davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

In summary, I was approved for a Deed in Lieu by both Nationstar and XXXX XXXX in XXXX, XX/XX/XXXX. The only item to be cleared was my second mortgage which had gone to collections and was taken over by XXXX XXXX XXXX. Working with Nationstar, XXXX XXXX and XXXX XXXX XXXX, they agreed to settle my account and release my lien upon receipt of payment of {$6000.00}. I was also approved for a Cash for Keys program in the amount of {$3000.00}. On XXXX XXXX, a check was cut out of my account and forward to XXXX XXXX XXXX. Nationstar DID NOT put any remittance advice with my check, and when XXXX XXXX called Nationstar and asked them the account the funds were for, THEY GAVE THEM THE WRONG ACCOUNT. ( Please see attached copy of the check, that IS NOT MY ACCOUNT INFORMATION. ) All Nationstar had to do was to request that XXXX XXXX Solutions Reapply the funds sent to my account. They never did!! For months, I went back and forth with the account representative that I was assigned, XXXX XXXX, who last told me via email on XXXX XXXX, " Good Morning XXXX, I apologize for the long delay, but I have not forgotten about you and have been diligently working on your case. We have provided all the informitao necessary to the second lienholder with explicit instructions on how to fix these items. I will follow up with them today and see where we are out. Thanks ''. 

I called XXXX XXXX XXXX, and my case worker there named XXXX XXXX who in turn told me they received nothing from Nationstar as far as instructions!! 

At this point, I am totally distraught. My situation is what it is due to nasty separation / divorce. I had to agree to a date to go back in my house for our settlement, remove all my items, hire a moving company that I paid close to {$1000.00} for, had to rent a storage unit that I paid way over {$200.00} a month for, threw away many valuable items as we had promised Nationstar that the house would be Vacant and in broom swept condition by XX/XX/XXXX. 

I have tried many many times to contact Nationstar. There are occasions that someone will respond, and then I get told that my situation is important, they take my matter seriously, even after I filed a complaint with the XXXX. On XX/XX/XXXX I received a phone call from customer service saying that once again be reviewed. I received a letter in the mail, again, stating that I will have a response by XX/XX/XXXX. It is now XX/XX/XXXX - I have heard nothing. This situation has caused me so much XXXX, I do n't understand how a company could treat any of their customers, the way they have treated me.
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (CO)

I have received repeated calls from a company claiming to be Alliant Capital Management. They have not disclosed what the debt pertains to, however have left voicemails stating there is a matter in their office under review. I am not stating I do not owe the debt, as I have gone through a divorce and am currently a single mother working XXXX jobs to fix previous monetary mistakes, however upon returning XXXX of the phone calls to the number given of XXXX with the case number of XXXX I was transferred to my case manager XXXX XXXX XXXX who would not identify himself. He became abrasive and stated that he was not going to tell me until I gave him my case number even though someone gave him this in the background and he used my name which came up from my caller id. He hung up on me after I asked again what company he was with. I called back and was given the company name and hung up on. I called again, gave the case number and was transferred to XXXX XXXX who immediately hung up. Called back and got the address. Upon XXXX XXXX I have mailed a formal cease and desist letter however this company has made threats regarding what type of action will be taken for failure to pay a debt. They have called repeatedly and it is in an attempt to harass and annoy. At this time I am looking to purse all of my rights under Colorado law for this unfair and poor treatment. After a reasonable Internet search and I am unclear as to whether the address given was even the correct address for this company so the letter sent may be represented as never received because of this. I was given the address by a gentlemen named XXXX XXXX.
Consumer complaint received 2016-03-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I just pulled my credit report and Hyundai Motor Financing has my payment listed as late over 30 days for XXXX 2015. I have documentation that shows that this is not true and has been continually paid. This is negatively impacting my credit report.
Consumer complaint received 2015-08-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WASHINGTON FEDERAL BANK (AZ)

