davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D. SCOTT CARRUTHERS (CA)

This firm calls me several times a day at work claiming I owe a debt that I have never even heard about. I requested a validation of debt in writing and requested they cease calling my place of employment. They continue to call and have not provided a validation of the debt.
Consumer complaint received 2015-07-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (TN)

I have a dispute still under investigation with one of the credit bureaus. 

United Recovery Systems is the debt collecting company collecting on behalf of XXXX XXXX on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a United Recovery Rep on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in one lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: JOSEPH R. HARRISON CO. LPA (OH)

The Joseph R. Harrison Company emphasizes that they are attorneys and will take legal action, frightening me, since I would have to make difficult choices such as not paying my rent and/or utility bills, then facing eviction and/or disconnection of electricity and gas to my home. 
I have contacted XXXX XXXX XXXX several times seeking financial assistance, and they have not responded to my applications. 
The first collection claiming that I owe {$1800.00} would have beenpaid by my health insurance at that time, XXXX XXXX. 
The collection letter for {$280.00} I have no idea what that charge is for. 
I am XXXX years old, have a documented XXXX, and I am a XXXX individual ; and currently I have no health insurance coverage at all ; because I can not afford coverage.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Reference : Case number : XXXX still not resolved My name is XXXX XXXX, resident at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, and the reason for my complaint are listed below : I bought my property at XXXX XXXX XXXX in XXXX. 
Until XXXX my mortgage loan # XXXX lender XXXX Bank. 
On XXXX XXXX, XXXX we received a letter " Notice of Assignment, Sale or Transfer of Servicing Rights '' from XXXX Bank, to Specialized Loan Servicing ( SLS ), effective XXXX XXXX, XXXX. 
XXXX See Doc. # XXXX attached On XXXX since I did not receive any writing communication from SLS I sent my payment to XXXX Bank, but it was not accepted, they confirmed that where to send the payment to SLS and we did with certified letter. 
Our last statement from our mortgage loan was XXXX from XXXX Bank. 
XXXX See Doc. # XXXX We wrote so many letters and did so many phone call requesting our " monthly mortgage statement '' that were unsuccessful, with promises that never where delivered. 
We sent every month our payment and every payment were cashed by SLS, even though we are getting every month letter that we are behind. We sent every month payment with a letter with a full description where to apply the payment. 
XXXX See Doc. # XXXX list of monthly payment Not be enough to make monthly payment to keep proving that the payment was done, that we are fighting to get monthly mortgage statements, now I have to prove that we made the payment and maybe get a lawyer and spend what we do not have. 
XXXX See Doc. # XXXX " Notice of Default and Notice of Intent to Foreclose ''. 
I think if we have a Department that is in charge of fraud it is time to act, because we are not The only ones with this problem with SLS, just go online and search how many people are dealing with SLS and they are crooks, that somebody must stop to ripe people off that are working honestly to make their house payment. 
WE DEMAND OUR MONTHLY MORTGAGE STATEMENT THAT IS OUR RIGHT, Nobody will keep Sending monthly payment for 20 ( twenty ) years without knowing where the money is going, and with no monthly statements that you can check where your money is posted. 
Beside all above now they are saying that we have shortage of escrow with no statement We hope that as a Commission that was created to avoid MORTGAGE FRAUD, you will take action and stop SLS, and what to do since this is an ongoing situation with no resolution whatsoever. I am enclosing complaints from other customers.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed.
Consumer complaint received 2016-01-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (AL)

I hate WELLS FARGO with a passion. My husband and I were approved for our Loan, .... All throughout this ordeal I 'm pregnant with our daughter ... 
***during this time I was under a lot of stress, in the beginning I was XXXX, and by the end, I had developed XXXX, which is XXXX XXXX XXXX, during the last trimester of your pregnancy*** ... 
- Anyways, we were set to close on XXXX XXXX, 2015, we moved into our new mobile home on XXXX XXXX, a few days before closing ... .may XXXX came, we did n't close, the underwriter that had our loan was still requesting information.. 
, got a XXXX closing date of XXXX XXXX, then XXXX XXXX ... we did n't close on neither days. By this time im out on maternity leave and on XXXX XXXX, we welcomed our baby girl XXXX into this world. Months pass, I never heard from anyone regarding the loan/loan process .... 
somehow the UW that was working on our loan mysteriously got fired, a new UW picked up our loan ... He started requesting the same information our previous UW had asked for ... Submitted everything ( paperwork legal docs etc ) once again ... 
Over the next few months I NEVER heard a word from our mortgage lender nor loan processor. 
XXXX XXXX, I received an email that stated ... '' You guys should 've gotten an Denial letter in the mail '' ... I asked, a denial letter for what, ... .she said your landlord said you guys were behind on rent and that KILLED THE LOAN ... * our previous landlord said we had gotten behind 3-4 months rents, which is a total crock of XXXX ... We were just ready to leave that dump. * So I emailed her back and asked, why did n't they contact us, we could 've provided the receipts ... So basically we got denied because of a " SIMPLE LIE ''!!! 
He lied, and WELLS FARGO, SCREWED US!!! 
I 'm out luck, out of money, and now after being in our home for the last past 8 months, WE ARE OUT OF A HOME!!! 
I 'm at a total and utter lost for words.. How in the XXXX did all this happen. Now all of a sudden no ones knows nothing.. 
My question is if we were days away from closing, then why did n't they just pick up, were the old UW left off??? And close on the set date of XXXX XXXX, 2015 ... What happened to the old UW, why was she fired??? 
The loan processors voicemail states, that he no longer is affiliated with that department, where is he now???? 
If we were APPROVED then why get DENIED at the last minute??? 
Why did n't they ask for documentation regarding my rent??? 
They screwed us over, so at least you guys, can give us some answers!!!! 
I mean that 's the least they can do, I mean my credit score was pretty decent, now I ca n't even buy attention. 
XXXX XXXX XXXX
Consumer complaint received 2015-06-05
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (HI)

