davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Receivables Management Partners, LLC (IL)

Had A checking account that was compromised Called to cancel checks and they told me it would be a XXXX charge I agreed and they still let them clear with no money in bank account to cover them then charged an overdraft fee plus daily fee did not know that they had let them clear and that I even could overdraft over XXXX when my bank limit was XXXX if I went over XXXX then bank would cover it anything above that they do n't pay and send back this is not an accurate amount and do n't know where they came up with these amounts and I have requested copies of the origanl documents and still have not gotten a detailed bill.
Consumer complaint received 2017-01-15
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems (MD)

First of all, i havent received any money from this lender since the XXXX time I Borrowed {$300.00} around XXXX. Paid off loan to lender in two ocassions. The first time I set up a payment plan with them since the amount I owed them came up to be more than the amount I borrowed. I closed my bank account because I did n't want them having my account information. After a couple weeks I was still getting phone calls calling me again saying I owed them more money ; I ignored them. The Most recent pay was about 2 years ago. They harassed me by calling my cell phone and my house saying I owed $ XXXX, when I finally talked to them on XXXX XXXX, XXXX to try to see if they can lower the amount they lowered it to {$510.00} and paid it. They said it was taken care of and there would be no more calls. One week later the calls started again. They said I owed them another $ XXXX. I told them I just paid them last week that I was n't going to give them anymore money and hung up. Since then they 're still calling me from several different numbers. I checked my credit score a couple days ago and on there it shows a collection balance of {$870.00} from a lender I do not recognize and it says I took out the loan in XXXX XXXX, XXXX. THIS IS FALSE. I did not take any loans and I never received any money from them or anyone. I believe these people are renewing this payday loan making it look like I 'm getting this money. The bank account I used at the time and which they have on file is closed.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (ME)

My identity was stolen. I filed a complaint, police report, affidavit, etc. I contacted the original company, and the collection agency to resolve this debt. Both of them keep sending me to each other, and neither will help in resolving this issue. I have spoken to supervisors at each company and still get the same answer- contact the other company. I want this debt removed from my credit, as it was fraudulent. The collection agency even offered to settle for {$300.00}! I am not paying a dime to a company I never had an account with!
Consumer complaint received 2016-09-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

I currently have a second mortgage serviced by Shellpoint Mortgage Servicing. I began calling them on XXXX XXXX/XXXX/2016 regarding the XXXX/XXXX/2016 maturing or the loan. Since then I have talked to XXXX different individual on XXXX different occasions. They stated the only options were to pay the {$59000.00} balance or refinance. I informed them, I do not have the funds to pay off and wanted to refinance. They stated someone will call me back within 24 to 48 hrs. This call back was not returned and I had to call them multiple times with the same promise. After promising a call back 3 times, someone finally called me and state that they do not do refinances any longer. They dodged me for over a month and now tell me my only option it to pay in full. My first and second mortgage are greater than the value of my property which does not allow me to refinance with someone else. The only way to payoff is to take funds out of my XXXX which will be devastating with me being XXXX. Why do they state on the invoice they send me that if you can not pay at maturity to call them for options if there is only two options - payoff or default. This organization is at the least understaffed and undertrained to support their customers since they can not return calls or answer your questions when you call. At the most is deceptive in delaying answering thus placing the customer in a position that they can charge late fees and legal fees when a customer can not pay off the loan. Additionally, when you ask to speak to a supervisor, no one is available. It is impossible to speak to anyone above the first level customer service agent. It is amazing that the mortgage holder is unwilling to modify the maturity date to eliminate the potential of a default but it appears the servicer is more concerned it cost containment and doing the minimum service required than to reduce losses for the mortgage holder and service the customer. I have my home for sale but the market is not very good.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

We started the short sale with ShellPoint XX/XX/2016. On XX/XX/XXXX they did a drive-by valuation resulting in a value of XXXX. We then initiated a value dispute due to the documented damage to the property. We were told it would take 7 days to return a decision on that value dispute. It took 16 days to get them to tell us the results - they said this was " Due to an interior appraisal that was performed on XX/XX/XXXX ''. We were told that the " new interior appraisal '' returned a value of XXXX. When we were sent a copy of that " interior appraisal '' it turns out it was another exterior valuation only. They lied to us. -- -- -- Please see attached - it is circled in red. 

There are NO interior pictures from the appraiser. It is obvious he never entered the property. 

The square footage listed on the BPO is not remotely correct. The county records have the property listed at XXXX square feet. The appraiser listed the square footage at XXXX - see attached circled in red. 

No working furnace. The property is in the mountains where it is currently below freezing - and has been for some time. 

ShellPoint has outright refused to acknowledge verified real damage that would prevent any conventional buyer from obtaining a loan. 

We have brought these issues up to ShellPoint multiple times. Each time they ignore the factual evidence in this short sale.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. The unauthorized and fraudulent accounts and inquiries, do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NY)

i was scammed with a vehicle given fradulent XXXX that didnt belong to the car who was wrecked prior to my sale and repaired then was forced into this loan lost my job due to health issues and car was repossesed now they have offered me a settlement and i gave i but they refuse to update my credit file as its being reported unaccurately
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OK)

Experian will not allow me to dispute information in my credit file that is incorrect because they say they are unable to verify my identity but yet I was able to retrieve my credit report from them. I had previously filed a dispute with them and upon completing the investigation there were still errors on my credit file. However now they are saying they can not verify my identiy and I need to submit my request by mail. I disagree with that because I just got a copy of my Experian credit report and I should be able to submit my disputes on line as well. I have included proof of my current credit report and experians rejections of my disputes.
Consumer complaint received 2016-07-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meade & Associates, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that MEADE & ASSOC # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from my doctors office but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (CO)

In XXXX 2014 our loan was sold to XXXX XXXX out of XXXX, OK. Shortly after purchasing the home, we put in over XXXX of updates and remodel costs. I wrote to the company and was told that I had to have the loan for TWO YEARS before the PMI could be removed. It has now been two years and I am trying to request an appraisal so that I can meet the loan to value amount of XXXX % that the company requires. I just got off the phone with their customer service, and they have told me that they can not tell me the price of the appraisal ( even though I have to use an appraiser in their system ). I have to submit a letter requesting an appraisal, and then be bound to pay for it, without knowing how much it will cost me. I was told a supervisor can call me within 48 hours. It appears to me that the company is making it very difficult to remove the PMI and not disclosing appraisal rates. In addition, this year they paid my home insurance LATE out of the escrow account which created problems with my insurance company. My request is that I be given a cost for the appraisal before I request one from the company. I do not believe that their practice of requiring a commitment without knowing the cost is ethical.
Consumer complaint received 2016-12-30
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (CA)

This is in regards to case XXXX The loan was transferred to Ditech Financial LLC with acct number XXXX and even stated the property address that was involved which is XXXX. XXXX CA XXXX that was short sold in 2009. We are continually getting mails and phone calls from this company and I hope you can help us resolve this. Thank you
Consumer complaint received 2017-01-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

On XX/XX/2016, a banking institution took {$1300.00} out of my Bank of America checking account. They had no paperwork, signatures or any agreement with me. An individual that uses this institution ( Identified as XXXX XXXX ) was attempting to transfer money into my account but the transaction took money out. Whatever went wrong, no one appears to understand. I called Bank of America and expressed my alarm that an institution, completely unrelated to me and with no agreements in place could withdraw money from my checking account. The money was redeposited on XX/XX/XXXX. No correction to my interest was made and although I have called the bank on numerous occasions, there has been no explanation provided to me. 
This breach is serious but evidently Bank of America is doing nothing to correct the weakness in the system that allowed this to happen, they have ignored my pleas for an explanation and they have not reimbursed me for the loss in interest ( which occurred during the weeks that the money was missing from my account ).
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I had child support payments due from 25 years ago while I was in XXXX. While in XXXX my business went into bankruptcy. The state of XXXX worked with me on the payments but the state of XXXX did n't. I have been paying the state of XXXX XXXX a month for over 10 years now but they are still reporting a XXXX collection on my credit report. Its actually getting larger rather then smaller with each payment. No one will work with me when I communicate this to them and I do n't know where else to turn.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I will be XXXX next week and am the sole caregiver for my XXXX year-old husband who has XXXX. I had to retire from teaching 5 years before I wanted to in order to care for him. I have repeatedly sent in income documentation showing that we are living from month to month on low pensions, but get no help. I try to pay {$50.00} whenever I have any extra money left over. I know this is ruining my credit. I went back to school at age XXXX to get my teaching degree, and I had to choose a private college that offered night and weekend classes, which bumped my tuition up considerably. We have been through a bankruptcy ( 6 years ago ) because of my husband 's high medical bills, but could get no relief on student loan.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I was on a trial payment for my mortgage with Select Portfolio Servicing ( SPS ) with a payment that consumed over 70 % of my income. I made the payments under durress and borrowed funds. Although it was known I was unable to make the trial payments, I did and then received an offer of an even higher payment for a balloon loan. REALLY? 
If the mortgage holder, SPS, was aware that the payments were unreasonable for me, why would there be an increase and an offer for a balloon payment? I complained that the payments were too high, based on my income, but there was nothing done to establish a payment that was reasonable and affordable. I have lived there for over 20 years, although I now owe more than I did originally and no one can explain why this is. I love the location and have done all I can to hold on to this property. Therefore, I have since moved out and am currently looking for a tenant who can pay the mortgage that I am unable to pay. I will not accept a balloon payment or a higher payment. This is utterly ridiculous. 
ALSO, I just checked my credit score and the biggest blemish I have is from SPS for late payments. I was unemployed, received assistance from Illinois XXXX XXXX, unemployed again and then began working part-time. I made all efforts to pay, even borrowing money I have since been unable to pay back. Now my credit is ruined and I will never be able to buy another piece of property. 

