davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen has been misapplying my mortgage payments and then claiming that I am not making my payments, and, as such, have been notified of possible default. In XXXX 2015, they applied my mortgage payment to an escrow account to cover property taxes and homeowner 's insurance even though I was making timely payments and my account was not impounded. The biweekly program I have ( XXXX ) had a conference call with me and an Ocwen rep ; the XXXX rep told the Ocwen rep that they ( Ocwen ) had misapplied not only my funds, but also other customers '. This issue took many weeks to clear up, with almost daily phone calls from Ocwen. Recently, Ocwen took one of my mortgage payments to pay my homeowner 's insurance, even though I was paying it. XXXX has no record of having received such payment. Now, I find out that Ocwen returned my mortgage payment that had been sent by XXXX back to XXXX. I only found out because XXXX sent me a courtesy letter explaining that they had sent back the check to Ocwen. According to Ocwen, I am " behind '' two payments. This is the result of their error, not through any fault of mine. Also, approximately three weeks ago, i got a call from an Ocwen rep at XXXX XXXX. When I notified her of the time, she dismissed my complaint.
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NY)

hi good afternoon, I am VERY CONFUSED with what is going on with a letter i received stating that I owe money to TD Bank as of XX/XX/XXXX. Then having all my funds removed from my account this morning. I had my card switched out several times due to fraudulent activity and therefore was forced to change my pin, XXXX card, and had my savings account also closed off by the bank. I recently re started up a new saving account with less than XXXX in it. In late XX/XX/XXXX I was sent several fraud checks from an unknown source all in sum of XXXX XXXXXXXX. I ignored the checks as I can see they were fake and not sure how my name was put on them with my specific bank, however I DID report it to the bank source it came from XXXX XXXX  XXXX. As well as my bank and kept the copies. Later on during the months per usual i would check my account here and there to check my balance, and noticed that i had a amount in the total of XXXX  posted to my account and then taken out. I was very concerned and confused, so i contacted Td and made them aware of the incident. They said they would look into it, and give me a call back. So i let them to do their job a XXXX months later i noticed the account closed off so me not knowing anything i assumed they closed it off being that it was a solved closed case with no need for me to call them again as they said theyd call me back. No one ever called and told me ANYTHING about a debt collection for this account or about it being in a negative till my account with little than barely anything in it was cleared today leaving my remaining balance at XXXX in both XXXX XXXX XXXX I would like to re-dispute these charges once again as fraudulent activity as i am being told when speaking to a representative that it was never reported as fraudulent which i find crazy, if i did speak to a td representative about it prior to it happening. It was not i whom deposited and removed the money if it were id fully understand that it is my responsibility to pay it back, however it was not my doing, so i dont know why i am responsible to pay it back when i thought it was a closed case i notified the bank about. Also fighting to get my little bit of money i barely have in living cost refunded to me. I have attached the proofs in this email. Please let me know if their is anything else you need me to provide as i can not afford this money deduction that i already dont have in my account taken out.
Consumer complaint received 2017-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants and XXXX are attempting to collect money on an account that was paid and terminated. XXXX breached their contract with me by charging fees that were not allowed under our contract. I therefore terminated services with a {$0.00} balance. XXXX then tried to collect the monies allegedly owed for the remainder of the contract, i.e. {$820.00}. They have improperly reported these fraudulent charges to credit bureaus.
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

In XXXX I noticed a spike on my credit score and I did an inquiry. On XX/XX/2021, I did a periodic credit report check and found that my student loan account was listed as closed. I'm trying to find out what happened, who reported it as closed to cause the score spike. When I called Navient, they said to me, the account was not closed. I understand that. But what I'm trying to find out, what did Navient or the credit bureau do that caused the credit score spike? Today, when I called XXXX to find out what happened back in XXXX, they couldn't answer my question. Because my student loans were initially XXXX XXXX, I just want to make sure my student loan wasn't one of those account paid off and it's not being reported properly or I wasn't properly informed about the debt being paid off. I wasn't and haven't been satisfised with Navient 's response.
Consumer complaint received 2016-04-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We recently got behind in our mortgage payments due to health reasons, We tired to work it out with DITECH, by sending them a payment..which 3 wks later they returned..Spoke to them on the phone they said they needed half amount due..so we sent XXXX OVER that amount..3 weeks later they returned that payment..tried speaking to the again, and they said SORRY going into foreclosure!! SCAM for sure..trying to get MORE monies out of us!! PLEASE HELP!!
Consumer complaint received 2015-11-30
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (KY)

