davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing now in wish to obtain your help. Currently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and I am submitting this in order to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Consumer complaint received 2018-03-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am active duty XXXX and while in boot camp was given forms to fill out for a checking, savings, and certificate of deposit ( easy-start certificate ) from Navy Federal Credit Union. I was not aware until after that I also signed to apply for a XXXX XXXX credit card and an XXXX XXXX Checking Line of Credit ( XXXXCLOC ). On this pay cycle, I made my transfers on my online banking, knowing I was getting paid that night. Per my meeting with a financial counselor, when my transfers posted, the Navy Fed systems didn't think I had enough money so it moved funds from my XXXXCLOC to checking, and then put my paycheck to full pay the XXXXCLOC, with the extra funds going to my checking. The problem is that I never knew I had the XXXXCLOC until this happened, and I don't want my entire paychecks going to pay something I didn't want to begin with.
Consumer complaint received 2017-04-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Chaplain Financial Services LLC (ND)

On  X/XX/17    at  XXXX  CST I received a call from (  XXXX  )  XXXX , a number which originated in  XXXX   XXXX  , FL  according t o caller ID. Upon answering, I heard a message saying the call was from " Chaplain Financial Services '', and this message was intended solely for Me, and if I was the named party, I should press  1.  I did as instructed and was greeted by a female who identified herself as "  XXXX   XXXX  ''  ( o r  XXXX   ).   XXXX   XXXX  informed me she was calling from " Chaplain Associates '' and that her client was in the process of filing "  XXXX  allegations and  XXXX  complaint '' against me with my  local county c ourthouse, and that they were just calling to get a statement from me. She then asked " so, you did n't pay back the loan, right? Why did n't you pay it back? Did you lose your job? '' - It should be noted that at no point did  XXXX   XXXX  inform me that this was an attempt to collect a debt, and any information gathered would be used for that purpose- I informed  XXXX   XXXX  that I did not wish to make any statement on my own, but rather if they needed a statement that I would allow my attorney to make a statement on my behalf. She asked me to repeat what I had said, so I did, and then she said " well we just need a statement in order for these  XXXX  allegations and  XXXX  complaint to be filed against you with your local court ''. I asked  XXXX   XXXX  what she meant by "  XXXX  allegations and a complaint '' and she said " it means our client is attempting to have you charged with Theft by Taking and Passing Bad Checks. I asked  XXXX   XXXX  if she was familiar with the Fair Debt Collections Practices Act, specifically Subsec tion 807 whic h says The following conduct is a violation of this section  : ( 4 ) th e representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person ... as well a s ( 5 ) :  The threat to take any action that can not legally be taken or that is not intended to be taken, and that an individual can not be charged with " Theft by Taking '' for the alleged nonpayment of a debt. She replied " no one is saying you 'll be arrested, just that we 're trying to have you charged. But you seem really on point with all this, so we 'll go ahead and move forward with filing this with you r local county reco rder, and you better get legal representation ''. I replied " well thank you for the legal advice, you seem to be an attorney '' at which time she hung up on me.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

In 2010 I had a bank account that was closed out due to INSF funds, under the amount of {$500.00}. This account was charged off and sold to a collections company called XXXX XXXX XXXX. A woman by the name of XXXX XXXX using the phone number XXXX XXXX XXXX when she contact my workplace multiple times as well as a relative who she told several details of the account to. She told me that I have less than a week to come up with a balance higher than the money owed to the bank, or I would be served and prosecuted for felony bank fraud and have my workplace contacted and my wages garnished. She stated that she represented US Bank as the client who was suing me, but failed on multiple requests to provide me with proof of debt or her own identity.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I have had a history of complaints regarding this organization ( Bayview Loan Servicing ). I am currently in court because I filed and OSC/TRO against them due to their illegal attempts to add escrow account to by cooperative loans, and change my monthly payments to include the escrows. If you take notice of previous complaints ( XXXX, XXXX, XXXX ) there is a pattern of this mortgage servicer not providing complete information. They drag out the process by making me re-request the same information and then do not answer the points of concern, or send incomplete or incorrect responses. A ) In the beginning of this year I demanded that they send me the name and contact information of the owner of the cooperative loans I have with them. One XX/XX/XXXX they provided me with just a bank name and address. They stated the bank that owned the loan ( s ) was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by certified mail and they re-directed me to Bayview. I then called the phone number on the XXXX XXXX and called XXXX XXXX ( research analyst XXXX XXXX ). She informed me that the information provided by BLS is incorrect and that XXXX is the master servicer. She went on to tell me that XXXX XXXX is in fact the owner trustee of the loan ( s ). She further informed me that she reached out to BLS to tell them that they provided incorrect information to me and that they needed to resolve this. To date I have not received the name, and contact information of the true owner of my loans. B ) Next BLS is depicting my accounts as escrow balance accounts when these accounts are not escrow accounts. C ) BLS is reporting incorrectly to CRA 's by balance of accounts, and was reporting late payments incorrectly. I owe less than {$1000.00} on one account and less than {$1300.00} on the other ( XXXX, and XXXX ). They both will be paid off by XX/XX/XXXX and XX/XX/XXXX respectively. They are reporting that I owe over XXXX per unit to the CRA 's. D ) BLS is not sending me my invoices per month for XXXX to date, and may be planning on not sending me my invoice for XXXX next without explanation. E ) They still have not provided me with proof positive ( source documents ( check, or otherwise ) ) depicting the payoff of XXXX in XX/XX/XXXX as previously requested. I sent BLS the below email to all the key persons and to their attorneys. My understanding is that they must respond within 10 days. It was sent on XX/XX/XXXX. It is now XX/XX/XXXX, and this request was initially made back in XX/XX/XXXX when they gave incorrect information.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, National Association (TX)

NYCB clearly believes it 's mortgage servicing " policies '' are above Federal Laws.
In the case of a Decedent - NYCB literally, put in WRITING, in a reply back to my first complaint filed with the CFPB : They " had told me already that they do not accept delegations '' from a United States Court Appointed Personal Representative regarding loan information. So sorry, but - what?? The Legal, court appointed, stand in for a XXXX person has no delegation rights over a mortgage loan with NYCB? On what planet would this be considered legal? Let alone Humanly Decent? To make this stance even more deplorable, it is a FALSE statement. They did NOT tell me that they did not accept a Personal Representative 's delegations, AND I WAS able to speak to an NYCB representative regarding this loan account with the Personal Representative 's permission and transfer over the phone. So which is it? They DO accept delegations, or they DO N'T? Was the phone transfer not a delegation? I 'm confused, are you? NYCB blatantly made these statements, back to a CFPB complaint, in writing! . Additionally, NYCB has already very clearly violated at least 5 Federal Laws, and then had the audacity to completely skirt their violations, and make additional irrelevant, as well as more false and misleading statements in their reply back to my first CFPB Complaint. Do not trust this Mortgage Servicer to provide information that is anywhere in the vicinity of the truth. They violate Federal Laws with abandon, and clearly have no respect for the US Legal System, or human beings. If that 's not enough, they will flat out lie. Oh, yes, AND NYCB will attempt to, or get away with, illegally taking your real estate - while doing it.
Consumer complaint received 2017-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I purchased my home, in XXXX XXXX, CA, on XX/XX/XXXX, with a loan from XXXX XXXX XXXX XXXX. My monthly mortgage payment ( including Insurance and property taxes ) was a little over {$2600.00}. I was informed that XXXX XXXX had taken over the mortgage and that their Mortgage Administrators would be XXXX XXXX XXXX XXXX XXXX. After 6 months of paying the mortgage I was contacted by XXXX and was told that I would be able to re-finance with them and would be able to lower my monthly payments ( lower interest rate ) and would cost me nothing as there would be no costs involved. Being somewhat skeptical, I asked what was in this for XXXX? and was told that I had likely been inundated with offers to re-finance with other companies because the 6 months was up and it showed a good payment history. That was correct ; I had been inundated with these offers. I was told by the Rep from XXXX that basically what was in it for XXXX was that they would be retaining me as a customer, and that is the reason why they would be able to lower the interest rate and therefore the overall mortgage. I re-financed with XXXX and my monthly loan amount was reduced to a little over {$2200.00} a month. XXXX, then transferred my loan to Loan Care, LLC and I started paying them my monthly mortgage on XX/XX/XXXX. In XX/XX/XXXX, Loan Care informed me that there wasnt enough money in the Escrow account to pay the PMI, insurance and taxes and that my mortgage would need to increase by {$400.00} a month to {$2600.00} as of XX/XX/XXXX. This confused me as, I remembered that there was over {$4000.00} in the Escrow account when I refinanced through XXXX and when I asked what would happen to that money I was told it would roll-over to the Escrow for the new Mortgage. Clearly this did not happen. On XX/XX/XXXX, I received a check from XXXX for {$290.00} and was told in the letter that this was the remainder left after the mortgage was paid off. This confused me even more. I called Loan Care, LLC and asked about the increase to the mortgage and was informed that the reason it increased was because property taxes had gone up in XXXX County. I called the XXXX County Assessors Office and they said my taxes had only gone up by less than 2 % ( {$100.00} approximately for the year ). Again this did not make sense. I feel like have been a victim of some elaborate mortgage transfer scheme whereby I have been conned into believing that my mortgage would be reduced through interest % reduction, only to have the payments upped after the mortgage was transferred to another company. This, to me, is totally unacceptable and unethical, and I would like you to investigate this matter on my behalf, if possible.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that Transunion XXXX XXXX  will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TN)

