davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT)

Rushmore Loan Management Services, LLC I continue to tell them to contact my attorney, but they refuse and contact me directly. <P/>I contacted them in 2017 onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXamong other times. They continue to contact me and not my attorney. I have sent them signed written directives to contact my attorney. My attorney has contacted them. They finally responded in letters received on X/XX/2017 saying they had my letters and would contact me in 30 days - no mention of my attorney or the urgent time constraints in this matter.
Consumer complaint received 2017-01-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: DAS ACQUISITION COMPANY, LLC (MO)

This complaint is in reference to case # XXXX. We received a response from the mortgage company back on XX/XX/XXXX which included them issuing us a check in the amount of {$2000.00} and as of today, XX/XX/XXXX we still have not received it. I feel a month 's time is adequate enough that we should have received it by now. 

Thank you!
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc. (CA)

After a rigorous application process and having told the lenders that we wanted our mortgage to be l {$1500.00} or less, we decided to not proceed with them on financing our home purchase. A very aggressive and intimidating man made many harassing calls to our home using different phone numbers attempting to pressure us. 
He resorted to making threats and boldly told us to work with him otherwise, he would sell and misuse our financial and personal information to tarnish our stellar credit reputation. This is a VERY SERIOUS and disturbing threat to hear from a mortgage lender. This is unethical, illegal and crime of moral turpitude
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (DC)

I have a automatic payment deduction set up for my Discover credit card. The limit is {$2000.00}. They deducted the {$100.00} in XXXX. But in XXXX 2016 they did not make a deduction. However they reported to the credit bureau that my account was over drawn by {$35.00}. Why not make the authorized {$100.00} deduction that would have made my account {$1900.00} and avert a negative report on a customer that has never been late with a payment? Discover seems to rush to to negative reporting even when they have a real solution. I want the negative report removed. I will pay off the card and close the account. Do not need to do business with these type people.
Consumer complaint received 2016-11-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

XXXX : Southeast Toyota Finance VT XXXX as Trustee of World Omni XXXX of XXXX Additionally : XXXX XXXX, XXXX XXXX, NJ, sent a notice XX/XX/XXXX We returned our XX/XX/XXXX leased XXXX at the end of our lease on XX/XX/XXXX to XXXX of XXXX. They inspected it, declared it had no damage, and took possession of the car. On XX/XX/XXXX we received a bill from Southeast Toyota Finance claiming that when they inspected the car on XX/XX/XXXX, XXXX days after the car was out of our possession, there was damage in the amount of {$350.00}. 
We have no way of knowing what happened to the car during those XXXX days. 

Background : A week prior to returning the XX/XX/XXXX leased car, I went to the dealership and chose a new XX/XX/XXXX XXXX to lease. A few days later, someone identifying themselves as a XXXX representative called ( my wife got the call ) and said that, as our lease was about to expire, they would like to set up an appointment to inspect the car. My wife explained that we had an appointment with the dealership to return the car and lease a new XXXX in a few days. The person on the phone said that was fine, then, and did not schedule an inspection. 

What followed : For a year and a half, we have been trying to settle this dispute. There have been innumerable phone calls, emails, and letters. We have been shuffled back and forth among the XXXX of XXXX, Southeast Toyota Finance, World Omni XXXX, and now XXXX. We have contacted every person they 've asked us to, which has been a significant number. The number of hours we 've put into this is abhorrent. 

Additional information : Our payment record with Toyota Finance has been perfect, both for the XX/XX/XXXX lease and for the XX/XX/XXXX lease. 