I have been using Western Union for many years to send money to my daughter and her mother XXXX. As of late the service is horrible, insulting and untruthful. I tried to send to yesterday and they said they had to put it on hold for at least 2 hrs due to her side. They give us the tracking number, take the money and then come back by at least 2hrs later saying they ca n't send the money due to her side. So now they have my money on hold for at the most 3-5 business days. Eventually it gets refunded but it just seems like a scam to somehow hold my money for an extent of time and then return it. It has happened several times the last few days and when I call to ask why they wont tell me. XXXX its her acct and not mine. Western Union just seems very fishy as of late.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (NY)

XXXX XXXX, I REC'VD A XXXX FROM PINNACLE CREDIT SERVICES OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, XXXX XXXX XXXX WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT PINNACLE WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or about XXXX XXXX, 2015, I received a call from someone identifying himself as being from the Bank of America fraud investigation department, inquiring about some " suspicious '' charges to my account. He asked if I had used my debit card in California or knew anyone there, or if anyone else had access to my banking credentials. I told him that I did n't know anyone in California and did n't believe anyone had access to my account, but that it was possible my father did XXXX I later confirmed that he did not ). I then clarified to say my father had my account and routing number to facilitate transfers into my account. He said there were some suspicious charges on my account and that he " did n't like my answers '' and because of that, he was immediately closing my account. When I asked why, he replied " I do n't have to give you a reason ''. That was it. 
On XXXX XXXX, I went to the local BoA branch to try to find out what happened. They printed out a list of all of my activity from the previous three months. I noted that there were XXXX transactions in the amount of either {$1.00} or {$1.00}, all occurring on XXXX XXXX. They were all clearly marked as " XXXX '' and showed a billing address in California. I did in fact make those donations to a XXXX broadcaster that I follow during one of their live feeds. Obviously, those were the transactions that their investigator was calling about, but he never mentioned XXXX or the amounts and since I did not know that XXXX was located in California, I did not make the connection. 
I also learned during my visit to the branch on the XXXX that my account was flagged in such a way that I was not allowed to open another account at Bank of America and I have since learned that his report could prevent me from opening accounts at ANY bank. 
I did nothing wrong or even suspicious. I was called out of the blue, awoken by one of BoA 's inadequately trained investigators asking vague questions, who made a snap and incorrect judgment. I was then told that he did not have to give his reasons or any justification at all for his decision.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

VISA credit card through Bank Of America -- -- -- -- -- -- -- -- -- -- -- -- -I refuse to use a DEBIT card. What I have chosen to do is pay an extra amount, over and above the XXXX balance of my VISA card, just in the event that I am hospitalized and therefore unable to pay my bills in a timely fashion. 

On XXXX XXXX, 2015, I deposited an extra {$170.00} into my VISA account, which is {$170.00} over my balance of XXXX ( {$0.00} ). This obviously means that I have a CREDIT in the amount of {$170.00} remaining to charge items. 

On XXXX XXXX, 2015, Bank Of America transferred (??? ) this money to what they have chosen to label " CREDIT BALANCE REFUND DEBIT '', and they labeled this as " FEES ''. 

Upon noticing this on XXXX XXXX, 2015, I called them, and was told by a very courteous and understanding representative, that this is a policy!!!!! SINCE WHEN????? In lieu of a DEBIT card, I place additional funds into my VISA account in order to cover those spontaneous purchases I make. I was told by the representative that Bank Of America is sending me a check!!! WOW!!!!! I thought internet banking was supposed to eliminate " snail mail ''. Why could they not simply transfer the money back to my checking account??? 

I know the banks just love those of us that pay our credit card bill in full ( LOL!!! ). It must be fabulous to know that I have extra funds on my credit card, therefore partially eliminating the chance that my payment will be late!!! Hey, no interest money paid to the bank!!! 

