davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (GA)

I am requesting a full refund of my deposit of {$1900.00}. Before enrolling into this program, I was told that I had to be approved for the program after a review XXXX XXXX records on my home : XXXX XXXX XXXX, XXXX, GA XXXX. I faxed XXXX XXXX my mortgage account information and loan modification denial letter and he informed me that 24 hours was needed for Core Advisory Group to review to see if I would qualify for the program. I informed XXXX that my loan modification denial was due to the LTV ratio on my home is not & gt ; 80 %. On XXXX/XXXX/16 I was informed via email the following information : Your XXXX record has been reviewed by our discovery assessment department for eligibility and you have been approved for enrollment in the LDR government complaint case program. The LDR program opens state and federal complaints with the federal regulatory agencies that govern your mortgage lender. The LDR complaint process forces a fair and transparent negotiation at the executive level with your lender, resulting in reinstatement of your loan with a fixed interest rate and payment you can afford based on your financials today. XXXX informed me that Core Advisory Group did not file the standard load modification paperwork where financials were submitted to the lender but used government complaints to force the lender to modify the mortgage. I discussed the reservations I had about enrolling into the program because I had already been working with a foreclosure prevention company on a loan modification and I had already been denied for that loan modification. In addition, a complaint was already filed with XXXX 's executive management team regarding the denial. The complaint was still in review at that time. XXXX reassured me that your program was different and that since I was approved for the program, I was guaranteed that I would not lose my home and that my mortgage would be modified although he could not guarantee what my new modified mortgage payment would be.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We purchased a Lexus in XX/XX/XXXX with XXXX miles allowed on a 2 year lease. XX/XX/XXXX, my family encountered a hardship which we realized that we would need to use the car more than anticipated. We walked into the Lexus dealership and spoke with a financial rep. We explained our situation and asked if it would be possible to purchase extra miles or negotiate the contract. The rep told us that it will be possible to purchase more milage and to continue driving the car. So we drove the car and are now at XXXX miles. I called Lexus financial and was advised that buying milage was not possible and that there is nothing they can do to help. I attempted to speak to a supervisor and was hung up on 3 times attempting to be transferred. The last rep stated that they have been having trouble with their phone lines and the last rep XXXX had notated that the line had hung up. I am still waiting for a supervisor to call back. I understand we had a contract but we would have never gone over our miles if we had known that buying milage was not an option. I keep telling Lexus that I want to buy another Lexus and would like them to work with us with the overage on the milage. All they say is that we do n't have the capability to negotiate anything. I cant believe how they treat their loyal customers. I really want to purchase another Lexus since my lease is up in XX/XX/XXXX but if were being lied to about our options and playing the he said she said game then i will never step foot into another Lexus dealership. This is fraud and misrepresentation. Please help us negotiate our overage, I am a XXXX and do not have the money to afford what has happened. I am willing to pay half and get this nightmare over with. Please help me.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (TX)

My loan was transferred to Seneca Mortgage Servicing LLC ( NMLS ID XXXX ) effective XXXX/XXXX/2016 from another loan servicer. The Seneca Mortgage Servicing LLC transfer letter indicated I could use my bank 's bill pay program for payments. However, Seneca Mortgage Servicing LLC rejected XXXX bank bill payments scheduled in XXXX 2016. I called Seneca Mortgage Servicing LLC Customer Service on XXXX/XXXX/2016 and XXXX/XXXX/2016 after the XXXX payments were rejected. The explanations provided by XXXX ( XXXX/XXXX/2016 ) and XXXX ( XXXX/XXXX/2016 ) in Customer Service were not consistent with the transfer letter. I was told by XXXX Seneca Mortgage Servicing LLC does not accept bill pay payments from the borrower 's bank for a newly transferred loan until after the borrower calls and confirms the loan and contact information. I was later told by XXXX my loan was flagged for research. These unique restrictions were not contained in the transfer letter or posted on the Seneca Mortgage Servicing LLC website. Seneca Mortgage Servicing LLC should have accepted my bank 's bill pay payments for a loan in good standing at the time of the loan transfer.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DataMax Corporation (NY)

