davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

The mortgage company changed the loan terms to a more expensive loan well after it was aware of the change in circumstance that they allege necessitated the change. It seems they implemented a fraudulent bait-and-switch. 
After shopping around for loans, we went with this particular company because of they offered loan with a lower interest rate and a substantial lender credit. Apparently this loan was based on the property we were purchasing being a town home - as opposed to a condo. When we initially spoke with the loan officer, we noted that we did not know if the property was a town home or condo, and that we did n't even know the legal difference. The loan officer went with a town home when generating the loan estimate, without letting us know that the loan would be significantly worse if the property is a condo. It is noteworthy that the loan officer was viewing the property listing and the listing indicated the home is a condo. Thus, the loan office should have known the correct type of property at this time. 
Regardless, well into escrow, almost approaching the originally promised close date, the loan company informed us and sent us a revised loan estimate specifying a loan that eliminated the lender credit, now required us to pay points, and required a much larger down payment. ( Interestingly, the revised closing estimate did not compare the revised loan with the original loan. ) The loan company said that this change was due to finding out from the appraisal report that the property is actually a condo. However, the appraisal report was sent to and reviewed by the loan company 10 days before they sent us the revised loan estimate. This clearly violates the Consumer Protection Rules that any revised loan estimate having such a large change be provided to the buyer within three days of the " changed circumstance '' that triggered the change. 
We attempted many times to resolve this issue with the loan company, but they would never work with us and instead tried blaming us for the error, claiming we told them the property was a town home, which we did not. 
This process seemed to us to be a fraudulent bait-and-switch, where the loan company promised us favorable terms to effectively bait us in, and then switch to a less favorable loan when we were well through the process, knowing that we would have a very difficult time switching to a different loan at that time.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I have been working on a short sale with Select Portfoio Servicing since XXXX/XXXX/XXXX this loan was issued a HAFA program approval letter on XXXX XXXX, XXXX valid through XXXX XXXX, XXXX with a sales price based on a value of {$160000.00}. An offer was submitted to SPS at {$160000.00} along with the required documents as outlined in section XXXX of their letter. SPS has delayed the review of the file and continued to request documents over and over again even after approving this file. I filed a complaint with Making Home Affordiable and in retaliation SPS canceled file as they said the buyers offer was to low, this property had a value of {$160000.00} and a HAFA approval letter issued in XXXX. SPS updated their values on XXXX/XXXX/XXXX and increased the value to {$170000.00} after they had already issues an approval letter based off of the {$160000.00} value not an updated value of {$170000.00}. SPS has failed to follow the HAFA guidelines and has caused harm to the borrower and the buyer. 

Please see the below timeline as it relates to the buyers offer. 
XXXX/XXXX/XXXX - VALUE {$160000.00} ( This was the BPO value provided by SPS ) XXXX/XXXX/XXXX - SPS Issues HAFA Approval letter good through XXXX/XXXX/XXXX XXXX/XXXX/XXXX - {$160000.00} Offer Submitted XXXX/XXXX/XXXX - SPS requested all seller financials ( After HAFA approval letter had already been issued ) XXXX/XXXX/XXXX - {$160000.00} buyer increased offer to {$160000.00} submitted to SPS XXXX/XXXX/XXXX - Requested addtional seller & Buyer documents XXXX/XXXX/XXXX - Requested addtional seller documents XXXX/XXXX/XXXX - Requested more information on buyers down payment XXXX/XXXX/XXXX - Esicated issue with SPS XXXX/XXXX/XXXX - New value of {$170000.00} ( HAFA APPROVAL LETTER AND BUYER OFFER ALREADY SUBMITTED ) XXXX/XXXX/XXXX - Submitted Utilitie Bills XXXX/XXXX/XXXX - Still reviewing documents XXXX/XXXX/XXXX - Escilated with Ombudsman department XXXX/XXXX/XXXX - Reviewing MHA dispute XXXX/XXXX/XXXX - File cancled for offer being to low.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

The phone will ring. I will then answer it although it display as Portfolio Recoveey or Scam ... I then say Hello several times no response. But the line is still active no response on the receiving end. I then request to not call this phone number any longer, only for the party to then hang up the other line. They then will call again from a XXXX area code then hang up once I answer. This is a continuous basis and very much harassing to me.
Consumer complaint received 2024-01-01
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. (VA)

I was a victim of the XXXX data breach. I want this account deleted from my credit report ( Account Number : XXXX ) I have supporting documents showing proof of data breach affecting my credit report and not reporting on any other credit bureaus.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (PA)

American Express is not abiding by the disclosure requirement in the Credit Card Accountability Responsibility Disclosure Act of 2009 involving Applying Payments. 

