davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a good solid contract and the buyer has already been pre-approved for the loan. The bank will not consider the short sale. Also, when I phoned the bank regarding foreclosure alternatives, it was relayed to me that my only recourse was to do a short sale. No one ever informed me about being able to apply for a loan modification. 
I had to go to an outside source to learn about this particular foreclosure alternative. I am trying my hardest to get this done. At this point I am desperate for assistance and I am reaching out to you as a consumer for help. I feel as if the lender and/or their representative did not do what the government says, which is provide alternatives to me as a homeowner.
Consumer complaint received 2015-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WI)

I have been paying a XXXX mortgage on our other house that my stepson and his family are living in. In 3 1/2 years they have maybe payed me a total amount of {$1500.00} and the mortgage is almost {$800.00} pr month. I have called Green Tree ( mortgage ) co and asked for modification to lower the payment. After getting all of the paperwork together we were denied. I at that time tryed to get in touch with my Account Manager at Green Tree and found that I have my third different account manager who in turn told me not to make a mortgage payment 4 four months and that will force Green Tree to help with lowering the payment. That did n't sound right and I heard of CFPB through a title servicing company. So I am writing this letter and asking to get the right and legal help for my situation. On Wednesday, XXXX XXXX 2015 I found out that I now have my fourth account manager in the last 6 months.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

My husband and I have our mortgage thru Wells Fargo Bank and I use on line banking for everything. Unfortunately, like millions of Americans, we struggled with the poor economy, high medical bills and job loss and filed chapter XXXX Bankruptcy. During this process, we reached out to Wells regarding the mortgage payment and were given the opportunity to do a loan modification to reduce our monthly payment. We were very grateful for the help and completed the process. The mortgage is not behind or in any jeopardy, with the manageable payments. My complaint is simple. We are being denied the option to pay the monthly payment on line. When I pressed for an answer as to why, I was told it was the bank policy, the account is restricted because of bankruptcy, I would not be allowed that privilege. In addition, I am being denied the chance to vocalize my complaint with the upper administration of the organization. I feel this practice is discriminatory in nature. We pay the mortgage directly, as it was never looped into the bankruptcy. In essence, we are being punished by the bank for resorting to filing XXXX XXXX. Is there any recourse we can take?
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX is a billing for {$1600.00} for the month of XXXX 2011, however I did n't live there during that time. I moved out of that residence XXXX 2011!! This bill does n't belong to me but to the owner of the condo.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Praxis Financial Solutions, Incorporated (CO)

FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, Praxis Financial Services, the credit bureaus is not accepting their letter. PFS consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact praxis is not willing to contact the bureaus or help rectify the issue is a red flag.
Consumer complaint received 2015-08-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had setup a payment plan in XXXX 2015 to repay back Capital One for a credit card I had. I was told that the balance was over {$1000.00}. XXXX XXXX XXXX started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with Capital One was {$500.00} so I made a call to Capital one and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2009
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I recently saw that my credit score had been downgraded on Experian based on XXXX releasing this information to Experian. I spoke to a Experian agent XXXX XXXX XXXX on XXXX XXXX and the course of action recommended was to complain to XXXX and Consumer Protection. 
The history of this in fact is as follows ... 
The dispute on the amount of payment has been going on since XX/XX/XXXX 2015. I have evidence when I have repeatedly reached out to XXXX via social media, contacted XXXX via phone to settle the account. 
I even supplied evidence of the disputed account to XXXX collection agency on XXXX XXXX. Then supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. 
The most recent encounter was again me contacting XXXX XXXX to settle the account, only to be told that this was with the collection agency. The account has since been settle and closed. XXXX XXXX XXXX 2015 with XXXX XXXX of New Jersey XXXX. 
The question is, that this account has been in dispute since XX/XX/XXXX, there was no action from XXXX, till i called them to settle the account in XXXX, after which it was promptly reported to the Credit agency. This is unfair and I am being penalized for trying to do the right thing.
Consumer complaint received 2015-10-22
Product: Virtual currency — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully. Never got any signup bonus.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I, XXXX XXXX, am writing to bring to the CFPB 's attention regarding Bank of America 's violation of the FCRA act. They reported wrong information to my credit report abou an account " 30 day past due '' due to the bank 's error. 

