davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I applied for a Home Loan Modification due to inflation and the fact that I have not received a Cost of Living Adjustment. My Lender indicated that, " Your current monthly housing expense, which includes the monthly principal and interest payment on your first lien mortgage loan plus property taxes, hazard insurance and homeowner 's dues is less than or equal to 31 % of your gross monthly income which we verified as {$3700.00}. Your housing expense must be greater than 31 % of your gross income to be eligible for a Home Affordable Modification. If you believe this verified income is incorrect, please contact us. '' I contacted Specialized Loan Services and was told by a representative named XXXX that they are allowed to increase my Gross income by 25 % which I do not make. After taxes, and other deductions, My Social Security income is {$1400.00} and my retirement income is {$1500.00}. The total is {$2900.00}. My Gross income is no where near {$3700.00}.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

I had asked Caliber Home Loans to be removed from e-statements and for them to mail me statements XX/XX/2016 because I would miss the e-statement emailed to me and accrued a late payment. They removed that late payment. Caliber Home Loans did not remove me from e-statements nor did they mail me a statement and I accrued another late payment penalty. I called again in XX/XX/XXXX requesting to be removed from e-statement and never receive a statement by mail. I called again in XX/XX/XXXX and explained how I have always paid in advance when I would receive my statement in the mail. Now this e-statement has messed up my payment history and wanted to receive statements by mail and asked to have my late fee waived. 
I have asked several times for it to be removed and Caliber Home Loans never did. My account shows me contacting them several times but with no response from Caliber Home Loans. I spoke to account representative and asked to speak with a manager. The account representative said that the manager was busy and would call me back. I have never received a call back from Caliber Home Loans. I asked for them to waive my late fee and they would not. I tried to pay my mortgage payment online but Caliber Home Loans would not allow me to make the mortgage payment without paying the late fee. So I mailed them a payment. Caliber Home Loans sent me a letter stating that my payment was posted to my suspense/unapplied funds account. What is that? How being late on two payments equal to a {$310.00} fee? Where in my mortgage does it state Caliber Home Loans can defer my mortgage payment to another account? How can Caliber Home Loans send me a letter but be negligent in sending me a statement in the mail?
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out to request the removal of a particular negative account from my credit report. Upon a thorough review of my credit report, I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC. (CA)

I returned XXXX items to Kay jewlers in the XXXX XXXX, CA mall on XXXX/XXXX/16. Sales person assured me that the money was instantly refunded. Card is still stating a balance of {$2700.00}. The balance owed should be {$0.00} since I no longer have the purchased items. {$0.00} in merchandise = {$0.00} owed. Please correct the {$2.00}, XXXX balance on my account to {$0.00} immediately, as I should no longer have a balance as all merchandise was returned. I called four different times and all four times the people on the phone assured me that they will send a ticket to the XXXX or it department and they will set the balance to {$0.00} since I returned all purchased merchandise.
Consumer complaint received 2016-11-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX, TX XXXX has been vacant for more than 12 months and has become a health and safety hazard for the community. The property is not well maintained and the HOA is not able to collected needed assessments from this property to help pay for services the HOA provides the community to help maintain property values.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened a bar in XXXX NC which was owned and operated by XXXX XXXX XXXX. The company bank account was with Banks of America as was my personal account. I took out a credit card with the bank for the company which was to cover any unauthorized overdraft facility with the companies bank account. 
The bar failed and the credit card had some {$3000.00} outstanding on it which the company could not pay. 
Bank of America accessed my personal account and deducted {$500.00} from it to set off against the credit card debt of the company. I have repeatedly advised the bank that I did not recall giving or signing any personal guarantee for the company credit card debt and asked the bank to forward to me a copy of the signed guarantee. 
This request has been put in writing on XXXX occasions over the past year yet the bank have to date not provided a copy. I have therefore requested repeatedly the return of my {$500.00} taken from my personal account and the bank have simply ignored me. I also asked them who I needed to contact to get this matter adjudicated and they did not respond. 

as I do not recall signing a personal guarantee for the company credit card and the bank are unable to provide me with a copy of that document I seek to recover my {$500.00}
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

To Whom  It May Con cern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reque st one. Before, t his never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (MD)

I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message. 

From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way. 

I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact. 

I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am being excessively and double charged for the transactions. A total of {$47.00}. XXXX transactions went through at XXXX, and funds were automatically added at XXXX as well. No charges should be applicable. Shame on Bank of America!
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IL)

I 've been paying on my loan for 4 years. I just got notice that Navient is raising my payment in order to keep me on my 10 year payoff schedule. I argue that I 've been given a payment and have paid it for 4 years now, and they 're just now discovering that the payment will not pay off the loan in the 10 years as statef and I 'll have to pay XXXX more a month to pay it off. Who is doing the math? Why am I responsible for their mistake? I think they should have to write it off, it is their mistake.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NE)

for starters, I went to XXXXXXXX XXXX XXXXXXXX and got a XXXX  XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was one thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on a road trip couldnt go over XXXX mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that Im aware and trying calling Im getting the run around
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (TN)