I have a credit score of XXXX. Interstate Credit Collections ( a subsidiary of DataMax Corp. ) has filed a matter as being in collection, but I am not aware of any outstanding item I owe to anyone. ICC does n't answer its phone ; for three days in a row, I got a recorded message on their line that they are too busy to take my call. I have no way of knowing what this item is, and do not appreciate this company hitting my credit record without giving me any opportunity to find out any further information. I do n't know what to do, but I 'm leaving for vacation next week and do n't want this sitting out there. What do I do?
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TX)

0N OR ABOUT XX/XX/XXXX2015 I RECEIVED A DISCOVER CARD IN THE MAIL .I DID NOT KNOW IF IT WAS REAL OR NOT I NEVER REMOVED IT FROM THE LETTER. I CALLED DISCOVER CARD COMPANY THE XXXX OF XXXX 2015 TO REPORT THAT I RECEIVED IT AND IF IT WAS REAL THAT I COULD NOT FIND IT SO I REPORTED IT LOST OR STOLEN. THE MAN SAID IT WAS REAL AND SOMEONE ACTIVATED IT THE DAY BEFORE AND HAD ALMOST MAXED IT OUT. AFTER HE TOLD ME WHERE IT WAS USED I CONFRONTED MY EX DAUGHTER IN LAW, WHO HAD BEEN AT MY HOUSE WITH THE GRAND CHILDREN THE DAY BEFORE. SHE CONFESSED I CALLED DISCOVER BANK AND GAVE THEM THE INFORMATION AND HER NUMBER. SHE SENT ME SOME MONEY FOR THE CARD BY MONEY ORDER AND I CALLED AND SENT IT TO THEM. I FILLEDOUT THE FRAUD REPORT FOR DISCOVER AND WENT TO SHERIFF OFICE TO FILL OUT COMPLAINT. AFTER XXXX TRIPS TO SHERIFFS OFFICE OFFICER XXXX SAID THAT HE TALKED WITH DISCOVER AND THEY WOULD HANDLE IT INTERNALLY. ALL THEY DID WAS CONTINUE TO BILL ME I GOT A LETTER STATING IT APPEARED TO BE FRAUD BUT I HAD NOT DISPUTED THE CHARGES SO I DISPUTED THE CHARGES IN WRITING. I DO NOT KNOW WHAT ELSE I CAN DO .I DID NOT ASK OR ACTIVATE THE CARD OR USE THE CARD AT ALL. I HAD THE CARD CANCLED THE FIRST DAY I CALLED XXXX THAT THEY NOT SEN ANOTHER CARD. FOR SOME REASON THEY CHANGED THE ACCOUNT NUMBER BUT DID CANCLE THE CARD BUT THEY ARE HOLDING ME RESPONSIBLE FOR THE BILL I NEVER ASKED FOR OR AGREEDED TO BE RESPONSIBLE. WHAT ELSE DO I NEED TO DO. IT IS NOT MY BILL I DID NOT GIVE ANYONE PERMISSION TO USE THE CARD. I DID NOT EVEN HAVE THE CARD WHEN I REPORTED IT LOST OR STOLEN. PLEASE HELP ME I AM A SEMI RETIRED PERSON AND CAN NOT PAY OTHER PEOPLES BILLS. MY EXDUGHTER IN LAW HAS BEEN IN AND OUT OF PRISON FOR THEIF. I AM TRYING TO RAISE HER XXXX CHILDREN WITHOUT ANY HELP FROM EITHER PARENT. WHY CAN I NOT GET THEM TO USE THEIR FRAUD PROTECTION IN THIS CASE? IS IT BECAUSE I WAS HONEST AND TOLD THEM WHO DID IT AFTER I FOUND OUT AND GOT HER TO PAY BACK SOME OF THE MONEY? WHAT CAN I DO? XXXX OFFICE SAYS I HAVE NOT BEEN OUT ANY MONEY SO THEY WOULD NOT LET ME FILE. I AM STILL GETTING BILLED AND IT IS HURTING MY CREDIT. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX SINCERELY YOURS XXXX XXXX. PS I DO NOT KNOW HOW TO SCAN DOCUMENTS I CAN FAX THEM OR MAIL IF NEEDED.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BMO Bank, N.A. (IL)

BMO Harris has charged my checking account an overdraft fee after the account was in the positive status. BMO does not have an alert system when accounts are overdrawn and I have overdraft protection. When the account is not funded transaction are not suppose to go through, they allowed the transaction to post to my account. Once I became aware of the negative account status I transferred funds into the account. BMO Harris sent me an email today stating I have an overdraft fee after I already brought the account back to a positive status.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (NY)

