davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Westlake Services, LLC (CA)

2010 Ford Focus I purchased my vehicle XX/XX/XXXX from a used car lot XXXX in XXXX XXXX California. While getting a quote for auto insurance I was informed of an XXXX dollar accident my car had been in. That day I reached out to my Finance Company I had received my car loan from and they told me my car had a Salvaged Title. After some research in to California auto sales laws and a laundry list my car was of issues from a third party mechanic inspection, I called my financing company and told them that I was never informed of a Salvage Title or received any kind of car facts before signing my contract they promised they would get back to me saying that they would do everything they could to help. I called and called trying to follow finally getting to speak to a supervisor who promised she would work on my case and never heard from her again. 

In XXXX XXXX I took my vehicle in to XXXX XXXX car lot in XXXX California in attempt to trade in my vehicle for something a little more dependable. XXXX XXXX then denied my request as he told me my car was only worth {$2500.00} dollars which Im sure was a rough estimate, mind you Im paying {$15000.00} to fulfill my contract. He then asked if I had the paper work for my car with me which thankfully I did. He took a look and within seconds told me my contract should have had " SALVAGE TITLE '' printed all over the background, that my gap waiver had issues and that I had total recourse. 

I have reached out to the DMV Department of Investigations with no response. 
I have taken my vehicle back to the seller many times only to receive it with the same exact issues waiting more than a week each time. 
i 've informed both the seller and Financing company of my griefs with absolutely no resolution. 
I 've never been late on a payment, I would just like the chance to work with an honest Financing company and drive a car that does n't need constant repairs or shut off at every red light. 

I a XXXX year old buying his first vehicle with his own name and money being taken advantage of and lied to. 

I pay {$280.00} a month have had to be credited money for being charged extra interest by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2016-08-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I would like to make a complaint for a security investment that I had with HSBC bank. I had this investment for a while and when I went to check on it in XXXX XXXX they advised that I did not have this particular investment. HSBC invested my monies with XXXX which was later transferred to XXXX XXXX, XXXX ( address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) which then was deposited in my HSBC account after maturity. I went to HSBC several times and they advised that they were unable to locate over {$100000.00} worth of my investment. The last time I followed up with this was in XXXX and the financial advisor showed me my investment on their system however when I went to check on it on XXXX XXXX to withdraw the monies the financial advisor told me that I did not have an investment. I have been investing with HSBC for 32 years and have multiple accounts with them however this was my biggest investment that I had for retirement. My financial advisor XXXX XXXX has not been able to locate the investments I had done in my early banking years with HSBC. The branches that I did these investments with are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. I think fraud has been done to my account because these investments I had have vanished and I am getting no help from the financial advisors nor an explanation from other bank representatives.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

I was often denied a modification or any relief from my Green Tree mortgage ( which started with a XXXX Mortgage that was eventually assumed by Green Tree ) when I had asked due to my job loss. To keep my credit in tact in struggling to remain current with Green Tree, with their offering no relief and conflicting information on instructing me to fall behind in payments for relief ( which I could n't in good conscience do ), I had no choice but to withdraw {$55000.00} plus from my XXXX ( also having to pay early withdrawal and penalties ) to sell my home for a reduced price and to use the XXXX withdrawal to pay Green Tree the difference between the sale and balance owed ( house was underwater ). There appears to have been several class action suits, but I am never on a list as a member of such. After the home was sold, I moved out of state to a state with more reasonable real estate prices with a continued declining situation. It was and still is a struggle with the above-mentioned resources exhausted.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I HAVE DISPUTED WITH THESE CREDITORS DIRECTLY AND NONE OF THEM RESPONDED TO MY DISPUTES WITHIN THE FEDERAL 30-DAY TIME FRAME THEREFORE XXXX AND EQUIFAX NEED TO DELETE ALL THE ITEMS LISTED. I HAVE SUBMITTED PROOF OF THE CERTIFIED MAILINGS ALONG WITH THE LETTERS. IASKED FOR PROOF OF AN ORIGINAL CONTRACT WITH MY SIGNATURE AND NONE COULD BE PROVIDED. THEREFORE, MY RIGHTS ARE THAT THE ITEMS BE REMOVED IMMEDIATELY.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

We contracted with XXXX to build our house for {$440000.00} and had USAA provide our financing. In early XXXX 2016, USAA requested an appraisal of the home and we learned USAA provided incomplete and inaccurate data to the appraiser when conducting my appraisal. The purchase price submitted to the appraiser was {$410000.00} which was inaccurate and the inaccurate price was used to calculate our price per square footage and comparables. We challenged USAA and requested a reconsideration of value only to be denied with no explanation as to why. On the day of our closing XXXX, the appraiser was contacted and asked to visit the property that day XXXX XXXX XXXX to complete the reevaluation, which we learned through conversation with the appraiser, she never received our options list or received any contact from USAA regarding our request for reconsideration of value. 

