davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (IL)

Just started working with Shellpoint Mortgage Servicing after being with XXXX for years. XXXX sold the mortgage. I am behind, I 've had many doctor/hospital bills and have been unemployed in the last 18 months. I am now employed but at a much lower salary. catching up is going to be hard but I can, I can also do a forbearance which just adds the 3 late payments to the end of the mortgage. this company sent me a hardship form saying I qualified, and then I get XXXX threatening notices with an intent to accelerate. I have no intention of letting my home go to foreclosure and find this just ridiculous. their on line reviews are terrible. 

It 's just a scam. 

I need assistance and will contact hud, will also contact my state AG 's office and will take all other avenues to protect myself and my home. 
Very disappointing and misleading company to work with.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I made a large lump some payment {$70000.00} to my loans after I had spoken to Navient customer service on 2 separate occasions to confirm what my monthly payments would be. Both time I was informed that after my {$70000.00} payment my monthly payment would be about {$260.00}. After the payment was processed, I was then informed that my payments would be almost {$300.00} a month. This $ XXXX difference is about {$10000.00} more over the life of the loan. I feel that I was given incorrect information on 2 separate occasions and now will be paying {$10000.00} more then I was told. I would have strongly reconsidered making this large payment if I had known the correct info.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Was requested for 2 month deferment on loan for XX/XX/XXXX & XX/XX/XXXX loan payment. I advised that had scheduled date to return to work on XXXX 2016. Due to nature of restrictions to return to work, I was unable to work to this date. I received a call XX/XX/XXXX from a gentleman advising that extension was approved, and that an extension letter was sent out. I requested for a the letter to emailed or faxed to see the terms & conditions immediately & he stated not to worry about it was mailed out.. In addition, I requested for months to add XXXX insurance & change my payment due dates because my current situation which is only temporary .. My car has been repossessed as of XX/XX/XXXX, they revoked the 2month extension, now requesting {$2700.00}, which includes 4 months of a payment 0f {$490.00}, {$240.00} late fees & {$530.00} repossession fees, re-registration of my car & $ 35 day in storAge.. An car is mandatory where I reside, especially to get to doctors appointments & place of employment .. I need my extension to be restored, along with Late fees & this repossession fee as long I agree to cover the payments for XX/XX/XXXX & XX/XX/XXXX .. In addition to changing my payment dates to the XXXX of the month.. I can find a way to stay on top of my payments & do what I need to do to ensure I will no longer default on the Loan..
Consumer complaint received 2016-11-10
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2016, I requested a wire transfer from my Bank of America account to XXXX hair cosmetics in the XXXX in the amount of {$330.00}. This was pursuant to trying to purchase products from this supplier online where my credit card would not go through so a XXXX representative emailed me and suggested I wire the money to them instead. The wire transfer was conducted at Bank of America, in XXXX, VA ( XXXX XXXX XXXX, XXXX, VA XXXX ). I then emailed the XXXX ( XXXX ) on XX/XX/2016 to inquire with respect to whether they had received the funds and they denied receiving the funds. I then went to Bank of America and Bank of America stated that the funds had been withdrawn by the XXXX financial institution on XX/XX/2016 and they gave me a copy of the transaction, to include the transaction reference number and the amount that the XXXX had withdrawn from my account. I contacted the XXXX via email on XX/XX/2016 with a copy of the bank documents verifying that the XXXX and their financial institution had taken the funds from my account. I asked for my money back and indicated that I had since purchased the products elsewhere due to their lack of responsiveness. The XXXX never wrote me back, they kept my funds from the wire transfer, and they never provided me with either the product or my money back. Please advise. Additionally, I have all supporting documentation on this. Thank you and please let me know what next steps entail. Thanks again.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Franklin Collection Service, Inc. (IN)

Franklin Collection Service , Inc. hereinafter referred to as ( " FCS '' ) did not provide me with a Debt Validation Letter and subsequently placed their unauthorized and impermissible collection account on my credit bureau record ( XXXX, XXXX and XXXX ). I have requested for a Debt Validation Letter from FCS to no avail. FCS is in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I respectfully request for the CFPB to instigate an inquiry into FCS accordingly.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account XXXX you start from 2022 OR after the merger in XXXX. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from 2022 and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and XXXX  has failed to update ANY information as legally required under FCRA.
Consumer complaint received 2016-07-24
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IL)

I have received more than 70 calls from Wells Fargo since XXXX XXXX they call on Sunday through Saturday all hours of the day it is very annoying and interrupting. I do understand that i am late on my house payment but this is in clear violation of FDCPA regulation please see FDCPA 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. If needed I can send my phone bill as a supporting document to show how many times this happens in one day 7 days a week
Consumer complaint received 2016-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (CA)

Nelnet, who services my loan, contacted a reference I had listed regarding my address. The company has my phone and email address. I do not understand why a reference would be contacted to confirm my address. I contacted the company and asked them to not contact my references again given that they already had a way to reach me. Nelnet 's contacting of a reference has caused me significant personal embarrassment. I send a payment to Nelnet every month. I am very upset and concerned about the company 's behavior in this matter.
Consumer complaint received 2016-12-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (UT)

I received a letter from Bayview in XXXX stating that I had successfully completed my loan modification program. It detailed that Bayview would be reviewing my monthly payment, interest, escrow and principle amounts and adjust my account accordingly. Then I would be contacted once this process was completed. 

I am unsure what happened internally in regards to closing my loan modification. As I have not received any additional notification from Bayview. My account is currently showing 3 months past due and I am receiving letters from Bayview about financial assistance. I recently received a letter stating that I have been assigned to a specialized team to assist in bringing my loan back on track. 

It stated that I need to contact them for assistance. I have attempted contact 15 or more times. An automated system states that their office is closed. However, I am calling during business hours. 

My loan is not off track ... My payments have been drafted via EFT from my account each month. I have spoken with several associates and supervisors, in an attempt to remedy this issue. I have been told that tasks and requests have been opened to ensure my outstanding payments are applied. 

Bayview is currently holding {$2200.00} in suspense. I have notified Bayview by phone, their online portal and email. I have requested a copy of my payment history and note in an attempt to facilitate a review and correction. In addition, I have notified them that I would file this complaint if these issues are n't resolved. 

In addition to the payment issues. I have requested that my name be updated as I was married in XXXX. I have uploaded the required documents directly to their website as well as emailed them. An associate did confirm that this documentation has been received, my name has still not been corrected. 

I am unsure how to proceed at this point, as there has been no resolution and all numbers I have tried to call have produced a automated response that the office is closed.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (NY)

I have contacted Resident Collect on several occasions asking for them to present me with a contract that states that I owe them money or that I am legally obligated to pay Resident Collect. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have no such agreement. Once again RESIDENT COLLECT HAS NO AGREEMENT WITH ME STATING THAT I OWE THEM MONEY. They are illegally listing entries on my credit reports. This item must be returned to the original creditor. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-07-25
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: New Century Financial Services, Inc. (NJ)

XX/XX/XXXX the debt collection agency Century Financial Services through their law firm XXXX XXXX XXXX obtained a judgment against me for credit card debt I defaulted on. Since then and at least on four occasion they offered me settlements that I never answered to. On XXXX XXXX, XXXX then sent me an information subpoena that I answered to because they were saying that I might be arrested if I did not reply. Later on after they got my answer they called me on my cell telling me that they did not have XXXX but XXXX judgments for a total of more than XXXX. To avoid to get myself in trouble I told them that I did not know what they were talking about and ask them to send me all information by mail. Rather than sending me the requested information on XXXX/XXXX/XXXX they notified me that they were applying for a wage execution order at the XXXX, XXXX County Court. 
The reason of my complaint is that I know Century Financial Services buys defaulted accounts from credit card companies in bulk for pennies to the dollar, then inflates the debts with various service charges before attempting collection from people like me. 
I do not understand why Century Financial and XXXX XXXX XXXX engage in such activities while your organization has ordered them to stop on XX/XX/XXXX.
Consumer complaint received 2016-07-25
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I filed case number XXXX - XXXX on XXXX/XXXX/16. The outcome was timely, HOWEVER, because HSBC purposely took 5+ mo on a task they stated would take " UP TO '' 90 days, my buyer backed out & no longer wants my property, in addition I now owe my lawyer over {$1600.00} in fee 's & also almost {$6000.00} in taxes & maintenance fee 's ( that my lawyer pd on my behalf ) but only because my buyer had agreed to pay them in addition to my asking price. This sale was not lost because of an oversight 15+ yrs ago, it was a direct result of HSBC 's negligence, to handle my request in a timely manner as they had indicated.
Consumer complaint received 2024-11-13
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX5 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (VA)

I have been trying to work out a loan modification with Caliber Home Loans since XX/XX/XXXX. Each time I have submitted the paperwork they 've asked for, they say they need only certain additional documents for a complete package. Each time as I have submitted what they request, they say to check back the following week, and then they have either come up with a different list or say they have n't received something that has been sent multiple times. At one point, my first Housing Counselor said she sent a certain item 3 times to them. They have given a list of items one day and two days later when they have what they asked for they give a different list, all the while pushing back and stalling the timeline of review so that I am now in danger of foreclosure. 
They are now in the process of DUAL TRACKING ... Caliber refuses to take the foreclosure sale date off my house, even though they finally conceded on XXXX XXXX that they have a complete loan modification document package to review. One representative told my housing counselor they would take it off in a few days after processing. Another, 2 days later, told her they will not remove the sale date as they believe they 'll finish reviewing and make a decision before the sale date. This makes it sound like they are really intending to go through with the sale, even though they say they 're reviewing now. I am no lawyer, but I doubt that the actions of Caliber Home Loans constitutes Truth in Lending, as I have caught them lying to my Housing Counselor.
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is the note holder on my home loan ; XXXX is suppose to be modification status, Recently I was served notice of a foreclosure hearing for XX/XX/2016 I made several attempts to notify my BOA consumer affair agent : XXXX XXXX Manger : XXXX XXXX XXXX XXXX XXXX being I received a letter requesting additional documents etcXXXX. I notified HUD being that my loan FHA they transferred me to BOA ESCALATION DEPT. several times to no avail I filled out all requested paper work, However no one has contacted me regarding the matter. This has been very XXXX!!! Leads me to believe this is nothing but a ploy to add late fees monthly until they foreclose on my home ending in damaged credit.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a Citigold checking account over the phone on XXXX XXXX, 2015. At that time, I asked the Citigold representative to put a promotion offer code I received in mail in the system before he submitted my application. The promotion code is " XXXX ''. With that code and my existing Citi XXXX credit card, the Citigold representative confirmed that I would be receiving XXXX miles for opening this Citigold account as long as I spend at least {$1000.00} with my Citigold debit card and make XXXX consecutive bill payments using the Citigold checking account. 

I then fulfilled the spending and bill payment requirements using this account. After that, I contacted Citigold customer service again on XXXX XXXX to check when I would be getting XXXX XXXX miles. The representative checked the details of my account and told me all of the requirements had been met and the promotion XXXX would be deposited to my XXXX account no later than 90 days. She also confirmed my XXXX XXXX account number. With the confirmation, I was expecting that the XXXX XXXX will be available in my XXXX account by the end of XXXX. 

However, I still have n't received anything for the promotion offer so far. I contacted Citigold customer service at the end of XXXX and they said they would set up a case for me to investigate the issue. So the case was set up on XXXX XXXX and they told the case would be resolved by XXXX XXXX. But I have n't received any response from Citi since then. 

This is totally not acceptable and I 'm very disappointed with Citi. Therefore, I 'm submitting a complaint here to request Citi to give me the XXXX XXXX, as said by the mail offer originally.
Consumer complaint received 2016-09-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

I paid the XXXX the amount of {$270.00} on XXXX/XXXX/2016 and I have the online receipt. FIRST FEDERAL CREDIT CONTROL reported an open collection on XXXX/XXXX/2016 for the amount of {$230.00} for XXXX. They called me several times and I told them that I have paid. I do have the receipt number and a PDF copy. The payment also appears in my bank statements.
Consumer complaint received 2016-06-14
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC (CA)

XXXX XXXX XXXX is soliciting mortgage loans when she is not authorized to represent anyone. She is on XXXX stating delivering gifts to realtors, soliciting for mortgage loans and talking about Envoy Mortgage. She is also on XXXX soliciting business and even has a XXXX XXXX - Envoy Mortgage page.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.