After three attempts to refinance a balloon HELOC that comes due and payable in XXXX XXXX we have been denied any modification on our 2nd mortgage. We have attempted to ask for modification XXXX before and after an eminent bankruptcy in an attempt to keep our home. When starting a XXXX in XXXX XXXX it was recommended to us by an XXXX Bank that we should use the equity in our home as a XXXX loan in lieu of applying for an XXXX loan. The loan is written as a true balloon that comes due and payable in XXXX XXXX. It is our understanding that it is now illegal to write a balloon such as this. Through tough economical times we have lost our XXXX and are having difficulty paying the HELOC as a result. XXXX The XXXX always paid the HELOC ) Knowing we were faced with an eminent BK we first reached out to ask for a refi in XXXX XXXX with a different lender but were unable to be approved because WaFed was unable to release our credit rating to the repositories. WaFed had taken over the book of business after XXXX XXXX ( the original lender ) was taken over by the FDIC. By XXXX of XXXX, knowing BK was eminent, we applied for a modification with WaFed asking for help and fully disclosing the BK but were declined. We filed XXXX in XXXX XXXX. In XXXX XXXX, we once again contacted WaFed and asked if they would be able to help us modify our HELOC now that the BK would be discharged and released and were told that they would not be willing to work with us and that we should contact our attorney.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (AL)

Over the last 5 to 10 years I have XXXX credit cards that eventually were bought out by Synchrony Bank. I had one account that was closed that I have had open and current for over 5 years and the other for 1 year. Payments were to Rooms to Go, HH Gregg and Belk were always paid on time and or paid in full. The accounts were closed without my knowledge and without reasoning. Again I always make on time payments and due to this fact it hurting my credit score.
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC. (WI)

both XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX ; Midland funding LLc continue to send me letters to collect a 3rd party debt, after I wrote to them informing them that I do not deal with 3rd party debtors or their attorneys. XXXX XXXX keeps putting the address of the local courthouse on their communications, to imply some threat of legal action or debtors prison. attorney XXXX XXXX XXXX State bar # XXXX is the XXXX or XXXX lawyer from XXXX to contact me about the same issue.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America employee - XXXX " XXXX '' XXXX denied submitted hardships on request for loan modification. These documented significant current hardships were ignored per XXXX XXXX. He would not even look on the BofA portal where these hardships are date stamped. He stated according to BofA I had no hardship which is extremely confusing since these documented detailed multiple hardships were uploaded to the bank 's portal. XXXX XXXX repeatedly denied the existence of any hardships and stated repeatedly that no modification would be approved. Thess hardships were caused by seeking a modification for BofA. BofA sent confidential letters to the property where tenants mistakenly believed that this property would be foreclosed. BofA inspectors stopped by the propery also distribing tenants and implied foreclosure, tenants also asked and were granted early termination of their lease due to these false threats. This caused a significant income reduction for me and I asked for a loan modification with BofA due to a increased expense my XXXX loan was reset. There is massive confusion with BofA XXXX day my loan is denied and I am not allowed to appeal even though the underwriters missed the hardships. The NPV were missed calculated and note provided to me. BofA states I have no need for a modification however I have proven, detailed over and over date stamped by BofA I have several hardships. I have XXXX different areas of BofA calling me all of them state I am denied.
Consumer complaint received 2015-05-07
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: Diversified Consultants, Inc. (TN)

Diversified consultants has, on numerous occasions, contacted my minor child on HER phone regarding an XXXX XXXX XXXX bill that was past due ( and subsequently has been paid ). The XXXX time they called her ( during school ), I called them back and gave them my phone number ( STILL do n't know how they got her number ) and told them not to contact my minor child again and to remove her number. Since then, they have called her at least XXXX times. The bill has been paid and they 're still calling her.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The original debt of {$16000.00} # XXXX with original creditor XXXX currently held by collection agency " Portfolio Recovery Associates '' WITH XXXX ACCOUNT NUMBERS WITH THEM # XXXX & # XXXX for the THIS EXACT SAME DEBT is time barred meaning the California statue of limitations has more than exceeded ( over XXXX-years ) the time to collect and or sue for. The problem is also that this same debt When I called them up to tell them this that 's the first thing they tell me at the beginning of the phone call meaning that this debt has far exceeded the time to sue and is time barred however when I tell them " Portfolio Recovery Associates '' this they tell me they ca n't remove this from credit report as money still owed to them. I then proceeded to call XXXX credit reporting agency at ( XXXX ) XXXX directly and they did indeed tell me that this debt has been long last the ( XXXX ) year California time statue and is time barred and they immediately removed this from the XXXX credit report. I want to make sure though that they " Portfolio Recovery Associates '' also acknowledge that they HAVE XXXX ACCOUNT NUMBERS ( mentioned above ) that pertain to the same and ONLY DEBT OF {$16000.00} and that they will indeed remove these XXXX NEGATIVE AMOUNTS from NOT ONLY FROM THE XXXX CREDIT REPORTING AGENCY BUT TO ALL OTHER CREDIT REPORTING AGENCIES AS WELL. You can call and confirm with XXXX Credit Reporting Agency as well that this DEBT " Portfolio Recovery Associates '' is indeed time barred and last the California time statue of ( XXXX ) years. XXXX says they have removed this debt as of XXXX/XXXX/15 but want to confirm that BOTH ACCOUNT NUMBERS ( listed above ) FOR THE SAME DEBT ( {$16000.00} ) WITH THIS COLLECTION AGENCY " Portfolio Recovery Associates '' will be REMOVED and NOT JUST THE XXXX ACCOUNT NUMBER.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

Citibank has upped the interest rate to 27.9 % on my credit card. Despite several calls speaking to several people and despite extremely low market rate and despite the fact that we have been loyal customers for years, they still refuse to lower the rate. We understand that we have been late for more than a few days a time or XXXX but we have never not paid at least the minimum balance due. Many times making a payment more than the minimum balance. This interest rate is predatory for consumers.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX my Credit cards was compromised, taken over by an identity theif ... as well as my email was hacked. 
I contacted the CC and reported this. I also put an alert onto my credit through you. I recieved my credit report and see that you have the HACKERS address listed as mine. 
The Theif 's address is : XXXX New XXXX XXXX XXXXXXXX XXXX ( address ID # XXXX ) I have NEVER lived XXXX, nor do I have friends or family there. 
I have lived XXXX for the past 27 years, and XXXX where I own a home and have lived for over 10 years at the same address : XXXX XXXX XXXXXXXX. XXXX am NOT moving. 
Please remove the XXXX address from my report IMMEDIATELY as that is the identity theif, Not me. 
I just call the CC to see why I did nor recieve my new CC, they said the Hacker/Theif had gone in and changed my address and mothers maiden name AGAIN. 
Because you have the error address on my report, this theif may be able to get into all my accounts. 
I spent a whole day trying to fix this and calling all my accounts on XXXX, and the theif has already gone in again and changed my info. 
PLEASE help! I am no a wealthy person and can not afford to loose money or credit. Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (SC)

Equifax is not updating my report accurately, they report account status as 31-60 past due for account # XXXX for creditor New York and company, which is NOT accurate. I called creditor to dispute information and XXXX from New York and company credit made me aware that information was already updated to show PAYS agrees on XX/XX/2015. I pulled my report on XX/XX/2015 and it indeed showed Pays agrees on XX/XX/2015, confirmation number for that report is ; XXXX. I checked my credit report again on XX/XX/2015 and it was reinserted to show 31-60 past due which is NOT correct credit reporting. I spoke to a XXXX which is a supervisor at Equifax and I made her aware that I have a confirmation to show that on XX/XX/2015 creditor updated to show Pays agree and that this information needed to be corrected. I was then asked to repeat the same dispute again for the second time. I pay my bills and I am a hard working person I want to have a better life for my family and would appreciate some help. Thanks
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number. 
Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Fl. XXXX XXXXXXXXXXXX
Consumer complaint received 2015-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is an update on the original complaint cas number XXXX Received a letter on XXXX XXXX. From Bank of America dated XXXX/XXXX/2015 that my mortgage refinance has been denied due to insufficient property value. Now I was under the assumption that they B of A were reviewing my complaint of my appraisal not being done in a professional manner and that my request for a refund of the appraisal was still under review.. What this letter is telling me is they have no intention of reviewing or refunding my money as the appraisal is so way off base and it would not benifeit them from refinancing my loan. I see this as an unfair and devious practice when they initiated the loan via when they sent me a letter stating I may be elidgable for a lower Interest rate. 
XXXX XXXX
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Southwest Recovery Services, Inc. (TX)

