davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (VA)

My current mortgage company, Caliber Home Loans, took over my mortgage in XXXX, XXXX from XXXX XXXX, and they have perpetually miscalculated my mortgage payment / escrow, which has resulted in both insurance and monthly payment issues that have significantly affected my finances. 
Shortly after taking over the loan from XXXX XXXX, Caliber failed to make payments to my homeowner 's insurance company ( XXXX XXXX XXXX ). XXXX sent me notifications threatening to cancel my insurance due to a lack of payment. Several phone calls to XXXX, XXXX, and Caliber revealed Caliber had an incorrect address to which payments were supposed to be sent. For the years XXXX had my loan, there was never an issue. XXXX had passed along all the appropriate addresses and information, but Caliber chose to use a different address. Aside from lost time, we had to pay a large lump sum to XXXX to have our insurance continue while Caliber figured out their issue. 
From XXXX to XXXX XXXX, our monthly payment remained the same as it had with XXXX. In XXXX, XXXX, Caliber notified us of a new monthly payment, which was less than what we had been paying. In XXXX, XXXX, we received notification from Caliber our escrow account had insufficient funds to make payments ; therefore, our monthly payment was increasing to cover escrow costs. This new payment was an increase of {$790.00} per month! This was a XXXX % increase in the monthly payment ... a very significant amount with huge impact to our family budget. When I called to discuss the issue, I was told the error was my problem / fault. The implication was they could not be expected to calculate an accurate payment. Any error in their calculation, they claimed, was my issue for not ensuring they, as a mortgage company, could do proper math. Their error, in fact, was completely omitting payment of homeowner 's insurance. ( ANOTHER issue with insurance ... ). 
I absolutely understand that a monthly payment can change due to taxes, etc., but to change by 37 % is exceptional and egregious. There must exist some reasonable expectation between the consumer and the company ( especially a mortgage company ) that basic calculations are done correctly. Their error reflects institutional incompetence ; their attitude shockingly indifferent. They admitted the mistake, but offered no solutions that held themselves accountable for it. 
I 've never missed a payment. I did not ask or seek the relationship I am stuck in with Caliber. As a XXXX, I can not accept their ridiculous lack of accountability. Their comedy of mistakes has and is affecting our ability to save for our children 's education and our retirement.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I had recently put in a complaint via your website because of some injustices that I feel had been going with my loan servicer, Caliber Home Loans. Previously my file was not being reviewed properly or was getting dropped out of review because Caliber claimed that I was not sending in documents, when in fact I had been. In addition, Caliber has been running a duel process of having my file in review along with active foreclosure sale dates, which I have been told in California is not legal to do. I recently was declined again XX/XX/XXXX, due to low income, so I resent a new application showing over a 40 % increase in income ( I am self employed so my income can increase significantly ) XX/XX/XXXX and last week I was told that my sale date was on hold and that my file was in review. Today, XXXX/XXXX/15, I call for another update and have been told that my file was declined on XXXX/XXXX/15, only XXXX days after I emailed my documents and that my sale date is now on for XXXX/XXXX/15. I spoke to the rep and they told me that they used an income of over {$7400.00} against only {$5500.00} in debts. How is it that my debts are excessive if this is the case. I have also expressed that I am willing to take a higher payment than my previous payment because I just want to get back on track. I do not have enough to bring my loan current and I keep getting told that they can not modify my loan because I already have 2 %.
Consumer complaint received 2016-02-17
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2016 I sent a wire transfer from my bank " XXXX '' in California via an intermediary bank " Bank of America '' to the beneficiary bank " BAC '' in XXXX. 
BAC would not release the funds because of incomplete information. After further questioning as to what was incomplete BAC supplied me with two emails showing that Bank of America in XXXX omitted the name and address of the intended beneficiary in XXXX. I am asking for a full refund of the charges involved because after I finally had the funds returned I needed to pay all the charges again. XXXX charged me {$40.00} and Bank of America charged me {$15.00} for the incomplete service. 


I have sent a certified mail with all the documents and received a form letter telling me to get XXXX XXXX to handle it. 