Hunter Warfield was hired by XXXX a property management company and is trying to collect rent from I lease of an apartment I had to move out of because it flooded and there was mold left in the apartment after the repairs. I have several e-mails where the management is apologizing for the constant alarms in the middle of the night due to defective fire sprinkler systems. For two months I had to stay in hotels and on my return I found the apartment was not properly repaired. I made several attempts to have the mold removed but the repairs were not done. I was forced to move out leaving three months on the lease and they refuse to take it off my credit report now costing me more in interest rates for loans. I have photo 's of the flood as well.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (MI)

On XXXX/XXXX/2016 I discovered an adverse remark being reported on my credit profile from Southwest Credit Systems, who is attempting to collect a debt on a {$74.00} account for XXXX XXXX. I was surprised as I was not aware of any debt owed to Charter, nor was I ever contacted or sent a bill. I called SW Credit Systems and they informed me that they sent the bill to an old address, and that they recently received the account in XXXX 2016. Should they have sent the bill to the correct address ( Upon closing my XXXX XXXX account I informed them I was moving and gave them my new address ) I would have paid the bill and avoided a negative remark on my credit report. There failure to meet the requirements set forth by the FDCPA, which clearly state that within 5 days from the initial communication they have to send me a notice advising me of my consumer rights and allowing me 30 days to dispute or pay this bill is now causing me serious financial harm. It is ridiculous that due to their own error, which they admit, they are unwilling to remove an unjust, erroneous, and incorrect adverse remark on my credit report. 

Ref # XXXX
Consumer complaint received 2016-07-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MI)

i sold a home at XXXX, mi. in XXXX of XXXX i had XXXX $ in an escrow account and was to be refunded this within 60 days. i have called both freedom mortgage as well as their emissary XXXX. i have not only gotten the runaround with both accusing the other, but have not received my money. i am a XXXX veteran who borrowed on a VA loan.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP (TX)

I was told I could leave the payment after hours thru the window box. I left XXXX and they keep calling me telling me that I did not paid, or maybe I left it in the wrong finance loan store. the lady who open in the morning XXXX or XXXX. I did a police report the following day from the security finance loan office and show the police that there is no way I could left it in the other store because the annex to the left its atlas finance and they do not have a window for after hours. and the right annex its a medical supply store, they do not have a window door to drop off the envelope with the money. and they keet calling me during working hours to ask for my payment, and they said that I need to go and give the payment that I have not paid. the security finance in XXXX on XXXX location does not have a camer inside, but the annex they have a camera and It has to be recorded when I passed. XXXX also mention that sometimes people stuck in a stick to get the money out, but thats impossibe.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all XXXX credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus Transunion, XXXX, and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Transunion over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with. Also my name is XXXX XXXX but they have it listed as XXXX XXXX and I have told them that information is incorrect multiple times and have even sent them the proof of identity each time they request it and they always reject it even though I send them the EXACT things they keep asking for. It is a really painful disgusting process.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (VA)

I have been called literally XXXX times regarding a fee that XXXX charged my company when we cancelled our telephone services with them. This company is Diversified Adjustment Services located in XXXX, MN but when they call me they have their number appear to be a local number which is an XXXX area code which I am wondering is legal to change the appearance of your number like that. We had been contacted by XXXX about renewing our phone services but told them we were looking to change carriers. We were then told that since we have had services for 2 years already there would be no break up fee if we cancelled the new contract. We asked them again to be certain no fee would be incurred for breaking the contract as we were fine going month to month but again were insured there would be no fee. A few months after agreeing to a new contract verbally, no paperwork was signed this was all done via a phone call from XXXX, we changed our service to another XXXX. When we got our final bill there was a fee of {$300.00} for early termination which we contacted XXXX to say we did not owe. They originally said the call was being recorded so we asked them to pull the recording but only XXXX to 4 months later when we questioned the bill they stated they could not find the recording. Now we have explained this to XXXX, XXXX other collection agency and now Diversified Adjustment Services will not stop calling me. We recently sent them a formal letter to quit calling as the debt is disputed but they have not received it as of yet.
Consumer complaint received 2016-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

