davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (MD)

I was in the process of a loss mitigation claim with Freedom Mortgage and I received a letter dated XX/XX/2017 stating my claim was facially complete and I would hear from them within 30 days. Then, I received a letter from XXXX dated XX/XX/2017 stating that my loan had been sold on XX/XX/2017. I never received anything from Freedom Mortgage about this, I received only a letter from them dated XX/XX/2017, AFTER the supposed sale of my mortgage, stating that my claim was being processed.
Consumer complaint received 2017-02-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCalla Raymer Leibert Pierce, LLC (IL)

On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.
Consumer complaint received 2017-02-16
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (CA)

This Ally Auto continues to call my home 4 times a day everyday for the last month or so. I am less than 30 days behind on my car note and they continue to call at least 4 times in a day to collect payment. Calling me this amount of times in a day is harassment and will not make pay them any faster.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion deleted an unknown account collection from XXXX from my credit report. 
They then re-inserted this previously deleted information. 
The collection company has not validated this account to me. 
The credit bureau did not legally give me advance warning that they were re-inserting this information 5 days in advance. 
The collection company did not legally give me advance warning that they were re-inserting this on my credit report. 

Please delete this account. Permanently.
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tormey Bewley Corporation (NM)

Albuquerque Collections, XXXX, NM XXXX, ( XXXX ) XXXX reported a collection for less than {$20.00} on my credit report in XX/XX/XXXX. The collection was supposedly a balance from a previous collection filed in XXXX that was paid in full before it was ever reported to a credit reporting agency. I never received another communication by mail, email or phone from Albuquerque Collections or the Medical Company associated with it that there was an alleged balance due for less than {$20.00}. That is, not until I checked my credit report in XX/XX/XXXX. I have had a few real estate transactions close since XXXX and not once did this collection appear on my credit reports. It is unfair practice not to properly inform a consumer before reporting to credit agencies. I did not have enough information or time to properly verify the amount they wanted to collect from me. I paid it off over the phone with them because I was told that it would be removed from my credit report. This was most important to me as I was in the middle of another real estate transaction. Now three months later, it is still being reported as a derogatory record that will stay on my report until XXXX! This has caused a XXXX points or more drop on my credit score for their errors. I find it unfair and unacceptable that me, the consumer should be penalized on my credit score for the next three years for their unprofessional conduct and errors.
Consumer complaint received 2016-09-30
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Santander Consumer USA Holdings Inc. (ID)

I received a letter from a debt collector dated XXXX XXXX, 2016 stating that we have entered into an agreement for debt settlement when no such agreement by legal definition has taken place. Part of the letters introduction is " NOTICE OF INTENTION TO FILE A LAWSUIT '' the letter has a case # as well as an account # appearing to be a court document. They did not submit any information beyond this nor ever have. No acknowledgement of statute of limitations whatsoever. I do not acknowledge this debt.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

Almost 5 months ago I applied for a mortgage refinance with Amerisave. Despite the fact that my wife and I have excellent credit and income well above average, and also despite the fact that our house is in a very desirable area of XXXX NJ, the loan still has not been closed. I have been told verbally over the phone that I have been approved and that the closing will be scheduled soon but I am repeatedly asked to supply " just one more thing before we can close ''. I have asked to speak to a manager several times and the people I am dealing with have refused to give me the contact information for a manager. What has been happening over the past few months is that I have had to send and resend documents. They asked for a bunch of documents ( which is expected ) but then would later request them again, saying they lost the fax or in one case " my signature was n't dark enough ''. The document with the supposed signature problem was to request my tax returns from the IRS and that happened months ago. There were also some repairs ( adding a missing handrail and such ) that I needed to address and have done so. Now that the repairs are complete I am being told they found something on my tax returns ( this is months later ) and they need me to fax my original tax returns or they ca n't close the loan. I did a little checking and what I realized is that the interest rates have gone up and what I believe is that they keep stalling hoping that my rate lock will expire or that I will get so frustrated that I just go somewhere else. A friend recommended the CFPB. All I am hoping for is that someone contact Amerisave and verify that I am not being scammed and maybe motivate them to close the loan and honor the rate I have locked. Please note that ( after the fact ) I read some reviews on websites and have found that I am not the only person to have this problem with Amerisave.
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & R Collection Service, Inc. (TX)

I ready pay but they apology for forgeting to put it in I Talk to the R & rcolection and they say they going to fix this I pay that XX/XX/XXXX and they send me to the colection agency on XX/XX/XXXX and until XX/XX/XXXX they stil charging me for that bill
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

On XX/XX/2017 a letter was sent to To : Ocwen Loan Servicing LLC ; XXXX XXXX XXXX XXXX XXXX ; New York Department Finance Legal ; XXXX XXXX Regarding XXXX XXXX XXXX XXXX We have requested a Discount/ Short Sale Payoff with a release of all claims for the property on XX/XX/2017 through the CFPB. 
On XX/XX/2017 we received a regular payoff quote from the correspondence Team at Ocwen. We have not received an explanation why we are being denied a Discount/Short Sale Payoff with a release of all claims.I 'm also requesting amortization schedule and all information that was requested from The AG Office in New York. As of today we are still waiting for the information Please advise,
Consumer complaint received 2017-02-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

Attended a school named XXXX XXXX. The school took a loan from Navient. I left XXXX after attending a few months. The school closed and became XXXX College. XXXX College closed and became XXXX College. However, it 's impossible to locate the transcripts from XXXX because it closed. It 's impossible to show proof that I attended that school. Thus, proving that the school is a scam school, which works with companies like Navient in order for both Navient and the school to take away money from the student. In other words, the school disappears, but Navient still demands payments. Money that they should n't have taken from a scam school, but still took. Navient now expects me to pay {$21000.00} for only attending a few months. Money that I should n't pay because it was all a scam. This money should be paid by the scam school.
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armor Systems Corporation (CA)

I am writing regarding several bills that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. This matter impacts both myself and my husband, XXXX XXXX, as we both visited XXXX XXXX 's office on five ( 5 ) total occasions between XXXX - XXXX 2015. 

At the time of each of our visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a Tier XXXX Preferred provider under XXXX XXXX 's policy, clearly documented by a screenshot of XXXX XXXX 's website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit and submitted the difference to collections. 

I have contacted XXXX XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with a representative there as recently as this month, who confirmed this again and stated that XXXX XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing in XXXX 2015 that there was no basis on which to submit this matter to collections, and repeated that assertion this week. However, XXXX XXXX 's office still submitted the bills to collections, where they remain. 

The dates of the visits in question are as follows : XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 Per this documentation, we have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. We have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence to obtain accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later.
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (GA)

On XX/XX/2017, I received an alert via my XXXX account that a collection account from SW CREDIT SYSTEMS L.P. had been added to my credit report. The account referred to a XXXX account. This collection account was added to my credit report without any prior contact from SW Credit Systems. It is not mine -- I have a current and active account with XXXX. 

On XX/XX/2017, I sent a debt validation letter by certified mail to SW Credit Systems requesting them to validate this debt. They have not responded.
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WA)

Caliber Home Loans offered a short-term, interest only modification and is refusing to break down the required up front cash contribution of {$2600.00}. This up front contribution is cost prohibitive for the borrower to accept the modification. Caliber is telling me they could change the contribution into a three-month trial period plan if the foreclosure sale, scheduled for XXXX XXXX, were postponed out 90 days. This is absurd. Caliber should offer an affordable trial period plan and if need be, they should postpone the sale 90 days to allow for the modification to be successful.
Consumer complaint received 2015-08-21
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Eltman Law, P.C. (FL)

I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX County Court today. I have done research on the Plaintiff, XXXX XXXX and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX year old child on less than {$XXXX} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at XXXX time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!
Consumer complaint received 2015-08-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My friend transfers fund to me according to my mobile number and I got a text from BOA saying that my account will be credited. However, I actually did not get the fund. The BOA said that the fund was transferred to the person who had this phone number before me because the phone number is bounded with his/her account, not mine. The BOA has tried to contact the person who received the fund, but got no response. The only solution BOA provided is to suggest me to call a lawyer to sue that person who received the money. XXXX reasons that I wan na make a complaints to BOA : ( 1 ) My friend is required to input the phone number and the recipient 's name ( My name ), but the fund actually went into a person with different name. The BOA did not match all the information. ( 2 ) I got the text from BOA saying that " xxx sent you xxx. Your account will be credited ''. " Your '' here should refer to the person who currently have this phone number, who should be me.
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO COLLECTIONS CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF XXXX ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.
Consumer complaint received 2015-08-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Yamaha credit/Capital one is reporting on my credit report in XXXX categories. Meaning it shows as a auto loan, however because it 's a revolving account it is effecting my my usage under credit card. This account to can be used only for auto purchases and not every day purchase like gas and grocery etc. I should not be penalized in the credit card when it 's an actual auto loan.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank branch representatives incorrectly characterized my IRA accounts as being funded with " rollovers '' instead of " direct rollover/direct transfer ''. In effect a XXXX was sent as a distribution and I suffered adverse tax consequences. In addition, XXXX XXXX (? ) the representative in the XXXX XXXX branch of XXXX, NJ did my paperwork incorrectly. I observed that she wrote my social security number on paperwork and left it in an unlocked desk drawer. XXXX XXXX took XXXX-120 minutes to complete the deposits, which she then called hours later to indicate were incomplete. Her message states that she needed additional signatures from me. I was not given a receipt, and she did not assist in correcting the character of the IRA funding source. My funding checks were left at the branch and I have no receipts or funds deposited although there is a 60 day limit to complete these transactions. When I called the branch this morning in response to her message requesting signatures, I spoke w/ her colleague XXXX who said she would look into the matter and return my call. Over two hours later, XXXX called me back and was verbally aggressive right off the bat demanding I come in to sign forms. She said she could not securely email forms to me, then she got angry when I asked to speak w/ the manager. She lied and said there was no manager on duty. When I asked for his name she told me XXXX XXXX then she was belligerent and asked me, " Yo, what 's your problem? '' I was astonished at this reaction, since I had not raised my voice or spoken tersely with XXXX. I asked her to put a manager on the phone and she hung up on me. XXXX failed to correctly explain the differences in rollover types, I believe she completed my applications incorrectly. In addition, my personal information was unsecure and I believe mishandled as she had various printouts and multiple branch employees assist with retrieving them from the printer. Finally, I was mishandled from a customer service aspect and I do n't want to do business with TD bank in effect. I am extremely concerned about the damages I suffered from my accounts being misapplied and am considering seeking recourse.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (FL)

XXXX setup services at my location at XXXX, Florida XXXX. However, their services were never used as I had never received a modem. XXXX has billed me for their services even after speaking with a Manager in their call center, and I 've been getting continued collection notices.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My credit card made a special zero % financing offer that I accepted & then they charged me interest every single month. I have called them 3 times & each time they have told me they are in the process of the resolving the issue & that I should see a statement credit soon. It 's been 6 months & I have not. They have also switched this card from being a XXXX to a XXXX. I am worried that this will get lost & never be resolved.
Consumer complaint received 2016-04-25
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CT)

Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a Progressive policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX. XXXX was told to cancel, however, it appears the rep ( s ) did not do so. Again, I believe they are referring to a previous policy which Cain and Weiner previously agreed to stop collection on
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (FL)

I am homeless with my XXXX year old and I need to get an apartment for her and me, I can not efford to pay my car on a monthly basis, I would have to choose my daughter well being or live out of the car.. I choose my daughter.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Two tax liens are incorrect and reporting with Transunion. I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue website below XXXX/Search.aspx
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

Dear Sir or Madam : FedLoan Servicing, a subsidiary of PHEAA, which manages the collection the student loan payments for the DoE, unlawfully and unethically administers the program in violation a various state and federal laws. Specifically, FedLoan Servicing engages in, inter alia, the following unlawful practices : ( 1 ) it charges usurious interest rates ; ( 2 ) it refuses to accept payments on weekends and holidays despite charges per diem interest on those days ; ( 3 ) it deliberately posts payments at least one day after receipt in order to delay processing and charge more interest ; and ( 4 ) it limits electronic payments to eight ( 8 ) per month. Despite multiple inquiries requesting the legal authority on which they rely, FedLoan Servicing ignores all communiques. Please investigate. Thank you. 

Very truly yours, /s/ XXXX XXXX XXXX
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MD)

My mortgage is/was with Wells Fargo. I recently did a modification early 2016. In the meantime, while going through the modification, a new program was introduced and I inquired about it. I was told that I would be contacted if I qualify. I called Wells Fargo often to inquire because the program stated that the Mortgage company should contact YOU, by XXXX 2016, if qualified. Low and behold, Wells Fargo sells my loan and I never heard anything about the new program. I called the new Loan company and nobody knows what I am talking about. I called Wells Fargo and now they ca n't speak with me about my mortgage because they no longer service it. I asked them XXXX ( mortgage companies ), to let me know, if/why I 'm not qualified to be in the new program, Please just send me justification as to why, because I have reviewed the qualifications and my situation fits the criteria. I need to know why I have not been contacted about the Principal Reduction Program, either way, if I qualify or not. I feel caught up in the middle with nowhere to go.