Present : We have done everything we know to do to protect our rights. It 's time for the harassment to stop.
Consumer complaint received 2016-06-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

American Express continues to call me at work ( due to late payment ) 3-5 times a day. I informed them the first time they called that I can not receive these phone calls at work and provided them with my cell phone number. As of this afternoon, the calls continue to come in. My employer is not happy and I have already been verbally reprimanded for these calls.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

in XX/XX/XXXX XXXX XXXX XXXX service my loan to XXXX, I was behind with XXXX around {$5000.00}. I work with XXXX with a trail modification to pay {$1100.00} a month for a year from my regular payment of {$1400.00} paying XXXX. After the trial period with XXXX ( XX/XX/XXXX- ) it was agreed to put my arrears on the back end of my loan, reduce my interest rate for 6.5 to 3.5 and to keep my payment at {$1100.00} until my maturity date. I sign the paperwork and also signed my husband name because he was on the road. After I received copies of the document I signed it was different. my balance went from XXXX owe to XXXX owed with the interest rate staying the same and a balloon payment of $ XXXX after my loan maturity date. I got the paperwork from the new servicing company Select Portfolio Servicing company. I immediately called Select Portfolio and spoke with a loan specialist and I was told to rescind my modification agreement which I did by email and by fax. I separated from my husband and moved to Texas in XX/XX/XXXX. I recently inquired about my credit and it states that I still have a balloon payment mortgage. I believe I was a victim of predatory lending scam from XXXX and now with Select Portfolio Servicing company. I also kept some of my payment statement and it shows my unapplied funds instead of being subtracted from my balance owe it was added to the balance owe making my total amount due more and I do n't think my trial modification payment or my forbearance payments was not properly applied. My maturity date is XX/XX/XXXX with $ 36k+ owing. So with my credit history and my Husband credit history we will probably not be able to secure a loan for $ XXXX at the end of my mortgage agreement to pay for a balloon payment and will probably go into foreclosure and lose a house we owned since XX/XX/XXXX.
Consumer complaint received 2016-11-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX XXXX, XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX XXXX, XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
Consumer complaint received 2016-09-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (CO)

I called a place called navient and told them the person they are sending the collection letters to does not live here and i dont know who the person is.i asked the supervisors on 3 or 4 occasions to stop mailing me this mail and i dont know who the perso. Is and they tell me ok we will take care of it and take the address off file.it has not worked.im getting harassed and im the wrong person.
Consumer complaint received 2016-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

In XXXX I took out a XXXX loan for my son to go to college. 
My son paid on the loan and in XXXX he merged all his loans and since has paid them off. In late XXXX, early XXXX of this year I answered a call to my home phone of what I thought would be a telemarketer, because the ID said unknown caller. The female voice on the line asked for XXXX. I said XXXX does not exist and she said I am so sorry. Realizing that she thought deceased I explained that I was XXXX XXXX but divorced and now XXXX. She then told me that she was calling on behalf of XXXX and that I had a loan that has not been satisfied. I told her that she had incorrect reporting and why in the world would you call 13 yrs later. Since then I have received several letters in the mail of which I sent a bankruptcy notice ( XXXX ). I found that Federal loans do not qualify. No problem show me all the payment history. Who paid on the loan when payments were made and how they were made. I to date have not received any satisfaction with this request. My son called XXXX of whom he had merged and paid all the student loans with. The investigative dept was conferenced call with my son and I and all quesitons asked. The investigator did say this sounds like it may be a fraudulent claim. Still waiting on the results.I called the company Navient, in early XX/XX/XXXX the woman told me that there was XXXX on the loan # I gave her. I asked if she could mail me a copy of this XXXX balance. She said that she would have to send it to the finance dept and that takes up to 48 hours. No problem could they maybe send it to my email. She said yes. I waited a couple of weeks and never received it so I called on XX/XX/XXXX. I got a woman named XXXX told her of my request and she said you will have to call the guarantor, XXXX she gave me a # called and spoke with XXXX told her of my request and she too said you will have to call the guarantor of the loan. Frustrated I told her I was told that by the last lady and this is the # she gave me. She still said you will have to call. Now I am retired and living on a fixed income. This is so frustrating. Is this legitimate? Do I owe. I am trying to take care of this and getting no help. 13 yrs is a bit long to have someone decide to call and collect. Can you help me?
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (ID)

Wells Fargo is again manipulating post to my account. Since XXXX XXXX they have taken 35 fees of XXXX XXXX out since XXXX XXXX. That is or XXXX worth of fees. I was one of the victims which they were opening up accounts I never 0pened. This is flat crazy.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (FL)

i was in XXXX when my car was lost stolen at XXXX XXXX my card was used fraud in XXXX which i never went i called and sent plane ticket to regions they still not credit my money
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I purchased a home in XXXX where my mortage loan was under 2 lenders. When the housing market crashed and the economy tanked my house depreciated in value significantly. I wrote to and spoke to both lenders at the time, XXXX ( the larger of the 2 loans ) and Countrywide. I hired a local realestate agent who explained the option of a Short Sale and informed me I needed to talk to my lenders. XXXX would allow me to move forward with a Short Sale on the house. Countrywide would not agree and said in order to do such a thing I would have to pay them for insurnce they bought for me for the house at {$30000.00}. I did n't have that kind of money and was expecting to be laid off as the compnay I was currently working for XXXX was financially failing. My assumption was correct and I was laid off. I did receive several Short Sale offers on the sale of my house that were even signifcantly high considering the market but every offer was turned down by the smaller lender, Countrywide. After being laid off I could no longer pay my mortgage and even vacated the house and left it clean and ready for sale hoping the banks would change their mind. XXXX did decide to forclose on me but Countrywide to this day wo n't foreclose on the loan and still shows on my credit report that I am missing a payment everymonth. This house sold in foreclosure for {$69000.00} in XXXX. My short sale offers were for more than double that amount of money.
Consumer complaint received 2016-11-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX sent XXXX wire transfers to XXXX XXXX bank in XXXX, Texas to an account that was set up pretending to be one of our main suppliers of products ( XXXX XXXX ). Wires totaling {$120000.00} that should have gone to our suppler in XXXX, were received by some 3rd party at XXXX XXXX pretending to be XXXX XXXX.
Consumer complaint received 2016-11-12
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (GA)

In my recent review of my credit report In XX/XX/2016 I noticed Central Financial Control is reporting the same account to all three major credit Bureaus. I have disputed this account with the collection agency and they provided me with a itemized statement of procedures performed along with the medical summary of charges. This is a violation of HIPPA LAW. I have uploaded the statement. 
According to my understanding of the Fair Credit Reporting Ac, t their duty as creditors if to accurately report any account and to correct any mistakes and to place a comment of dispute on my credit report within 30 days ; this has not been done as well. 
Central Financial Control XXXX, TX XXXX Account # XXXX
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

OCWEN LOAN SERVICING, HAS REFUSED TO RESTRUCTURE MY LOAN. THEY ARE ATTEMPTING TO FORECLOSURE WITH A ROBO SIGNED ASSIGNMENT. XXXX XXXX IS ACTING AS TRUSTEE FOR XXXX XXXX. THIS TRUST HAS SEVERAL PENDING LEGAL ISSUES. THE ASSIGNMENT WAS CONVEYED AFTER THE CUT OFF DATE OF THE TRUST ACCORDING TO THE POOLING AND SERVICING AGREEMENT IN SECTION 201 ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OFF DATE.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MA)

Product Credit reporting Issue Credit reporting company 's investigation : No notice of investigation status/result Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
[ [ [ what does no notice of investagation mean you contacted them about XXXX i want fico score back to level it was ] ] ]???!!!! 
still waiting for experian to fix credit report and also put my fico score back over XXXX where it was before case # XXXX was started Consent to publish the description of what happened? Consent provided Product information
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Progressive Financial Services, Inc. (SC)

