davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

NationStar or " Mr.Cooper '' is the service company - Loan # XXXX. At end of the foreclosure process - they sent notice of the Service Member paper work indicating that I was not a service personnel and the next notice I receive is that on XX/XX/XXXX summary judgement was issued. We were waiting for the court date and were not notified so were unable to send our new attorney to request a short sale since we believed we had used up all our legal options. 

Our original attorney since XX/XX/XXXX - XXXX XXXX - had withdraw from being our attorney in mid - XX/XX/XXXX. The bank 's foreclosure attorney had that information since they were in court. 

When I called NationStar aka Mr. Cooper and spoke to customer service last week I was informed that they had gotten statements back back that were sent to Attorney XXXX but had not called me to find out if something had changed. They told me that the foreclosure department does not " talk or communicate '' with the customer service department. They were fully aware of all that had transpired - court date, sheriff 's sale date - so someone had told them this information. One of the agents I spoke to told me that they had called the attorney back in XX/XX/XXXX but had not called since because they had gotten busy with " hurricances and floods ''. I asked to have the issue escalated and spoke to another agent that gave me an email to escalate my concerns to - XXXX. I sent an email this past weekend and have not heard back from anyone. 

We want to be given an opportunity to do a short sale instead of having a foreclosure on my record - they told me to go via XXXX but that they could not guarantee that I would be given time to do the short sale. As you know, there is a lot of paperwork involved in doing a short sale and putting it into XXXX. I know since I am also a XXXX XXXX XXXX who has done XXXX XXXX for my clients since XX/XX/XXXX. 

I would like Mr. Cooper to give me a chance to do the short sale - a minimum of 120 days to list the home, get a buyer and submit the necessary paperwork. 

Just because I was not notified of the final court date and the sales date was escalated some how in one of the largest counties in the state only adds to my curiosity on how they managed to do this. 

My reach number is XXXX - my email is XXXX Any assistance would be appreciated since Mr. Cooper does not seem to want to respond to me at this point. The property is finally at least at market price. My son and his wife have lived in the unit and will also need additional time to leave if the court date can not be stopped for some reason. Thank you!
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NH)

In XX/XX/2014 I signed up for a class with the XXXX XXXX  XXXX XXXX XXXX. The financial obligation statement signed states " I agree that by registering for courses within the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am financially obligated for ALL costs related to the registered course ( s ). Upon a drop or withdrawal, I agree that I will be responsible for all charges as noted in the student catalog and handbook. I further understand that if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. I also agree to pay for the fees of any collection agency, which may be based on a percentage of the debt up to a maximum of 35 %, and all additional costs and expenses, including any protested check fees, court filing costs and reasonable attorney 's fees, which will add significant costs to my account balance. '' This statement does not say anything about loan terms. It does not specify an overdue balance being categorized as a loan. No line of credit was provided. The statement does not specify any type of monthly payment agreement. The only thing this statement says regarding credit is " ... if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. '' However, this organization is categorizing this balance as an unsecured loan, on a revolving account with a monthly payment obligation, now reporting 32 missed payments on my credit report. Since XX/XX/2014 I have been actively trying to get this reporting resolved with XXXX themselves, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX the collection agency managing the account, and the credit bureaus. When referencing the fair credit reporting act, the institutions actions are in violations in multiple ways. The financial obligation statement is vague and does not clearly explain how they are treating past due balances. With the exception of the credit bureaus, none of these organizations have responded to me directly after multiple disputes. They also have no documentation that outlines a service term, loan agreement or line credit being extended.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

Once again Roundpoint Mortgage Servicing XXXX has again lost my insurance payment. Which they after 4 years must be doing this on purpose in a effort to gain foreclosure on my house. They are a predatory loan servicing company involved the a predatory lender XXXX XXXX XXXX XXXX.This year they chose to randomly send my insurance payment to XXXX, not knowing if I was renewing, changing companies, selling the house, if policy rate increased etc. When I pay bills I don't just randomly send money to a company and hope its the right one. But this company clearly does and does it yearly. Payment was send on XX/XX/XXXX, the policy expired XX/XX/XXXX. In that time the payment has now been lost and the insurance premium is unpaid with XXXX. Part of the job of these purposely incompetent XXXX XXXX is to service the mortgage and I am yet to receive that service. Upon XXXX contacting Roundpoint, XXXX the representative could not even supply a business address to XXXX. I would assume much like their payment processing these people just randomly show up at a building in the morning and hope for the best. The complete lack of being able to perform any servicing of my mortgage is a direct breach of contract. I the customer and am having to clean up their mess year after year as they try to steal my home. Now the loan has until XXXX for me to correct it before XXXX drops coverage since Roundpoint failed to properly pay them once again. Last years excuse was because the policy number changed, this year they claim the policy number never changed. I will continue to file complaints until Roundpoint is no longer my servicer. They have made no effort over the multiple years to fix this problem.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: GREAT LAKES (NC)

Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.
Consumer complaint received 2018-02-06
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CREDIT CONCEPTS, INC. (WA)

I currently have another ticket open with CFPB regarding this business which has been open for over 15 days now. XXXX Although this ticket is open and not responded to, Credit Concepts is still continuing to call myself and my employer directly. They have continuously called and emailed my employer directly to " Verify employment '' my employer has verified employment with them several times now, and it's gotten to the point of harrassment. My employer has come to me multiple times now wondering why I have so many calls to verify my employment and are questioning the validity of this business all together. 

I have included screenshots of emails and call logs showing these instances. Please note these recent calls and emails are still happening while Credit Concepts is delaying responding back to my original ticket. I feel these emails, calls, and otherwise, are retaliations to my original CFPB complaint.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Navient has recently taken over my loan that was not originally contracted with them. They have given false information on bringing my account up to date and had also been contacting a number out of service and never reached out to my secondary number when notified. I am still in school and was told if i made a forbearance payment of XXXX dollars my account would be up to date - now theyre telling me that the month of forebearance needs to be paid so i was delinquent. This has already affected my credit score once due to their neglEgence and i will not allow this to happen again. They are not even the company i had chosen to take the loan out with they bought the loans to my understanding and i do not like their customer service or the way they handle situations.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (GA)

Date:XXXXXXXXXX From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX To : Diversified Consultants XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Cease and Desist Acct # Dear : Diversified Consultants Inc I am respectfully requesting that you refrain from contacting me by phone, with no letters in the mail, by text messages and email. Please refrain from using such methods as skip tracing, to contacting my relatives and employer. Do not contact met at all! Your continues calls, letters in the mail, text messages, emails and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions ( FDCPA ) Laws. If contact does not ceases immediately I will be forced to utilized legal representation from a FDCPA Attorney. 
Fair Debt Collection Practices Act including but not limited to sections : 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts  Regards, XXXX XXXX
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (MA)

Refused a payment so I could get caught up on one payment. They said they already sent out two letters of intent to foreclose ???? Why would that be if only late 1 month now all sudden 3. Never received said letters or notifications. This morgage sold by XXXX last year and already increased morgage due to increased escrow but my ins company denies any increase. Also delays in check processing on their end givescynfair late fees. They want 3 months morgage totaling over 3000.00 in 3 weeks
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

If you could help me I would truly appreciate it. There are two XXXX XXXX XXXX XXXX reporting on my credit file that are not mine. I did not sign for them and even the name is different. They belong to my brother XXXX XXXX XXXX. My name is XXXX XXXX XXXX and the mortgages were opened under his name. His social security number is very close to mine the last two digits are the only numbers different. I have tried to dispute this with the bureaus and for some reason Experian is the only one that continues to report this under my name. I don't know if it's XXXX or if it's Experian but this is not mine and I have never lived at the address for which these mortgages were attached. These belong to my brother XXXX XXXX XXXX and not me. I am XXXX XXXX XXXX. I have also attached records showing the information belongs to him.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX I did not sign nor agree to no loan transfer or sign any agreement or terms that or to XXXX XXXX XXXX XXXX XXXX agreeing to new terms. XXXX XXXX XXXX XXXX is the originator of the loan. XXXX XXXX  XXXX needs to provide me documents of loan change and redone sign agreeing to terms agreeing to a loan transfer in my name. 

XXXX needs to provide me documents there the originator of this loan. According to the documents I sign XXXX XXXX XXXX Conduent Documents that was provided to me is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the documents provided to me there is no ( XXXX ) on none of the documents I sign for the loan or the orgination/Originator of the loan. There is no ( XXXX ) no where on none of the documents I sign nor is any information they reported on my credit file with Experian legal to do there is no sign legal binding contract or loan with them. 
Experian has no documents that they sent me back on the uploaded documents showing this company ( XXXX ) as any original owner of the loan nor has Experian showed me any documents that I agreed to a transfer by XXXX XXXX XXXX XXXX. 
As on the Documents XXXX XXXX XXXXXXXX XXXX XXXX is not listed as the original owner of the loan as well as the documents supplied by them and sent back to me from Experian. 
I need proof from XXXX XXXX XXXX XXXX to how they are the original legal owner of this loan in to which there no where on none of these documents sent to me. 
As shown Conduent is shown on the document Experian needs to provide proof from ( XXXX ) that there the original loan not as a servicing company in which I never agreed nor sign any documents of any legal biding transfer of this account with no consent by me legally binding Further more this looks like fraud by XXXX XXXX XXXX XXXX ( XXXX ) as to no legal documentation just some transfer with out merit or legally binding.

