact CFPB. 

Their reply was that they ca n't control the US Postal Services delay in delivering mail. The purpose of my complaint is to inform the CFPB of a possible tactic they are using to delay the processing of mailed payments in order to assess late fees on accounts. I believe I 've paid an amount that I was not obligated to pay but was forced to do so in order to avoid ongoing late fees and interest charges.
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malcolm S. Gerald and Associates, Inc. (VA)

Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

The service provider of my mortgage, Bayview Loan Servicing, wanted to initiate a modification of my loan conditions based in a Hazard Insurance policy added to my loan for an amount of XXXX XXXX/month. Bayview said that it was included to my mortgage due to the lack of answer from my Homeowner Associations to their proof of hazard insurance request. 

Once after Bayview acknowledged that they received the corresponding proof of Hazard Insurance from my Homeowners Association ; Bayview decided to remove the mentioned fee as per Bayview letters attached to my previous CFPB complaint # XXXX of XXXX XXXX XXXX. 

My loan was modified and signed by Bayview 3 years ago and adjusted to my XXXX XXXX income that to present has not changed and is still for the same amount. I can not accept Bayviews new loan modification proposal without a legal ground or proper reason. Bayview XXXX wants to increase my monthly payments progressively, change my mortgage interest rate from fixed to variable, and extend the number of payments from XXXX to XXXX making the current mortgage period from 24 to 33 years. 

Because I have not accepted these changes, Bayview has filed a foreclosure request on XXXX XXXX XXXX, and suspended it on XXXX XXXX XXXX. This seems to a way of intimidation and harassment. 

Frivolous foreclosure grounds : Bayview has filed a frivolous foreclosure on the XXXX XXXX XXXX district ( ( Foreclosure case # XXXX ) against my home using the false statement that I have not paid my bills since XXXX XXXX as a mean of pressure against me because of my denial to accept their modification proposal. Making a foreclosure of a home is a very serious matter. They should have started by asking me for proof of my payments instead. 

I am current on my mortgage payments to them as shown on my Bank statements sent to Bayview through CFPB on XXXX XXXX XXXX ( complaint # XXXX ), but even after receiving my proof of payment, XXXX hasnt closed the foreclosure case. 

Bayview has returned my XXXX XXXX mortgage payment to my Bank 4 times, and just returned my XXXX XXXX payment too, Bayview stayed in its answer to CFPB that they are unable to accept my payments because my home is in suspended foreclosure dated XXXX XXXX XXXX. Their foreclosure was based on the false allegation of lack of payment and I consider it falls into the range of frivolous foreclosure. 

I therefore request this foreclosure case to be closed in the next days, or I will be forced to start a demand according to Fla.Stat. sec. 57.105 to dismiss frivolous foreclosure action with prejudice. This situation is really affecting my health negatively.
Consumer complaint received 2017-10-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on X/XX/17.

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. C.M.S. is fully aware of this as indicated by them verbally and in writing.

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from X/XX/17 onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency CMS has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX Re:XXXX
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (ID)

Contacted company ( XXXX XXXX ) on XX/XX/XXXX to cancel services. Company stated they would cancel that day and that a final payment of {$110.00} would be taken XX/XX/XXXX for services rendered the previous month. They stated an email confirming cancellation would be sent. Email received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to confirm cancellation of services. Agent stated services were not cancelled and that she would do so immediately, and waive the final {$110.00} fee for XX/XX/XXXX for the trouble. She stated an email would be sent confirming the cancellation. Email confirmed to be correct on the phone. Email never received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to again confirm cancellation of services. Agent stated that for an unknown reason services were continued. Fee was removed for {$110.00} from checking account XX/XX/XXXX anyway. He stated he would reimburse the fee and officially cancel services and send a confirmation email. Both refund and email never received. 
At this point next actions to be taken will be that this complaint and a certified letter revoking authorization to illegally debit a bank account as well as a copy of a stop payment order from the bank will be sent to this company. Failure to respond to any of the 3 items sent will result in legal action.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

For the last 9 or 10 months of XXXX, I have not been able to log on the Site of Of Capitalone. They claimed It was XXXX that blocked the site. I reached XXXX and they told me they are not blocking the site. I also asked the best Computer Scientist @ our University and they couldnt see anything in the Setting. So No Access to site, No permanent phone and No statements I am in the dark. I have requested statement for all 3 accts and its been hap-hazard. Some times I get one or more but when I do its very late and the due date is days away. Recent attempts to pay by phone ( Public Phone ) have also failed due to the Phone Voice telling me the Credit card number I have entered is NOT recognized. Several attempts Like this end in failure for me.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I got a card from Citibank called Double Cash Card which offered me a promotion of 0 % APR for balance transfer for the first 15 months. I got the card and used it to pay my balance with the IRS and Maryland taxes. Then, the Citibank said that those specific transactions were not considered balance transfer and they charged me interests from the very first month. I checked their information about this card and they don't specify that paying taxes balances are not considered balance transfers.