XXXX 2014 I received a quote from an XXXX for some commercial work for XXXX. ( Their business name is " XXXX XXXX '' ) They did not complete any work, but sent me a bill for XXXX. They would never provide any documentation of signed work orders or anything to show they did the work they want money for. ( I had hired another XXXX that gave a better quote ) They sold my " bill '' of {$800.00} to Southwest Recovery Services and I have now received massive amounts of threatening phone calls to XXXX line. I have requested something in writing, they tell me I 'm stupid and do n't need it, I told them not to contact me at that number, they said they do n't have to listen to me and can do what they want, they said they will sue me, and then told my employees on the phone that I 'm a deadbeat that they need to quit because I do n't pay bills and wo n't pay their paychecks and I 'm a wanted criminal for this debt. My employees told her also to stop calling the business line and they hang up on them and call back to try and get someone else to answer. The harassment has been going on for months now and I ca n't take it anymore! Please help!!
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NJ)

I have received MANY phone calls by unknown numbers, often at early hours of the day. ( XXXX may be reasonable to lawmakers, but is ridiculous to me ). These come to both my home and cell numbers. Sometimes these calls can come XXXX times within a XXXX minute time-span. This is ridiculous and unacceptable, hence this complaint. Because I do not know the number, I have no reason to pick up. They should leave a voicemail message, identifying themselves and who they are calling for. This information is never provided. I answered XXXX of these calls from yet another unknown number ( this time at least a company name showed up on caller ID : XXXX XXXX ). The caller let me know this number was listed as an alternate number for my brother. Ok. That 's fine. I can take/deliver a message. Then the caller continued to say that they have been trying to reach him for a long time. I told the caller this is the XXXX message I have received. If a message is not left, this is the XXXX attempt to contact my brother at this number. Then I found out that this company is the one that has been calling and hanging up, with no voice mail message, which has been disruptive and harassing to me. This is NOT ok. 
The caller 's response was that they are not permitted to leave a message on voice mail, by law. 
1 ) if this is true, then the FTC needs to revise the law. I am sure this harassment is happening to other consumers, not just me. I am a law abiding consumer with great credit. I am willing to be the alternate contact for my brother and work with him to help find resolution, if that is what 's needed. However, the harassing phone calls are inexcusable!!! The credit collection company must be able to leave some kind of message. 
2 ) if this is not true and the company is allowed to leave a voice mail message, but instead instructs their employees to frequently dial numbers and hang up until someone picks up, then my complaint is against Central Credit Services. This practice is NOT ok. There must be some way to respect the people at the other end of the phone line ( including responsible consumers like me ) with basic information that does not give out confidential information. Perhaps a message stating " my name is XXXX from XXXX company. I am trying to reach so and so regarding a personal matter. Please call XXXX stating reference number XXXX. " There must be a way to protect responsible consumers, while still allowing the credit collection companies to function.
Consumer complaint received 2015-09-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

I refinanced my original mortgage once XXXX to get a lower interest rate, in that process XXXX loan separated a portion of the primary mortgage into a second mortgage, so instead of a 1st mortgage of {$110000.00}, I had a 1st mortgage of {$96000.00} and a second for {$18000.00}, the increase in amounts went towards paying the " closing '' fees of the refinance. 

When the housing crisis occurred, I was informed by my mortgage lender to cease making payments in order to qualify for home modification loan, since our house lost so much of its value. Unfortunately, that did n't happen ( was refused modification ) and I was left out to dry by HAMP, and ended up losing my home which was eventually foreclosed on in XXXX 2013 for {$88000.00} less than the entire mortgage of {$110000.00}. Since XXXX XXXX did n't inform me that I would lose the non-recourse status once they separated the XXXX loans, I learned during the foreclosure that I owed {$18000.00} on the second mortgage for a house I no longer own, and that just sold for {$24000.00}. 

I had to move out, find a new place to live, which was across the country, and had to struggle to regain lost wealth, etc ... Well my secondary mortgage from XXXX for {$18000.00} ended up being purchased by XXXX XXXX XXXX during the bailouts, and eventually ended up with the debt collection company Green Tree/XXXX 

I have offered to pay 10 % to settle, seeing everyone took a haircut due to the Housing Crash that I had zero to do with, and was instructed by my primary mortgage lender to stop making payments to qualify for HAMP, which landed me in eventual foreclosure. XXXX refuses to accept anything less than 50 % over the phone, I am just trying to settle for a reasonable amount of 20 % of the total due, which is {$18000.00}, in a XXXX lump sum payment. XXXX refuses and are unreasonable to not incorporate the facts of the situation when arriving at a solution on this debt. This refusal is costing me money in a lower credit score, and at second chance at being a homeowner once more - I am just trying to move on with my life.