davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

On XXXX XXXX, 2008 the credit market for my MBS contracts/contracted was restricted to the wider credit market by this unknown alleged finance entity on record on my real property credit contract after " Tender '' under Federal law was offered to the unknown party removing them from contract with/for TILA rescission 15 U.S.C. 1635. I have been discriminated against based on my MBS contract to a wider market. This unknown party had to be removed them self 's so Tender could be offered. 
Tender was Offered if the procedures were followed. As such you do not get a House. Tender was offered you have no legal standing after Tender was offered by Federal Law.
Consumer complaint received 2015-10-29
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

I have been with RushCard for about 3_4 years now all of a sudden beginning XXXX of 2015 there has been an issue with me getting my funds into my account here it is again XXXX XXXX and again the same problem no funds from my job direct deposit been calling since XXXX XXXX no answer I have no money and XXXX kids what am I suppose to do mean while I did n't even receive an email or nothing please help me.
Consumer complaint received 2016-11-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

I received a debt collection letter XX/XX/XXXX for a debt from XX/XX/XXXX. This was the first I was ever notified of an outstanding debt, despite living in the same house until XX/XX/XXXX. I called CFSI to dispute the debt, and was treated very rudely and told to pay the debt. I requested CFSI verify the debt and the phone rep hung up on me. I called the original creditor, and was informed they did not show any outstanding balance or debts. I sent a certified letter to CFSI relaying this information and again requesting they validate the debt. Within three weeks of the date on the notice from CFSI they have already contacted the credit companies, yet not contacted me to confirm or deny the validity of the debt. There has not been any attempt to settle this matter, they are using strong arm tactics to get money any way they can. This is not right, and I will seek legal representation to protect my rights.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (MA)

I would like to file a complaint against Fay Servicing out of XXXX, TX. 
My loan transferred to them on XXXX XXXX, 2015 from XXXX XXXX Bank. XXXX XXXX transferred my loan with a lot of unanswered questions. 
I would like to know why my mortgage amount went from XXXX to XXXX, making it impossible to pay? Is that even legal? 
Also I met with some of President Obama 's Representatives from his XXXX Program at XXXX XXXX and XXXX in XXXX. They said that my mortgage was XXXX of the worst written ones they have ever seen. They said I bought my house for XXXX and have paid a quarter of a XXXX dollars for it so far and to make matters even worse, there is a balloon payment, a final payment for the entire amount of the note. How can my last payment be my entire amount of my mortgage? How could I even ever pay that? I 've paid XXXX for 15 years and owe more now than I 've even paid. How is that legal? They said it was purposely written so that I would never own my home. 
They also showed me where XXXX refinanced my loan twice and the XXXX settlements show my student loans being paid TWICE, totalling XXXX that are still on my credit report and never got paid. Where did all that money go? 
Why is it that no one is accountable for this? 
I ca n't get an answer from XXXX and in trying to, they escalated foreclosure against me. 
I have statements upon statements with astronomical fees applied for who knows what, since I have never been able to get an answer from XXXX. 
Fay Servicing says I owe XXXX. I 've already paid XXXX for a house I bought 20 years ago for XXXX. 
I ca n't get any answers from Fay Servicing and in fact they have escalated foreclosure against me. 
I am a single mother, I can not afford to hire an attorney to straighten this out and am very fearful that they are going to steam roll right over me and take my house since they have already started the process. 
I also reached out to the XXXX for help. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (DC)

I read XXXX review of most competitive checking accounts and decided to join Simple Bank. An issue arose when I tried to complete my application. Upon following up with Customer service, two separate employees let me know that Simple only offers accounts to U.S. Citizens. 

I inquired more about this policy and a member of the customer relations team reached out and declined to provide more information. I am a non-U.S. citizen legal permanent resident of the United States. I have legally resided in the U.S. Since XX/XX/1999. I have never encountered such a policy with an American bank. Simple Bank never sent me a notice to officially deny my application to join their bank.
Consumer complaint received 2015-10-21
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: BlueChip Financial (LA)

I requested spot loan to draft the full payment via e-mail below : Post the full balance for payment ... 
Thank XXXX : Help at Spotloan [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX, XXXX XXXX : XXXXXXXXXXXX : Your spotloanHey XXXX, Thanks for checking in on your loan. Your current account balance is {$140.00} and your next payment of {$110.00} is due on XXXX/XXXX/15. Remember, your account balance changes daily to reflect interest and, we require at least a 2 business day notice in order to make payment arrangements. 

