davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Marlette Funding, LLC (NC)

I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons. 

If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report. 

Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2016-05-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

On my mortgage statement on XX/XX/XXXX, i noticed an escrow shortage of XXXX. So on XX/XX/XXXX, my husband sent a check to the escrow department through his bank ( XXXX XXXX XXXX XXXX XXXX ) in the amount of XXXX. The escrow had to be paid by XX/XX/XXXX. Before i paid my escrow my mortgage payment would have been XXXX for XX/XX/XXXX. However, after i paid the shortage, my payment should have been XXXX. I noticed my payment had not changed. So, I contacted Ditech to inquire about this matter. I was told it had been corrected. Nevertheless, the site is still showing my escrow has not been paid. On XX/XX/XXXX, my husband sent a check for XXXX then on XX/XX/XXXX another check was sent for XXXX. Moreover, another payment was sent on XXXX on XX/XX/XXXX. I have spoke to XXXX different representative at Ditech to try to get the issue resolved. In fact, the last XXXX representative XXXX ID # XXXX and XXXX ID # XXXX who i spoke to on XX/XX/XXXX told me they were sending an email a supervisor to get my account corrected. So i checked the website to see if it had been corrected and found no change at all to my account. I called Ditech again today spoke to XXXX who said she did not have an ID # who said she was putting in a request to have my account corrected. I am really frustrated. So i asked to speak to her supervisor XXXX ID XXXX at call center in XXXX XXXX, XXXX XXXX I ask if she could see where a request had been made to re-allocate the money i had sent them. Oh course, she stated she saw the request.However, i have been told a request had been made so many times that i do not believe anyone is correcting my account. So, i asked for the representative who was assigned to my account XXXX # XXXX. I told her how many representative i had spoken to and how long i had been waiting to get my account corrected. She was rude and overtalking me saying there is a process and she can not snap her fingers and fix the program. I advised her that i paid my escrow on XX/XX/XXXX so how long should it take. She just kept talking over me. So i asked to speak to her manager, XXXX, Collection Manager, who said she did not have an ID #. These people are rude and does not care about resolving issues with their customers. My statement is always incorrect. I believe they purposely make the statements look like their customers are late on their payments so we can not move our mortgage to another mortgage company. It is deceitful. I have asked each representative to send me an email verifying they are having my account corrected but they all said they can not send me an email detailing our conversation. Can i send them a validation letter? I need something done about this mortgage company. My statement is still showing i have not paid my XX/XX/XXXX payment when it paid on XX/XX/XXXX and my escrow has not been paid. Furthermore, i have paying late changes they say the mortgage company before them said we owe. Bad Company ... Beware ... .just like Greentree Servicing ...
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Innovis (FL)

I have been a consumer of XXXX XXXX credit card for years. I called Innovis Consumer as well as filed a dispute with them regarding falsely reporting that my XXXX XXXX account is closed/charged off. They claimed, as of XX/XX/2017, that they reinvestigated it and status did not change. I called XXXX XXXX and complained about them reporting my credit card as charged off. XXXX XXXX assured me that they did NOT report that my card is closed or charged off nor is it deliquent. XXXX XXXX also sent a letter stating the same thing-account IS and ALWAYS has been, in good standing. Innovis did not and can not provide me with the name, phone number and address of the PERSON, not computer, that told them the account is charged off as of XX/XX/2017 for {$690.00}. My card continues to be active and in good standing. Innovis 's failure to accurately report to all major credit bureaus has caused XXXX, stress and financial hardship. Denied credit increases and cell phone purchase due to the recent error it reported. Calling and sending letters to Innovis has fell on deaf ears. XXXX XXXX continues to advise that the credit reports are wrong ... but I am stuck in the middle. Innovis Consumer has caused harm to me financially, with their failure to really pick up the phone and verify information. Clearly there is a computer glitch that no one has the time to correct, at my expense!
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (MD)

