davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I received a letter from Ocwen 's Office of the Consumer Ombudsman. In the letter it is stated that " The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. '' How does Ocwen 's Office of the Consumer Ombudsman intend to provide assistance with unresolved concerns and issues if it follows the same script as Ocwen 's Customer Services and Ocwen 's Research Department? Should it do any of the research on its own or just repeat what the other XXXX offices are saying? 
It is also stated in the letter that " On XXXX XXXX, 2015, Ocwen received {$3300.00}, although it was {$0.00} short of the amount due ( {$3300.00} ) the funds were applied as the XXXX XXXX, 2015 payment. '' This is the same incorrectness as stated by Ocwen 's Research Department and the Escalation Managers in Ocwen 's Customer Services. 
Attachment 1 : my bank statement identifying the amount of the payment on XX/XX/XXXX was {$3300.00}. 
Attachment 2 : copy of my check to Ocwen dated XX/XX/XXXX for {$3300.00}. 
Attachment 3 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having received two payments from me on XX/XX/XXXX. One in the amount of {$1000.00} and another for {$2300.00} ( which by the way equals {$3300.00} ). 
Attachment 4 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$2300.00} and {$0.00}. Along with two other transactions from XX/XX/XXXX and XX/XX/XXXX. 
WHAT HAPPENED TO THE OTHER {$1000.00}? 
Attachment 5 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the two payments from XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with seven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Attachments 6 & 7 : billing statement from Ocwen on XX/XX/XXXX identifying Ocwen as having canceled the payments from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and reposted them on XX/XX/XXXX as a payment for {$3300.00} and {$0.00}. Along with eleven other transactions from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (MA)

Ocwen Loan Servicing falsely reported to the credit bureaus that I had overdue/delinquent amount of mortgage with them and that my account is 120 days passed due. They indicated that the account was opened with them on XXXX/XXXX/2004. I never had a mortgage with Ocwen Loan. I do n't even know where they came from. 
My mortgage was with XXXX XXXX XXXX Ocwen Loan Servicing copied the same information from XXXX and duplicated the information on my credit report. This reporting by Ocwen Loan caused financial injury on me and I was denied a XXXX Plus Loan because my credit went down by more than XXXX points.
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WI)

On XX/XX/XXXX I was contacted by a loan officer in re doing a FHA streamline refi. I asked the officer if we needed to make XXXX 's payment as we were in forbearance due to Covid and he stated not at this time but if it is needed someone would contact me. On XXXX I received a phone call that the payment for XXXX was needed to continue the refi. Within the hour the payment was made. On XXXX I received our closing docs with a closing date of XX/XX/XXXX. On XX/XX/XXXX I contacted Freedom due to not having a time to sign yet and was informed that on XXXX our refi was denied due to late payment. Nobody had called me prior to my reaching out to discuss. On XX/XX/XXXX I spoke to a Loan manager who said he would do what he could to clear things up. He had someone send us new load docs on XX/XX/XXXX and said he would expedite the process since this was clearly their fault for providing incorrect information. I have spoken to him close to a dozen times now and continue to get the run around. No closing date, no info on when that might come. I was forced to burn up my savings to pay XX/XX/XXXX  mortgage. The first refi took just over a week to get closing docs and a date and now were going on over a month. I truly feel like we're being strung along so they get paid. They hang the refi over your head to make you pay even though were in a Covid forbearance.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (DE)

Please provide all relevant documentation such as billing statements, signed contracts to valid this debt. This company XXXX XXXX XXXX is a predatory lender and should be shut down due to their illegal business practices with their Car Dealerships refusing to provide tags, or DMV registeration without customers paying additional monies in cash to the dealership directly, even after the tags & taxes were included in the loan amount. Because they would not provide it, the car was turned back over to them.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

Because I calculated my credit card payment thinking that a refund had been processed and not having the ability to check because the Chase Card website was too busy to log me in, my monthly payment was under {$2.00} less than the minimum payment due. This resulted in multiple calls EVERY day, ALL hours of the day. Even holidays ( this is XXXX and XXXX time ) and Sundays, the calls started early in the morning and never ceased. I was already charged the fee and my credit line was decreased. There was no need to continue with the calls. I have screenshots from my phone from XXXX/XXXX/2017 and XXXX/XXXX/2017 but the reality is that this went on for weeks. I should have taken many more screenshots.
Consumer complaint received 2020-07-10
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX   XXXX {$16000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}
Consumer complaint received 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (UT)