This is not the first time I pay my taxes with credit cards that offer 0 % APR on balance transfer. One of those cards I have used in the past to pay my taxes was also another card from the Citibank. All of those cards have always considered taxes payments as a balance transfer I don't understand why the Citibank didn't do it this time.

As I said, I also checked the information the Citibank provides about this " Double Cash Card '' and they don't specify that paying taxes balances are not considered balance transfer.
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (GA)

The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

My wife and I request our free credit reports from the 3 bureaus every year since it first was offered. Our most recent request was XXXX XXXX, 2017. Neither of us have problems with XXXX or XXXX. My wife always receives her eperian report promptly.
However, I have a complaint about experian. EVERY year, they ask for " additional '' information on myself. Name, SSN, address, date of birth PLUS copy of government ID PLUS utility bill. They say they can not find me and offer " special offers ''. In other words, they do not want to give the free report, they want me to buy their products.
My wife and I have the same address and same accounts. I provided all requested info and document copies, but they still can not find me. This seems wrong to me. I have purchased my report in the past and they can magically find me. I think experian needs to be a more professional company. Of course, you ca n't call them and it takes so long to hear back when writing. Please help.
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OR)

Ditech Financial is the servicer for loan. The borrower XXXX XXXX in XXXX 2016. The borrowers estate had to go through the probate process as he XXXX with no will or trust. The probate attorney we are working with advised the estate should not make any payment to creditors until the notice period has been completed and an estimated sale date for the property is known. I have explained to Ditech the situation and requested all late fees and penalties be waiver because of the unique situation. Ditech has refused repeatedly to waive the late fees. They have claimed no one at Ditech has the ability to waive the late fees. I know this is not true. I was also told by Ditech that the investor of the loan, XXXX XXXX, had to be the entity to make any decisions on the loan. I called XXXX XXXX and they said the servicer, Ditech, has full delegated authority to make decisions on the loan. When this was presented to Ditech they said the late fees could not be waived. I am disgusted at how Ditech has dealt with this loan. Ditech also said there is a {$19.00} fee to pay by phone, but you can use a free option on line. When I tried the online payment the system said the account was not eligible for free online payment. I have a history of conversations and actions with Ditech over the past 8 months if you would like to see how bad their service is.
Consumer complaint received 2017-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding is reporting an account on my credit report. I filed for bankruptcy in on XX/XX/XXXX, and my bankruptcy was discharged on XX/XX/XXXX. This account was initially removed from my credit report, but was reinserted TWICE by Midland. It is showing a {$0.00} balance, but should not be showing at all per it is an FCRA violation to reinsert items onto a consumers credit report.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (RI)

I filed a complaint with CFPB against XXXX XXXX XXXX and OCWEN regarding a bait-and-switch situation during the closing of my mortgage. They baited me by assuring me during closing that I could at any time cancel my escrow account because I put 20 % down for the purchase. OCWEN switched by refusing to cancel my escrow when I asked them and they switched from 20 % to 25 %. This was not part of the original agreement in written and VERBAL form. After I filed the above complaint with CFPB, OCWEN retaliated against me by inserting a bogus note into my credit report. Their note ( which they admitted to in my telephone conversation with OCWEN ) showed up as an Alert to the Underwriter on a new loan that I am currently trying to obtain. Their negative comment on my report probably also affected my credit score by lowering it some 10-20 points. My credit report had been consistently above XXXX over the past couple of years.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Les Zieve (CA)

This complaint is againt LAW OFFICES OF LES ZIEVE. ZIEVE, BRODNAX AND STEELE, LLP HAS IMPROPERLY AND ILLEGALLY BEEN SENDING US LETTERS AND RECORDING NOTICE OF TRUSTEE SALE DATED XX/XX/XXXX RECEIVED XX/XX/XXXX FOR A SALE ON XX/XX/XXXX. We are with KEEP MY HOME CALIFORNIA FOR MONTHS AND ALREADY RECEIVED THE TENTATIVE APPROVAL AND XXXX  XXXX ALREADY RECEIVED THE APPROVAL LETTER AND HAD UNTIL XX/XX/XXXX and they have failed to communicate with us and keep lying and unethical saying they did n't know about keep my home California offer to bring this mortgage current and pay see are. keep my home California confirmed they sent all paperwork to XXXX XXXX. We had to reapply to keep my home California and working with them again repeating everything again and now this LAW OFFICE OF LES ZIEVE IS TRYING TO FRAUDULENTLY STEAL OUR HOME AND PROVIDED NO NOTICE and never Heard of this company or scam as we are working to keep home with keep my home california SO THERE SHOULD NOT BE ANY TRUSTEE LES ZIEVE FRAUD LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRYING TO BE A TRUSTEE. THIS LAW OFFICE HAS ILLEGALLY AND IMPROPERLY FILED PAPERS WITH RECORDER CONTRA COSTA COUNTY See attached
Consumer complaint received 2017-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

Money transfer via Western Union from my banking account at XXXX for {$650.00} was cancelled on XX/XX/XXXX. Western Union reports they released the funds. The funds have not been received - not in my banking account as of today 's date XX/XX/XXXX. Please investigate this compliant.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXX of Debt : $ XXXX of Debt : XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX