davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CO)

Modification involvin g Ocwen and HAMP ; Submitted HAMP ap plication for Streamline Modification to  Ocwen Financial.  This initial package included at least one component of the Initial Package was faxed on  XXXX . Our Attorney submitted a request per the guideline in the Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages, Version  5.0  As if  XX/XX/XXXX  XXXX    XXXX   XXXX   XXXX  , Pg  71,   Borrowers in Bankruptcy.   Borrowers in active Chapter  XXXX  or Chapter  XXXX  bankruptcy cases are eligible for  HAMP  at the servicers discretion in accordance with investor guidelines, but servicers are not required to solicit these borrowers proactively for HAMP. Notwithstanding the foregoing, such borrowers must be considered for  HAMP  if the borrower, borrowers counsel or bankruptcy trustee submits a request to the Servicer.   In   XXXX   and because of the Chapter  XXXX  we were denied access to any workout with Ocwen. They refused to talk to me or transfer my calls, I was never instructed to submit a Attorne y Consent Letter  and was not advised that they did not have  one  on file.    Ocwen  has not given us clear information about the application other than it is in underwriting. We have been calling and contacting by email but  Ocwen  but there has not been cooperation in the past. Their attorney for   XXXX   XXXX   is involved in the process and insisted we give us Bankruptcy protections in order to have application for Modification processed.   Ocwen has improperly calculated our loan balances, we do not know if there are any misapplied borrower payments because we still have not received a statement. We do not know if the account balance is accurate amounts owed and information regarding how payments were received and applied.   We were not offered any   XXXX   Mortgage settlement offer for workout or modification. We did not and still have not received any statements. We wanted a modification in   XXXX  .   They left our loan sit our there so with no workout options and now threaten Foreclosure when we are nearly done with a 5 year Chapter  XXXX  plan. They are asking the Chapter  XXXX  case be dismissed.    Escrow  Account Mismanagement. The CFPB alleges that Ocwen mismanaged the our escrow account. They failed to correctly process escrow and insurance payments. We paid direct to the Insurance and they are still billing us in the escrow total. Escrow statement notates " FHA '' our loan is not an FHA.   We do not know what the Trustee payments were applied to.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MD)

I was approached by telephone by a phone call last XXXX to help me get a credit card at 0 percent interest until XXXX XXXX of 2018 for {$25000.00}. I could even name the company card I wanted from some choices. They said they would intervene for me to get the card for a percentage up front which would be charged on the card and that I could never get the card on my own. They said they were a card member services group that helped consumers get better credit card deals ; They charged a fee over {$1000.00} to help getting the legitimate card from Chase. Terms = {$25000.00} limit at 0 % interest until XX/XX/XXXX then. 16.3 %. 

I agreed like an XXXX and did get the card which is a valid card and with the stated agreement with Chase Card Services listed above, even though getting the card did not seem like it was shady. 

Everything was normal about using the card until on XX/XX/XXXX. I received a call from someone claiming to be from Chase ( that's what came up on the caller ID ). 
He knew the balance charged on my Chase XXXX card as Well as a XXXX XXXXXXXX Card I have as well -- and as well the latest payment made on the Chase card. 

He never asked for account numbers or any banking numbers. 

Can this information be obtained though the Credit Bureaus? 

He claimed that under this program that Chase would write off the whole amount if I paid a percentage of the outstanding amount on the card- which he said would be {$2900.00}. This is not what I remembered the arrangement to be, but I thought maybe I misunderstood the actual arrangement. He had answers to all my questions, of course. He told me to get a cash advance on my XXXX XXXXXXXX Card for this amount and to make a deposit to a XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I did so that afternoon. 

He said his name was XXXX XXXX at XXXX, He said he was calling from Florida - XXXX, I think, but am not sure. 

I feel so stupid for going along with this whole scam from the beginning. 

I have no written documentation other that I can prove I withdrew {$2900.00} cash on XX/XX/XXXX as a cash advance on my XXXX XXXXXXXX Card. I can not seem to find my documentation from XXXX XXXX XXXXXXXX for the transfer of funds but am still looking. 

Do I have any recourse? 

I am assuming not since it was a cash transaction. 

Please help. I am literally sick to my stomach about this.
Consumer complaint received 2018-06-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

We have a licensed loan originator who has 0 respect for law or compliance and has been named as a top originator in the country several times. The public is being harmed as well as United States Tax payers. 

It has been brought to our attention that this loan originator has been buying business from real estate agent and giving TV 's, Refrigerators, and other things of value for business in return and has been done publicly via XXXX and other social media sites.
Consumer complaint received 2018-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

I am submitting a second complaint regarding Medical Data Systems. They claimed in the first complaint that they addressed the issue and supposedly provided attachments. However, the attachments did not address the issue at hand or the reason for the complaint. MEDICAL DATA System is the collection company for XXXX XXXX XXXXXXXX system. I had an allergic reaction to medications and was told by the ER to return because the first time they provided treatment was not adequate. Hence, they charged my insurance and an ER copay 2 times for the same issue on 2 different dates for an issue they did not provide accurate attention. Furthermore, I had to go to another hospital on the same day because they medical condition was not adequately handled. I was told I would be charged 2 ER copays for the same in adequate treatment. I have contacted the hospital, and it is never handled correctly. What else is there to expect!! These accounts need to be deleted from my credit report. HOW CAN THE HOSPITAL CHARGE 2 COPAYS FOR THE SAME CONDITION that was not treated correctly- back to back. LOOK AT THE DATES>
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In due of respect to Toyota Financial Services, I requested cancellation on GAP Insurance and Extended Maintenance cancellation First Extended Services and they don't want to cancel the extended service. 
I also sent various emails to XXXX XXXX XXXX in XXXX XXXX XXXX to respectfully cancel all options on auto loan and respectfully requested a lower affordable payment of around {$300.00} a month. 
Also requested a payment extension from XX/XX/XXXX till XX/XX/XXXX because of my Financial Hardship and Coronavirus Pandemic issues and family Hardships. 
Mr.XXXX  is the Manager and my auto loan originator. 
Mr.XXXX  XXXX email is XXXX contact number XXXX. 
Federal Government can archive all email contacts to Mr.XXXX  and Toyota Financial Services. 

My request is with Honor and Respect. 
A Federal Discrimination and Retaliation complaint was filed against Toyota Financial Services with ADA Department of Justice on XXXX XXXX # XXXX XXXX XXXX Act Violations. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX  Veteran. 
This is a Urgent Matters.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I'VE SUBMITTED MY PAPERWORK REGARDING THESE ACCOUNTS SEVERAL TIMES AND THEY KEPT COMING BACK SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I'M NOT SURE WHAT TO DO EXCEPT KEEP SENDING IT BACK.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (VA)

On Thursday XX/XX/2020, I deposit a check for {$34000.00} into ALLY Bank. I checked my account about 5 hours later making it around XXXX and my account was locked, I can not login, can not see banking information. I called the Ally 24 hour customers support at that point. The man who answered told me he could not tell me why my account was locked, problems usually get resolved in 1-2 business days and I would have to talk to Allys fraud department. I called back on XX/XX/2020 to the number I was given, I was asked the information of the person who wrote the check, not the bank, but the individual who wrote and their number. I complied and she said check should be verified in a few days. I called back the past two days XX/XX/2020 and XX/XX/2020 and both times the Ally representatives have been unhelpful, can not even tell me when my check will be reviewed or why it hasnt yet when its been 3 business. Today they woman told me she has no record of me calling prior to XX/XX/2020 and that I should wait till tomorrow when it has been 3 business days. They will not release my check either so I could go to a local credit union.
Consumer complaint received 2021-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (ID)

XXXX we received our monthly statement along with the Escrow shortage statement from Guranteed XXXX. Our payment was at {$1600.00} last year so when we received the shortage statement of {$330.00} we paid that with our payment on XX/XX/XXXX. It noted on the receipt the payment was received and the {$330.00} would be credited to the escrow account. We received XXXX 's statement which did not reflect the Escrow shortage amount we had paid and had gone up to {$1600.00}. XX/XX/XXXX I called the lender but no answer, I called again XX/XX/XXXX and again no answer. I called again XX/XX/XXXX and again no answer. I paid our payment late at this point because I could not get a hold of anyone. I called again XX/XX/XXXX and a guy finally answered but said they were having IT issues and could not help me, I called again XX/XX/XXXX and spoke with a woman who said she would get the issue fixed but wait until XX/XX/XXXX to make the payment. On XX/XX/XXXX we received a new mortgage payment of a shocking {$1700.00}. The payment increased it did not decrease like it should have. I am suspecting they subtracted our escrow payment twice or more. On top of which the payment went from {$1600.00} in XXXX to {$1600.00} in XXXX which does not make sense to begin with. Even with the escrow shortage the payment should have only increased to {$1600.00} a month not up to {$1600.00}. But again no one can give me an answer on anything. As a consumer I need to get this fixed as this is an annual occurrence of which we fight every year. Last year it took 3 months to get fixed and the following year it took 9 months to get fixed. This is totally unacceptable.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (AL)

My card was stolen and used in several places so I disputed the charges on my card and now they have over {$1600.00} of my money on hold and are basically telling me it was my fault when I didn't even have my card from XXXX ... and I just need my funds back!
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

Thank You, XXXX XXXX
Consumer complaint received 2021-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have sent Equifax two dispute letters on XX/XX/2020, and XX/XX/2020. All of the dispute letters were sent by certified mail. In response to these disputes Equifax failed to verify incorrect accounts on my credit report. Also, Equifax has violated CFPB laws stated in documentation not being able to verify with " so called '' creditors on credit report.
Consumer complaint received 2021-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (AZ)

I disputed this alleged repo with Santander and sent my dispute through the USPS Postal Service certified mail on " XX/XX/2021 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (AZ)

XXXX XXXX XXXX XXXX opened a collection with California Business Bureau on XX/XX/XXXX and they posted a collection on my credit report for {$470.00} on behalf of their client, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I called the collection company to inquire about paying off the {$470.00} listed on my credit report and I was told by the representative, that the amount owed is {$700.00} ; that they don't include fees and interest. 