Per XXXX giving a narrative on this stipulation : Highest interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates first. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances first -- thus extending the time it takes to pay off higher-interest rate balances. 

I have called American Express asking them about this, and a representative informed me that they do not always follow the above stipulation. The call was recorded on their end as they have previously stated, so the individual making this comment is on tape. American Express did not apply the excess amount of the {$750.00} payment I recently made to the Cash Advance Balance but instead appeared to apply it completely towards the Purchases balance even though Purchases have an introductory Interest Rate of 0 % for 12 months. The minimum payment due was {$170.00}. {$580.00} should have gone towards the Cash Advance Balance, which either less or none of that amount went to the Cash Advance Balance. 
No agent I spoke with at their organization was able to answer as to why this happened.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY ()

American Express continues to send me emails informing me of my application for a new card or a replacement card. I have not applied for a new card. However, when calling the company to let them know, they insist upon me telling them my personal information ( SS # and address ) which I feel uncomfortable doing since I do n't know whom the email actually came from ( and whether it 's a phishing scam ).
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union has closed my file before I am me and XXXX here we go again. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number 3 The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the HHSS. GOV because of hippia violations and they are now involved in that 4 they are also reporting XXXX and they agreed to be removed through this web site
Consumer complaint received 2016-11-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (NY)

I am getting repeated calls from american express ( XXXX ) asking for a XXXX XXXX whose card ends in XXXX, and the call continues to say he owes XXXX dollars. 

Last week I held on and finally spoken with the operator. I told the operator I am not the person they were looking for. I was told the calls would stop. They did not. 

The calls are coming to my cell phone XXXX, or they may be transfered from my home phone XXXX. 

This call comes every few hours .... 

Getting very tired of this. I want this to end.
Consumer complaint received 2016-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (MO)

Great Lake, the loan servicer, for Acct ID XXXX, has been charging and expecting interest payments for a Parent Plus Loan they I have that is for a daughter the is in her XXXX year of college. 
It was my understanding that with this loan, I would not be REQUIRED to make payments until my daughter was SIX MONTHS out of college. 
My credit report has been attached with Late Payment mis-information because of this. 
My husband had the same issue/problem with Fed Loan Servicing, but they finally backed off and issued a deferment. 
This issue needs to be clarified and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX ID # XXXX
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

We purchased a new home in XXXX XXXX. At closing {$3600.00} was put into the escrow account of the mortgage and our monthly payments would be {$2100.00}. In XXXX XXXX we received a letter from the XXXX showing a XXXX proposed tax assessment of {$3200.00}. In XXXX XXXX we received an escrow refund check for {$3100.00} based on their annual escrow account analysis. In XXXX XXXX we received another escrow refund check for {$780.00} and letter stating that this was due to new information they had received from XXXX XXXX and that our new monthly payments would now be {$1900.00}. Then in XXXX XXXX the mortgage company paid XXXX XXXX tax bill in the amount of {$3200.00} ( the same amount shown in the letter we received in XXXX ) leaving our escrow account with a $ XXXX balance. Then XXXX XXXX, XXXX the mortgage company sends a letter stating that there is a shortage of {$2800.00} in our escrow account and that this is a projected amount and it XXXX increase next year. They gave us the option to pay the shortage amount now or to wait until XXXX XXXX to see what our new monthly payment will be after their annual escrow analysis. Unless we pay the escrow shortage our monthly payment will go back up $ XXXX {$300.00} in a few months. The escrow refund checks have been used to pay off debts and are no longer available. Also since our mortgage payment was lowered we took on some new bills for services we could not afford previously. These services are under multi year contracts ( example : XXXX internet XXXX ) and can not be easily cancelled. 
When speaking to the mortgage company about this, they stated that when they got the updated XXXX tax information in XXXX they did not trust or believe that it was correct, yet they went along with it anyways and lowered our payments and drained our escrow account to refund us. I do n't understand why they would n't follow up with XXXX XXXX if they did n't trust the information they got and how could they not get the same information I received at the beginning of the year. 
I feel this is very unfair since there was obviously a mistake made by others and we will be the ones that end up paying for it.
Consumer complaint received 2016-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Collection Service Inc. (AZ)

I received a letter from a XXXX XXXX claiming to represent Metro Collection Service, Inc. It is claiming that I owe a debt to an apartment complex I have n't lived in for four ( 4 ) years. I received this same letter 6 months after I moved out that apartment complex and disputed it then. I never heard anything after the dispute. I have never once heard from the management company claiming I owe a debt. I have also called the apartment complex, now under new management, and they seemed confused as to why I would be receiving this so many years later.
Consumer complaint received 2016-11-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding has breached the consent order with the CFPB filed on XXXX XXXX, 2015. Midland has violated the order by not providing the required documentation from the CFPB, as the affidavit of sale from the original creditor does not mention, directly or indirectly, any account sold. It specifically does not mention the account that I am being sued upon. As stated in the consent order, section XXXX, Encore, or its subsidiaries ( including Midland ) are permanently restrained and prohibited from initiating a legal collection lawsuit unless it is in possession of a certified bill of sale evidencing the transfer of ownership and, " EACH OF THE DOCUMENTS EVIDENCING THE TRANSFER OF OWNERSHIP OF THE DEBT MUST INCLUDE A SPECIFIC REFERENCE TO THE PARTICULAR DEBT BEING COLLECTED UPON '' ( CFPB consent order sec. XXXX ) The documentation they have provided does not reference the alleged account and the date on the bill of sale and the date that Midland states that they took ownership does not match. I have stated that this account is not mine, I have never heard of Midland Funding until I was served with the legal complaint. Midland can not provide not one signature on a purchase, application, or certified mail, they can not provide me with the credit card terms from the alleged original creditor. They can not produce one single time and date that they have ever spoken to me on the phone. I do n't even have a clue as to what their end game is. I have no money, I do not own any assets, I have XXXX kids, and my bills are more than my salary. Yet they are perfectly willing to ruin my life over a bill that they have n't proven is mine, or that they own. All over {$1500.00}.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been trying to close an HSBC for 8 months. 

I had several auto-pay invoices associated with the account. Unfortunately I did not stop the autopay in time, and was charged exorbitant fines and oversraft fees. I paid them. The bank demanded I pay them in cash. In person. 

Now, 8 months later, I received a call saying that those oversraft were never paid. They are demanding over {$2000.00} from me. And want a receipt for the cash payments I made, claiming I never made them. I do not have the receipts. I thought the matter was settled, and have moved on with my life. I tried to pay with my new bank cards at the time, but was denied as HSBC demanded cash. 

I can not get away from this company. Help!
Consumer complaint received 2016-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (PA)

I brokered a deal with United Recovery systems XXXX, extension XXXX to settle a debt I had with XXXX, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. United Recovery Systems employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form United recovery Systems. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX  ,  XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (TX)

PLAN BY WELLS FARGO TO KEEP CONSUMER IN DEBT I have a credit card with Wells Fargo bank, the interest rate was 10.00 % for the first few years and suddenly about 7 years ago, wells fargo almost double the interest rate, they raised it to 18.60 %. Since these years, I have called bank hundreds of times, wrote complaint letters requesting for reduction of the interest rate and every time my request was denied and they told me that they are not able to reduce the interest rate. After many complaints for many years, they referred me to their executive office, I sent another letter of complaint and requested for the reduction of the interest rate, someone called me from the executive office and again, denied the request. I requested that they should let me know the reason why this request has continually been denied, so that I can work to correct whatever the issue is, but the representative said she will not disclose the reason why my rate could not be reduced. 
In the meantime, Wells fargo has doubled the credit card spending limit by increasing the spending limit on my credit card, within a span of 3 years, the bank increased the credit limit from {$7500.00} to the current credit limit of {$14000.00}, in all of these increases, there was no time that I called to request for any credit limit increase, wells fargo has increased this amount without me asking for it. In my complaint, I told the representative that if my account qualified for credit limit increase, that it should also be qualified for interest rate reduction, but they denied it. 
There may be other card holders who are being subjected to this same plan by the bank to keep card holders in perpetually in financial debt, this is a plan by the bank designed to keep people in debt.
Consumer complaint received 2016-05-21
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Ceannate (WA)

I have been trying in earnest for over a year to set up a repayment plan I can afford for my student loan. I was finally put in touch with FMS to set up what they call a loan rehab agreement. FMS requires extensive documentation to make these arrangements ; I understand this need, and I do not have a problem with that requirement. However, I have now supplied every document they have asked for four times over a two month period. I have supplied the correct documents with the correct data ; they have acknowledged that I am eligible for the program ; I have begin making payments to them over two months ago, but they continue to contact me requesting the same documents over and over. And although I have been and continue to make payments to them, they continue to call and email me asking for the same documentation and telling me I am still not " officially '' rehabbing my loan even thought they are collecting payments every month. Today I sent them yet again every document they have asked for. I wonder if they are losing my documentation which contains highly sensitive personal information, and I wonder if they just continue to stretch this out to increase their fees. 
Why would the Federal Government enlist such an incompetent or unscrupulous company to act on their behalf?