davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

XX/XX/2016 started loan application with CashCall Mortgage. By XX/XX/2016 I had provided them with all requested documents. The appraiser they selected cam out XX/XX/2016. The agent was telling me he had locked our loan at 3.625 % no fees and cash back loan 30 yr fixed. Said he needed all docs signed and sent back. I informed him he had not sent me anything. He tried to send them by XXXX XXXX, but said they were having problems with the software. The processor was able to send them to me and we electronically signed them and got confirmation from her that she received them the same day XX/XX/2016. The agent then calls me and tells me they are not going to fund the loan because the lock is going to expire and I did not get them the docs back in time. They sent us a XXXX with the same docs that we signed electronically, and we sent it back also the same day. I argued and asked to speak to his manager. That has never happened, and our loan has not funded. I am extremely upset about this. I need some help to get this loan funded. Closing Disclosure dated XX/XX/2016 signed the same day. Closing date was to be XX/XX/2016 and Disbursement Date XX/XX/2016. Please help.
Consumer complaint received 2015-06-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Attempting a mortgage refinance, property title report came up with a open line of credit from XXXX. Lending bank will not complete a re-conveyance of the loan without a complete copy of the loan which they say I must provide. Nothing on record at county recorders office regarding this loan, lending bank informed me my only option is to get a Title Attorney.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am writing to your agency in hopes that you can assist me to dispute some charges done on my Bank of America card by these fraudulent companies : XXXX and XXXX LLC. 
I got contacted by these companies by unsolicited telemarketing phone calls. I have paid these companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated XXXX XXXX company that I would like you to dispute the charges is XXXX they promised me to build me a website, do XXXX work, coaching. They said they would do all the marketing required to have a successful business. I never had any progress reports on marketing and no sales. Seemed vague as to what they were doing to push the website. The second company that I would like you to investigate the charges is XXXX.They said they would build me a new website, do all the marketing, increase my traffic and sales and google ranking. They promised me I would start making {$4000.00} profit per month after XXXX months. They vanished in XX/XX/XXXX, and when I wrote them an email to request to cancel they sent me a mass email that it seems like a scam email, stating that I owed them money that my monthlies {$99.00} are past due, and that I needed to make those payments. They did not provide the services and before my XXXX months were up they stopped answering my calls. I never made any money, and I never got any results from whatever they were doing. 
I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

This complaint is against OCWEN Loan Servicing , LLC who has once again filed to foreclose on my property on XX/XX/XXXX despite numerous complaints filed against Ocwen for violations of the NMS, the XXXX Consent Orders, TILA, RESPA, FDCPA, FCRA, and the CFPB Guidelines for Servicers. Despite various complaints regarding the property at XXXX, XXXX, XXXX XXXX, including an illegal lending transaction, robosigning, and innumerable violations of the above court orders, laws and regulations, Ocwen persists in refusing to respond to detailed complaints with proof attached, and is trying again to foreclose again which makes 8 times in just over a year which shows the desperation Ocwen has to create a legal document regarding the property that to date does not exist other than my Warranty Deed. All other docs in the chain of title are fraudulent. 
For this attempted FC Ocwen did not send the 14 day notice prior to FC, and its attorneys did not send the notice of FC within 30 days under state law. 
Ocwen ignores the illegal lending, void transaction in the initiation of the mortgage by a company that was not incorporated and not licensed as a lender. Exhibit B-C-D. 
Assignments in the chain of title are blatant robosigning documents as shown. Exhibits G-H-I & O. In fact Ocwen robosigning has continued unabated since XXXX, Exhibits G-H-I-O. 
Extensive complaints have been filed by me against Ocwen for its specific violations of the NMS and the CFPB regs and Dodd-Frank with very specific cites to violations of TILA, RESPA, FDCPA, FCRA, without any response from Ocwen other than general denials. See Addendum Exhibit Numerous violationos of state laws and cases have been submitted to counsel for Ocwen with no response whatsoever. XXXX Letter & Addendum Exhibits Extensive violatations have been noted of Ocwen 's violations of law re suspense accts, escrow accts, application of payments, and proper credit by Ocwen 's own admission Exhibit E. 
Ocwen uses an illegal and inaccurate demand letter dated XX/XX/XXXX which incorrectly states amounts supposedly owed, which figure Ocwen has changed numerous times but has never sent anything like a accurate statement of account demand in violation of law and regs Exhibit L A settlement letter equivalent of a loan modification was sent directly to Ocwen and its attorneys but has never been responded to in over a year. Exhibit F Ocwen has engaged in regular, constant and consistent violation of the required conduct of the NMS, the XXXX Consent Orders apparently believing they can do so with impunity.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These inquiries are fraudulent : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-01-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I unfortunately consolidated all my students loans with XXXX XXXX XXXX now Navient. On XX/XX/2016, I called the company to confirm that my student loans were amortized. I needed this information for a home mortgage. The customer service representative gave some ambiguous answer and agreed to send a letter for my home mortgage. The documents sent by Navient failed to prove that the loans were amortized. I called the company on XX/XX/XXXX and finally the customer service person indicated it was not a amortized loan. I need to refinance this loan after closing on my house. Because the student loans were amortized, I am having to pay anoth {$6800.00} to {$7200.00} at closing.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX,2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-12-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (VA)

I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Phoenix Financial Services has made it increasingly difficult for me to dispute this debt as they have three times over confirmed to XXXX that the debt they claim I owe is current, active, and legitimate. This is not true. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. The same debt continues to appear on my report from different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices. This has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports. Attached to my precious complaint against XXXX you will find a picture of a communication from the original creditor evidencing that I in fact owe {$XXXX} associated with this original debt that incorrectly keeps reappearing on my credit reports.
Consumer complaint received 2015-10-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a Bank of America customer for about 10 years holding multiple money market accounts, checking and savings accounts. i also had several credit cards which i paid in full and never had an outstanding balance on. my credit score is above XXXX as well. last year i received letters from BOA stating that my XXXX credit card accounts were closed and my checking and savings were to be closed within 30 days to make arrangements to get my money. no problem. my concern was the XXXX points i have EARNED with my royal XXXX card. they told me i could n't get the points to redeem because the account was closed i advised them the contract says if i close the account i will lose it however i was given no warning about the closure or given the opportunity to redeem the rewards i earned and received. they would not give me a reason why the accounts were closed and just said it was a business decision. i called corporate and all, and got nothing. i was only concerned with having to redeem my points but they refused to honor the fact THEY closed my account and i did not breach the terms and conditions which is extremely unfair. i earned those points and rewards and am entitled to them. i have contacted a civil attorney to fight for whats morally right here. since, i have a new bank and have no issues. even the BOA branch had no idea why BOA corporate " ended my relationship '' with the bank after 10 faithful years and abiding by call contracts. i had used this card faithfully for several years and paid the card in full faithfully, never missing a payment. I earned thousands of rewards points and was n't given the opportunity to redeem them because BOA closed my account without any warning ( as they sent me a warning letter for my checking and saving ) why couldnt they do the same for the credit card accounts. this has to be a scam or a breach of security or contract on their end! they refuse to provide me with any details or explanation which can not be right.
Consumer complaint received 2024-10-29
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. (TX)

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 2016-12-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union knowing there was a class action suit againsr them which i remember applying but cant find my paperwork.Garnish my wages at the time i was unrmployed and had XXXX dollars in the bank.I was getting unemployment and social sercurity it is the only money i had.The bank XXXX Bank allowed them and charged me bank fees for garnishment and return check fees. I was not informed. In advance the XXXX XXXX XXXX navy federal refused to take my calls. I had to go to court and pay to file papers to get the garnishment off my account. My orignal balance for a credit card was XXXX now it is at XXXX dollars.I have been unemployed since XX/XX/2016 the law firm of XXXX XXXX XXXX PA XXXX Fl has call me every month asking for payment. I had to close my account at regions because i am afraid they will take my social security benefits my unemployment has stop after XXXX weeks. I am concern now with the information i am working. they will take my money again. I have not been able to pay my mortgage and my utilities bills on time .I lost my car and life insurance because i am not able to pay the installments.I know there is a class action suit against them and they know it but continue to harress me.
Consumer complaint received 2017-02-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Bonial & Associates, P.C (CA)