My landlord would just walk into our apartment whenever he felt like it. He would not give us any notice at all that he was coming by ir the HOA. Anytime that he came into the apt or the HOA, I know they new someone was home because we had the t.v on all the time we were talking. One time the landlord walked in on us XXXX. We asked him multiple times to please give us notice just out of courtesy, plus by law he was supposed to if he was not doing anything of those exact things in the lease. Whenever he barged in, he was not taking pictures of the conditions of the apt nor showing any of the qualified people stated in the lease, for just walking in without any giving notice. We had to change the original locks on the door because he was barging in so much that sometimes I would be home with my son, and he would just walk in, scaring me and my son half to death thinking somebody was breaking in. One day he took the lock off the door that we put on to try to stop him from just walking in at any given time, since we asked him multiple times and he would not stop, that he left a hole in the front door, that anybody could stick their hand in the hole and opened up the door. I am a single parent, going to work everyday. I am not getting any assistance from the government. I work hard for me and my kids. Lastly, just because I did n't live in the nicest part of town and was not rich, does not mean that you can take advantage of people and treat them like trash. Scaring my XXXX boys and me that they are thinking someone is breaking into the house, having my boyfriend ready to protect or die for his family and you can clearly hear people inside that you could of had the common courtesy, respectfulness and decency to just knock on the door or call to see if we were at home. He was very ugly, nasty and stated that if you did not like it you could move out. I wad not the only tenant he did like this.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Our loan servicer, Seterus, repeatedly refused to review and eliminate the PMI insurance on our home loan in numerous correspondences going back over the past two / three years. They were adamant that we needed to pay them for an appraisal even through the remaining loan amount when compared to original formal appraisal in Seterus records was far below the 78 % threshold for eliminating PMI altogether. We have sent Seterus numerous letters demanding removal of our loan PMI in the amount of {$200.00}. Seterus always responded with a form letter and demand {$350.00} for a new appraisal before even considering our demand. THEN, WITHOUT ANY LETTER OF EXPLANATION or verbal communication, Seterus lowered our PMI from {$200.00} to {$53.00} in XXXX 2016. This was literally " Out of the Blue. '' They also sent us a check for {$830.00} with a notation " Overage Refund. '' As we investigated, we found that Seterus, for some reason which we have no knowledge of and have never - to this day - received an explanation of, reduced ( did not eliminate ) our PMI from {$200.00} to {$53.00}. WHY? No Clue, but this action and the fact that the outstanding loan balance amount did not drop *dramatically* ( normal month to month principal reduction ) between XXXX 2016 and XXXX 2016 supports our on-going contention that we have been overcharged by Seterus for PMI **going back years**. No one at Seterus will ever get on a phone and explain what is going on, and our written communications never give us a person to call as they are always signed " Sincerely, Seterus '' or " Your Correspondence Team. '' Our claim is that Seterus has been overcharging us on PMI for years and we are owed far more than the {$830.00} Overcharge Refund they have sent us. This is a systemic PMI overcharge that goes back years and we want a refund for all past year violations / overages and sanctions against Seterus for this action. The loan is owned by XXXX and we will be addressing this with their Fraud Division as well. 
Seterus Loan Number : XXXX Address : XXXX OR XXXX Sincerely, XXXX
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2016 I received a letter from Equifax dated XXXX/XXXX/2016 with the results of a recent dispute. Basically the letter stated that the item that I 'm disputing is no longer on my credit report. Looked on Privacy guard report dated XXXX/XXXX/2016 and XXXX XXXX report dated XXXX/XXXX/2016 and XXXX XXXX XXXX ( XXXX XXXX is still appearing on my report. Called Equifax on XXXX/XXXX/2016 at XXXX cst and spoke with a XXXX a customer service rep that works with Equifax that states my letter do n't say what I 'm saying it says. I asked to speak to a supervisor she transferred me to a supervisor by the name of XXXX where I was told that the confirmation was for an address deletion. Lastly, I was transferred to the fraud department where I spoke to an XXXX and was told they ca n't remove anything even if I have the proof only the creditors can, now I sent them the response from XXXX creditor where they stated that they ca n't remove anything only the credit bureaus can. Please help me Equifax is a scam. Please find I included all evidence that I have. My dispute, their response, and my credit report.