I called to settle the account for my husband on XX/XX/XXXX,due to a balance discovered from our relator agency. Not once did we receive a letter of validation regarding this account. I called to settle the account to proceed with our mortgage loan. Today is XX/XX/XXXX and my ach information has not yet been processed for payment. I spoke to XXXX XXXX and she requested I give her another form of payment. I requested the information on to why my payment had not processed. I explained I do not want to be charged twice for a transaction that has not cleared I need to know the details. I left two messages for XXXX XXXX and still have not received a call. It does not take 10 full business days for an account to be charged with an ACH debit.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As a married couple we own real estate of over XXXX Million in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My identity has been compromised or stolen. I filed a police report and notified XXXX, Equifax and XXXX XXXX. I feel that they are not taking the matter very seriously at all.
Consumer complaint received 2017-06-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

In XXXX XXXX, I withdrew from school because of the death of my then fiancee to XXXX. I was struggling financially from his death and I was left with no financial support from his estate. I was attending XXXX XXXX and I spoke to them about the issue and then informed me I owed money to the school because they returned the funding back to my loan company and to the VA ( Veteran 's Administration ) through my voc rehab program. I explained to the school I could only pay {$50.00} a month back making good faith to pay back the money. The school refused to take my money and was very rude and told me " should pay my bills ''. I tried over the 2 year period to speak with someone that would listing and help me through debt. I finally got back on my feet financially in XXXX XXXX and again reached out to the school about the debt. I was told that I could make payments to the school directly through the portal. I made my first payment in XXXX XXXX of {$270.00}, the school accepted the payment. I was then rudely told I could not work an agreement with them and I needed to contact ConServe. I contacted them and again after being spoken to in a very threatening and rude tone, I called back and spoke with a supervisor. We worked out a payment plan of {$200.00} a month, I have even made additional payments since that point to bring down the balance, however now they have put this on my credit report, runined my credit score and are n't even reporting the amount correct stating I owe over {$3800.00} which is not true. I just need help, I have filed a complaint against this company Conserve with the BBB and still have no resolution. Please help!
Consumer complaint received 2017-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

The Texas Higher Education Coordinating Board currently services two of my loans. They have, for years, made it difficult to make payments in the following ways : Not accepting XXXX debit cards. Not having auto pay functionality. Using various external vendors to process payments. Multiple dead ends on phone tree, most recently on XXXX/XXXX/XXXX. They have also utilized lax and dangerous privacy policies : Until XXXX, the social security number was the login and date of birth was the password. My main concern is the lack of auto pay functionality and XXXX acceptance. In the current environment the only reason for either is, 1 ) Deciding not to incur the expense of setting up such a system, which is unlikely given the numerous vendors able to implement this. 2 ) Indirectly causing late payments or forcing payment through processes in which they collect fees, both of these in an effort to increase ancillary fee revenue. THECB, as recently as XXXX XXXX, has acknowledged the lack of the usability of both its website and customer service functions, but has done nothing to improve either. It plans in XXXX to spend $ XXXX on compensation servicing approx. $ XXXX worth of loans using XXXX FTE, an unfathomably poor efficiency ratio and a model of government employees enriching themselves at the expense of the tax base and their customers.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a married couple we own real estate of over XXXX XXXX in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX