davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

Ocwen is our servicer for our loan. I fell behind a couple of months XX/XX/XXXX. I stayed in constant communication with them to try to modify or get caught up with my payments. They gave me a different amount to pay every time I spoke with someone and they even game my cousin who is an attorney a different amount than me within 10 minutes of calling them. Then XX/XX/XXXX, they called me and told me that I was approved for the modification. I agreed to send them 3 months of payments to show good faith. I even sent the payments via fed es on XX/XX/XXXX. That very same day, they claim that they served me with a summons to foreclose. I do not recall at all receiving that bc I would have been really taken a back considering I just sent them 3 months of payments per our agreement. Now, they are trying to push a sheriffs sake on the property all the while their customer service e dude is lying to me staying my property is absulutely not in foreclosure. I 've still been trying to work with them in the modification. I e never been denied but they keep stringing me along stating that they need different Infornation. I feel completely taken advantage of, they lied abs completely misled me all the while trying to sell my property while they tell me it 's not in foreclosure. Please help. XXXX
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (IN)

I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.
Consumer complaint received 2016-04-26
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (MI)

Several times this past year for example, Ocwen has sent notification of loan payment increases. Three times claiming to be for Escrow shortages. Once within two weeks. Now I get after sending in the amount, posted, now another increase. They seem to either can not add or subtract or are attempting to commit fraud by claiming false chargers.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Clark County Collection Service (CA)

i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me someone in XXXX for a condo in my name and skip out on the lease costing me XXXX on my credit report i have spoke with XXXX county hundreds of times and they told me that it will remain on my credit they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this
Consumer complaint received 2016-02-12
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another.
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (FL)

On XXXX XXXX XXXX I received a phone call from XXXX XXXX indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. I called XX/XX/2019 to address the issue and instead of them correcting information that removed my correct name and information. 

XX/XX/2019 I submitted request letter for my personal information to be corrected via certified mail with proof of identification and social security card, but they continue to refuse to correct information. 

XX/XX/2019 I submitted via certified mail and online dispute about inaccurate personal information and they continue to send copy of full report with no corrections made as well.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I contacted Capital One about my credit card 's annual fee and what other cards I can get because the one I currently have does not seem worth it. It was assured that my annual fee would be fully waived/credited so I would not have to pay it to keep the card since they were not allowing me to upgrade to the no annual fee card that has the same exact benefits ( even though my credit score is in the range for that card ). My fee recently posted and they now are telling me all they can do is credit {$20.00} of the fee. I feel like I was scammed and this is a bait-and-switch. This is very unprofessional and I feel like I have no power since all representatives I called are not honoring their word.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (NJ)

EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false. 

Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt. 

This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it. 

Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX I used a check to pay off my balance to Wal-Mart in store ( serviced by Synchrony Bank ). i checked back 24 hrs later and the payment had not yet posted. I checked with XXXX XXXX, who my account is with and they showed that the payment was pending but had been presented and would clear my account that evening. I called to check if payamtn had posted and it had not. I then spoke with a rep from Synchony and he told me that my payment was on time but credit would be held for 19 more days. I then spoke with a supervisor and he stated that because I had paid the exact amount that I could be trying to commit fraud by paying the balance and then going out and making more purchases and then dispute the payment and going over my limit and that hey can hold that payment for up to 21 days. I told him that once a check has cleared and into their hands that it can not be disputed unless I can prove I did not present it. I basically said that by lowering my limit to XXXX dollars it was hurting my score and that I was going to file a complaint. He said that I could do what I wanted but that they can adjust my limit anytime they wanted too. I took this to mean that if I did file that they may keep it lowered and possibly do this to other accounts they service. To this date, my limit is till XXXX dollars.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank In less than 2 months, most of it in just 1 month, more than {$500.00} were taken in fees from an account that never even had a balance as high as {$500.00}. 

This has to be too much. They are basically robbing me at this point. 

From late XX/XX/XXXX to current.. last attempt at escalation to highest XXXX XX/XX/XXXX. 

I spoke to XXXX XXXX then a rep at a branch.. then XXXX at Branch where my Account now is located at a town in NJ I can later specify. 

They insist inability to change policy.. while I understand that a few times I dropped below XXXX and on those occasions apparently a few things hit same time.. this can not be a proper rationalisation for continuing to take most of my money, especially considering I am out of work. 

I hope there is some check on this behaviour.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Innovis (NC)

CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ROYAL UNITED MORTGAGE LLC (WI)

I applied for a loan with a loan advisor XXXX at Royal United Mortgage XXXX on XX/XX/XXXX for myself and wife to pay off our investment property I sent over copies of 2 years of tax returns XXXX our drivers license copies of both residence bank statements and all our loans and credit cards information thinking that we would be approved for the loan from XXXX who mentioned it sounded like he had approved the loan. After all the transaction of trusting this guy he called on XX/XX/XXXX and told me that the loan was denied.My main reason for this complaint is after applying for that loan XXXX some how added my wife information onto my credit and added my information on hers causing both of our credit scores to drop extremely low I would like to know if this legal or is this considered fraud.Thanks
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

Ditech Mortgage filed Foreclosure on our home in Maryland. We requested a Reinstatement Quote and received the amount on a letter dated XX/XX/2016. The quote was effective until XX/XX/2016. A Cashier Check was sent in the quoted amount. Cashier Check was received in the Law Office on XX/XX/2016 then sent via overnight and received at Ditech on XX/XX/2016. It took Ditech 5 days to tender the check and now they are stating that only a portion of the funds where received. Point being, you ca n't cash only a portion of a check. It is everything or nothing. They have been incompetent thru the whole process. Now they want more money than the Restatement Quote was given to us. 

We need help to deal with these people. Even their attorney 's are very frustrated at their lack of response in this matter. We suspect they are deliberately manipulating the situation to take advantage of our misfortune. 

XXXX XXXX XXXX.
Consumer complaint received 2015-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

On XX/XX/XXXX, Greentree Servicing foreclosed on my residence. They provided me with a XXXX at that time. On XX/XX/XXXX, the house was sold to a private party. I have yet to be given a XXXX. When I checked my credit report, they were reporting it as an active mortgage with a balance of {$120000.00}. I contacted them via email requesting that they provide me with the XXXX. They followed up with a XXXX showing no interest paid XX/XX/XXXX. I contacted Senator XXXX XXXX 's office and they sent a letter on my behalf. Once again, Greentree Servicing sent me a XXXX. After the contacts, they have changed the status and dollar amount on my credit report. They are now showing it as " open - collection/charge off '' with a balance of {$100000.00}.
Consumer complaint received 2018-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION (AZ)

I have been trying to find help with a situation that affects me and many others ( per posting on the web ) I am beginning to feel that if the business practices I will describe we was directed to one of the big banks, I would be getting all the help I need as there would be big media attention, etc. BB & T is a good size XXXX XXXX. 

I really wish someone would contact me by phone so I could explain in a more understandable manner but I will do my best nonetheless. 

I am basing my complaint on what I believe is an accurate legal description of fraud ( A statement need not be affirmative to be fraudulent. When a person has a duty to speak, silence may be treated as a false statement. This can arise if a party who has knowledge of a fact fails to disclose it to another party who is justified in assuming its nonexistence. ). 

SUMMARY : In three full years since I took out an auto loan with XXXX XXXX XXXX ( XXXX ), I have made a total of {$13000.00} worth of payments and yet my balance has only decreased {$840.00}. 

WHAT IS THE CAUSE? 
If someone is behind on their payments, XXXX will solicit one to accept a payment deferment. They explain the payment will be tacked on to the end of the loan. The result is that the deferred payments continue to accrue interest. The result of this, which is NOT explained, is that there is virtually no chance of a consumer ever paying their car off unless they are able to come up with a huge lump sum payment. This leaves the consumer extorted, either borrow more money to pay off the car or have your credit ruined. I OTHER INFO : There are multiple complaints against XXXX online from consumers experiencing the exact same scenario I find myself in. I ONLY find this situation with XXXX. In addition, two of XXXX 's phone representatives have told me this is a systemic issue with XXXX and that they don't care because it makes them the majority of their profit. This may explain why they are so anxious to push loan extensions on consumers. 

XXXX 's disclosures not go into more detail than they did when I did my early loan extensions. Even so, they STILL do not adequately advise consumers that they likely will not be able to ever pay off thier automobile, especially if they have more than one extension. 

CC : Office of United States Senator XXXX XXXX, The Office of US Representative XXXX XXXX, The North Carolina Department of Justice Office of the Attorney General and the Consumer Protection Financial Bureau.
Consumer complaint received 2020-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MT)

I refinanced and payed of the loan on XX/XX/XXXX, Loancare customer serviced showed a XXXX  balance on that date. On XX/XX/XXXX they took out a payment of XXXX. I called that day asking why and when do get my money back, they said it would take 10 to 15 business day to get it all back. I call on XX/XX/XXXX and they told me the escrow check was mailed on XX/XX/XXXX but not any overpayment. The said they are checking on it and would contact me. I call a few minutes later and they told me an account was set up and it would take 24 to 48 hours to process and I ask for an overnight check because of their error which XXXX admitted they made but she would not promise me it would happen that way. This totally unacceptable. They took this money on a closed account. They should not be able to do this anytime especially during this stressful time. Im complaining not only for myself but all Veterans.
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

On XX/XX/XXXX, I sent a certified letter asking for Validation of this supposed debt in my name bearing my signature. On XX/XX/XXXX, they sent a statement saying they " verified '' sending a statement from XX/XX/XXXX with my name on it, not what I asked for. On XX/XX/XXXX, I sent another certified letter asking them to provide proof with a document bearing my signature for this account. On XX/XX/XXXX, I received the same exact letter as the one on XX/XX/XXXX, once again nothing bearing my signature which is proof that this debt is valid. This debt needs to be removed from all XXXX Credit Reporting Agencies, as they have not provided the proof that this debt belongs to me and are in fact breaking the law.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (TX)

Paymap Inc, aka XXXX, and the CFPB reached an agreement XX/XX/XXXX ( AP File # XXXX ) and was to send a check to those involved with their company during the period XX/XX/XXXX and XX/XX/XXXX. I fell into that period & received a letter stating they had sent me a check that I never cashed. This supposed check was never sent. I called the # on the letter but got nowhere & was told to go to the website and email them. Did that but again another run around and jumping through hoops. Had to call # again to get a claim #, then back to the email routine ( this is not just a simple email here, you have many layers to go through just to send them an email ). Did all this XX/XX/XXXX as the notice said all claims for a new check to be sent must be requested by XX/XX/XXXX, 8 days after I received this letter. Did everything they asked me and have yet to see any check ( XX/XX/XXXX ). It appears the agreement was not honored by Paymap initially and they are doing everything they can to dissuade folks from trying to collect on monies they agreed to pay. The Redress Administrator in XXXX XXXX, IA has been sent a letter regarding all the problems I have encountered with this check re-issue. This matter needs to be moved up the line from just a consumer complaint to a full-blown court decision that will force they to comply with the agreement reached and make restitution to those affected. I would also like to see copies of all the checks that were supposedly sent out along with addresses to verify they were ever sent in the first place. 

A copy of the agreement reached between Paymap Inc and the CFPB would be appreciated so we know what the settlement was and how it was to be administered.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Creditor Claims of America, Inc. (MD)

Caller named XXXX XXXX called my employment. When I called him back he immediately raised his voice and started yelling at me and arguing with me. He would not give me any information as to what type of debt he collecting. I told him that he was not allowed to call me at my employment and he continued to argue with me in a very violent harassing manner. He hung up on me and then immediately called me back to " prove a point '' is what he said.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MD)

This complaint is against Experian and XXXX and XXXX XXXX. XXXX XXXX reported to XXXX, XXXX and Experian " to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, XXXX has listed " formerly known as mother 's name ''. Experian has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (CA)

As of XX/XX/2020 XXXX administrator of Firstdata credit card processing services decided to unilaterally stop depositing funds that were due to my business as a result of goods sold at XXXX XXXX. First data ( XXXX ), said the reason they decided to withhold funds, is that one ACH did not process from my XXXX business back in XX/XX/2020. Firstdata ( XXXX ), made no attempt to notify me of a the problem in the ACH withdrawal in which they claim, they sent no bills, no emails or any communication regarding this error. As a result, the business XXXX XXXX has been wrongfully and unjustly withheld it's funds of nearly $ XXXX over the course of the last 5 months.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

Every month to login to make the payment I have to reset it all over again.

So if my payment is due on a Saturday the auto payment system ask for two months payment and when I want to make only the payment that is currently due it will not take it and send me to customer service but they are closed.

I have complaint to them and they do nothing.

This issue happens every month and then I have to call them and have them reset my password again. This has happened 7 times