For the second time, I mailed my payment to Central Mortgage Company on XXXX XXXX, 2015 ( the check is dated XXXX XXXX because I wrote it the night before ). I just received a letter dated XXXX XXXX stating they had not received my payment. The check was cashed on XXXX XXXX. If Central Mortgage Company does not receive the payment by the XXXX of the month, they charge a late fee of {$40.00}. Usually I mail my payment the first week of the month to ensure at least 9-10 days for the payment to arrive to Central Mortgage Company. Oddly enough, they charge you a {$5.00} fee to make an online payment, so I always mail my payment rather than pay the fee. I have a hard time believing that the postal service was unable to deliver my payment within 9 days, and it appears that many other consumers online have had the same problem. I fear they are holding my payment for days and claiming it is late so they can charge me the late fee or bully me into paying the online fee. The first time this happened last year, I called and they would not budge, even though I mailed my payment 10 days before it was due. If this continues, I am considering refinancing so I can switch companies or sending all payments via certified mail to prove that they are receiving my payments with plenty of time to process. Sadly, it is cheaper to send a payment through certified mail than it is to pay online, albeit less convenient.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

good morning all you hard-working folks, my wife and i had the typical foreclosure due to underwater bubble burst situation back in 2010, the lien holder XXXX went bankruptand you guys ( government ) took over the mess they left, anyway, this company name GREEN TREE servicing LLC, XXXX az XXXX tel # XXXXXXXXis on us day n night for the balance of XXXX +- a few bucks ; under account # XXXX, for our former home located at XXXX fl XXXXwe wrote to them that, we are cover under the forgivness program and they wont stop, we would love your help to make them REMOVE this negative from our XXXX credit reporting agencies reports and from GREEN TREE collection dept, BY-THE-WAY, they had remove it from XXXX XXXX XXXX credit report and after XXXX got on their case for not removing from her, they put it back on XXXX XXXX XXXX XXXX reportsthanks so so XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My home loan recently began being serviced by Ditech earlier this year. I had a loan modification about 3 years ago and everything has been fine. I 've been making timely payments. Then about 3 months ago, after Ditech took over my loan, the deferred balance on my statements changed and it has not changed for 3 years. I called and spoke with multiple people at Ditech who did not know where the amount came from. So they told me to put in a written request. I did and only received a letter stating that deferred interest was added, but no information on where the deferred interest came from or how they calculated it. It was only a XXXX page letter stating that Ditech did n't do anything fraudulent. So I called Ditech, referenced the letter, and still no one was able to tell me where the deferred interest came from, even after speaking with a supervisor who said that he would escalate my inquiry so I would n't have to put in another written request and wait 30 days. On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Ditech stating that I needed to put in another written request and wait 30 days. I do n't see why i need to put in a second written request when they never fully answered my first request to provide details regarding the amount.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NE)

was a money order for {$800.00}. I had to send another payment ... So I paid {$1600.00} instead of {$800.00}. 

Green tree often takes XXXX months to apply payments to account and lies about balances due. I currently am current, all payments made and they claim I owe {$2600.00}. 

The commit fraud on a daily basis. They misapply payments, fraudulently state that payments are paid later than they are. They try to charge late fees that are not due or are far higher than the agree late fee amount. 

GT has caused my homeowners insurance and tax payments to lapse. 

They do not obey the CEASE and DESIST order that was sent to them multiple times. Each offense carries a {$1000.00} penalty. 

They falsify statement and loan balance. 
This company GT has contacted my neighbors illegally when they know my location and even if my account is not past 30 days.
Consumer complaint received 2017-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I received a call from XXXX x XXXX at DiTech Financial on XX/XX/2017 at XXXX. He called to ask me, " how things were going. '' I advised him that I was n't sure what the purpose of this call was but should n't you be the one telling me how things were going? He had no explanation for the call. I told him the reason for this call since I 've never received calls back from him despite the dozens and dozens of messages I left for him was the complaint filed by me. He stated, " yes, that was the reason '' even though he had no information to give me. He put me on hold for several minutes so he could speak with his manager. When he returned, he stated, " my manager has no information to give you. '' I again told him that I really did n't know what the purpose of the call was other than to waste my time. I asked him to make sure his notes on my account for this call reflected just that!
Consumer complaint received 2016-01-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.
Consumer complaint received 2016-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (TX)

I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment. 
My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.
Consumer complaint received 2015-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (MA)

EOS CCA was assigned to collect on an alleged final bill from XXXX XXXX. They never sent any communication or a dunning notice to me. The address in the bill was incorrect even though both EoS CCA and XXXX XXXX had my correct address ( see attachments ). Additionally, although by their own admission the debt is from XX/XX/XXXX, they have incorrectly reported it on my credit report as XX/XX/XXXX, which will make it stay on my report an additional XXXX years. I never became aware of this debt until I saw it on my credit report. Even though they have violated the rules set to protect consumers like me, they have refused to do anything about it. I had no problem paying it, if it was legitimately owed, even though in all the years of having national grid I have never been made aware of it, if they would remove it from my credit report. They have refused to do anything to make up for their own mistakes and I am left with a wrongfully placed collection on my account. I would like this item removed from my credit report as it should never have been placed there.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (UT)