As i was checking my credit report today, stating that i owe amount of {$1200.00} through collection agency PROGRESSIVE FINANCIAL SE. I have never had XXXX. This is a result of ID theft for which i have had to file several complaints with Police and through CFPB
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (NY)

received noticed of unpaid medical bill from debt collector ( not sure when first received - sometime this year XX/XX/XXXX ). possibly received from State Collection Service in WI. <P/>debt is from services received from XXXX XXXX of Wisconsin. date of service XX/XX/XXXX & XX/XX/XXXX. <P/>we would gladly pay any amount owed however we never received any bills from the hospital. naturally upon receiving the debt notice i contacted XXXX immediately to try find out any information regarding the service etc. At that time they acknowledged that they had the incorrect address on file and perhaps the reason why we never received any bills. they told me they would send the information to the correct address. <P/>however after not receiving i contacted them again ( repeatedly ) only to be told that they would not provide any information, that they had turned the debt over to state collection service and i could only discuss with them. <P/>again, have absolutely no problem paying this bill. first however i never received any bills in the first place and second obviously i need detailed information as to what i 'm being billed for. i have an excellent credit score. <P/>thank you, XXXX XXXX
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

These attached accounts DO NOT belong to XXXX XXXX XXXX after a thorough investigation was completed and no viable evidence provided. 

XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$2500.00} PAYS 61-90 DAYS XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$1500.00} XXXX/XXXX/XXXX {$44.00} PAYS 31-60 DAYS {$1000.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$7300.00} XXXX/XXXX/XXXX {$7300.00} CHARGE-OFF {$3500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$570.00} XXXX/XXXX/XXXX {$190.00} 120+ DAYS PAST DUE {$400.00} XXXX XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$690.00} 120+ DAYS PAST DUE {$2500.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$4800.00} XXXX/XXXX/XXXX {$740.00} XXXX DAYS PAST DUE {$2300.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5200.00} XXXX/XXXX/XXXX {$750.00} 120+ DAYS PAST DUE {$2700.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$770.00} XXXX/XXXX/XXXX {$170.00} PAYS 91-120 DAYS {$600.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$1800.00} XXXX/XXXX/XXXX {$300.00} 120+ DAYS PAST DUE {$1700.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$350.00} 120+ DAYS PAST DUE {$2400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$560.00} XXXX/XXXX/XXXX {$100.00} PAYS 91-120 DAYS {$400.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$6700.00} XXXX/XXXX/XXXX {$760.00} 120+ DAYS PAST DUE {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$450.00} XXXX/XXXX/XXXX {$120.00} PAYS 91-120 DAYS {$300.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$5700.00} XXXX/XXXX/XXXX {$790.00} 120+ DAYS PAST DUE {$5100.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$840.00} XXXX/XXXX/XXXX {$150.00} PAYS 91-120 DAYS {$700.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5600.00} XXXX/XXXX/XXXX {$1000.00} 120+ DAYS PAST DUE {$5500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3600.00} XXXX/XXXX/XXXX {$380.00} 120+ DAYS PAST DUE {$3400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3100.00} XXXX/XXXX/XXXX {$430.00} 120+ DAYS PAST DUE {$2500.00} Please update your records accordingly.
Consumer complaint received 2017-01-12
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Genesis Credit Management, LLC (WA)

XX/XX/2016 I received multiple phone calls not only on my cell phone but my place of employment. Not only was I being harassed by this debt collector, but my employer/HR team was harassed by XXXX XXXX! During my second conversation with XXXX XXXX she started harassing me telling me " I heard about you ... '' which I am guess she had a talk with " The management group '' before contacting me. Not one phone call was XXXX polite nor was she professional. After multiple times asking her NOT TO CALL MY WORK, she continued to do so, being very unprofessional, Rude, disrespectful and threatening me ( As I stated before saying " She heard about me, or she was ( warned ) about me. '' Also telling myself and my HR team that they " legally have to give all of my information to her. '' If this is not harassment I do n't know what is. Since then I have not heard from this debt collector so I am guessing this debt has been dropped.