-Statements of Fact-I have XXXX credit cards with Bank of America ( " BofA '' ). I made a payment of {$250.00} to my XXXX Signature Visa card on XXXX 2015, and BofA applied the payment to the wrong account, which had a XXXX balance, and it resulted in a credit balance of {$250.00}. The bank then reported my account as " 30 day past due '' to all XXXX major credit reporting agencies. I spoke to an employee at their local branch, and the employee told me it 's a glitch. I only want them to update my account to accurately reflect that my account was never late. For the record, both of my credit cards have a XXXX balance as of XXXX/XXXX/2015. 

Customer respectfully asks the CFPB to take any actions it deems necessary to bring Bank of America ( " BofA '' ) into compliance with all applicable federal banking laws and regulations, including, but not limited to the Fair Credit Reporting Act ( FCRA ). If Bank of America does not take action to correct the inaccurate information, customer also plans to initiate legal action in Court, pursuant to the FCRA.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

The home equity account has been paid on time for years. There have been no missed payments, and the account is in good standing, as listed on their own statements. XXXX XXXX Home Equity has repeatedly reported that this account is delinquent. These reports are false and have been reported several times. XXXX continues to submit misleading reports to the credit bureau.
Consumer complaint received 2015-10-21
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (CA)

Rush CardI have been a member of Rush Card since 2007, Prior to Rush Card upgrading there system on XXXX XXXX, there have always been different issues that have come up, and honestly I should have discontinued this service a long time ago. Now since there upgrade this weekend, my card is no longer active, I am being declined when I try using it. I can not take funds from the bank. I can not see my account online b/c the online account does n't come up, and when u call there number it will either keep ringing, disconnect or number invalid. 

I called to check my balance on Sunday, no answer. I kept calling got lucky a little, b/c the rush card automatic system came on, it took a minute but I was able to put my info in through the phone line and it said my balance was XXXX. I need to know where is my money, b/c I had/have money in that account. 

My direct deposit is also scheduled to hit today and when I tried canceling it with my company it was too late, so now all of my pay check is in this account, in which I do n't even know if this *** company is still in business. XXXX XXXX some of us need our money, unlike yourself. I also agree with the last persons review. Your call center reps all need to speak clear English. 

I called the company number and literally fell asleep. Woke up 2 hours later, and I was still on hold with the hold music. As of today XXXX XXXX. I have finally received my direct deposit, but not all my money that was originally in the account. It 's to much trying to get thru, it was n't a whole lot, so once my direct deposit kicked in I have now cancelled the card and service. This is the worst experience and I will never look back at this company. I do want compensation for the inconvenience and would love to be a part of a class action law suit, if one exists or start my own.
Consumer complaint received 2015-05-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P. (NY)

DEAR CFPB, this complaint is in response to a correspondance from the OCC 's XXXX dept. case # XXXX concerning what I assume is some credit card debt that does not belong to I, XXXX XXXX XXXX and a judgment is in the public record that is erronously appearing on XXXX XXXX credit file unjustly. Please refer to case # XXXX. The agency Resurgent Capital Services is the entity who responded to my complaint against XXXX XXXX or XXXX
Consumer complaint received 2015-10-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had a $ XXXX Home Equity loan taken out with USAA.com five years ago. The interest rate I received at the time for the loan was 4.49 %. 
This month, the HE loan was converted to a fixed-rate loan, as had been expected after the first five years. What was not explained to me was that they bumped up my interest rate by 250 %, to 10.35 %!! When I asked about this possibility several months ago, I was told it would " depend on market conditions. '' Clearly, interest rates have not doubled since I took out my HE loan, and nothing else about my credit history ( which is excellent ) has changed! 
I 've been the victim of 'bait and switch '.
Consumer complaint received 2015-09-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (AL)

I have filed a complaint against this company XXXX already for not receiving proper notice and now this medical debt is on my collection report. I faxed a direct dispute on XXXX XXXX, 2015 that was never responded to. I spoke to a XXXX on XXXX XXXX, 2015 who stated the letter was never sent to the dispute department, it was just " sitting ''. So after many calls and filing complaints this company has attached a letter stating it was mailed on XXXX XXXX, 2015 in response to the direct dispute. 

PLEASE PULL PHONE RECORDINGS FROM XXXX XXXX, XXXX XXXX AND XXXX XXXX when I was informed the dispute was never sent to the dispute department. 

Please read the attachment as it stated alleged dates of when notices were sent. More importantly, please read where it states " enclosed is a copy of the XXXX claims summary ''. The letter was DATED FOR XXXX XXXX, 2015 however, the XXXX summary is dated for XXXX XXXX, 2015 with the employers ID. 

Therefore, if the letter is dated for XXXX XXXX, 2015 AND in the letter it states ENCLOSED IS A COPY OF XXXX CLAIMS SUMMARY .... that claims summary should be dated for XXXX XXXX, 2015 as well. 

As stated in the lawsuit filed by CFPB, this company failed once again to respond to a direct dispute in a timely manner. The phone recordings prove the dispute was never sent to the correct department. Not only did they fail to respond but falsified the information in response to my dispute. This should be a serious violation and I will purse a lawsuit based off the FDCPA if this is not resolved.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Information Bureau, Inc. (CT)

On XXXX XXXX, 2015, I paid the original creditor, Tax Collector XXXX of XXXX {$860.00}. 

Yet, on XXXX XXXX, 2015, collection agency Credit Information Bureau verified the account with the all credit reporting agencies, and updated the trade-line XXXX to PAID then updated it to CLOSED. 

I am confused, as Credit Information Bureau has not provided me any credit, loan or service. I have documentation from the XXXX of XXXX of my paid in full payment, yet the credit reporting agencies are still allowing Credit Information Bureau to verify and update which is adversely affecting my credit rating. 

I have sent letters ( certified mail ) to Credit Information Bureau ( dated XXXX XXXX, 2015, XXXX XXXX, 2015 ) asking them to validate this account. I received no response to either letters. 

I have also sent letters and done on-line disputes to XXXX, asking the agency verify the account, yet it continues to report the inaccurate information.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

For over seven years I have had been requesting why the mortgage servicing company would show a past due on my monthly statement. Each time I would get a form letter stating that I would get a response within XXXX days - NEVER got any additional response. It was easier to change the servicing companies - XXXX, XXXX, XXXX XXXX XXXX, XXXX and Ocwen in XXXX years. During that period the servicing companies made payments for insurance and taxes before the due date ( my on time payments were returned as the bill had already been paid ) - I DID NOT ESCROW, I paid myself. I believe that there actions were in an attempt to build a reason to foreclose. In XX/XX/XXXX XXXX XXXX ( law firm in XXXX ) got involved. I provided copies of my requests for a detailed statement with explanation of what I owed. FINNALLY - a letter from XXXX of XXXX/XXXX/XXXX provided a statement.. I provided copies of the cleared checks and copies of the checks returned by the servicing company accounting for all the months on the statement up to the time ( XXXX/XXXX/XXXX when I stopped making payments as they were just returned. I also included proof of payments for insurance and taxes ( with letter from Tax commissioner when my payment was received after the mortgage company had paid, although I PAID ON TIME ). I Itemized what was due ( taxes and monthly interest payments since they began to return my checks ) and offered to pay in full {$34000.00} the total amount due through XX/XX/XXXX. I have NOT received a response. There efforts are to get the court to put my loan in default and foreclose. During the last months I have receive a stack of documents the lawyer has sent to the court. I have responded to the court each time providing the background as I am now doing. 
I believe the actions not taken to resolve and taken in a effort to foreclose is a crime against a senior.
Consumer complaint received 2015-06-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

This morning I received a collection call from Toyota Financial Services, from whom I lease a vehicle. They claimed I owe over {$970.00}. After over an hour on the phone, it turns out that an online banking payment was not received for XXXX. The total amount due was {$500.00}. But the collection agent acted as if I owed that amount, plus the amount due for XXXX, for which I have not yet received a statement, and which is not due until XXXX XXXX. I have never been dunned for amount for which I have not been billed. This is beyond bad customer service ; I believe that it constitutes harassment, violates the terms of the lease, and may violate federal regulations, to seek to collect amounts prior to their due date.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (IN)

My loan has been with Ocwen for the past two years. My original loan amount was {$39000.00}. It has been 30 years and I owe {$54000.00}. My interest rate is 11.7 %. My loan has been bought out from four different companies. I am sure that it should have been paid by now. I think this was a predatory loan.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX credit bureaus are reporting inaccurate home repair debt information from XXXX XXXX XXXX and Fair Collections & Outsourcing who are not able to show evidence or proof of this reported debt. Their letters to me claim to have " verified '' the debt but this is not true under the law. I sent certified letters to all XXXX reporting agencies that showed the creditor has no record of ever communicating a debt to me. 
In response to my request for validation of a debt, XXXX XXXX XXXX and Fair Collections & Outsourcing mailed me an illicit and unsigned move-out sheet with fraudulent home repair charges they are using as their supposed evidence that I owe any debt. 

The company failed to provide the following information : Certified communication notifying me of the debt Signed agreement between myself and XXXX XXXX XXXX or Fair Collections & Outsourcing validating this debt Payments I made toward any original debt and my agreement to pay someone this sum of money Communication to me indicating damages made by myself to the home Statements of accounts or receipts that show contractor payments toward home repair as a result of my negligenceI submitted documentation to the reporting agencies and the creditor that shows XXXX XXXX XXXX is responsible for the repairs listed on the move-out sheet that they are in fact dishonestly charging me. This documentation included:1. An inspection ticket by a XXXX XXXX, TX city inspector showing inadequate home repairs. 
2. A certified letter from me to XXXX XXXX XXXX ( dated XXXX XXXX, 2014 ) listing all existing repairs the home needed upon my taking residence. The items listed are various items that XXXX XXXX XXXX shows on the invalid move-out sheet used to charge me this debt. 
3. A certified receipt ( dated XXXX XXXX, 2014 ) showing XXXX XXXX XXXX ' receipt of my certified letter. 

This creditor has several complaints filed against them with the XXXX with other tenants who are victims to their dishonest actions. XXXX XXXX XXXX did not adequately maintain the home in question and has now made unmerited accusations and reported false information to the credit bureau. The repairs listed on the move-out sheet mailed to me are the same repairs I notified XXXX XXXX XXXX via certified letter that needed repairing. I have a copy of this letter ( that shows the detailed list of repairs ) and a copy of the returned certified receipt that shows they signed and acknowledged my request for them to make repairs on the home. I also have copies of the move-out sheet the debtor sent to the credit bureau as proof of a debt, This move-out sheet is not signed or validated and lists the items that I informed XXXX XXXX of via certified letter notifying them that they were responsible for them. 
After I vacated the home, the repairs had not been completed by XXXX XXXX XXXX and now the company is charging me for repairs that existed before I took residence of the home.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent Trans Union a final dispute and verification request after they verified a item on my report. I quoted some a few FCRA laws that support my dispute to no avail. I need assistance on getting the proper results which will in turn not harm my personal image any longer.