davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CASHCALL, INC. (CA)

After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of XXXX XXXX in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

I have XXXX concerns with the mortgage servicer, Caliber Home Loans:1 ) I was provided an annual escrow disclosure statement by Caliber Home Loans and notified that my shortage was {$92.00} on XXXX XXXX, XX/XX/2015. I paid the mortgage shortage amount in its entirety ( {$92.00} ) and the funds were posted on XXXX XXXX, XX/XX/2015, but listed on my XXXX statement as " single item receipt. '' I contacted the servicer to determine whether the payment was misapplied and why the monies I sent were not applied to the escrow shortage as directed on my check, and informed that they would counduct a new escrow analysis on my account. In the meantime, my new statements reflect the increased amount of $ XXXX/month from {$710.00} ( prior to the escrow shortage statement ) which includes an escrow adjustment amount of $ XXXX/month which should have been satisfied with the escrow shortage payment. 
2 ) I inquired with Caliber Home Lans whether my account was eligible for cancellation of the private mortgage insurance on this account. I faxed a letter on XXXX XXXX, XX/XX/2015 to an address and phone number supplied by the customer service representative : Caliber Home Loans, Attn : PMI Department, XXXX XXXX XXXX, XXXX, TX XXXX and fax number, XXXX. I contacted Caliber Home Loans again on XXXX XXXX, XX/XX/2015 and spoke with XXXX ( ID # XXXX ) who indicated that my request was received on XXXX XXXXXX/XX/2015. Based on my payment history ( no late payments ) and length of my mortgage, he confirmed that I qualify for cancellation/termination of private mortgage insurance ( PMI ). To date, I have not received a written acknowledgment from Caliber Home Loans of my request for cancellation, or instructions on next steps. A review of my statements, however, show that I 'm paying approximately $ XXXX/month in private mortage insurance. I would prefer that those monies immediately be applied to the principal of my loan, and not to a financial instrument that I 'm not required to have, or desire to have any more.
Consumer complaint received 2015-12-18
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial (WA)

I was contacted by XXXX XXXX, who identified himself as the Lead Investigator for XXXX XXXX XXXX on XXXX XXXX, 2015 at XXXX XXXX. In the voice mail that was left on my cell phone, this gentleman divulged private information, including my social security number and stated that a lawsuit had been filed. Minutes later, he called me at work and left a voicemail stating that I have 5 days to call him or that legal action would be taken. To date, I have not received anything in writing from this collection agency.
Consumer complaint received 2016-01-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Advance America, Cash Advance Centers, Inc. (CA)

On XXXX i was contacted by phone by XXXX financial group.They said I owed them {$880.00} from a debt that was given to their office in the year XXXX to collect. The original debt was for a payday loan from the year XXXX from Advance america in XXXX XXXX california. the loan was for {$300.00}. I asked for them to mail me documentation and she said they were in the process of sueing me for this debt and there wasnt time to mail it. she suggested that they email some info to me. I got the email and it said i need to contact them by mail within 30 days. They had told me on the phone that they were serving me court papers if i didnt make payment arrangements. i told her that the original debt was only {$300.00} and she told me there were legal fees. I know theres a statute of limitations in california of 4 years on debt. i believe XXXX know this and are illegally trying to collect this debt and im real worried there gon na get a judgement against me without me knowing. please help this debt is almost XXXX years old. i reached out to advance america when i originally fell behind and they refused to work with me with payments. I had not heard anything from them since, til now. They are trying to get a judgement against me for and amount i do not owe for a debt that is 19 years past statute of limitations.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (OK)

pinnacle credit has reported a debt from XXXX wireless without providing proof of debt I do not owe this debt and I have contacted XXXX they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

Have been attempting to conduct a Short Sale with Citi Mortgage - unsuccessfully. Citi has been unresponsive, has not returned calls or emails and fails to fulfill what they indicate they will do. Here is a quick timeline summary. 
XXXX - Submitted a FULL & COMPLETE Short Sale Package to Citi XXXX - Called Citi and confirmed receipt of the package XXXX - Conducted a successful phone interview for short sale pre-qualification, then scheduled a callback for XXXX. 
XXXX - Received the scheduled call back from XXXX XXXX XXXX. He reviewed all documents with me on the phone and said the package was complete and also that the previously completed BPO ( valuation ) was still current. He indicated the file would be forwarded to a negotiator that same day and that XXXX would call me the following week with an update. 
XXXX thru XXXX - During this time I tried to call 6 times, spoke to 2 different Managers, emailed XXXX 2 times and scheduled 2 additional callbacks -- all communication attempts were unsuccessful. I was however able to determine that the file WAS NOT sent to a negotiator. Also no one else could discuss the file and XXXX was never available and Citi 's phone system does not allow an outside caller to reach a specific extension or person. 
XXXX - Finally reached XXXX XXXX who indicated ( again ) that the file was complete and he would rush the file to underwriting, as a precursor to going to a negotiator. I scheduled a callback for XXXX. 
XXXX - Spoke to XXXX XXXX who indicated the underwriter did approve the relocation assistance for the seller and that the file was being assigned to a negotiator ( as we spoke ). He indicated he would get the negotiators contact information and call me right back. 
XXXX - Still no call back
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (VA)

RE : XXXX Contacted Navy Federal CU to setup my mortgage payment this month. Due to recurring issues with car repairs I had to set the payment up in two installments, the first payment dated for today and the second payment dated for XX/XX/XXXX. 

I was told by a collections rep, by the name of XXXX/Employee ID # XXXX, that it was against their policy to set the payment up in installments. I have felt with this issue before with Navy Fed CU and advised the representative that he was incorrect and that he needed to set my payment up as I had requested. 

After dealing with his frustrating and harassing tactics for over 30 minutes he finally set the payments up as I had requested of him, in installments as outlined above. The employee did not act in accordance with their policies and procedures and I asked him on many occasions why he was refusing to take my payment. He refused to answer the question, primarily because calls are recorded. 

It seems to me that this tactic can be construed as Navy Federal CU causing consumers frustration and stress which could lead in consumers becoming delinquent with their mortgage payments. Navy Federal CU needs to put a stop to these harassing tactics - when consumers call in to make a payment they need to be accommodating and not harassing. I would like this concern to be made public and I want someone in Management or in the Legal Dept at Navy Fed CU to contact me. 

Lastly, I want to also mention that my mortgage with Navy Fed CU has never been more than 30 days late so I do n't deserve to be treated like someone who is n't paying their bills responsibly.
Consumer complaint received 2016-02-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I am receiving calls from a company called Santander Consumer USA/Drive Financial XXXX XXXX ) who keeps contacting me regarding a XXXX XXXX. I informed the representative that I have no idea who that is. I also informed the rep. to discontinue calling my phone number, but they still contact me regardless.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (IN)

My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem.
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I purchased a vehicle in XXXX 2011 that I put XXXX down on to rebuild my credit I was XXXX told it would be XXXX then told that it was not available on that vehicle it would be XXXX I was not happy but was planning on paying car off early so went ahead. I got the loan through Ally from XXXX I made my 1st payment higher than required and in same month made XXXX toward principal I made payments on line and it did not look right so I called. i told them this was a principal payment and since they do n't show it on there online payments do I need to mail instead. I was told just call and it will be corrected. I made numerous payments early and three principal payments and feel that Ally did something to somehow keep interest not allowable. I refinanced loan that they say was still over XXXX when I only had loan 2 years and paid off app ; XXXX of XXXX which I believe balance was around XXXX @ XXXX
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have been receiving demand letters from Nationstar every month, for over a year. Same letter but amount we owe changes every month. We have asked Nationstar countless times to explain how & why they came up the amount they say we owe ... They say we are missing previous month 's payment yet we have sent in payments & they have been cashed & cleared every month. No one at customer service can give us a straight answer. They say research department will get back to us but we never ever get a call back. We feel we are being progressively harassed every month. 
Want to see our payment history, where our payments being applied to. If missing payment, tell us which month we will provide copies of clear check.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I am in the middle if a modification once again with OCWEN LOAN SERVICING. They are doing the same thing that they did before, stating that that they did not receive papers that I have sent them over and over again. In the midst of them working with me, THEY SENT ME A FORECLOSURE LETTER. This is a XXXX XXXX case.. 
MY DOCS HAVE BEEN ROBO SIGNED BY OCWEN. PLEASE HELP. I SENT A VALIDATION REQUEST OF THE AMOUNTS TO OCWEN AND THEY IGNORED IT. THEY ARE IN VIOLATION OF SEC 809B OF THE FDCPA
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (PA)

Attempted to collect wrong amount. I never had the services for the above said amount {$340.00} from XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me Because of this my credit score has been drastically gone down. Please help me asap.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

This is my second compliant on my mortgage company. Back in XXXX they sent me a letter stating they was adjusting my mortgage payment to XXXX due to a new escrow fee of XXXX. I put in a compliant at that time due my taxes for my house is less than XXXX a year. Per the result they sent me and your company they adjusted my mortgage to show the amount i need to pay which is in the letter i am sending over. But they have not change anything. Since then all of my payment has not been posted correctly. My escrow balance in XXXX was XXXX and now it is XXXX. So now it show my behind on my mortgage. I seriously think they are doing this on purpose due to my bankruptcy will be over in couple of month and I think they will try to foreclosure on my home. I just want my payment posted correctly and mortgage payment corrected. I am stress out over this. Sometime I feel like just giving up because they are not helpful over the phone at all. I just dont know what else to do at this time. The crazy part is that i complain the last time and they corrected in a letter to both of us but never really did anything. I dont even know I can even trust the outcome of this investigation. I truly feel they are trying to take my house.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Express Recovery Services, Inc. (UT)

We had XXXX XXXX come to our house and offer to do in blown attic insulation for free to us as long as we applied for XXXX credits, XXXX through our natural gas company and XXXX through the federal government on our taxes. We filled out our natural gas company XXXX and received the check and sent it to them. When it came time to do our taxes we found out that the credit that they claimed was still valid was not valid, we spoke to a representative of the Internal Revenue Service to find out that the credit they wanted us to apply to our taxes had expired 2 years before their service. On the form we signed it specifically states " In the event that i have complied with the above terms and done all I can, and I do not qualify to receive any part of the rebate check ( s ) I will not owe Penguin Insulation that portion of the Total Amount Financed. '' I think I did all I could to try to get the rebate but I am not going to cheat on my taxes to do it. I called penguin insulation multiple times to try and resolve these issues but after 2 years they instead sent me to debt collections.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CONTOUR MORTGAGE CORPORATION (CT)

In addition to my first complaint I wish to add this information. On XXXX/XXXX/15, after supplying Contour Mortgage with the last of the requested documents, which was an updated bank statement and gift letter. Contour Mortgage informed my loan officer, XXXX XXXX there was more documents and inspections that needed to be done. Well I also found out that XXXX XXXX was not XXXX certified. In my state of aggravation Contour Mortgage I proceeded to make phone calls my way from XXXX XXXX to XXXX XXXX then finally, XXXX XXXX XXXX. After speaking with XXXX, who said he was the person in charge of XXXX and the underwriter XXXX XXXX ), he made it perfectly clear that my loan was locked in and he would go over my loan file to make sure it was processed expeditiously, because I had advised him of the XXXX XXXX 2 ) extensions that had already been made with the seller and we were now going into the third extension with the seller ( HUD XXXX and there would be added expenses relating to this extension. On Monday, XXXX/XXXX/15, I called XXXX to find out how things were moving along and he said he would get back to me by the days end, which he did not, but I did receive an email from Contour Mortgage through XXXX XXXX. In this email there was a PDF attachment which states the new and " XXXX '' Conditions ( Prior to Approval XXXX. In the conditions it said I, ( the buyer ) needed to provide contractor estimates for Lead based paint, electrical, and HVAC system. These estimates have been provided and there is a lead disclosure and credit for work to be done. Also, the utilities can not be turned on to provide an inspection, because the repairs have to be done first, which there is an estimate that was provided as well. Contour Mortgage is also asking that the new estimates they want, MUST come from contractors that hold a valid license and XXXX policy and have Contractor Identity of Interest Certification etc, etc, etc. So, the requested documents I needed to provide went from XXXX to XXXX in a matter of a couple days. I am able to provide a PDF copy of the final demands that Contour Mortgage is requesting. All the information they are asking for was information they had in hand at the beginning phase of this loan application. I am upset they have me jumping through hoops that seem to never end. I can not seem to satisfy the underwriters requests. I have read others reports on the XXXX web site and found there have been others who are dissatisfied with Contour Mortgage Company. My realtor and I have been transparent through this process, but when we ask questions and demand answers, Contour Mortgage employees never answer, never return emails or phone calls or simply put, do n't have the answers, other than a XXXX loan has many steps.