As a result, our house did not appraise for the purchase price and our loan to value was significantly impacted where we were required to pay a higher amount into escrow for private mortgage insurance ( PMI ). In addition, our monthly PMI payment is higher due to the lack of value from the appraisal. 

I 'd respectfully request the CFPB 's help to have USAA provide rationale for the usage of an incorrect appraisal, the lack of communication to the appraiser when a reconsideration of value was requested due to inaccurate data, as well as retribution for the excess paid into escrow at closing and monthly PMI.
Consumer complaint received 2016-09-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: ACS Education Services (OR)

XXXX, serviced by ACS, is demanding payment of a debt they can not prove we owe them. Our attorney asked that we demand the servicing agreement from ACS/XXXX XXXX proving ACS/XXXX XXXX proving there is a debt. XXXX XXXX refuses to provide that servicing agreement to us or to our attorney. My wife receive a phone call on a SUNDAY from someone in upper management at XXXX XXXX telling her XXXX XXXX wants their money ( over {$50000.00} ) and that they are NOT going to provide us any proof of that debt. ACS/XXXX XXXX is registering on my credit as a delinquent debt with rolling late payments and it is the ONLY thing between us and being able to buy a home again, after years of trying to recover financially from XX/XX/XXXX-XX/XX/XXXX. We have never made any payments to XXXX XXXX. Not ever. They can not prove this debt exists. We need this debt removed from my credit immediately if we are to purchase a home again.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (FL)

CREDIT COLL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlantic Credit & Finance, Inc. (MD)

XXXX at Atlantic credit and finance threatened to send our account lawyer if we did n't make a payment today or set up an payment agreement and then wanted our debit card and account information. She would not allow us to send payment via money order or checks and keep threatening us with lawyers
Consumer complaint received 2016-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

Case number : XXXX I 'm having problems with login and no password has been emailed to me. 
As of two days ago I have received letters from XXXX and American education services, they have denied me again! ( From AES : We reviewed your application for loan discharge due to an unpaid refund and determined that you are ineligible or that additional information/documentation is needed ). They denied me due to missing information, and texas workforce stated they ca n't provide any records and I have called all over XXXX, texas no one is n't helping me to locate the attendance records, and refund from the school? So where is the help this is unjust, I have call state agencies, U.S. Dept. of education, and state district NO HELP! I 've even tried to speak with the Loan servicer of AES all they can state is you signed a promissory note, yes but where are the documents? where is the refund? I really need help assistance, because the school had closed and I have n't received the funds back from the school? I have paperwork that was giving to me, obviously someone is either hiding the true facts of my records/refund from the school? I do not have a certificate, and If i did have a certificate I would be working as a transcriptionist.I have n't graduate from the school, if there is no records of me attending the school why i 'm I paying on a loan that I never exist at this school? 
Even more they had me assuming that I have to payback this loan, and the only thing at the time was to consolidate, I had a trouble life and that going to school was the best option for me, but when the school did n't have XXXX programs I tried to leave the school then, they stopped me and place me in transcriptionist classes. Not long I withdrew from the school. Signed paperwork. No one do n't have any records of me attending school? Well other then Federal Student Aid has the school showing but no attendance dates is present. 
I did go to this college, but I withdrew and the refund was never credit back to XXXX XXXX/ or to me. 
College : XXXX XXXX XXXX
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I AM FILING BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THIS ACCOUNT UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2016-06-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2015 Chase raised my interest rate on a RATED LOCK that I had had for a long time. I was not notified about this by mail or phone. I would have NOT noticed it except that my interest seemed higher even though I was making large payment reductions. I was told last week by Chase that I had phoned in a request to UNLOCK my rate. I did not phone in and request that they UNLOCK my rate so Chase could charge me more interest.
Consumer complaint received 2016-06-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Alabama Housing Finance Authority (AL)

I applied for an FHA home loan a month ago in conjunction with an Alabama Housing Finance Authority XXXX ( down payment assistance ) I was told the loan would be approved, but just found out from the mortgage loan officer, today, XXXX XXXX, 2016 that I do not qualify for the Alabama Housing Finance Authority XXXX because I am married and estranged from my husband who is living XXXX and can not be contacted to state his income and give his authorization for me to purchase the house. I am just stunned because I was led to believe that everything was o.k. and closing would be XXXX XXXX, 2016. For this reason only, I can not purchase a house and must continue to rent. Alabama Housing Finance Authority stated that I needed to be divorced, legally separated, or my husband needed to be deceased in order to take advantage of the program.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I formerly had a loan with Ocwen mortgage. They have reported on my credit report that I was 30 days late in making a payment. I have called them multiple times to have it removed ... they do not ... I have been promised calls back ... I have not received any. 
The issue occurred in XX/XX/2015. They had just completed an escrow analysis ... it was incorrect. I had just switched insurance ... they were assessing my escrow account as if I were paying both insurance companies ... I called them to correct it ... and to let them know they actually owed me money. I received the usual run-around from them ... and their call center in XXXX. During the dispute, I called and told them that I was not going to be paying the additional amount because of the faulty escrow analysis ( about {$90.00} per month ) ... because this problem should n't have persisted so long ... and, that they owed me nearly {$2000.00}. Finally, in XX/XX/XXXX everything was resolved ... they sent me a check of nearly {$2000.00} and reduced my payment ... it took several months to rectify. It is almost unbelievable that they are now stating that I was late greater than 30 days ... for {$90.00} ... when they actually owed me {$2000.00} at the time ... and, the fact that they wo n't remove it ... and, I am unable to speak with anyone in this country with authority ... ridiculous ...
Consumer complaint received 2017-01-06
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Credit Central Holdings, LLC (SC)

