davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NATIONS LENDING CORPORATION (VA)

I am the owner of a home and have been in a Lease / Purchase agreement with the renters for two years. By the end of the two year contract, they were to obtain financing and purchase the home or move out if they could n't. They found an online mortgage company, Nations Lending Corporation XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, that they obtained financing with. Nations Lending requested that I give the renters an extension to our contract so that they would have time to complete all the necessary requirments for a VA loan. I agreed to this and had an addemdum drawn up and gave them a 3 month extension. At the end of the 3 months, the mortgage company still not have everything completed and asked for another 2 days. The Title Company, XXXX XXXX XXXX XXXX, XXXX, XXXX, sent a " Closer '' to the Buyer 's house to notarize the closing documents. She showed up 3 hours later than the agreed time of closing ... which was after the bank and courthouse had already closed. During closing, I find out that the Buyers have a loan for {$16000.00} over the sales price. I am asked to sign a XXXX showing that I am to receive proceeds from the sale. I was asked by Nations Lending to not mention to the Closing Agent that I was n't really getting the proceeds from this sale and once the documents were signed, to write a check back to the Buyers for the amount I was receiving. It was wrong of them to ask this of me and a very underhanded thing to do. ( I will have to pay taxes on these proceeds that I knew nothing about!! ) It was our agreement that I sale them the house for the payoff amount. I made nothing off of this sale. It has been four days since we closed and my mortgage still has not been paid off and the deed still has not been recorded. It is the law in the state of XXXX to record on the day of closing for a sale of property. Nothing this bank has done has been legal.
Consumer complaint received 2016-06-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Viking Client Services (TX)

Greetings, My name is XXXX XXXX. I was Involuntary discharge from the XXXX because of XXXX and because of hardship I got caught in Debt. and I decided to enroll to a debt settlement program the debt settlement program paid the XXXX XXXX XXXX XXXX in the amount of {$5800.00} taken out from my XXXX payments from XXXX XXXX. I did accept the settlement offer for some reason the XXXX XXXX XXXX Bank continued to sell me to the debt collector the Viking Client Services. and they change the account number now they want me to pay {$6200.00} now I feel so stressed and I do n't know what to do.is there anything that you can help me. I will disclose the involving party their address and telephone number. 

XXXX XXXX XXXX Bank Viking Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel. # XXXX XXXX Tel. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Tel. # XXXX
Consumer complaint received 2016-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACCESS GROUP INC. (NM)

I contacted Access Group back in XXXX XXXX about several negative marks against my credit bureau. Access Group sent me a letter XXXX/XXXX/XXXX explaining the issued was the fault of Access Group and that they would contact all XXXX bureaus and request a good standing/Loan has been paid in full. 

Now we are in the XXXX and I am saving for house, well my broker runs my credit and says that I have a lot of negative marks. So I get in touch with Access Group and I get the run around for a couple of day 's. Well I have received a XXXX letter from Access Group five years later stating the same old thing. This discrepancy is our fault and we will contact the credit bureaus and make sure it is removed. It will take approximately XXXX to be removed. That Letter was dated XXXX/XXXX/XXXX and we are now in the middle of XXXX and the derogatory marks are still on my credit report.
Consumer complaint received 2016-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

in our hardship Nationstar has given us the run around, with Modify our Mortgage, which finally it was modify in XXXX we run into another hardship situation during the trail period of the the modification, After reviewing the information and seeking information, and in trying to apply for a state program Homesaver, I call Nationstar in XXXX to explain the Hardship first of all our service point of contact does not service at all, if I email she sent me to the customer service dept. XXXX XXXX at Nationstar, Emailing her since XXXX XXXX to present minimal response back and directing me to the customer service for information, the customer service had advise us that we quality for second modification to please fill out the application and send in with all necessary document which it was done and it was denied, In contacting XXXX XXXX she stated that we had modification twice already, Which that is wrong, That Nationstar mortgage stalled the modification which cause us to do the paperwork XXXX times is another thing. We were modify once in XXXX XXXX. I call the Making home affordable.gov for information which they provided with which is doing a tier XXXX under the original modification which a tier XXXX, for situation like ours I e-mail XXXX XXXX the information and she directed me to customer service dept, The dept was unaware of the information I provide them. I e-mailed XXXX XXXX 3 times and with other issue as fee being added, Like inspection fee and misc fee. This was XX/XX/XXXX, More than plenty time for us to do something We fail in our trailer due to unforeseen situation like I was unemployed and my husband was XXXX and our tenant did n't pay us the rent for 5 mos we had to evict them and take to court, My mother was diagnosed with XXXX. now we receive foreclosure document for XXXX XXXX the investor that does allow a homeowner to do a modification only every two year. I Also in XXXX I call requesting to make some type of payment and we were told that we could n't the period has passed that I need to do a modification or pay the entire amount we were behind. Still no soluation offer
Consumer complaint received 2016-12-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Commonwealth Financial Systems, Inc. (NJ)

Commonwealth Financial Systems Incorpated has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX, I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.
Consumer complaint received 2016-09-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Called CitizensOne to request removal of PMI after viewing XXXX % LTV on mortgage statement website. We received denial letter because " Loan is not at XXXX % LTV '' letter states " XXXX Appraised value and current XXXX balance which is XXXX % LTV. Also instructed to bring balance down to $ XXXX which is XXXX % LTV?! '' When we questioned CitizensOne the rep said the XXXX is a mistake and they need to use an AVM from earlier the same year. They also said I would need to provide the full XXXX appraisal, which had already been used as a means of denial for PMI removal. 
The same letter also stated that I could order a new full appraisal at my own expense, from XXXX ( and only those XXXX ) companies. Research shows several fraudulent cases on both companies specifically centered around housing appraisal fraud. 
I do not feel comfortable, and i feel I am being forced to use XXXX of these XXXX MORTGAGE COMPANY suggested appraisal companies. 
Multiple phone calls have yielded phone calls and voice mails, each with more incorrect data. We also have copies of XXXX conflicting voicemails regarding the same loan with different amounts as balances. We are going off the letter from Citizens One, which reflects the closest to our online statement. 
Customer service rep also made remarks about me being an XXXX and that this seemed " suspicious '' I explained I was not an XXXX at Citizens or a subsidiary for several years now.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My file is merged with another XXXX XXXX XXXX social XXXX. I have provided proof of this as well as my Social Security Card, Drivers License, Utility Bill, Police Report, FTC report and a letter from the creditor stating this accounts should not be reporting under my information. The creditor in question XXXX XXXX stated that they have attempted to correct the issue with Equifax and was told by Equifax that the information was NOT being reported under my social and clearly it is. 

Secondly There is an XXXX XXXX account that has NOT updated on my report since XX/XX/year>. XXXX months ago. I have asked to have this updated and it is still not been done. The balance is significantly lower than in XX/XX/year> by XXXX % this is causing a dramatic drop in my XXXX score and is also inaccurate. They have ignored this request. 


They have ignored me and FCRA law. This is unacceptable.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

mortgage sold to another Co. And it was my mistake On XX/XX/year> sent payment to old Co shellpoint mortgage instead of New Co XXXX  for XXXX they received it on XX/XX/year> thru XXXX XXXX XXXX XXXX  but refuse to send it back, first they said it was sent but then said they have 30 day to do so talked to someone on XX/XX/year> they said they see the money there and don't know why if hasn't been sent back. I have talked to XXXX XXXX and to XXXX and they say there is nothing they can do. XXXX did give me contact info for CFPB
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance (CA)

As you probably know, XXXX is not a good choice when it comes to getting a loan or settling issues with these guys. Recently my car was repossessed due to inaccurate information given as well as deceitful tactics to get payments out of me. recently I just came back from XXXX and my finances were were not in order. So im basically playing catch up. I spoke to rep. in XXXX regarding my payments as I was 4 months behind. I told the rep I could pay 2 months which totaled out to be XXXX. She then said I qualified for a deferment program since a years worth of payments on time and my account would be current.. needless to say I never saw those deferment documents after calling and asking about it nobody seem to know anything. So with that being said My car was charged off and repossessed because of non payment. I wen tot an organization that was willing to pay the amount owed to get my car out of repossession status. The rep I spoke with was fully aware of what we discussed I repeated the terms over and over and she agreed and told if I paid that amount my car would be released to me. So the company called to get the car she had no recollection of what I was talking about so that 's twice in a matter of months either their incompetent or full of scams. Ive read one too many stories about this company.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I pulled my credit report so i can finally clear up my credit and the rep lisette was very rude and nasty towards me because she stated I took none of her calls when she tried to contact me which I have call block on my phone do to the phone number belong to someone else and if not in my contacts I explained to her I had insurance during those periods ive been scammed before and she said theres nothing they can do rude
Consumer complaint received 2017-01-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (CA)

I sent a cease and desist to all phone numbers in writing to Check N Go. It was received XXXX/XXXX/16. Today, I received XXXX calls to my work number ( but none to my cell ). I called and I was informed that the cease and desist went to their customer service but they were the collection dept ( still with check n go ) and they do n't have it. I informed them they are the same company so my cease and desist would apply to ever dept. She continued to try collection efforts and then stated she would transfer me to a supervisor. I could n't continue to hold and I terminated the call.
Consumer complaint received 2016-09-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Larry H. Miller Group of Companies (NM)

On XXXX XXXX, 2016, I contacted XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX NM XXXX. Through their website I applied for an auto loan for a used car. A short time later I received a call from XXXX XXXX. XXXX said he was employed in the Finance department at XXXX XXXX XXXX XXXX. He said " You 're approved for an auto loan '' with us. He mentioned payment amounts with a wide range. Since I had not yet specified a vehicle, I could not figure out how he could quote me payment amounts. Regardless, I told him I would review the financing offer, continue looking at this inventory, and let him know. 
After several hours when I had not gotten the financing offer, I reached out to XXXX XXXX again via email to find out what the delay was. I received no answer. The next day when I still had gotten nothing, I reached out to my salesperson, XXXX regarding the financing offer. She responded that she would have XXXX XXXX send me the correct info. He did n't. Since the date on which I applied for credit, and today, its ' been more than 10 days. During that time I have requested the specifics on the financing no less than 12 times!!! I have asked verbally on the phone, via email from both XXXX and XXXX and via their chat service. As of now I have NEVER gotten anything verbally or in writing to tell me what the results of my application for an auto loan was. As of this morning I have stopped trying to obtain this information from the dealer and have elected to file complaints regarding their deceptive and illegal financing practices. As far as I am aware, whenever a consumer in the USA applies for credit, they are to be provided, upon request, the information related to the outcome of the application. If denied, there must be a way to request the reason for the denial. If approved, the consumer must be provided with the information to make an informed decision, i.e. interest rates, financing company, additional fees if any, etc. NONE of that information has been provided despite more than a dozen requests to do so. 

Please feel free to contact me for any additional questions or info you need to move forward with this complaint. I can provide copies of the emails we have exchanged back and forth with my numerous unanswered requests for information. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (IL)

Hello, I had a credit card with Wells Fargo. Many years ago, it was closed by WF and I entered into a repayment plan in XXXX of 2011 with the understanding that they would draft {$52.00} from my account on the XXXX of every month until it is paid off. This year, in XXXX, they did not draft the payment. I received a late payment on my credit score which caused a significant drop in my credit score. I called and found that they stopped drafting it because I only owed {$8.00} and insurance which they needed to waive. I paid the {$8.00} promptly and asked to have the late payments removed from my credit reports. A month later, I received a notice that they had reported the information accurately and will not be removing the late payment. I do not think this is fair seeing that I did not stop the payment on my end. When I signed up for the repayment, the understanding was that it would draft until the account was paid off. The money was in my account at the time and should have been paid off. 

I worked with XXXX, a team lead in collections there. Her phone number is XXXX. Is this legal?
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (WA)

As a XXXX AMEX customer, I was to be transferred to the XXXX XXXX Visa Card by AMEX. I was informed to sign up for a new AMEX card as my existing one would be transferred. They did a credit check and I was approved. However before the transition, AMEX changed my AMEX XXXX to a XXXX XXXX XXXX and never transferred by account. I now have XXXX AMEX Blue Cash cards ( XXXX with my old AMEX number and the new XXXX they signed me up for ). XXXX tells me that AMEX never transferred the account and AMEX customer service has confirmed this. 

I need AMEX to transfer XXXX of those XXXX AMEX cards over to XXXX AS THEY WERE SUPPOSED TO. I do NOT want to apply for the XXXX card as it is a XXXX credit check when XXXX credit checks were promised in a smooth transition. 

AMEX staff say they are aware of the problem but I do not have a resolution. AMEX is guilty of the following : - Convincing me to sign up for a new Blue Cash Card on the basis my existing XXXX AMEX card was to be transferred to XXXX - Doing a needless credit check for a credit card I did not need ( the XXXX AMEX ) - Converting my AMEX XXXX into a AMEX Blue Cash prior to the transition WITHOUT MY KNOWLEDGE OR APPROVAL - Failing to transfer my XXXX credit card account over to XXXX. 
- Failing to communicate with me with a resolution after I have filed a complaint with them ( # XXXX ). 

What I want is simple : - AMEX to contact XXXX and transfer my credit account to a XXXX XXXX Card WITHOUT ANOTHER CREDIT CHECK or a re-application. 
- An explanation as to why my complaint to AMEX was not addressed and I was forced to file this one at CFPB. 

I have contacted : - XXXX XXXX ( MGR Membership Consulting Services ) -Shyra XXXX ( Customer Service ) - XXXX ID # XXXX ( Customer Services )
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX filed a {$410.00} debt on my report that is not mine. It has been years since I 've had XXXX and when i left they took the full amount out of my account for my remaining balance. this is a mistake and should n't be on my report.
Consumer complaint received 2016-09-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MO)

Concerning Case Numbers : XXXX, XXXX, and XXXX I feel we are now on the same page. Why is it that Wells Fargo can take payment amounts given to me over the phone to catch my account up - when the funds paid are applied not to my account but elsewhere? XXXX XXXX gave me amounts to pay to catch my XXXX payment and shortages. I sent payments directly to her yet they were applied elsewhere - why is this happening. I have made payments each month yet now it looks like my account is 3 or 4 months delinquent. Wells Fargo has acknowledged they received payments - it is just where they applied them after talking to XXXX XXXX. 
Something is not correct when a customer sends payments to be applied correctly and they are not applied correctly. I want my account corrected soon.
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.