CAPITOLISM ... ... ... .make that money!!!!!!!!!!
Consumer complaint received 2015-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Goldstein, Cruise and Smith LLC (TX)

I received a call on XX/XX/XXXX from from XXXX stating I owed a payday loan to a company in a state I lived in in XX/XX/XXXX. I did not take out a payday loan although they did have my correct address at the time. When I informed the rep I spoke to that the phone call was being recorded ( I am also a debt collector ) she immediately put a supervisor on the phone was right upfront rude and threatening. I asked for supporting documents and he informed the complaint they want to deliver is supporting documentation. When I refused to update my address he informed me I was breaking the law and " good luck in court. We will investigate and we will find you '' and then hung up. The number was XXXX. I am in the process of creating and sending a cease attempt to collect letter to the multiple addresses listedXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify all items.This debt collector did n't have any of information correct and you are reporting the same incorrect info, dates etc .... according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (MA)

We obtained a Quicken Harp loan about a year ago when rates were down. We are XXXX and had an ARM mortgage that was going down in years and up in payment amounts. Timing was important to us to refinance so we chose to go with a Quicken HARP loan based on their TV ads and excellent rating. At the time of processing the loan we thought Quicken did an excellent job. Now 1 year later we feel we were taken by Quicken as far as the interest rate they gave us. We had and still have an excellent credit rating. We just want to warn Quicken loan applicants to be aware to make sure of the interest rate they give out. We asked for a lower rate but they said we did n't qualify, do n't settle for less as we did.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I refinanced with Countrywide XXXX XXXX, XXXX and my home was valued at about {$390000.00}, an increase in value of about {$150000.00}. In XX/XX/XXXX, I applied to Bank of America for a HAMP loan. It was a horrible process. I talked to a new representative every time I called. I was told to skip a payment and it would roll into the final loan without causing any problem to my credit. I was finally given a HAMP loan at 4.25 % interest, increasing to 5 % after 5 years. My monthly payment was reduced by less than {$200.00} ( Principle, interest, taxes, insurance ). In XXXX, XXXX my monthly payment was {$1200.00} for principle and interest at 4.25 %. It is now, after completing in XXXX, XXXX, $ XXXX/month at 5 % interest. My principle was reduced {$5000.00} after completion. I have repeatedly tried to re-fi and I " do n't qualify, '' primarily because of my credit. 
My credit is in a shambles. I have n't had a raise since XX/XX/XXXX and had a 2 % pay cut for almost 2 years. I am an XXXX and have worked here for 28 years. Even so, I have been an excellent customer for BOA since XX/XX/XXXX ( though I fought with them to correct my credit when I skipped a mortgage payment at their request ). 
Now I am trying to get a HARP loan and, again, " I do n't qualify. '' Today I was told that my re-fi was an unconventional loan and did n't qualify with MHA. That is the first time I ever heard that. When I objected, the rep talked to someone a second time and he told me that XXXX XXXX does n't own my mortgage. I checked on the XXXX XXXX site and XXXX XXXX has owned it since the XX/XX/XXXX re-fi with Countrywide. If I do n't, then BOA did something to my mortgage that I was never aware of. 
Over the years, I have been told many different, conflicting things by BOA representatives. After the rep gave me XXXX unrelated reasons why I did n't qualify today, I see no reason to keep talking to them. 
I simply want to be able to afford the home I 've lived in since XX/XX/XXXX. BOA has not helped me, in fact, they have made my finances much, much worse.
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I received a notification from Nationstar Mortgage informing me they had no record of my renters insurance for the coop apartment I own. Included was notice they purchased insurance in my absence, placed a balance due on my escrow account and intended to raise my monthly mortgage payment to cover this charge. I never received any prior notice of this, and I do in fact have current insurance I purchased from XXXX which I renew each year. After contacting Nationstar, a rep told me since they had taken over my mortgage from XXXX, some things were not settled and still being worked out, but they had no record of my coverage and claim to have contacted me previously by mail. I asked to e-mail proof of my coverage to them to resolve this, and they said it must be faxed. I asked to speak to a manager, was put on hold and hung up on seconds later. I faxed proof of my current, valid and fully paid insurance payment, with a letter requesting written notice of resolution of this matter, and have received no response. A follow up call to Nationstar resulted in me being hung up on XXXX without ever even reaching a rep after long waits to speak to a rep. I 've owned this coop apartment for over 7 years and never had any problem with this insurance issue when XXXX held my mortgage. It should not be my responsibility to fix Nationstar 's errors when they purchased my mortgage, but I have made a good faith effort to do so. Nationstar is difficult to contact, uncooperative ( how could they possibly refuse an e-mail confirmation of insurance coverage in this day and age? ), has failed to respond to my providing the required documents and has entered into an insurance contract to cover my property, without my knowledge or consent, which should be illegal. I am requesting that my account be cleared of this matter. I want the escrow balance removed from my account, the related intended mortgage payment increase to be removed and this insurance coverage purchased by Nationstar to be canceled, all at no cost to me as none of this is the result of my error. Thank you for your attention to this matter.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE SENT IN ALL DOCUMENTS OF POLICE REPORT AND PROOF THAT I DID NOT INQUIRE FOR CREDIT WHICH I HAD XXXX XXXX WHERE I WAS IN ICU FOR ALMOST 3 YEARS AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO GET A NEW DRIVERS LISC. I WILL BE FILING A MAJOR XXXX DOLLAR ALW SUIT AGAINST THESE CREDITORS.