If documents cant not be furnished to this matter I 'm going to pursue legal action on XXXX XXXX XXXX XXXX as well as ( XXXX ) to why there was no legal paper work sign or legally binding contract and why XXXX XXXX XXXX XXXX is no where on any of the documents as well as ( XXXX ) This look like a paper game with no real owner or legally binding as to the manes listed XXXX XXXX XXXX XXXX. 
XXXX is no where on any documents what so ever Documents uploaded as proof there is no XXXX XXXX XXXX XXXX no where on any documents nor ( XXXX ) so where is the legally binding agreement with ( XXXX )
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (AL)

I have a loan with StateFarm Bank using my father as a co-signer. I do not receive any statements, electronic or paper, for the account. 

I intentionally paid extra on my loan a couple months in a row, and StateFarm took me off of auto-pay. I was not aware that my loan was no longer auto-debiting from my account. This cause me not to pay the loan for 3 months. 

I did not receive a statement, an email or a phone call regarding the account. All communication went to my father who did not inform me I was late on my loan payment. 

This now will negatively affect my credit score and his. 

Once my father informed me he had been getting mail from state farm, I called to check on the account. 3 times I was told the account was current and no payment was required. 

I have gone into the account to request a paper statement be mailed to me, but the website says I am " not eligible '' for paper statements. However I am the one paying on the loan! I am not even able to review an online statement! 

This is unacceptable. I should be informed about what is going on with my loan.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

In mid-XX/XX/XXXX, I opened a XXXX  Checking account with HSBC with an initial deposit of {$1500.00}. Two months later, I received the letter I've attached dated XX/XX/XXXX. They used vaguely threatening language to convey to me the notion that if I didn't provide them with unspecified additional information, my account might be closed. They provided a toll-free number to call.

On numerous occasions since then, I have tried without success to reach them. There have been hold times up to 30 minutes without an answer ; their system offered to let me leave a call-back number but I was disconnected ( twice ) upon selecting that option ; twice, I selected that option and was told the mailbox was full ; and twice I was able to leave a message including my call-back number, but I've heard nothing. I've tried other HSBC customer service numbers, but I was told I needed to call the specific number on the letter. I've tried their Chat feature on their website but was told I needed to call the specific number on the letter.

In short, I have gone to extraordinary lengths to try to comply with their request, but I've been thwarted at every step. I'm through trying. I'm seeking your help in punching through their barrier to contact them.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

In XX/XX/XXXX, I paid for flights to XXXX XXXX, XXXX XXXX ( for XXXX in XX/XX/XXXX ) using XXXX XXXX Thank You rewards points and {$20.00} on my credit card. I purchased the tickets on XXXX 's XXXX website. At the time I used the points, each points was worth XXXX cents each if used for flights on XXXX XXXX, which means I was able to use them to purchase flights worth a total of {$990.00}. It took me a long time to earn {$990.00} in Thank You points, and I was relying on being able to use them at a value of XXXX cents each when I signed up for two Citi credit cards and paid the steep annual fees ( {$350.00} for one ) and used them instead of other credit cards for many purchases. 
After I traded in my points for flights, on XX/XX/XXXX, Citi reduced the value of its Thank You points, such that XXXX point is now only worth XXXX cents each if used to buy flights with XXXX XXXX. 
As everyone knows, XXXX XXXX devastated XXXX XXXX in late XXXX. XXXX XXXX had to cancel many flights, including ours. In XX/XX/XXXX I called XXXX to request a refund, and that refund was issued on XX/XX/XXXX. As the attached email from XXXX shows, the refund amount was {$330.00} for each of the XXXX tickets, for a total of {$1000.00}. XXXX says the refund went to a " XXXX ending XXXX, '' which must be the card that Citi used to pay for the tickets. ( I paid with points, and I never had a credit card with these last four digits. ) On XX/XX/XXXX, I called Citi to ask how I would be refunded the {$1000.00}. I said I would prefer a check. The agent told me the refund would be in the original form of payment - Thank You points and a {$20.00} credit card refund. I explained that I did not think that was fair since Citi reduced the value of Thank You points by 22 % after I used mine. The agent apologized and encouraged me to file a complaint online or with the CFPB, since there was nothing the agent or their supervisor could do to make up the difference for me. 
On XX/XX/XXXX, Citi credited the XXXX Thank You points back to my account.