Bankruptcy CHXXXX in XXXX, last payments XXXX XXXX. Had acct XXXX XXXX in XXXX. Paid XXXX XXXX. I do n't remember this but Bankruptcy CR in XXXX XXXX showed another loan opened in XXXX XXXX for {$15000.00}. This XXXX not shown on XXXX XXXX XXXX. Payments were made to XXXX thru the court starting XXXX XXXX with last being XXXX XXXX. This acct not shown on XXXX XXXX XXXX. As of XXXX XXXX a new account appeared delinquent on XXXX from Ditech, opened in " XXXX XXXX '' last pymnt XXXX XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

This is a second complaint concerning Shellpoint Mortgage Servicing. Original ( XXXX ) was not taken care of. We still can not access our account. We still remain in Bankruptcy per their records. Customer Service can not or will not help. Bankruptcy Department does not respond to messages and does n't answer their phone. Absolutely noone can/will help at Shellpoint. We can not even verify what our XXXX payment should be.
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (IN)

XXXX Data Breach left me in financial Rouin. I can't apply for anything with out getting denied. This gross negligence of my consumer information has devastated my world and my finances. Even my Health.  I know have XXXX XXXX, XXXX, XXXX, and XXXX all due to XXXX Data breach
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

The Credit Bureaus are required to let me put a freeze on my credit report. I have been trying for several days to put a freeze on my Equifax credit report. When I enter the data in their online form I get an error. The is no number listed on their contact page for calling to freeze a credit report -- the links just go to the online form. When I call the fraud alert number ( XXXX ) all I get is a busy signal. 

I want to emphasize that this has been happening for several days. It is n't a one-time occurrence or short term outage.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NC)

XXXX XXXX has reported to the credit bureau, XXXX, the same debt twice in the amount of {$810.00} totalling {$1600.00}. The collections are showing on my credit report both times and are hurting my credit.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX is stating that I owe {$2000.00} for services with Synchrony Bank from 2013. Thy are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, XXXX I had ordered a new card through JP Morgan Chase 's telephone banking because the card I had was n't working correctly. I would have to swipe a few times before it actually worked. I never received the card I ordered and on XXXX XXXX I called back to customer service telling them that I still have n't received it. They told me the card was still being processed and there was a demographic change on my account causing my card to delay. They stated the only way to over ride the card was to go into a branch. On XXXX XXXX I went into the branch and unbeknownst to me she closed the card I did have. And only when I went to the market on the XXXX I found out the card was closed. She also stated that it would be rushed delivered. I went back to the branch on the XXXX telling them the closed the card without my knowledge and that I needed some way to get around for the weekend also I waited on all day on Friday to get the card and still nothing came. I waited as well on Monday the XXXX because they stated that it was past the issuing time that it was delayed by a business day. So on the XXXX XXXX called Corporate they did n't know why this was happening and to go back to the branch. I called the telephone banking spoke to someone in the fraud department and he stated he fixed the demographic hold on my account and would rush deliver no later than Thursday the XXXXAnd to call back in the morning to get a tracking number so I called the XXXX for a tracking number and they could n't give me one so this morning the XXXX called to get a tracking number so I can have an estimated time when it would be delivered. They told me to go into the branch and have them approve the override and to tell them to call consumer services to reopen the card I had that was originally giving me problems and the card I ordered on the XXXX was still being processed. Went into the branch and no one could help me. The personal banker told me to leave the branch or she would call the police on me that she could no longer help me. I told her to go ahead and to give me the district managers number because my card that I had was closed and all the cards I ordered have never been received or even shipped. And no one was held accountable for giving me the run around. It feel distrimated and be little by them. To be told they would call the police is a big threat I was n't violent or yelling simply want to resolve this issue before I go out of town next week. I have XXXX little kids if an emergency arise where I ca n't get to them because I have no card to get gas I would hold them accountable. I have all three emails stated I ordered a new card but my personal information is on it
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (PA)

I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX XXXX. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MD)

On XX/XX/XXXX, I was involved in a car accident ( No fault of mine ), and was taken by ambulance to XXXX Hospital. XXXX years later, I 'm receiving phone calls, letters for collection. I went to court, won the case, and all hospital bills, were paid, by my attorney, and my government health plan. The records have been archived, and I told the collection agency about the records, being archived, and they are asking for payment, when they 've been paid. The debt, was removed from my credit report, and was put back on XX/XX/XXXX. My credit scores, were in good standing, now they have dropped toa score I want removed and restore the previous scores. This company has violated the Fair Credit Collection Act, and I am thinking about suing this company for the aggravation and score reduction. Please have this removed, and I will pursue, taking action. Respectfully!!
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding LLC has continued to collect and alleged debt from me and call my job, without verification as requested. I have never had an account with this company and have sent them many letter requesting verification but to no avail. Now i am receiving threatening phone calls from their agents stating that they are going to send a letter to my job if I do n't give them a credit card number. This is not my debt and I do not have any information from this company.
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (OH)

IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with IQ DATA INTERNATIONAL IN Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt IQ DATA INTERNATIONAL IN purport I owe. I request that IQ DATA INTERNATIONAL IN Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt XXXX. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IQ DATA INTERNATIONAL IN Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: City Enterprises, LLC (TN)

Pace Financial in XXXX, TN is horrible & when your unable to make your scheduled monthly payment they call & say if you do n't pay by the end of the month your vehicle will be repossessed because we have to have it in here by the end of the month or it goes to managers review. They keep you on the phone when they call for XXXX or more mins lecturing you & repeatedly tell your hurting yourself & your car will be repossessed if you do n't listen to us!!! They have no compassion to your situation or circumstances!!! Def stay clear of this company!!!
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Direct Recovery Services, LLC (CA)

XXXX XXXX ( NOT SURE ), SAYING SHE JUST GOT THE COMPLAINT TODAY AND WANTS TO KNOW IF THIS WAS INTENTIONALLY IGNORED OR OTHER SITUATION. NEED TO CALL THEM BY XXXX. AFTER THIS, THAT WAS THE TIME AUTOMATED MESSAGE SAYING IT IS AN ATTEMPT TO COLLECT A DEBT BY DIRECT RECOVERY SERVICES. 
AND AFTER A FEW MINUTES CALLED ONE OF THE NUMBERS ON MY CELLULAR ACCOUNT WHO IS NOT EVEN ON ANY OF MY CONTACT INFORMATION SAYING THE SAME EXACT THING.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

I have been trying to get a mortgage modification for several months and keep getting my modification packet sent back to refile a new one for amazing inept reasons here is a time line for the last 3 XX/XX/XXXX Full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX Additional supporting documentation emailed to PNC 's attorneys as requested XX/XX/XXXX Letter of Explanation regarding tax returns emailed to PNC 's attorneys as requested XX/XX/XXXX Updated documentation as requested emailed to PNC 's attorneys XX/XX/XXXX Advised of removal from PNC Loss Mitigation  Program due to requested documentation not received ; however, the materials scanned and emailed on XX/XX/XXXX were exactly as requested and sent in the time frame requested. 
XX/XX/XXXX Advised that a complete new application package must be submitted before PNC would continue the review. 
XX/XX/XXXX Another full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX As requested, faxed 3 months of XXXX XXXX statements with page 4 of 4 unmarked and blank as received to prove that the statements were complete. 
XX/XX/XXXX As requested, we again faxed the XXXX XXXX statements ; PNC will not accept the fact that the 4th page is blank. 
XX/XX/XXXX With continued commentary about the XXXX XXXX statements from PNC, we mailed the original statements to PNC Bank Loss Mitigation to prove that page 4 of 4 is blank. 
the sheriff sale for my home is XX/XX/XXXX 13 days from now please help me save my home ... regards XXXX and XXXX XXXX
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

This company collects for XXXX XXXX XXXX Court, it was for an old red light camera ticket that I was never aware of. what happened is it came to my attention when they intercepted my state tax refund, then I contacted them and paid the remaining balance. I had paid this debt around XXXX of 2014 to XXXX. I asked XXXX several time for proof the debt was paid they would n't provide it. They did say the account would be reported as paid to the XXXX major credit bureaus. Later on 2014 around XXXX, a property management company pulled my credit for approval on a rental. They informed me of a negative item still showing. This alleged still outstanding debt. I contacted XXXX yet again, they informed they had done the reporting as paid. I informed them it is still showing, and it needs to be resolved ... Now this year I pull my free credit reports as allowed once a year and again ... This is account is still showing as a derogatory item on my XXXX report! This Company is in direct violation of the FCA and FDCPA. My attempts to resolve this with them have failed they are n't following through.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

Husband lost job on XXXX XXXX, XXXX. Last payment made was XXXX XXXX. Unemployment ran out in XXXX. We moved to XXXX to find jobs near daughter. Home was on the market since XXXX XXXX and we were working with OCWEN for Short Sale. Husband obtained job in XXXX, XXXX, but payments were severely in arrears. We have had two offers on the property ; first buyer backed out, second is still waiting. We have submitted everything OCWEN asked for and they have confirmed the receipt of these documents. We are still waiting for an answer to our buyer 's offer. We were served with foreclosure paperwork XXXX XXXX, XXXX.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I have a residential mortgage with OCWEN, and apparently the are skipping months of reporting my over 5 years of on time payments. This is the same mortgage company that were reporting my information religiously monthly when my payments were late over 6 years ago. I have contacted OCWEN prior about reporting my on time payment to the credit bureau. I believe this practice is unfair to consumers.