It is almost impossible to get thru to Bank of America and the wire transfer division is almost top secret.
Consumer complaint received 2016-01-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (MT)

XX/XX/XXXX, I contacted Planet Home Lending letting them know that I have become XXXX, and that I need assistance with my mortgage until my hearing with the Social Security Administration. It is listed all over their website that they have programs and are happy to help. They reported that they received my paperwork on XXXX XXXX XXXX. It is now XX/XX/XXXX and not only have I heard nothing from them regarding my need for assistance, which I was promised within 30 days of them receiving my paperwork, I am still receiving call after call from nasty people from planet home lending asking when I was going to pay my bills, or pay my mortgage to current status. They also have people taping nasty notes on my front door telling me to pay up. Not only have they lied repeatedly about wanting to help, they are charging me late fees for every month they make me wait for them to give me an answer. I WAS NEVER TOLD BY ANYONE AT PLANET HOME LENDING THAT DURING THIS TIME I STILL NEEDED TO MAKE PAYMENTS UNTIL I HEARD BACK FROM THEM.
Consumer complaint received 2016-01-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

I paid XXXX medical bills on XXXX XXXX XXXX, for XXXX medical services at the XXXX of XXXX XXXX hospital, XXXX, with XXXX XXXX XXXX. The XXXX medical services were on XXXX/XXXX/XXXX and XXXX. The bills were for {$810.00} and {$470.00}. I paid these bills in full via a debit card transaction on XXXX/XXXX/XXXX. This was after I had a conversation with Chase Receivables who informed me that the bills were unpaid - and I promptly paid the bills. Despite this I have continued to receive REPEATED harassing calls from Chase Receivables saying I still owed the money, despite my telling them that I have paid the bills. This is both intolerable and totally unacceptable. I attach a receipt for payment from the hospital and a screen grab of my debit card transaction paying the bill.
Consumer complaint received 2015-06-02
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (PA)

On XXXX XXXX XXXX threatened to garnish my wages when I offered a {$5.00} payment outside of the rehab program I had been deceived by XXXX XXXX XXXX into accepting ( though I never signed their papers ) In XXXX XXXX, I agreed in principle XXXX, who convinced me by saying they would backdate it to start a year ago ( since I had already been making the $ XXXX/month payments, saying that I could 've even done it at $ XXXX/month with my income and expenses. However, each time they sent the paperwork it never showed the backdate, so I never signed it or returned it. Another problem with the XXXX is they were no longer willing to set up my payments with my pay schedule from work, but insisted on the same day each month. He initially placed it too early in month, but did later say fixed it till end of month, but they would n't accept future payments when I attempted to make them. 
Going back to XXXX XXXX, XXXX, when I got on phone with XXXX XXXX, it was my XXXX call in to the number XXXX provided back in XXXX. Now, XXXX told me that it was n't the correct department, hence my issues getting through earlier. On top of that, like I wrote earlier, he threatened garnishment on me. This is the XXXX time they threatened garnishment outsuide of their company policies and DOE regulations. I am trying to make payments, but this company continues to harass me and cause me undue mental anguish in trying to resolve these accounts. 
( A little background here, these loans were less than half their current balance when I was in hardship deferral after college and was arrested in XXXX, sent to prison in XXXX. I feel that they are unjustly higher based on circumstances outside my control as no one advised me I had to renew the deferral annually and I did n't get mail until XXXX in prison when they were already in default. )
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Loan # XXXX XXXXSpecialized Loan Services, LLCSince XXXX 2013 I have had issues with Specialized Loan Services. I have spent over {$100.00} in USPS Certified Mail this year alone requesting information and help with my account and payment history and have not received any replies to these requests. Per the attached XXXX documents, I am requesting they remove my escrow account from my mortgage and make me responsible for paying for my flood insurance, homeowners policy and taxes. I will be responsbile to provide them proof of payment.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lakeland West Capital LLC (MD)

In XXXX my husband and I defaulted on an unsecured loan from our local bank. The XXXX was put into receivership with the FDIC, and its assets sold. Our defaulted loan was sold to XXXX XXXX XXXX, XXXX. One month later it was sold again to XXXX XXXX XXXX XXXX, XXXX. Then in XXXX XXXX it was sold again to Lakeland West Capital, LLC. In XXXX of XXXX we were served notice that we were being sued for this debt, by XXXX XXXX, representatives of Lakeland. 