Our hours of operation are Monday - Friday XXXX CST to XXXX CST and Saturday XXXX CST to XXXX CST. If you have any questions or concerns, do n't hesitate to give us a call or send us an email and any one of our Relationship Managers will be more than pleased to assist you. 

Spotfully yours, XXXX XXXXSpotloan Relationship manager/ Help XXXXXXXXXXXXXXXXXXXX
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I am the XXXX for XXXX XXXX XXXX XXXX. In XX/XX/2023, I set up an account with XXXX for credit card processing and on XX/XX/2023, I processed a payment for one of our customers. A few days later I got an email from Square stating that our account was suspended/deactivated and they would not process any more payments. The email referred me to their web site which had a lot of information on why the account might be deactivated, but nothing I could find was a reason for our deactivation. The email and online portal for Square said our funds were on hold for 90 days and they would be transferred to our bank account on XX/XX/2023. As of today we have not recieved the funds from Square. I can see the balance in the portal but the date of the transfer changes every day to the next day. And all of the transfer options are greyed out. I have called, emailed, and used their chat to try to get someone to help me. I can not get a person on the phone, I have tried many times, and every option refers me to the web site. The same with the chat option. I have responded to the email they sent me many times, ususally with no response back, or a canned response that didn't answer my question. The amount of the credit card sale was {$4000.00} and the amount they are supposed to transfer to us is {$3800.00}.
Consumer complaint received 2023-10-25
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

I have ditech mortgage company. I fell behind on my payments due to losing my job. Once I got my tax return and a new job, I was put on a payment plan of 4 months. I was told it could go up to 6 months. First problem was when I asked for 6 months they said ok and it would be reflected on my account in a few days. A week later it still wasnt. I was told to pay on the new plan anyway and set up payments with one of their reps for the next two weeks. They rep put the information in wrong. When I called in about it, I was told to make a payment that day and then I could be set up on a new payment plan for 6 months. I made the payment and now they are telling me they need another payment before they can put me on a new payment plan. The new payment is {$2100.00}, if I had that kind of money I would n't have this problem. Every time I call this company I get different answers from different people including supervisors. I think they are just in the business to foreclose on homes and sell them. Please do something about them.
Consumer complaint received 2016-07-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

Our mortgage was transferred from one company to another, both belong to the same parent company. We received notice from Stearns ( our original servicer ) that it would be transferring to Loancare ( the new one ) on XXXX XXXX. I never received anything from Loancare, even though subsequent research has told me it 's mandatory. We paid our final payment with Stearns via autodraft on XXXX XXXX, the mortgage due date. On XXXX XXXX we saw a second withdrawal from Loancare in the FULL amount of our mortgage. When we called Loancare they said they did n't see that taking place on their end but had heard similar complaints by other customers. When we called back hours later, they assured us they 'd be wiring the funds back to our bank and they 'd be there by XXXX. They still are n't showing up, leaving us basically in financial ruin for the weekend with a small child at home. I do n't know ANYONE that can afford to pay their mortgage twice in a week. This is completely unacceptable and given my findings into this company today, I am not alone in my treatment from them. They need to be seriously investigated and shut down. They had no authorization to access my bank account in the first place and lied when they told us they 'd be taking corrective measures. XXXX
Consumer complaint received 2015-10-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