SPS does nothing to work with those in need, ruins credit, offers payment plans that are disadvantageous to consumers and establishes situations that only force owners into forclosure. Consumer BEWARE. I sincerely hope you will look into their lending practices and how they pray on those with hardships.
Consumer complaint received 2017-01-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

In XXXX XXXX Bank filed a foreclosure notice to take my house as I went into default due to unemployment. After a number of attempts to short sell it & a job relocation, I had no choice but to file for bankruptcy in XX/XX/XXXX. In XX/XX/XXXX I was notified that Bayview Financial had bought the loan. Bayview has been sending me debt collection notices almost daily ( see attached ) and has called numerous times to " collect a debt. '' I have called them twice ( XX/XX/XXXX & XX/XX/XXXX ) to explain to them that the debt was discharged with my bankruptcy 2 years ago. The first time, XXXX informed me that I was still responsible for the debt despite the bankruptcy. The second time a friendlier woman told me that they had no record of my bankruptcy. This is beyond my comprehension as they clearly have information on every other aspect of my life. 

In the meantime, while I thought foreclosure was imminent & I would finally be able to rebuild my financial health, four years after the initial foreclosure filing the process now begins all over again. I have n't set foot in the house since XXXX. I 'm XXXX & apparently I will have this toxic asset on my credit report until I die.
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I am writing to you regarding my current mortgage with Ditech. My husband was laid off temporarily XX/XX/XXXX - they told us they did not have a program for his situation at the time to help us out. We fell behind and my husband went to work. I had hired a lawyer who had promised me the HAMP loan but after a couple of weeks he said we were not approved for that. He did a loan modification in which I was on a 3 way conversation with ditech rep XXXX and was promised the same rate I hade which was 3.75 % - 2 days later I received paperwork that said it was switched to 4 %. Ditech woull not take my calls until I released my lawyer - I did everything Ditech requested, I sent a certified later that was notarized and til as of date they will not return any of my phone calls I have left message after message to try and resolve my situation and no one will talk to me. I am now in foreclosure which I feel they did intentionally. I have XXXX children and I do not want to lose my house due to a company that intentionally does not answer certified mailings or phone calls. I would like help with this situation if you could please.
Consumer complaint received 2016-10-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CB1, Inc. (NJ)

This complaint is against CBM Collections ' collection claim, on behalf of XXXX XXXX XXXX in XXXX, as it appears in my credit report. 

XXXX collection claim is not valid, since it is demanding payment of monies I never committed myself to pay them. I was billed for almost double the amount I was quoted for a XXXX procedure. In 2014 I paid to XXXX XXXX XXXX slightly over {$300.00} for a XXXX. This amount of slightly over {$300.00} was what I was quoted for a XXXX procedure. I never contracted any responsibility to pay any extra amount XXXX may wish to receive. I did not receive any additional service to justify the difference between the amount I was billed for and the amount I was quoted. Therefore, I can not accept nor submit to such claim. 

XXXX XXXX XXXX excuses the discrepancy between the amount quoted and the amount billed, because they alerted the amount quoted had to be prepaid. According to them, that meant the amount quoted was only an initial payment, but the final amount due would be anything over the amount quoted. XXXX explains their quote does not provide any insight of what would be the final amount due. Instead, I have pointed out that what XXXX calls 'prepayment ' is actually generally referred as 'down payment '. It only takes to look up a dictionary to understand a 'prepayment ' is a payment that needs to be completed before services are rendered. 

If XXXX quote is only a statement of an initial, partial payment, but does not provide any insight of what will be the final amount due, then they need to say so. They need to clarify the quote is only a down payment, but the final amount due is undetermined. XXXX has a very obscure and deceiving way of conducting business : they quote a very low amount to get the client 's business, but then they bill you for a much higher amount. If the client does not submit, they ruin your credit rating. The mismatch between the terms 'prepayment ' and 'down payment ', is not accidental, but absolutely intentional. XXXX continues its practice of referring what is actually a 'down payment ' as a 'prepayment. 

When XXXX submits its collection claim in my credit report is making a statement I am not financially responsible and do not meet my financial commitments and responsibilities. They are alerting lenders and creditors, there is a risk I may not return the money I borrow or may not pay as promised. That statement is false. XXXX claim is false. Plain and simple : I never agreed to pay the amount XXXX claims I owe them. The truth is XXXX is actually trying to rip me off and is hurting my credit as a way to coerce me. 

Please, find attached my letter of grievance to XXXX.
Consumer complaint received 2017-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

The property management company of where I once lived sent my outstanding rent balance to collections. I now have a collection item on my credit report for {$5300.00}. 

The reason I stopped paying rent at this location -- and I disputed this in court -- was because the property management company refused to make the maintenance repairs that I requested, after countless complaints. The repairs needed began to affect mine and the other tenants ' quality of living, one tenant being a XXXX year-old child. 

I began the escrow process, and even after the judge and city code enforcememt ordered the property to make the repairs, they still did not. I was eventually evicted for non-payment. I was a model tenant and up until the time I stopped paying rent, I had paid my rent every month ON TIME and OVER the amount due. 

I am requesting to have this item removed from my report, as well as from the report of the other tenant who was on this lease, XXXX XXXX XXXX XXXX.