I have never received any written documentation from the original creditor that I owed the {$470.00} posted on my credit report.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (OH)

XXXX  will not delete a 10 yr old account from my credit report. Its been delinquent since 2011 and and they will not make Santander the creditor show the correct information showing the entire delinquency nor remove the account which was delinquent each year from XXXX and every single year stayed delinquent since then. Further more santander states loan was XXXX payments XXXX a month but a balance still due off over XXXX. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current XXXX again. Being 10 yr old account should be removed. Especially since Santander agreed to remove previously
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2018-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (AR)

On XX/XX/XXXX I was contact via phone by XXXX XXXX/Monterey financial after returning the call I understood that the business was closed and had to call the next day upon returning the call the next day I spoke with the A representative XXXX XXXX  she was very unprofessional Refuse to let me speak with a supervisor to get to the bottom of what was going on the representative want to know why I had made my monthly payment I explained to her that my payment was on an automatic debit from my account and it had been and that was the only way that I could obtain the loan This company does not allow you to mail in payments she told me that they discontinued by their own choice to stop debiting my account and they had supposedly spoken with a gentleman that Id have no idea who he is that stated he would be making my payments by monthly check Ive asked them What number did they contact this person it was an able to be given the informationthere is no gentlemen attached to my account name XXXX that makes monthly payments and they finally admitted that they had reached out to the wrong person and had given out my informationTo this mysterious person I am unable at this time to come to an agreement with next step funding Monterey financial on as to how they plan on continuing to receive my payments There are stipulations in their contract for if you are not able to pay for the items they can reprocess them this wont be happening because I did not ask for the payments to stop they stop them themselves Ive made every payment on time I have never missed a payment because of the automatic with drawlThe company chose to no longer debit my account bad choice my account is still open it is still active I have never filled out any paperwork to discontinue nor have I received any documentation from them that they would discontinue the automatic debitOn XX/XX/XXXX was the first point of contact when they call me they never call for the month of XXXX they never written me a letter or email me any type of notifications as to what was going on in this matter.
Consumer complaint received 2020-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have provided a police report to remove a fraudulent auto loan that was reporting on my credit and it continues to be reporting even after providing all the needed paperwork. I was not aware of incident until recently when I had my credit report run to obtain a credit card. I was informed I had defaulted in my car loan account and was credit was denied. I tried to dispute it with the credit bureaus without any success.Today XX/XX/2019 I got a letter in the mail stating that I owed a very high unpaid balance on a car that was repo and sold by XXXX. This is not my car, i have not purchase a car thru XXXX in years, so I feel that someone is using my personal information to obtain credit
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I had a Wells Fargo checking account from XXXX and was charged multiple times for not having enough money in my checking account then my account would go negative and I'd be charged again for overdraft fees. If I had less than {$200.00} in the account I would be charged {$8.00}.
Consumer complaint received 2020-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Earlier this month I submitted a Identity theft report to all three of the major consumer reporting agencies in regards to several, inaccurate fraud related accounts reporting on my credit file. Along with my Ftc report I included a copy of my drivers license as well as my social security card. In ADDITION with my report, I included a personal information request which included my correct name, social security number, current address, and correct phone number. As of today I received a letter from EXPERIAN # XXXX dated XXXX stating that " We are requesting additional information that I must provide in order for us to act upon your request. " If I still wish to have this information blocked, please submit a identity theft report without the deficiencies noted at the end of this letter. '' EXPERIAN is basically asking me to submit all of the information that I've already submitted and this is nothing more than automated stall tactic which coincidentally violates my rights under the FCRA. Accounts that were included with my federal trade commission report was US Dept ED # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX at XXXX # XXXX & XXXX XXXX XXXX  XXXX. Can you please have EXPERIAN explain this response. I have attached a copy of my identity report to support my claim. Thank you
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (NJ)

I am a consumer, and I feel my federally protected rights have been violated. I sent a " Cease and Desist '' letter via Certified Mail on XX/XX/21 telling Chase to no longer contact me regarding the debt on my account. I received a letter from them dated XX/XX/21 which stated that they would no longer contact me. In spite of that letter from Chase, they contacted me on 2 separate occasionsXX/XX/21 and XX/XX/21. I felt extremely stressed out after receiving those 2 separate notices. I thought they would no longer contact me, but they did.