When I applied for the checking account, I chose the option to fund my checking account by credit card for {$500.00}. My card was charged, and the bank claims they have not received the money from the credit card company and will not place my {$500.00} in my account. The bank will not help me find or return my money. I am really concerned about my money being " lost '' by a bank. Repeated calls have led me nowhere.
Consumer complaint received 2016-08-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (NE)

On XXXX XXXX, 2015 I reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, XXXX. I was in the process of selling the property and provided Bank of the West a purchase agreement, but they refused to work with us. On XXXX XXXX, 2015, less than a month later, the property closed on the same purchase agreement and Bank of the West was paid off at the amount they demanded. 
Previously, demand was made on Bank of the West to this agency for full disclosure regarding all figures supporting the payoff of this loan ; however, the reinstatement figure of {$11000.00} remains unaccounted for. Bank of the West has failed to provide itemization for this figure.
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (MO)

EOS CCA is harassing me and engaging in unlawful collection practices. This debt is being sold to many different companies after I have told the original debt holder almost 10 years ago that this debt was not mine. The current debt holder has falsified the records to make it appear that the debt is 6 years old when it is older. I also told this debt collector that this debt was not mine and to cease and desist all contact in writing and EOS CCA has not complied. This must stop. 

EOS CCA CORPORATE HEADQUARTERS XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Managing Directors XXXX XXXX XXXX ( CEO )
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AL)

REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY BACK
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (SD)

I was the victim of a scam/fraud on my bank account XX/XX/XXXX. I notified the bank as soon as I was aware of it and before they notified me. Instead of treating me as the victim I was I have been treated as the perpetrator. They froze my bank account even though I let them know that my only source of income was coming in which was my Social Security check. They let me know that they would be taking out the complete amount of what they said needed to be returned to the bank from the fraud which would leave me only {$450.00} to live on for five weeks until my next check. I was also told that since my account was frozen NO money could be taken out even by me. 
When I requested that my account be closed and my balance sent to me I was told that the balance was only {$100.00} because the teller that was handling the case authorized XXXX bills that came in after the account was frozen. How can an account that is FROZEN be used at the tellers ' choosing without notification to the account holder? 
I have had many lies told to me such as that the Area Manager of the XXXX XXXX was going to go to the branch personally and close the account and have the check sent to me by XXXX since I have NO money to live on. No check arrived. I called the branch again and the same teller said that when she went into close the account and send me the check she found that the account had been closed supposedly by Corporate Security and a check sent. However, despite me changing my address the check was sent to my old address which will have to be sent to my forwarding address then to me. I was accused of telling Corporate Security to close the account, by this same teller which I denied. I have been treated very bad verbally by this teller, had phone calls not returned by her boss at the branch, calls not returned by the Corporate office person I 've been working with and a lot of promises made and told a lot of lies. I still have no money. My money is being kept away from me and no one seems to be able to give me any answers about the fraud case or how to get my money back. This bank has even said they have very little experience with this type of thing so was n't sure what had to be done. It 's called Policy and Procedures. Needless to say I will never use this bank again. 
Due to this bank not giving me my money I have had to contact Social Security and stop Direct Deposit of my checks because I ca n't open an account since I do n't have enough money to do that to get Direct Deposit of my checks.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (ID)

I was called by a lady at the XXXX Idaho branch. She stated that they were closing my account and could no longer do business with me. She stated that I was on XXXX. I told her that my account had been opened for a.couple months and that the branch manager was aware of my situation. This is why I got a fresh start checking account. The lady was extremely rude and informed me that my debit card was shut off over a week ago. I asked why I was n't notified BEFORE it was turned off and why I am just now being aware of these problems now ... after the account has been open for a couple months. The branch manager had okay 'd that I proceeded. This is probably the worst bank ever. Now I am having to find a new bank ... and my rent will be late and I will be charged extra fees. I went with this bank due to the local branch having great customer service. This lady works at the same branch.
Consumer complaint received 2015-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NV)

On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place.