A best-friend 's ex-boyfriend who stole her identity and credit, etc got a hold of my information and applied for a live check, but it was sent to me. I know they spoke to someone directly stating they were me, when they were not because XXXX of the correspondences from the credit company stated that " we spoke about certain personal property and items that i would give to them as a result of non-payment. Last night apparently a lady who was employed with the company came to my residence again, except my roommate happen to be there, and said this crazy lady was banging on the door for XXXX minutes, screaming my name saying " I know you 're in there, and you 're in trouble. '' Then she apparently went right to my window and began banging on it. At that point my roommate was a little scared. So the lady proceeded to then get in her car and hold her horn down followed by repetitive honking for another XXXX minutes. My roommate was sick and did n't know who this lady was, but she finally got to the point of infuriated, and got up opened the door, and described the lady ( who thought my roommate was me ) approached her and came up on her like she was about to do something. She said the lady was rude and threatening to call the cops and locksmith to see if I was inside home. XXXX or Credit Central needs to know the Fair Debt Collections Act before pulling another stunt like this. Also, calling my place of employment occurred as well.
Consumer complaint received 2016-05-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First National Collection Bureau, Inc. (CA)

I received a voicemail on my cellular phone on XXXX XXXX XXXX at XXXX XXXX about a complaint that I was named in from XXXX XXXX of XXXX XXXX XXXX XXXX saying they mailed me documents and If i did not respond that day no further assistance is needed and they would take up the matter with my payroll department at my job. I called spoke with a man by the name of XXXX XXXX of the legal department. I asked what the debt was he said he does n't not have all that information, either I paid or go to court to explore and find out if the debt is valid. I went through my files and found that the debt in question was originally owned by First National Collection Bureau Inc . They sent me a letter inregards to the debt, I inreturned sent a debt validation request letter via certified mail on XXXX XXXX XXXX. I received no information about this card until XXXX XXXX when i received the call from XXXX.
Consumer complaint received 2016-06-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NJ)

In XXXX, I encountered financial hardship and attempted to modify my mortgage through XXXX XXXX XXXX. There was a trial, then permanent modification which I also fell behind on. I started an attempt at another modification in late XXXX XXXX. At the end of XXXX XXXX, I received notification that they received my documentation and I should have an answer within 30 days. Before that time was up, I received a letter from XXXX stating that they had sold my mortgage to Caliber home loans. This letter also stated that if I was in the process of attempting a modification, they would forward all documentation to Caliber for them to complete the process. Around the same time, I received a similar letter from Caliber stating that they had taken over my mortgage, but no mention of the pending modification. XXXX or XXXX of XXXX was the last time that I received a mortgage statement and I never received any notification of the outcome of the modification. Caliber simply continued the foreclosure efforts that XXXX had started. I have never received a periodic statement from them, loss mitigation options, or a single point of contact. The only " loss mitigation option '' I was ever sent was a generic sales-like flier saying that I could potentially be eligible for a deed-in-lieu of foreclosure. In XXXX XXXX, I attempted another modification through an attorney. Through this I obtained single point of contact information and was able to sign onto my portal through Caliber. On the portal, there are also no periodic statements listed under my statements. I received notification today telling me that my modification has been denied, and that I am " not eligible for alternatives to foreclosure. 

Caliber has not acted in good faith on any level in the servicing of my loan. From the time they took it over, they have only moved forward with foreclosure. They have made no attempts to assist me in retaining or curing my default. They have not even bothered with monthly statements because they have no intention on properly servicing the loan. I even received a communication from them recently with my account number very clearly labeled and exposed through the clear address window on the envelope.
Consumer complaint received 2016-09-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

On XXXX XXXX 2016, I received a letter in the mail from law firm Kimball , Tirey & St. John LLP stating they were collecting a debt on behalf of another company. On XXXX XXXX 2016 I mailed a letter to the law firm requesting debt validation. However, on XXXX XXXX, 2016 the law firm already reported the alleged debt to all of the major credit reporting agencies before I had the chance to respond to their letter and request debt validation. According to federal law, 15 U.S. code 1692 ( g ) ( b ) it specifically states that a collection agency can not report a debt to the CRA 's until the debt has been validated. It also states that a debtor has 30 days from notification to request validation of the debt and the collection agency has to send proof that the debt is indeed valid. The law firm purposely disregarded my request for validation and purposely broke this statute that protects consumers and this is a direct violation under the FCRA which is punishable to a tangible extent under this law.