Hired a retired XXXX and Attorney that determined mortgage fraud took place. Hired a hand writing expert that determine Corporate Assignment of Deed of Trust was done fraudulently, so forfieted notary bond to XXXX and no longer is notary. XXXX determined for last XXXX years XXXX of XXXX has been practicing law from the bench an high misdameanor. Also not XXXX form or Judiciary Bond on file as required. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX BANK, XXXX, AND XXXX., AND XXXX BANK, FSB, AND XXXX WERE all put into a government conservator-ship. This process was set up from the Builder XXXX. and XXXX Using XXXX Mortgage, INC. ( XXXX ). and XXXX MORTGAGE, INC. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/2004 has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then XXXX year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from HEDMANS. 
We should be able to file a claim against XXXX XXXX, XXXX, and Corporate officers XXXX, XXXX, AND XXXX, XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim. 
XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank/XXXX. My bank ( Citizens ) has allowed an unauthorized charge of {$160.00} ( XXXX on XXXX XXXX, 2017 ) to be removed from my account. They have refused to help me or give me a credit. The bank states the charge is an annual fee. I never agreed to an annual fee and I still do not agree with the charge. I do have a contract with Citizens bank stating fee for {$14.00} a month will be charged and a small percentage. I have never agreed to any annual fees. The agreement will be attached. The bank has also refused to stop any payments from Workday even after requesting it several times.
Consumer complaint received 2016-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DRS Financial LLC (AL)

Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (WY)

In XXXX of 2014, we fell behind on our mortage payment with Seneca Mortgage Servicing, LLC. They stated we were 2 months behind after returning a month 's payment stating they will only accept the entire amount due, which was approximately {$2400.00}. Prior to this, they had sent someone to our home representing Seneca, took photos of the outside of our home & left a notice that they plan to begin the forclosure process. We contacted them the next day ( XXXX 2014 ) and they initiated a repayment program where we would put {$1200.00} down and add an additional {$200.00} a month to our mortgage payment for the next 6 months, which we did complete. On the 7th month, we called to make our payment and they informed us, we now owed {$3900.00} & were still 2 months behind. In the interim, they had never sent us a copy of the agreement/amortization despite several requests. The account manager could not explain where my additional {$2400.00} in payments were applied. I demanded a copy of the repayment plan and they sent XXXX they created 5 days after my phone call, which did not have not the original terms and the terms showed what they now claimed was the terms. The agreement phone call should have been recorded and they could obtain the details from that, but have not. The asset manager does not return calls and the account manager asked me to " stop talking '' when I was disputing the issue. There has been no resolution and we are afraid they will be agreessive with forclosure threats again.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (FL)

I was mailed an offer from Discover for a rate of 15.24 %. I called to verify the offer before I applied for it online and was told it was correct. When I applied with them my credit score was a XXXX. My promotion ended with them and now they have charged me a rate of 23 %. That 's insane. When I spoke with a manager they said they would lower new purchases to 18 %. They said when I opened the account it was 22 %. Why was I offered a lower rate today when my score was higher at time of opening? I want what I was told. I feel like they are trying to rob me XXXX.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: States Recovery Systems, Inc. (WI)

I attended XXXX online. This past XXXX 2015, I followed the university 's process and withdrew from my course work before the final withdraw deadline. My academic advisor was XXXX XXXX. On XXXX/XXXX/15, I received an invoice from a collection agency by the name of States Recovery Systems , Inc. stating that I owe {$1500.00}. XXXX ( the account was transferred from XXXX ). I have never received any bills, correspondance, telephone calls etc. from XXXX regarding this " debt ''. I do not believe that I owe this debt as my student loans and grants covered all of my educational tuition and fees according to my last conversation with XXXX XXXX. I also withdrew from my course before the withdraw deadline. Since, I had never been made aware of this debt from the university, I explained to the representative ( she refused to give me her name ) from States Recovery Systems , Inc., that I was disputing the debt she became extrememly argumentative with me and threatened legal action. I feel that I have a right to know about a debt before it is referred to a collection agency. And I have a right to have the debt verified. I have supporting documentation to support my claims. I am suspecting that this is a scam but, if its not, I feel that XXXX needs to collect the debt in accordance with collection and billing laws.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (AE)

This " debt '' results from fees incurred when I terminated my XXXX XXXX account upon moving to XXXX pursuant to XXXX. As an XXXX, I invoked the protections of the Servicemembers Civil Relief Act and provided XXXX XXXX with requested documentation at the time of termination. XXXX assured me no termination fees would be charged. XXXX assessed me the fees anyway, and I called them ( at XXXX long distance rates ) to work things out. They apologized and refunded the {$340.00}. The next month, XXXX again debited the {$340.00} from my bank account, and I again called them ( XXXX long distance ), receiving an apology and a refund. It appears XXXX XXXX has debited my account again, in addition to turning this alleged debt over to Valentine and Kebartas , Inc., a debt collector collection action. 

I am fed up with XXXX XXXX acting in blatant contravention of the SCRA, and I do not want to waste additional funds calling them XXXX long distance to try and resolve the issue.