Mortgage Lender Roundpoint Mortgage has raised my monthly payments from US {$2900.00} to US {$3200.00} in XXXX 2016 installment without informing me in advance and without any explanation. My bank has paid the difference in overdraft. I called Roundpoint customer desk and informed me that they can not do anything about it because its the County Tax that was raised and hence the revised monthly payment.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

So they are back at it!!! I spoke with a employee at my sons bank to understand how my son cashed a check I wrote to him could be presented on XXXX XXXX when I clearly gave him the check Saturday XXXX XXXX,2015 I saw the copy and realized I dated the check incorrect I thought Saturday was XXXX XXXX instead of XXXX XXXX ... Wells Fargo saw the date on the check and hit me with a {$35.00} overdraft fee!! The check was cashed on XXXX XXXX!! The funds were avalible on XXXX XXXX!!! I am disgusted with these sneaky tactics!!! And when I tried to click on the check image the Well Fargo site wo n't allow me to view the image
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Leviton Law Firm, Ltd. (VA)

An employee of  Leviton Law Firm ,  XXXX   XXXX , under the supervision of " attorney ''  XXXX   XXXX   XXXX  continues to email me and other employees after being requested in writing to cease and desist. He originally emailed on    X/XX/17   de manding {$120000.00} and all of our corporate documents. The CEO requested that he cease and desist on   X/XX/17    .  XXXX  emailed again on   X/XX/17   demanding to come to our office and make copies of corporate documents. This debt is inaccurate and  XXXX  shows no desire to follow the law.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?
Consumer complaint received 2016-03-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX XXXX, XXXX, XXXX Debt Buyer Enforcement Action. On XXXX XXXX, XXXX I contacted XXXX as required by this court order, to ask for a refund as consistent with the court order, of payments made by me as a cardholder to the buyers of my debt, citing violation of the Dodd-Frank Act. I have proof of payments made since before and after XX/XX/XXXX. I was not notified by XXXX that it sold my account. I am asking for a refund and a restitution notification letter in accordance with A., B., C., and D. as provided by the CFPB website. The XXXX representative I spoke with on XX/XX/XXXX at XXXX XXXX., told me the account had been sold and that XXXX no longer had any responsibilities to this account. They say they sold it to Midland Funding, who have since sold it to a law firm. No one answers the phones at either of these locations. Can you please help me to get my refund and restitution letter?
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent letters out certified over 60 days ago and have not be notified as a consumer I feel like these people are taking advantage of normal people
Consumer complaint received 2015-04-11
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TX)

Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting.
Consumer complaint received 2016-06-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SQUARETWO FINANCIAL CORPORATION (NJ)

Fresh view solution is attempting to violate banking usury laws by attempting to collect on an illegal invalid installment loan from XXXX bank through [ XXXX ], furthermore Fresh view has an adverse history in trying to collect debts without original bill of sale chaining all the back to the original creditor in this case Fresh view does not possess any and all required original documentation with original wet signature of officers with personal knowledge from avant again this is a blatant and clear case of fraudulent loan debt collection I am demanding that the CFPB investigate and order this company Fresh view to immediately cease any and all current and future collections of this illegal debt
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

My Citi Thank You Card ending in XXXX shows a current balance of {$14000.00}. 
However, my year end spend summary has arrived, and whilst these XXXX numbers should match they do not. It turns out as I have suspected I have OVERPAID and Citi Thank You actually owes me {$2600.00} and potentially more since I paid interest on items that should not have applied.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (TX)

OnXX/XX/XXXX company was contacted by me by letter for them to contact agency who is handling my debt. On XX/XX/XXXX I again I contacted them by letter indicating to them to contact the agency I had hired to resolve the debt. I continue to received calls from them when they have informed of who they should be contacting.
Consumer complaint received 2016-10-15
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo bank is continuing to attach late fees onto my mortgage each month for a single rolling 15 day late payment on an amortizing negative amortization ( the only amortizing " bi-weekly '' neg am '' loan in the market at the time we got the mortgage, which was over 5 years ago and originally initiated by Wachovia Bank and purchased by Wells Fargo ). This late payment happened more than two years ago. In essence, they are compounding monthly interest on that single rolling late. I already know this is an illegal procedure. In addition, my loan " note '' calls for a grace period on the mortgage payments which are due and payable every other Friday. According to a report from my employer which is a large national mortgage company, Wells Fargo is recently reporting late payments to other lenders and major credit bureaus that I 'm working with. Our mortgage payments are not late which we can prove because we pay everything electronically. This too is completely illegal and an attempt to hold me in a predatory loan by preventing me from re-financing out of it which is what I 'm attempting to do and will do in spite of this horrible banks shenanigans. Wells Fargo is the most despicable organization on the planet in my opinion and worse than XXXX in my opinion because XXXX at least claims to have a cause that is not tied to " make money at any cost '' as its sole motivator. Additionally, I would urge anyone in the country with a Wells Fargo mortgage loan to demand a written payment accounting from Wells Fargo and to assess all late payment charges if they have any. 
Update : I went to Wells Fargo Bank and they admitted they were not aware of my loan note requirements. They stated they would stop accruing late charges and would follow the loan note mandates and call me to rectify. This was one week ago and so far, I have not heard from anyone at Wells Fargo that has promised to keep me updated, including the Wells branch loan manager who also promised to e-mail me an update.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

A cease and desist letter were sent to XXXX and XXXX ( both of them impacting my credit report negatively ) They are required to cease ALL communication with me. 
FDCPA 15 usc 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium, Any medium includes my credit report. They owe me {$1000.00} for each communication they had with me since the letter was sent to them.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NV)

My paypal was permanently limited 7 months ago, then they released my funds for withdrawal in XX/XX/XXXX this year, then they again permanently limited my account in XX/XX/XXXX same month for holding my XXXX $ for another 180 days!!! 
I called paypal support but they didnt help me. They can't answer me why they limited my account after waiting 180 days? They hang up my call everytime. For the second limitation I can't withdraw my funds to linked bank account. 
I added the proof that they released and re-limited my paypal account. 
My paypal ID is : XXXX XXXX
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have requested over and over again for Transunion to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Transunion has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Transunion is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : *********** XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (MA)

I had an account with Simple.com who operates und BBVA USA. They sent a notice through their website, which does not forward to email, phone, text etc. IE NO COMMUNICATION WHATSOEVER unless I log into their portal on XXXX that they would be closing my account on XX/XX/21. I logged in today after late fees, and bounced checks not knowing my account had been closed. They now are telling me they will wait 3 weeks to mail me almost $ XXXX which is my entire funds ( I literally have no other money in any other bank or anywhere ). In the meantime my credit report will be impacted my bills will all be late. My child will lose her spot in daycare because I have no way to pay my daycare bills, and I risk eviction for non payment of rent because I have no way to pay my rent with all of my money being held XXXX by them. 

They have provided no adequate notice of account closure, nor have the/do they have the intent to provide funds in a timely fashion. 

Their response to my call and demand for funds within 24 hours is " theres not much we can do ''
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

I have a Best Buy Credit Card which is run and managed by Citi Bank. I have XXXX promotional balances on this card. This card is also used for every day transactions. I kept getting interest charges even when I payed off my monthly use each month and could not figure out why. I finally found out that when I send in a check to pay for all of the transactions on this month 's bill ( the promotional balance is not due ), that check is not completely applied to the monthly transactions but rather also to the promotional balance. They do this so that they can charge me an interest charge. I have asked them to correct this and they say they can not. I 'm luckily diligent enough to figure out how they are incorrectly applying this interest charge but how many other people are being abused? This is stealing. I have n't lost any money because I catch it and spend 30 mins on the phone with them each month correcting it. But I have lost valuable time. This has been going on for 1.5 years.
Consumer complaint received 2023-04-15
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: DISCOVER BANK (CA)

I contacted discover bank in XXXX XXXX XXXX, utah branch via letter on XX/XX/2023 to make them aware of what their parent company discover bank out of XXXX  XXXX, ohio sent me as a 1099c form which is a cancellation of debt. also they mark box 6 on the IRS 1099c form that with a decision or policy to discontinue collections. it clearly say it on the 1099c form they filed with IRS, in other words that became taxable income for me. I remember reading some where that the FCRA says that income is not debt and can not be reported to any credit agency at all since income is not consider debt. I sent discover bank in XXXX XXXX XXXX this exact document to back up my claim, they relied with a bogus letter they seem to be playing games even after i gave them Real proof. I have attached the required documentation that they need to remove this inaccurate item from my experian credit report, Please help me?
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NV)

This is my third time filling the same complaint with CFPB and nothing is solved. 

Is there a different site or government department that can review this company? 

As of XX/XX/XXXX. I still haven't received my XX/XX/XXXX, XX/XX/XXXX statements Selene Finance.