I contacted XXXX XXXX, XXXX XXXX, in XXXX XXXX and paid XXXX then to stay the case, and had a conversation with XXXX about being able to pay the balance in near future, if a reduced payoff could be negotiated. He said it could. He emailed me requesting agreeing to {$700.00} now/ $ XXXX month. I sent XXXX. When contacted about new payoff XXXX XXXX, he responded with XXXX I replied that the original debt sued for {$4300.00}, less {$700.00}, should be more like XXXX. Asked for recalculation, with no further response. 

I then called XXXX XXXX, collections for Lakeland. The phone was answered " XXXX ''. Thinking I had dialed in error, hung up and called back with same response. I left VM, and emailed her. Over the next few emails I asked for reduced payoff again, a detailed statement of what I owe, what interest rate they are charging, is interest still being charged, and how my payment was applied and how do they arrive at XXXX for the pay off. She replied that they had paid XXXX in legal fees to XXXX XXXX. and that the payment was applied to late fees and back interest, nothing to the principle. 

It seemed odd to me that a car finance company is involved in my old loan, so I started XXXX. It appears that XXXX, XXXX XXXX and Lakeland all share directors and presidents that are all interelated, and involved in scores of debt " investors '' companies. I feel that they sold and resold my loan to each other to inflate the fees and costs associated with my debt. Furthermore I feel XXXX is in collusion with these people in setting a " payment plan '' with no terms, no explanation of how the payments are to be applied, no explanation the INTEREST is still ACCRUING BY THE DAY, how much the interest is or anything else. In my opinion the XXXX XXXX fees are inflated because the summons indicated that XXXX other debtors were in the same batch as my case. 

Am I supposed to pay XXXX a month FOREVER? In every other instance of setting up payment arrangements, even with credit card companies, they stopped charging interest, and were flexible in the payment amount. When I told XXXX XXXX that I could do maybe XXXX and XXXX a month, his response was Lakeland want XXXX or nothing. 

What can I do? 

Thank you,
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account or Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions|
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I am consumer who may have been victimized by collusion among XXXX industry regulated professionals from Wells Fargo Bank, XXXX and their chosen real estate appraiser. Please refer to the participants listed below that are subject to this CPFB complaint. 

Buyer/Realtor/Borrower ( same person ) made an offer to complainant to purchase a property. Complainant in this matter is also the Seller and a licensed Realtor selling his own property. 

Buyer and loan officer have a close and personal relationship. The same loan officer has represented to Seller that he has performed prior mortgage transactions for this same Buyer/Borrower in the recent past. 

Lender ordered an appraisal which was conducted on XXXX XXXX, XX/XX/2015. Indicated value was $ 60K below contractual purchase price in an otherwise very vibrant and thriving market where the subject property is located. Abundant supporting comparable sales data exists. 

The appraiser seemed to go out of his way to select very old and outdated and inappropriate comparable sales data in what appears to be in an intentional effort to drive the property value down. The appraisal report is attached to this complaint. 

Seller requested, in writing, that Wells Fargo Bank issue a challenge to the appraisal report. Complaintant also requested that Wells Fargo Bank arrange a customary supervisory field review. Wells Fargo did not act upon the Seller request. Instead, the Buyer/Realtor/Borrower insisted upon renegotiating the purchase price relying upon an obviously flawed and frivolous appraisal report. Seller/Realtor did not acquiesce. 

An egregious attempt was made to bring about intentional economic disadvantage to the Seller. 

There outward appearance of intentional collusion exists between the parties. 


Buyer ( also acting as her own Realtor ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Agent - XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX # XXXXWells Fargo Bank Loan Officer ( and personal friend of Buyer/Realtor ) XXXX XXXX Mortgage Consultant, XXXX ID XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX | Cell XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX ( XXXX ) XXXX Appraiser Certification : XXXXComplainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (CA)

I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time. 
The " Account Status '' button up top was the closest option to my situation. Technically, the status of my payment history on my account is incorrect and it needs to be fixed. 
Thank you.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (CA)

I had an account with Target XXXX Bank Account XXXX and was charged off. They sold the account to XXXX XXXX Account XXXX and it 's reported as a collection account, this is a double reporting that is called double jeopardy, double damage to my credit report, I have been disputed this double reporting with other creditors and everybody else have removed XXXX of the accounts just Target and XXXX XXXX are really hard to deal with.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAINE & WEINER COMPANY, INC. (FL)

Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.
Consumer complaint received 2015-04-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MD)

PayPal limited my account and then closed it within XXXX hours without providing any documentation for why they are closing the account. They are also holding my funds ( {$1400.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).