The mortgage started with XXXX and was changed to GreenTree. My mother has since passed away ( XXXX 2013 ) but they still keep sending the statements in her name, even though they were sent death certificates XXXX. They would not work with my parents who live on social security and the mortgage was very high interest. They made payments every month and barely anything was put toward the principal of the loan. When they were facing difficulties, my mother called to try to get interest rate lowered or some other option and was told NO. My parents were in constant stress trying to make ends meet. Since they would not work with them, they had to file bankruptcy. Every time, it was declined by GreenTree. This is a modular home, not a regular house. They do not increase in value, they decrease. They want too money for this place. The house is in the XXXX bankruptcy in just my father 's name. He lost my mother 's income when she passed away. He was paying {$300.00} a month to the trustee and now they want {$450.00}! He has less income and they want MORE money. I handle his finances for him because my mother took care of that. This is the XXXX time for this bankruptcy. They are refusing to take what was paid in the past 17 years and want more money. The trustee wants to dismiss the bankruptcy. He tried to get a place for low income but was DECLINED because of this bankruptcy. What is he supposed to do? There is class action against GreenTree and I want him to be part of that. There are over XXXX complaints against them. He has very limited income and I feel this has gone on long enough. He wants to stay there for the remainder of his years. He is XXXX the lot rent also went up this year and is {$570.00} a month. This home is in a modular home park. It is not on its own land to give any value. I feel this has gone on long enough and this place should be considered paid in full. He certainly paid more than it 's worth.
Consumer complaint received 2015-10-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Ditech mortgage has recently ( XX/XX/XXXX XXXX ) placed a " Charge Off '' on my and my wife 's credit report for an account we never had with them. They took over Greentree, who had taken over the account we had with XXXX XXXX XXXX back in XX/XX/XXXX which is when we filed for and went thru CH XXXX Bankruptcy. That account was in our Bankruptcy, which was issued a Final Decree on XX/XX/XXXX, which is over 1 1/2 years ago and prior to Ditech servicing of Greentree accounts ( which began 2 months ago ). Therefore, we never had an account with Ditech and they should not be reporting our account as a charge off with them. They simply have never had any claim on us as the account with Greentree was closed and covered under the bankruptcy 1 1/2 years before they took it over from Greentree. Please have them remove this immediately. 

I have made several calls to have them correct their errors, but like all other mortgage companies, they do n't return calls. 

Ditech ( XXXX ) XXXX MINNESOTA XXXX XXXX XXXX, XXXX XXXX, MN XXXX they claim charged off $ XXXX was with 1 ) XXXX # XXXX, then 2 ) Greentree XXXX XXXX and now suposedly 3 ) Ditech XXXX XXXX ( full account number not reported by Ditec ) Thank you for your assistance. 

XXXX and XXXX XXXX
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

XXXX sold my mortgage to Nationstar. XXXX, 2014. From the first billing, I have been charged the wrong payment amount, the wrong interest rate. Can hardly get anyone on the phone. when I do they are very nice, but the problem is never resolved. I have put in numerous " contact me '' complaints on their website. They have charged me fees that I can not get answer as to what it is {$98.00} in XX/XX/XXXX and a late fee of {$25.00}. The late fee is std, but if they had been charging me the right amount I would n't be late. XX/XX/XXXX payment, I directed {$700.00} ... .their statement says they received {$600.00} ( and change ). I 've been in my house for 28 yrs and in less than a yr I feel they are trying to steal it and I 've never seen billing the way they have. Or interest only payments and {$10.00} charge to pay online. If they would just honor the mortgage agreement on the payments and interest. Now I have an attorney calling me and I 've received not one letter in the mail about foreclosure. One part of their site says I owe {$1400.00} and other says $ XXXX. I do not know what to do. I have n't been able to get springleaf to help either and I had a good history with them for 15 yrs.
Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (GA)

I got a letter from RCS on the XXXX/XXXX/2015. XXXX what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' XXXX XXXX and RCS committed fraud. Not one of these companies could tell me who was the lien holder are the not holder. The reason is there 's not one. Because I do n't owe any one any thing.I will send the contract to your service in a coulpe of days.
Consumer complaint received 2016-07-07
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PDQ Services, Inc. (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR PDQ, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR PDQ, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR PDQ, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR PDQ, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 

THIS DEBT COLLECTION AGENCY DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.
Consumer complaint received 2016-08-11
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: SRA Associates, Inc. (NJ)

I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: PNC Bank N.A. (NY)

While reviewing my EXPERIAN credit report, I noticed an unauthorized and fraudulent inquiry initiated by PNC BANK on XXXX/XXXX/2016. I did not authorize any employee of PNC BANK to review my records for any purpose at any time. I personally contacted PNC BANK and requested to have this adverse information deleted and also, to within 5 business days provide me with any verifiable signed documents that I may have signed authorizing this inquiry. To date PNC BANK has failed to provide me any documentation within 5 business days. This fraudulent inquiry is in clear violation of my civil rights under FCRA and PRIVACY Rights Act. As a direct result I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, Housing and/or obtain new credit due largely in part to the gross negligence of PNC BANK acts and omission.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the XXXX law [ XXXX 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Meade & Associates to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than Meade & Associates is to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization