davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

We are requesting the following information from First American Title Insurance Company in writing. 
1st- We signed a Note and Deed of Trust at the XXXX Nevada location on XXXX XXXX 2006 for XXXX. What was the date that First American Title sent the original documents to XXXX? 
2nd- how did First American Title send those documents, federal express, USPS or XXXX? 
3rd- for the property located at XXXX XXXX XXXX , did the investor ever cash out the insurance policy that the investor had with First American Title, file # XXXX? 
4th, if so, please provide dates when cashed and to whom was the funds paid too? 
Thank you for your time.
Consumer complaint received 2017-01-19
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PHH Mortgage Services Corporation (FL)

PHH Mortgage Corporation - Mortgage Service Center is a " debt collector '' pursuant to 15 USC1692a ( 6 ), 15 USC 1681n, and Florida Statute XXXX ( XXXX ). I have mailed several request to PHH Mortgage Corporation by certified mail for verification and validation of an alleged debt. 

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of Debts and Florida Statute XXXX - Assignment of Debts, In a my correspondence with PHH Mortgagae Corporation, I asked that it 's agents provide supporting evidence to substantiate its claim., within thirty ( 30 ) days. 

PHH Mortgage Corporation, through its agent XXXX XXXX, has attempted to seize my property and alleges, in a complaint filed in the State courts of Florida, a default on XXXX XXXX, XXXX. 

The complaint alleges a default on a loan on XXXX XXXX, XXXX. However, this company 's alleged claim is based on an fraudulent assignment recorded XXXX XXXX, XXXX, 11 months after the alleged default. 

Also in a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX using a XXXX letterhead acknowledged receipt of a debt dispute and in response mailed a second letter dated XXXX XXXX, XXXX with a PHH Mortgage letterhead alleging XXXX XXXX as an investor on the account and listing XXXX as a servicer on their behalf. 

I have several account statements from XXXX marked with the original account number showing the account is still open and alleges I owe {$80000.00} and lists PHH Mortgage Corporation as the servicer. 

The account statement from XXXX for the account raises the question did PHH Mortgage Corporation give value for the alleged assignment as required by Florida Statute XXXX and the Uniform Commercial Code.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I have private student loans that were originally serviced by XXXX XXXX then transferred to Navient. They wanted me to pay over {$600.00} a month, always starting that I had no other options available to me. I was also told 5 years ago that since my mother had passed because she was the consigned ; that they would be forgiven. Every time I called I was told a different lie. Recently my loans have gone into default but they keep saying I 've been making payments of {$400.00} plus dollars a month even though the charged it off so it 's affecting my credit now. The original amount of my loan was {$30000.00} now it 's close to {$60000.00}. They do n't send out letters of any kind yet the say oh the letter is attached to your account. If you refuse to send me information about my loans how am I suppose to know the steps you are taking. I could go on and on but I will just say I 'm happy karma has caught up to them. Thank you ...
Consumer complaint received 2016-06-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WI)

Due to financial constraints, and holding on to my property post the height of the economy ; I opted to try to sell my home to get out from under it. I purchased my home in 2006, the value of the home is barely what I purchased it for. I purchased it for {$270000.00}, appraisal is for {$280000.00} with all the upgrades in the last 10 years. I had a buyer with an offer of {$270000.00}. The offer was accepted by the first mortgage and denied by the second mortgage, therefore forcing me into forclosure and ultimately bankruptcy. The load was a fannie mae dictating how much money would go to the second mortgage. The system is broken. I thought things were better to support this type of situation. How can a bank deny the sale. How can a bank deny the sale based on " principle '' as they said to me. They would rather have nothing than the amount offered to them.
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and their XXXX has caused to be recorded a Trustees Deed of XX/XX/XXXX reference document number XXXX showing Grantees as XXXX XXXX XXXX and XXXX XXXX. 

Dual Tracking is a practice of concurrently having a customer in both loss mitigation and foreclosure processes. In this instance, Bank of America had not yet completed the MHA HAMP modification process before beginning the property separation process as evidenced by the recording of the Notice of Default ( NOD ) on XX/XX/XXXX. On XX/XX/XXXX a Notice of Trustee 's Sale ( NTS ) was recorded and the debt associated with the XX/XX/XXXX Deed of Trust was sold at auction on XX/XX/XXXX for {$320000.00}. 

Bank of America has represented to me multiple times in writing I have been denied access to the Bank of America Borrower 's Home Loan Modification Status iportal since XX/XX/XXXX which is a violation of the National Mortgage Settlement ( NMS ) enforced by the XX/XX/XXXX Consent Judgement Order. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (PA)

On or about XX/XX/2016, I contacted Navy Federal Credit Union to be prequalified for a VA mortgage. Based on the answers to the questions they asked, I qualified for the loan. After locating a home, I began the process of securing the loan. After all of my documentation was submitted to Navy Federal Credit Union, the loan was on track to close but then was supposedly denied due to non-traditional income because I am a truck driver. I am paid by the mile not hourly. I do not work for myself but receive a XXXX from my company. The Navy Federal Credit Union representative I was working with told me that I was turned down for the VA mortgage but they could switch me to a conventional mortgage. I asked for a letter stating there determination and reason but have not received one. Going conventional meant the interest rate went from 3.375 to 5.5 for a 30 year fixed rate mortgage. Virtually doubling the rate. Needing to close the mortgage because we were already living in the home, based on Navy Federal Credit Union assurances we would close in XX/XX/XXXX then XX/XX/XXXX, after switching to conventional, we finally closed XX/XX/XXXX. I do not feel that I was treated fairly, after consulting with other lenders and that Navy Federal Credit Union should have been able to determine my eligibility for the VA mortgage before having me invest a tremendous amount of time in the process and moving into the home based on their assurances. Sounds like bait and switch to me.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

My loans were transferred from the XXXX to Navient. Once that happened my loans have not been the same, it seems as if the interest rate is incorrect and very hard to repay back. I consolidated my loans and now I have the old XXXX loans and Navient ( Who use to be XXXX XXXX ) loans on my account looking as if I have multiple loans, when really they are just one loan reported twice. I have called and complained plenty of times to Navient and they said it was out of their hands, but they are the only ones who can correct any of my issues with them. I am concerned with the interest on my loans, with the rate that I am going I will never be able to pay them back. I really hope someone stops Navient from doing what they do and I hope I can get help with my loans. My goal is to have any loans my Navient completely erased as a penalty of their wrong doings.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

A complete financial package was submitted to Caliber beginning on XXXX/XXXX/XXXX. Caliber has an unreliable facsimile as it has not received several faxes from our office in which we have confirmation of fax delivery beginning with the initial submission. Caliber did not allow the borrower 's legal counsel authorization to speak even though XXXX XXXX of XXXX XXXX XXXX XXXX is the attorney of record in their foreclosure and after repeated attempts of faxing Written Authorization to XXXX. XXXX stated they did not receive our authorization for over a period of a month prior to allowing the borrower 's legal counsel authorization to speak on the borrower 's behalf. After repeatedly faxing the Notice of Representation to Caliber. Caliber insisted they did no receive it on XXXX/XXXX/XXXX per Representative XXXX # XXXX, XXXX/XXXX/XXXX Per representative XXXX ID # XXXX, XXXX/XXXX/XXXX XXXX id # XXXX, XX/XX/XXXX- Closed for XXXX XXXX, XXXX/XXXX/XXXX No authorization was received until XX/XX/XXXX. We have had similar incidences with Caliber not receiving documents faxed on behalf of the client with confirmation ( hereto attached ) in which Caliber states they have never received it and thus closed out the borrower 's request. Caliber 's unreliable fax is being used as an excuse to not review the borrower 's request for a loan modification and there faulty fax is preventing the borrower from being reviewed. Caliber has continued to close the file for incomplete documents but has not provided what documents are needed rather verbally or in writing. The missing documents letter ( Hereto attached ) states the file was incomplete but does not advise the borrower what documents are needed. The file is closed sooner than the 30 days allowed for providing missing documents. The borrower has submitted another complete financial package to caliber and request for caliber to review the financial package the borrower has submitted since XX/XX/XXXX
Consumer complaint received 2017-02-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMO Bank, N.A. (IL)

The BMO Harris Bank auto loan department, loan approve person part of this fraud with my name and credit not following proper procedures application to review at the time I did not know the when I file the complain to attorney general state of Illinois. I discover this when I requested that XXXX XXXX, BMO Harris Bank mortgage loan originator, to send me an original copy of the good faith contract that my wife and I had signed but I have not received that yet. Instead, XXXX XXXX sent me the copy of the original auto loan paper work which was postmarked XX/XX/2012. It is from these auto loan documents that I learned about the fraud that was committed. In the Applicant 's Credit Statement section of the auto loan documents, they list my name, date of birth, social security number, and home phone number with XXXX XXXX XXXX 's home address, place of employment, salary, and business phone number. This was done without my knowledge and permission and is clearly fraudulent. The rest of the documents list my name with XXXX XXXX XXXX 's home address. I was also unaware that the car financing was switched from XXXX to BMO Harris Bank as most of the addresses for XXXX are changed out and BMO Harris Bank 's address is listed instead. 
Harris Bank auto Loan # XXXX In end my only complain about Harris Bank not following proper procedure for loan. I never work as developer and make over {$58000.00} that the lie.
Consumer complaint received 2016-12-16
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (TX)

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.
Consumer complaint received 2016-06-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (NJ)

The firm Pressler & Pressler is harassing me treatened they are keep sending letters from a debt collecting agency they never rest knowing that they put false default judge against myself in the court which they probably file online, they is money randomly from people who work hard to pay their bills, I already prove them that the false statement of the debt is not mine they took {$450.00} from a bank account I had with XXXX XXXX the motor vehicle send me a letter that I can not do noting with my car, I have my mother sick also I got to helper.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I moved out of XXXX XXXX XX/XX/2012. I moved into my new home XX/XX/2012 and I was ordered by court to pay backrent at XXXX in the amount of {$1300.00}. ( see attached court document from my credit report ) My debt was sold by XXXX or XXXX XXXX to National Credit Systems ( as it appears on my credit report ) or XXXX XXXX XXXX at a new amount of {$2500.00}. ( see attached document from XXXX XXXX ). I 've contacted National Credit Systems and XXXX XXXX over 20 times trying to get in contact with the original owner of this debt to find out how this debt increased. XXXX and XXXX claimed they could not make contact with their client and I do n't believe they ever did. I asked for the client 's name and address ( as XXXX XXXX no longer owns XXXX ) and after months, XXXX XXXX could not provide this information. The only information XXXX XXXX could provide was the attached documents. I also requested that documentation be sent to me showing how the amount increased from {$1300.00} to {$2500.00} but they could not prove that either. They can not tell me the months being charged or the interest rate. I know that I moved from the property and can provide documentation of the new address and the time that I moved to the new location. These companies have placed an illegal debt amount on my credit creport and need to remove it instantly. Again, XXXX charged me a bogus amount of back rent after I settled with them in court and vacated the property. The " supported '' document provided by XXXX XXXX shows a letter sent to the apartment or some location that I never received since I had already settled in court and relocated. XXXX XXXX has thretened me with a law suit for this matter and has not offered a settlement amount, nor provided the name of the client that owns this debt. I do not owe this debt amount and none of the parties can prove " how '' I do.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
Consumer complaint received 2017-01-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The debtor is currently in the process of short selling her home. During the preliminary Title review, XXXX abstracts of judgments were found by FIA card services. Title contacted Attorney that file the Judgment and was informed that they no longer represent the client and that is now been serviced by Bank of America. We contacted Bank of America requesting a demand to settle this judgment and obtain a release. As a response we received a demand letter for {$6400.00}, however, in that demand there is not sufficient information to verify the following : 1 ) that this debt, in fact, is the ones mentioned on the judgements attached to the property 2 ) that in fact this amount will settle the XXXX judgments attached to the property. 3 ) that upon receipt of payment this company will send to debtor Acknowledgement and Satisfaction of Judgments 4 ) that Bank of America is the representative for FIA Card services. 
Since XX/XX/XXXX2016 we have been attempting to obtain the above clarification. Again and again, we have been informed to fax our request to the Legal Department handling this account. We have done so on multiple occasions. On XXXX I received a voicemail from the legal operations department stating that the demand we received is the only demand they use and that once they obtain payment they will further follow up on my request. As my supporting documents will show I have done everything I can to give this servicer the opportunity to resolve this case. Unfortunately, after over 2 months I need more assistance to resolve this issue. I also requested if they can not provide the information requested to provide me a release of the XXXX judgments in question. Today when I called and spoke to the Collections department 's manager and informed him that I need more assistance and will be forced to seek alternative assistance his reply was " do that ''.
Consumer complaint received 2016-07-15
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, XXXX, I signed a Home Equity with Bank of America. In XXXX, I filed a bankruptcy and I had to give my copies of my documents to the Federal Court in XXXX XXXX. Bank of America sent me a letter that my plan would change according to the documents, but I do not have my copy because I handed it to the Federal Court. Bank of America first sent a fax and it was unreadable. I called Bank of America XXXX XXXX, XXXX asking for a document that I could be able to read and they sent me would, but without my signature. Without my signature I do n't have proof that it was the original document. I also called on XXXX and XXXX to request a readable paper with my signature. so far Bank of America has mailed me documents that are impossible to read. their phone number that I made contact with is XXXX. I would like to know what are my rights. Borrower : XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a hospitalization emergency surgery. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate hospitalization. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by 50 %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Amsher Collection Services, Inc. (CA)

XXXX sent a charge to a debt collections agency instead of contacting me directly. 

I attempted to pay my last XXXX bill after I rolled my phone number back to my parents ' family plan in XX/XX/XXXX. However, there was no charge listed on my account, which I checked online in late XX/XX/XXXX. However, T-Mobile still listed me as missing my last month 's worth of service and charged me, unbeknownst to me. They sent my account to a collections agency a few months later. 

XXXX never notified me of the charge. They said they sent it to my old address, which was my work address. My work forwarded all mail to me. XXXX said they called me. XXXX on the XXXX executive team said that XXXX had called me and left voicemails. I checked the date range where she said XXXX had called, and there were no voicemails from any XXXX numbers ( which XXXX said XXXX would have used to call me ). So there was no notice on my online account, no notice through phone calls, and no notice through written mail.