davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans is refusing to provide me with an actual accounting of my impound account. The loan they were servicing was paid off when I sold the home. Escrow closed on XXXX XXXX, 2016. They sent a check dated XXXX XXXX, 2016 to me indicating it was an " escrow release - paid in full ''. On XXXX XXXX, 2016 I spoke to XXXX at Caliber Customer Service asking for an accounting of the impound account with actual numbers - not estimates and projection. She said it would be sent. Instead I have received a letter stating that my request for " mortgage release documents '' had been sent to the Servicing Department and I may or may not be the one who will receive the document. The impound account contained my money. I think I should be able to get an accounting of what Caliber Home Loans did with the money.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (TX)

I went to XXXX and reported that I had identity theft and that my accounts and debit/credit cards had been compromised.. I only use XXXX banks and dont ever recall opening up a XXXX account.. I was told that I had an account and that I abused it.. Due to the stress this identity theft has put on me I didnt argue I just told the guy how can I fix it immediately.. He said I had to pay the debt owed.. Long story short I paid at and made them aware that me paying it doesnt mean that I owed it and that I needed of off my report.. He told me ok aand in addition I should still dispute it and get a police report.. Which I did.. I wrote EWS a dispute and asked them to VALIDATE the information and send me copies of my documentation they have regardling this listing that bears my signature and also asked them to delete the info from under my social security number. I have yet to recieve any of this info and its been well over 30 days. I also want the names addresses and telephone numbers of the people they contacted at XXXX ... There may be identity fraud involved. I am aware of the XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 )
Consumer complaint received 2016-04-19
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Direct Recovery Services, LLC (TX)

A phone number was calling me so I called back. The first person I spoke with asked if they asked for when I called and I said yes and then was put on hold. After a couple of minutes of being on hold I hung up and called back. When I called back the gentleman who answered the phone asked me if I was " XXXX XXXX '' and I said yes. I then asked him what company this was that was calling me and he said, " Direct Recovery Services ''. He then told me XXXX XXXX has hired them to collect the debt for them. I informed him I do not pay anything unless I have it in writing. He stated they have mailed notice out and I informed him I have not received it. I asked him to mail XXXX out because I do not pay anything over the phone unless I have proof of debt. There is so many scammers out there plus they do n't even answer their phone by stating the company name. I have no idea if they are legit or not. He told me to get in touch with XXXX and they will direct me to them. I again told the gentleman I do not pay anything over the phone without documentation. Rudely he told me they have sent out notices. I again told him I have not received any notice. I then told him he is not to call any other phone number except for my number XXXX so he does n't have to harass anyone else to just call me. He stated he was not harassing anyone and he is not going to mail out anymore notices and there will be no settlement offer. I told him I do n't pay unless I have proof of debt and I hung up. The gentleman on the phone was rude.
Consumer complaint received 2016-04-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XXXX/XXXX/2016 I contacted them XXXX XXXX XXXX XXXX XXXX to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion is stating wrong facts on report. 
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX but was not the actual borrower. Since this was a business debt with a different organization other than myself, XXXX XXXX ( hereafter called XXXX ), it never appeared on XXXX personal credit record. The business has a different tax ID thenPH, and this debt before purchasing by XXXX XXXX was never on XXXX credit report XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with XXXX , XXXX and has been paying with never a late payment the agreed upon amounts. 

XXXX , XXXX has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. XXXX XXXX , XXXX bought the debt. 
When previously submitting this report before against XXXX, they never investigated fully as well as we did n't have the rebuttal letter from XXXX , XXXX that we are submitting This false reporting that the debt is in collections is wrong and it is not delinquent at all with XXXX , XXXX
Consumer complaint received 2016-07-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I want to pay more than the minimum monthly payment on my loans with interest, but there is no way to do that. The only option on the THECB loan repayment website ( XXXX ) is a lump sum payment that the organization then separates among the loans at their discretion. To change the automatic disbursement among multiple loans, a payment must be made and then a phone call must be placed to them during their business hours, and a request must be submitted to change the payment. The process is too long and difficult, and they have only successfully completed this request one or twice out of multiple attempts. It is in their benefit for my extra payment to be placed on my no-interest loans instead of my loans with interest, and I believe this scheme to be intentionally so. It is too difficult for an average consumer to pay down the high-interest student loans. There should be a less cumbersome method for choosing how to allocate payments among multiple loans.
Consumer complaint received 2016-07-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Long story short a payment was missed 2 years ago resulting in the repossession of my vehicle. From the date of the missed payment until the repossession no other payments were missed. Made several attempts to have the payment added to the end of the lease as a finale payment but the company declined to do so. After the vehicle was possessed I began the process of recovery. Paid the past due balance in full as well as misc. fees accrued by the repo process including a new key {$170.00} for the vehicle which brings me to my complaint. The vehicle was taken on a Saturday and I recovered the property on the next available business day to do so. I told the representative over the phone that the key was not necessary and that I have the ability to re-program my key thus making theirs useless to me. I accepted the key over the phone under duress ( stated over phone ) because if not I would n't be able to recover my property. When I signed the paperwork to release the vehicle I included in writing I was refusing the key and left it with the person handling the release of my vehicle. Flash forward a few months and im received threating calls to have my car " XXXX '' or that they will repo ... ..again. Im not too sure how this process works but im not a fan of how this company has conducted themselves thus far and hopefully this will help my voice be heard.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (DE)

Seneca Mortgage Services is a predatory company and my case is the smoking XXXX. Their business model can be outlined in three very simple steps : 1 : Buy delinquent mortgages from upstanding banks In my case, my loan was purchased from XXXX after I fell behind on my payments while experiencing a physical hardship that made it impossible for me to work. 
2 : Make sure the consumer FAILS at a loan mod or repayment program. 
This is something I DID NOT FAIL TO DO. All of my payments were made, in full, and on time. However, this is the " smoking XXXX '' I mentioned earlier. 
3 : Send the failed mortgages to Sheriff Sale so they can make money on the sale of the property. Self-explanatory. 

While on vacation, a letter notifying me of my property going up for Sheriff Sale was placed on my door. I did n't panic because I knew all payments were made. 

Basically ... they EVEN tried their three step plan on me. On a loan that was no longer delinquent, or had ANY OUTSTANDING PAYMENTS. 

If they tried this on me ... they 're trying it on everyone. PLEASE HELP STOP THEM.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint against Trans Union. My written dispute was received by Trans Union on XXXX XXXX, 2016. Trans Union did not perform an investigation. The credit report was a regular credit report ; not the annual credit report. Since it was a regular credit report according to the Fair Credit Reporting Act, Trans Union had 30 days from date they received my written dispute to conduct their investigation. Today is XXXX XXXX, 2016. Trans Union clearly has violated the Fair Credit Reporting Act. Items that can not be verified within the 30 day period must be removed from my credit report. Please make Trans Union remove these unverified items listed below. Trans Union is and has violated the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX I have wrote Trans Union more than 5 times, with proof showing them I have never lived in TX. That this address was used when my identity was comprised, but they will not remove this address. 

Please help me.
Consumer complaint received 2016-07-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

I have asked MERCHANTS & PROFESSIONAL to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

We have a mortgage with Chase. They have been charging us for Mortgage Insurance. 
Chase for several years kept on telling us we were underwater. First they said they were using a formula that XXXX used. XXXX denies getting involved with the mortgages that they invest in. XX/XX/2014, since we were underwater, we filed a request to Arizona Department of Housing for a grant. Arizona did a complete analysis of the value of our home and determined that our Home was not underwater. We sent the documents to Chase and they ignored our request. We even sent them a Agent 's opinion regarding the value of the property. Never a response. We requested several times a certified copy of the insurance policy so we could review the terms and conditions. The only response we received was a call advising us that the policy was confidential. Nothing like hiding the facts. This year we received a statement advising us that we could request the Mortgage Insurance removal. We did and we received a letter requesting over {$450.00} to review the property. Chase already had the information for over two years and they did nothing. Further, the money they want is really a penalty for the removal of insurance that, under the present value, will pay nothing. Its an illusion that the bank is merely making pure profit without any risk. This conduct is unethical and criminal, taking money for an illusion where there is no risk. We should be allowed to see the policy and the bank has the ability to verify value without making us pay money which acts as a chill from customers to request the removal of the mortgage insurance. As a simple alternative, a reasonable fee could be added to the loan without making people spent almost a year of premium to get it removed.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

I been banking with wells Fargo bank for over a year.And my Attorney deposit a large amount of money in my account.My bank is try hold my check up.And i call wells fargo and told them my money suppose to draw interest 2 days after my attorney put the check in my account on friday the XXXX of XXXX.And XXXX the Supervisor said it dont drawing interest until the hold come off on the XXXX of XXXX and XXXX not true.And my lawyer bank verified the check for wells Fargo.I dont want to bank with them tgey are trying to steal some of my money and tgey are stealing from me when they told me my money dont draw interest until the XXXX when the hold comes off which is not true.They said the put the hold because of overdraft and i dont use check at all, i had to change my account number 2 times and wells Fargo said no one will go in my account and they lie.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I cancelled my XXXX XXXX XXXX card in XXXX of 2016 because I did not want an account with Citi. In early XXXX, I received a card from Citi anyway. I called Citi about this, and they said that they could not verify whether or not the account was transferred until XXXX XXXX. I confirmed on my XXXX account that the card was already cancelled. Now Citi is saying I have an account with them. How is this possible if I cancelled the card and have never applied for an account with Citi?
Consumer complaint received 2016-07-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

I entered into a lease agreement with Nissan Motors Acceptance Corp. XX/XX/XXXX. On XXXX XXXX, the first payment on the lease was made on their website, XXXX. ALL of my monthly payments are made online. On XXXX XXXX, 2016, I sat at my kitchen table and paid bills. The Nissan payment was never taken from my account. I did not realize this had occurred until I logged into my account in XX/XX/XXXX to make the XX/XX/XXXX payment. They indicated that there were attempts to contact me, however I never received a voice mail from anyone at Nissan. They are unwilling to work with me to clear the late pay from my credit report. This is nothing more than a misunderstanding, and I believe that the consumer should be given the benefit of the doubt. I am attaching the email sent to one of the Managers in the Collections area. The email was sent to both his personal and corporate email address. When I spoke with XXXX today, she again indicates the payment has not been made. I made the payment on XXXX XXXX. Also attached is the letter that I am sending to their Consumer Affairs Department. I am a very frustrated consumer.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation (TX)

I tool out a private loan with ASFG when starting XXXX college. They closed their doors before I finished school. I do n't believe I should have to repay when I have n't finished my education. I am getting harassing calls. It needs to be stopped. Of other students are getting their loans wiped, I believe money should be tok.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VA)

On XXXX XXXX, 2016 I received a letter from Macy 's thanking me for an inquiry that I DID NOT MAKE. The next day a refund check was issued for the balance on my Macy 's card in the amount of {$310.00}. I called Macy 's customer service immediately to figure out why I received these letters in the mail and was left on hold for a total of 2 hours and spoke to various representatives in various offices. They were able to identify that a fraudulent payment of {$300.00} was made to my {$100.00} limit account in XXXX, and that a fraudulent request for the balance to be refunded as a check was made shortly after. They told me they would issue a credit to my account to take care of the balance and that it would reflect on my next billing statement. I was advised not to cash the check that was sent to me. They assumed the payment was applied to the wrong account. On my XXXX billing statement I noticed on XXXX XXXX there was a payment reversal in the amount of {$300.00} and that was the reason for my card that I owed NO money on to now carry a {$300.00} balance. I waited the month they instructed me to, and attempted to use my card for a {$30.00} purchase in the store. When the purchase was declined, the sales associate called customer service to help me figure out what was going on with my card. I was on hold and in the store for a total of about 1.5 hours. There was no resolution and I paid cash. When I got home, I called their Fraud department and again, was on hold for over an hour while managers and service employees combed through my account records trying to figure out how the payment was made to my account without my consent and how the refund was authorized BY FAX without my permission and without proper identification. The request made by the fraud department was to send them a copy of my license for identification along with a description of the fraud my account has endured. I was completely thorough and included dates and descriptions of the transactions. I mailed everything in, and never received notification of receipt nor a response on any kind of progress with my case. The lady from the fraud department reassured me that the original disputed amount as well as all late fees associated with the fraud case would be taken care of and that all negative reporting to the credit bureaus would be removed upon resolution of the case. She advised me to close the account to stop the accrual of further late fees. I have been consistently charged a late fee for a balance that i never authorized for a total of 7 months with still no resolution. This has had a horrible effect on my credit score because of the monthly reporting of an unpaid balance. Also having to close my first and oldest account of 10 years has had a negative impact on my credit score as well. This is unacceptable. On XXXX XXXX, 2016 I received yet another letter from Macy 's regarding the check they issued to me on XXXX the XXXX notifying me that I have 60 days to cash the check I never asked for before they place a stop payment on it.