davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In XXXX I took out a home loan with XXXX XXXX XXXX XXXX dot XXXX for $ XXXX. It has been transferred multiple times and an alleged servicer called XXXX from XXXX has been collecting payments from me but I have still not received an updated statement as required by State and Federal Law. They claim that XXXX XXXX XXXX XXXX. is the Trustee for a Trust called XXXX XXXX XXXX XXXX which owns no properties nor ever acquired my note since it was filed with the XXXX XXXX  XXXX in a Chapter 13 BK filed by the original lender XXXX XXXX. My Attorney has sent them a QRW asking them ofr certian information and they have yet to reply to it. We ask that the CFPB please get involved as soon as possible and investigate this since we believe the documents filed by them on title are fraudulent.
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XXXX I reported to XXXX and experian ... Beginning XX/XX/XXXX, public record data collected for credit report reporting purpose including bankruptcies, civil judgement and tax lien must have common minimum 1 ) Name 2 ) Address, social security and / or date of birth. Minimum frequency of courthouse visit to obtain newly filed and updates public records of at least every 90 days. These credit reporting companies fail to removed inaugurated information on my credit report.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates (TX)

XXXX XXXX XXXX continues to call me and leaves threatening voice mails. They tell me they 're looking for me but do not have my correct SS number. I tell them I 'm not the person in question and to please do not call back. 
They have ignored my requests. Is this my only recourse?
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (CA)

Hi, so this company called corelogic credco, based in san diego prepared my credit report for a dealership, where I was applying for credit to finance a car. But the report is showing two mortgages that are closed as open and so those open mortgages are adding to my present mortgage and is showing that I owe XXXX k in real state, which makes my monthly mortgage payment almost XXXX dllrs. So I called corelogic credco and the woman that I talked to pulled the information from the report in front of her, I explained everything in detail, and she found the problem, but after waiting for a long while she came back to the phone and said that it was " a software problem and there was nothing they could do to fix it. I told her that there must be something they could do because it is their software and it is affecting my credit because I had been denied credit in 5 different occasions that I applied prior to the dealership, but her response was the same. she said " I 'm sorry sr but there is nothing I can do, is there anything else I can help you with? '' At this point I was upset, so I hang up the phone.
Consumer complaint received 2017-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armor Systems Corporation (IL)

Armor Systems Corporation sent notice to me on XX/XX/XXXX that a debt for an unpaid ticket issued by the XXXX Police Department had been assigned to them and they were attempting to collect. They did not advise what this debt was about. I had to research the debt with the help of the XXXX Police Department, which revealed that this debt was for a XXXX XXXX XXXX that is owned by an ex-girlfriend. I had completed the paperwork months before this to take my name off this vehicles title and registration. Notice of this debt triggered legal action against my ex to rectify the title and registration issues. My ex confirmed that this was her debt and that she had contacted Armor Systems Corporation to both pay and reassign the debt to her. Meanwhile, onXX/XX/XXXX, I sent a certified letter advising I was formally disputing the debt and requesting a formal response within 15 business days of my letter. Armor Systems Corporation did not respond to this dispute and did not reassign the debt. They sent notification on XX/XX/XXXX that the debt was paid. They have not provided any rectification for the assignment of the debt to me or even a response to my dispute.
Consumer complaint received 2017-11-24
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: NAVY FEDERAL CREDIT UNION (NC)

I have several accounts with Navy Federal CU and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I have a current mortgage thru Beneficial Financial/HSBC. I have been trying to refinance it thru a local bank to get a lower APR. I have been going thru this process since XX/XX/2017. My local bank has been trying to get information from Beneficial about my mortgage and not getting anywhere. They asked me to contact them, hoping that me, the customer, would have a better chance. 
So on XX/XX/2017 I contacted Beneficial Financial/HSBC due to the current bank I am trying to refinance with being unable to get Beneficial to respond. Upon talking to a Beneficial customer service representative over the phone, I learned that they had received the request from my bank for the Mortgage Verification, but they would not process it for 30 days. While having them on the phone, I requested a copy of it be sent to my home address as well. The rep. let me know they would do that. 
Today, XX/XX/2017, my bank informed me that they contacted Beneficial to find out why they have not received the Mortgage verification. They were told it was rejected due to it being electronic submission and that they would have to mail a copy to them to be processed. It would take an additional XXXX. At this rate of response, it will be the middle to end of XX/XX/XXXX before I am able to have my refinance completed. 
My complaint is simple, how are consumers able to deal with this if they are in a financial situation and a financial institution is not responding, or responding slowly. In todays age of electronic means, this should be a simple request. This is putting unjust restraint on information that most financial institutions require from each other and could be causing further hardships on consumers. In my case, I am trying to refinance to lower my payments to avoid financial difficulty. I have also read over XXXX reviews from the Consumer Affairs website stating similar experiences and even Beneficial not signing off on the lein after payoff. This has me worried that I am heading down the same path as so many others have.
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX The Appraisal used by Wells Fargo to counter the buyer on this short sale is invalid. 

1. The Appraiser used comps outside the XXXX area and in a completely different geographic and economic neighborhood than the subject property this does affect the sales price 2. The Appraiser used comps that are a YEAR OLD 3. The Appraiser outright IGNORED comps that were MUCH CLOSER and that CLOSED RECENTLY that were a lower value than the counter offer 4. The appraiser even ignored year-old comps that are in the same complex as the subject property that were lower in value that the counter offer ********* The Appraiser was obviously stretching to get this valuation to be in the higher price range dictated by Wells Fargo.
This appraiser could lose their license over these issues it has already been recommended to us by another appraiser to file a State complaint against the appraiser as her work product is extremely flawed and could not be used for origination of a loan or any other purpose for valuating a property. 

I have attached the following items : 1. XXXX XXXX showing Market Comparables that are RECENT and in the SAME NEIGHBORHOOD. 
2. Copy of the appraisal used by Wells Fargo - SEE PAGE 7 AND 11 showing the OLD COMPS USED 3. XXXX XXXX XXXX 4. Additional Market Comps Please see XXXX XXXXXXXX XXXX - This home is in Excellent Condition and is obviously C2 and not C3 as stated on the appraisal. Did the appraiser look at any of the comps or even call the listing agents -- - the answer is NO. Our unit is correctly listed as a C4 ( in need of major remodeling ) We have already addressed this with Wells Fargo and have been told that Wells Fargo reviewed the information we provided and has found nothing wrong with using comps that are a year old. -- - Seriously??? 

We demand this appraisal be re-reviewed with the information attached to this CFPB complaint. 

We expect this situation to be remedied immediately.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAINE & WEINER COMPANY, INC. (FL)

Dear Sir/Madam, I just found out that Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal account and it comes up when someone pulls up my credit. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business and it was a small business loan without collateral or personal guarantee. The company that got the loan went out of business and now, this company is coming after me. I 've never signed a contract and the company was using my signature for loans and other business matters as I was XXXX of the shareholders. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. I 'm in the process of moving and this has created a big problem for me. It is against the law and they jeopardized my housing opportunity and my job application. I will file law suit against this company if they do n't delete it from my personal record immediately. 
Regards, XXXX
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

I had a loan with XXXX XXXX XXXX and recently transferred to Bayview Loan Servicing. 
I had received an Agreement from XXXX XXXX XXXX to be approved for the Home Affordable Unemployment Program as of XXXX/XXXX/XXXX to begin XXXX/XXXX/XXXX. I have been unemployed since XXXX XXXX, XXXX. The loan transferred to Bayview Loan Servicing on XXXX/XXXX/XXXX, and now they are NOT wanting to honor the 6 months Forbearance ( Affordable Unemployment Program ). As far as I understand the Making Home Affordable guidelines, the new Servicer is to honor any agreement previous to the account/loan transfer. Please help me settle this issue. Thank you.
Consumer complaint received 2017-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (NY)

I am currently in XXXX school and have had a lot of trouble dealing with my servicing company ( Sofi/XXXX ) regarding the details of my deferment. I called them multiple times over the summer to go through the approval process and no one at any point in time told me that I would have to reapply every three months. My account was just auto-debited the full monthly payment. I 'm currently on the phone with them now disputing this charge. They are an awful company that has seemingly purposefully withheld information about how my in school deferment would work. I was also not told that I would have to make interest payments while in school.
Consumer complaint received 2016-10-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Financial Credit Service, Inc. (OH)

Asset Recovery Associates called me, my brother, and my parents to say I owed {$10000.00} to The Finance Company. This was an attempt to collect a debt from XXXX. I was n't working then, and I do n't know of anyone who will give a loan to an unemployed applicant. Told my my car and license plate number, listed several addresses that I never lived at, and told me I was due in court in XXXX, NY on Friday, XXXX XXXX, XXXX to answer for the judgement. I have never lived there, and do n't understand why they would sue me there. They said they would settle for {$2700.00} if I paid them {$490.00} by the end of the work day yesterday. I was told my wages would be garnished. They said their client would get their money one way or another.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time OCWEN stated that the application was lost, re-apply. During the period of XX/XX/XXXX a new application was submitted to OCWEN. The mortgage investor is According to our records, the owner of your loan is : XXXX As Trustee For IndyMac INDX Mortgage Loan Trust XXXX, Mortgage Pass-Through XXXX I have applied 2 times since with OCWEN only to be denied : without an explanation for the denial. The latest denial was on XX/XX/XXXX. 
On XX/XX/XXXX A telephone call to my agent : XXXX was contacted to ask why was I denied : answer is that I did not meet the investors guidelines. 
My mortgage went from $ XXXX@3.875 % in XX/XX/XXXX : up to $ XXXX@4.5 % hike in monthly payments and interest rate on XX/XX/XXXX. 
Our mortgage is an interest only mortgage and pays {$12.00} principle for the last 10 years. On XX/XX/XXXX, I filed an appeal and CFPB complaint against OCWEN and XXXX. 
I have a medical hardship and loss of income due to husbands XXXX medical condition. We both are on fixed income. 
The homeowner is qualified and eligible for a loan modification : homeowner was deied when qualified. OCWEN signed a consent agreement with a DOJ penality of XXXX Dollars for wrongful denial of loan modification to homeowner, when qualified.
Consumer complaint received 2017-11-10
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: CNG FINANCIAL CORPORATION (OH)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.
Consumer complaint received 2017-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is falsely reporting an account on my XXXX credit report. Portfolio Recovery Associates lists account XXXX on my credit report for {$760.00}.  Under " Type of Loan '' it is listed as a Factoring Company Account, however, Portfolio Recovery is in fact not a factoring company. This is resulting in the collection being listed under " other accounts '' on my credit report rather than in the " collections '' section, which is an incorrect classification. This is a violation of the fair credit reporting act. This complaint should not to be construed as an acknowledgment of liability for this debt in any form.
Consumer complaint received 2017-04-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems (PA)

Pay day loan lender is prohibited in my state when I advised I could no longer pay high interest fees and advised that web pay day loans are prohibited in the state of PA they kept calling and harassing me about paying the loan. Now they have reported on my credit in collection. My credit score has been significantly effected by this, and I may not be able to qualify for Home loans to purchase a house.
Consumer complaint received 2017-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I signed up for this card on XXXX/2017 and the bonus was {$500.00} on {$4500.00} purchase within 3 months. The first month I spent {$3500.00}, but Capital One decided to restrict my account WITHOUT warning. They also, never disclose to me that the 3 months to earn it is still going on. 

Eventually I figured out what was happening, and they unfroze my account but then randomly they restricted it again when I tried to make another purchase. So after sending in the appropriate documentation they never unrestricted my account as they state they never received the documentation despite evidence of it being done. Then they would state that we sent them the wrong documentation and at the end of the day the customer service was not there to help me, but after 2 months they figured it was me.. 

After my account got unrestricted it was PAST the 3 months, and I called in stating that I completed my {$4500.00} when will I get the bonus, but they said it is not possible. All of this hassle is ridiculous and I need your help in claiming my signup bonus.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

XXXX XXXX is hard to dealt credit card. I called more than a couple times to help me out to have my interest review since i am a single a father and my payments are only going up and up. I 'd to see if XXXX can be more easy with work with and reduce my interest rate to something that i can afford. 

The debt credit act tell us that every consumer are on their to ask XXXX to have and respect consumer and prohibit predetory lending and credit card ABUSE to consumers. 


XXXX XXXX XXXX/XXXX/XXXX SS : XXXX Card : XXXX XXXX
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CA)

Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays Aviator Card to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for 6 consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XX/XX/XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (NV)

They call excessively, either daily or multiple times a day. I have advised them of the excessive phone calls and have been making payments on the account however they still call too much!!! Just on XXXX XXXX they called at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I expect additional calls today as they just do n't stop calling even with arrangements set up. I previous to that received a call on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. This is for an amount of {$200.00} and some change owed to Wells Fargo Bank. They literally call everyday except Sunday 's and Holiday 's. This is an extreme nuisance and I have arrangements setup with them to pay {$25.00} every 2 weeks.