I am in the process of selling my home and have moved the closing date twice due to Ditech not having the title on my home. I have a little over XXXX acres and a doublewide and they are showing it as real property and have a deed of trust. The title company attempting to handle the purchase for the buyers and myself have attempted to speak with someone from Ditech since XXXX to explain the situation but they will not let us past customer service. They keep saying they will do a work order and send it in but when I call back as they will not return calls I am informed there is nothing they can do as they are not required to have a title. Here is the background. We purchased the doublewide and had it set up on property we also purchased and done the mortgage through XXXX who went out of business. XXXX XXXX XXXX took over the loans to my understanding. At a later date, Green Tree purchased my loan from XXXX XXXX XXXX and Green Tree later changed its name to Ditech. The title never exchanged hands from XXXX apparently as when I called XXXX XXXX XXXX they stated that they also showed the home as having a deed of trust as Ditech does. The XXXX company however has found an active title on file in the state of TN and it has XXXX listed as lienholder. I went to my local county clerk 's office and they were able to pull it up and show it to me with no problem so the title company is correct. Now the problem is, I 'm blocked from apparently selling my home because my current lender ( Ditech ) refuses to accept the fact that there is a title out there and all that is needed is for them to simply apply for and {$11.00} duplicate title!! Customer Service is not allowed to transfer calls to anyone we can explain this to that will understand what we are talking about. Even if I was to keep the home and pay it off I would not own it without the title!! I am about to loose the sell of my home over a senseless disrespect of customer service and {$11.00}. Please help ... Ditech is treating their customers wrong by not answering questions correcting, returning phone calls, nor assisting in matters that are their responsibilities.
Consumer complaint received 2016-10-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I allege that USAA Bank uses unethical business tactics to trap consumers in high interest rate home equity loans ( HELOC ), particularly taking advantage of those consumers who have been negatively impacted by the US real estate crisis. I have attempted to work with USAA in good faith to resolve my specific issue but the company has not remedied the situation. The particulars of this matter are as follows : 1 ) I opened a HELOC with USAA XX/XX/XXXX with a credit line of {$75000.00}. The HELOC product was a variable rate loan but had a hybrid feature which enabled consumers to " lock '' a portion of the loan balance into a fixed interest rate. I elected to lock a portion of my HELOC at a fixed rate ( approximately 7 % ) and also have a portion of the loan open at a variable rate ( 2.65 % ). 
2 ) XX/XX/XXXX, just over one year after the original application and underwriting of the HELOC, USAA informed me that they were immediately suspending the loan due to a drop in the market value of my home. 
3 ) Between XX/XX/XXXX and XX/XX/XXXX, interest rates declined to record lows ; however, I continued to service the fixed portion of the HELOC on time. Currently, the total outstanding HELOC balance is approximately {$46000.00}, of which {$25000.00} is variable rate and {$21000.00} is fixed rate. 
4 ) The account information for my HELOC displayed on USAA 's website ( refer to exhibit ), reflects a " credit limit '' of {$75000.00}, an outstanding balance of {$46000.00} ; but XXXX in available credit, which is confusing and deceptive to the consumer. 
5 ) XX/XX/XXXX, I contacted USAA about temporarily utilizing the indicated credit limit to convert the fixed portion of the HELOC to more favorable variable rate terms, which would lower my monthly payment and enable me to pay off the loan faster. This approach would not permanently increase the total outstanding loan balance or alter the risk exposure of the loan. 
5 ) USAA ordered an onsite appraisal on my primary residence which showed that the property is not underwater ( ie. appraised value exceeds sum of first mortgage plus HELOC ). However, USAA denied my request to convert the fixed portion of the loan to variable rate terms. 
4 ) I then requested USAA, a sophisticated full-service bank, to explore other potential solutions to modify the interest rate on the fixed portion of the loan ; however, I was repeatedly rebuffed and informed that the only option was to pay off the fixed portion of the loan in full, or voluntarily stop paying on the loan and hope to trigger a workout plan or modification ; however, that approach would damage my credit rating. 
As a result of these acts, I am left with the choice of remaining in a high interest HELOC or sacrificing my credit rating by refusing to pay the loan and hoping to trigger a rate adjustment modification. Clearly, this is not in the best interest of anyone.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NCB Management Services Inc. (AZ)

I bought a car XX/XX/XXXX. By XX/XX/XXXX same month. Car was totalled out. Insurance paid XXXX. In full. They even took XXXX from my service contract. In which I was suppose d to get all of that. They told insurance company car paid off. I have all insurance paperwork. It was never on my credit report until XX/XX/XXXX. 3 years later. They have turned collection over to ncb management services and they say I owe XXXX. Bull. They were paid in full. I do t owe anything.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted XXXX and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Mortgage agreed to a repayment plan since I had fallen behind because my husband had XXXX and we had gotten behind. Down payment of {$3000.00} on XXXX XXXX, 2016, and equal payments of {$1100.00} for 5 months. I paid XXXX and XXXX payments early, but I had to be late on XXXX and called them and they said that was fine. I made that payment XXXX XXXX, 2016. Then I stared receiving calls and ugly letters telling me first that I had not paid XXXX payment, then the next person said XXXX payment. I have been on the phone all day speaking with different people. They revoked the repayment agreement because I was late and have my money sitting there. Finally I spoke with a really nice guy who got them to reinstate the loan with my regular payment, but I have n't made the XXXX payment yet because they have taken part of what I sent and made it the XXXX regular payment, even though I sent them {$1100.00} for the XXXX payment and they will apply {$480.00} as soon as I send them {$170.00} to complete the XXXX payment, even though I sent the XXXX payment of {$1100.00}. The guy I spoke with today said it was noted I called, but they have the right to revoke if your even XXXX day late on a repayment option. I also received a notice this week that they are taking out insurance on my house. I have told them repeatedly that the escrow is to cover the taxes and insurance. Our loan was originally with Homeward Residential and it was in the paperwork. I have since lost my paperwork and Ocwen claims there is nothing about it.
Consumer complaint received 2016-10-20
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (KS)

Initiated money transfer of {$10000.00} from US to XXXX through Remitly ( Transfer No : XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX account by XXXX XXXX, 2016 XXXX PDT ( XXXX XXXX, 2016 XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. 
I had my plans & commitment in XXXX. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late. I want CFPB to intervene & compensate me for the delay. Remitly has offered {$5.00} reward for the delay which doesnt make any sense considering the transfer amount. Remitly will generate more income by keeping this amount.