davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc (FL)

This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OK)

I recently applied to obtain my free credit report and I was told that I have already oreded one. That is untrue I have never ordered one for 2015. I suspect fraudulefraud on my account with ExperianI suspect someone made inquiries without my authorization
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX On XXXX/XXXX/XXXX we submitted our authorization to Carrington. We have requested a postponement of their upcoming foreclosure date of XXXX/XXXX/XXXX, as there will be an equity sale that will pay the investor IN FULL. Carrington currently has an opening bid of $ XXXX, which is well below the amount owed to the investor. 

Please see attached Carrington payoff demand, HUD, Offer, which show this will be an equity sale for Carrington has only had this loan since XX/XX/XXXX.Carrington immediately filed the NOTS on this loan, and has not once contacted the homeowner to discuss foreclosure options. Carrington has not once contacted the homeowner to attempt to do a loan modification. The previous servicer stopped taking payments from her XX/XX/XXXX. The previous servicer, XXXX XXXX XXXX, never attempted to do a workout with the homeowner. Carrington has not once ever contacted the homeowner or informed the homeowner of any Home Retention Options. It is likely that XXXX XXXX XXXX and Carrington BOTH have violated HBR and Federal Servicing guidelines, as neither lender has attempted to do any kind of workout. Carrington took over the file and a NOTS was immediately filed with no contact to the homeowner whatsoever. It is obvious there is FRAUD going on at Carrington, and possibly XXXX XXXX XXXX as well. 


Carrington is refusing to postpone the sale date to allow the equity sale to take place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels. 

1. Carrington forecloses on properties to that they may steal the homeowner 's equity in the property. 
2. Carrington forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. Carrington forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves I am sure Carrington is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help. 

It is my understanding that this is not the 1st time this exact complaint has been made to the CFPB. Carrington, in fact, has done this exact thing with many other homeowners. We would be happy to provide evidence of this upon the CFPB 's request.
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

We applied for a loan on XXXX XXXX 2015. They told us that we would be closing on XX/XX/XXXX. We sent all the requested info to XXXX XXXX at Carrington Mortgage on XX/XX/XXXX. He sent us an email on XX/XX/XXXX stating that it was not in underwriting like he said because he did not have info that we already sent. We resent this info and he emailed us again on XX/XX/XXXX stating more info was needed that was never told to us. We reached out to him daily and he told us they had all info as was in processing. As of XXXX XXXX he let us know they did not do paperwork correctly so they had to cancel original loan and restart the process. We resent everything on XX/XX/XXXX. He reached out to us on XX/XX/XXXX stating there was even more missing info. On XX/XX/XXXX he emailed us yet again with more missing info. We have asked him repeatedly if this is all and he states yes and it is being sent to underwriting. We received even more correspondence on XX/XX/XXXX and XX/XX/XXXX. At this time he stated we can close on Thursday XX/XX/XXXX but he had to have 3 days prior to sign the papers due to the right to cancel. It is XX/XX/XXXX and we were told they deleted our file when they were sending it to underwriting and we have to restart the process. Every time they restart the process our closing cost keeps going up but they do not state why the closing cost is going up. At this time we have not heRd when we are closing and they are not returning our call
Consumer complaint received 2016-01-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (NJ)

My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. 
When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. 
I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. 
I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. 
When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. 
Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.
Consumer complaint received 2015-12-31
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am a realtor. I have a buyer who is going to be left homeless and a XXXX year old seller who is not in good health. We had a contract with select portfolio services to close on XX/XX/XXXX. Because of the new trid guidelines and christmas we had to go beyond XX/XX/XXXX. Everything was done and ready to close and select portfolio was informed but has refused to settle. The loan came from XXXX. I do n't see how it is fair for big banks who got bailed out to basically spit in the face of the american public because the new trid regulations caused a delay. They are ruining XXXX peoples lives and ones health and are using a new government regulation to do it.
Consumer complaint received 2016-02-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (MD)

I took out an unsecured loan with Citibank back in 2008 and a year later, I was working part time and did n't have enough to pay each month. I called up Citibank and negotiated with them and they referred me to a department that put me on installment plans and it was paid off as agreed. I now received noticed from XXXX that that Citibank has resend this off to collection and once again destroyed my credit rating. This is not a valid collection and I would like CFPB to look into this.
Consumer complaint received 2015-06-03
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC. (CT)

The call started out half human half automated and it rambled on about it being XXXX services and stated that they needed to hear from me or my attorney by today and to refer to file # XXXX. The call came from XXXX. During the call it gave me the option to call back or speak to a representative by pressing XXXX. I elected to speak to a representative. A man named XXXX went on to state that I have an outstanding payday loan that was for {$2500.00} that I never paid back. He states that if I do n't pay they will have the sheriff serve me with documentation to appear in court either at my home or place of employment. I advised him that although he has some of my information not all of that information is mine. He became very nasty calling me a liar. I then advised him that I am not paying a debt that I do not owe and is not mine. I requested that he mail information from the original debt to me, he stated that I had already gotten this information years ago and ignored it. I then asked him to email it and he stated that they do n't send emails. He then gave banking information that I no longer have because I had an issue with payments being taken out for a company that I did n't know. He then told me that he has my SSN and that in the end I will have to pay up or go to jail. When I asked about being sent a noticed by his company due to being taken to court and that I never got it, he stated that it was my problem not his. I told him that I ca n't dispute a debt if I do n't have validation of the debt and I do n't have anything in writing.
Consumer complaint received 2015-09-18
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened an Amex Serve with my linked checking account. Several weeks later I funded with {$300.00} via checking and sent to a friend. A week or 2 later I loaded {$500.00} cash at a local XXXX which is advertised as instant funding method ( to get away from the 5 day hold my first funding method took ). Minutes after the money was available in my account they closed my account. They wo n't give me any info and said they do n't discuss closed accounts. They said my {$500.00} is going to the state of New Jersey where I live in 6 months.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

I attempted to change my address three times with Citibank. I wrote the change of address on the mail remittance. They cashed my check but did n't change my address causing me to get late fees. When I called them, they offered to credit some of them. It seems like a scam to get extra fees by not changing the address.
Consumer complaint received 2016-02-01
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX of 2015 my savings account at Citibank was hacked into. XXXX unauthorized withdrawals of {$500.00} and {$300.00} were made by unknown individual. The problem was reported to Citibank via the phone the next day. The bank declined liability for this and have not reimbursed me for this loss. According to the research I have done, they are responsible to reimburse me for my loss, but they are denying.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

Experian. I just do n't get them, maybe just " good enough '' is OK these days. 

1-The XXXX XXXX account, the last line, there was NO bankruptcy filing in XXXX of XXXX 2- XXXX account, we gave gone round and round, all they did was delete the XXXX history. Both XXXX and XXXX deleted this account, I sent that info last time to you. 
What is n't addressed : This account was paid through the court in my chapter XXXX and discharged. to report anything different is a violation. Either they sold the account and received funds ( it was actually sold to XXXX XXXX ), who also received a check from the Court. It was sold, when? how come it says {$7000.00} written off? They are in violation of court case : In re XXXX, Case No. XXXX ( XXXX XXXX XXXX/XXXX/XXXX ) ( XXXXXXXX., XXXX ) you ca n't report erroneous or false information. 

" If the Credit Union is going to report on this debt and the receipt and timeliness of payments ( and the Court is not suggesting that this is required ), then the claim as altered by the confirmed plan, rather than the original loan agreement, should form the basis for the report '' Also, they never miss an opportunity to offer a score for {$8.00} dollars, what a scam-see attached " Results Notice ''
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IA)

Collection Agency is attempting to collect a debt on a camera issued speeding violation that occurred on Interstate XXXX in XXXX XXXX, IA in XXXX of 2014, which the details of the violation are inconsistant with Chapters XXXX and Chapters XXXX code of Iowa XXXX the type of penalty ( criminal or civil ) for scheduled moving violations and who they are levied against ( owner or driver ) and the fine amount itself is not compliant with the scheduled fine structure outlined in Chapter XXXX Code of Iowa, contradicting state law and therefore is legally uncollectable. Iowa law states the driver of a motor vehicle commits a simple misdemeanor which is punishible by a scheduled fine including a surcharge, and sentenced by a sitting judge in a criminal court setting. The collection agency is treating this as a civil debt against me as the owner of the vehicle. Iowa state law does not provide any penalty whatsoever to the owner of a vehicle that is involved in a speeding violation, making this debt not legally collectable. Further more I have never been ordered to pay the amount due in any type of court ordered judgement, nor have I signed any contract nor agreed to be bound by any terms of the collection agency or the original creditor. The collection agency is illegally reporting this debt on my credit report in violation of the Fair credit reporting act ( permissible purpose ) and even attempting to collect the debt in the XXXX place is violation of the Fair Debt collection practices act by misrepresenting the legal status of a debt.
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

At approximately XXXX on XXXX/XXXX/XXXX I was contacted by phone at my residence by a man claiming that he was in the area representing a firm by the name of XXXX. The firm was sending him to serve me with sealed legal documents that would require my signature. He stated I was being sued by XXXX of their clients. When I told him that I have no idea what he 's speaking of or who would be wanting to sue me, he then gave me XXXX and case # XXXX and told me to call the firm and they could explain. When I called the number the rep told me this was in regards to an HSBC debt of {$1200.00}. A debt that I have disputed since XXXX and more recently in XXXX. When I explained to the rep that I have never received any notice in writing from their firm and that I still dispute the debt. I was then told I had to pay in full immediately or I would be served legal papers today taking me to court. When I refused I was then offered a settlement for the half the amount. When I refused I was then sent to another dept and offered some kind of payment arrangements. When I continued to dispute the debt I was told I would be served legal papers today or within the next few days and they would see me in court. Then the firm abruptly hung up on me.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Lenderfi, Inc. (OR)

LenderFi, Inc. created multiple delays in processing our loan documents, eventually necessitating a rate lock extension with a {$780.00} fee. At one point we were told that documents faxed in by our agent had mistakenly been sitting on someone 's desk for 3 weeks. In addition, the morning the appraisal was scheduled we received an email stating that we failed to qualify, and so we delayed the appraisal over a weekend, by which time they had reversed this position and we were able to have the appraisal immediately performed. 
LenderFi President XXXX XXXX told us that they would only pay half of the {$780.00} fee due to our role in delaying the appraisal, which we agreed to. He stated on XXXX ( via text message to our real estate agent ) that he was mailing a check for {$390.00}. We have yet to receive this check, and have been unable to contact him since.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (NJ)

M & T bank inherited my mortgage from XXXX on XXXX the time of the takeover, I had a modification agreement with XXXX to pay {$1600.00} per month.I was led to believe that this agreement continued with M & T and paid timely per month.On XXXX/XXXX/15 M & T sent a letter indicating that they were holding {$13000.00} of unapplied funds for me.This was later followed by another letter on XXXX/XXXX/15 indicating that {$15000.00} was past due.The letter further indicated that they were refusing my XXXX payment of {$1600.00} and stated that they were starting foreclosure proceedings.I have been making unsuccessful attempts ever since to resolve this matter with them.They have refused my payments and my house is schedule for a sheriff sale.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

We have AT & T Universal card for many years. My husband set up automatic withdraw account with them. We wanted to make sure the automatic withdraw account really worked. I called XXXX XXXX XXXX customer service and asked " Do we have an automatic withdraw account? ". The representative said " No, you do not have the automatic withdraw account. ". He send me the application form for automatic withdraw account. We mailed out a check {$1500.00} to them to pay for the bill. XXXX XXXX XXXX cleared the check onXX/XX/XXXX XXXX. They withdrawed {$1500.00} from my bank on XXXX XXXX. I called XXXX XXXX XXXX. They said I need to talked to my bank, XXXX XXXX. I talked to XXXX XXXX. They gave back {$1500.00} on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX presented my check {$1500.00} to XXXX XXXX again and cashed out the money. I was so mad and called them. Finally they returned the money.
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I have been contacted XXXX by Portfolio Recovery in within one month in XX/XX/XXXX concerning a debt they allege I owe to XXXX XXXX. Since I am a current XXXX XXXX Card hold I requested the address so that I may write Portfolio Recovery to request the verification of debt in writing. 
The XXXX person who called me gave me an address. I asked her how I should reference the account so that I would receive the correct information. She told me to reference XXXX XXXX in the letter. I mailed the letter, certified return receipt and was not provided a response. 
Another associate contacted me at XXXX on XX/XX/XXXX stating that she was attempting to collect a debt on behalf of XXXX XXXX. I explained to her that the previous associate was not very helpful and that I still had not received a verification of debt. She stated that a letter was sent to me in XX/XX/XXXX. I asked if it was sent to XXXX XXXX, NV, where I currently live. She stated yes. I explained I had not received the notice and I was questioning the validity of the debt. She argued that I did receive it. I asked repeatedly for her to resend the letter, and mail it requiring a signature so that there would be no misunderstanding about whether or not I received the letter. 
The young lady raised her voice and attempted to steer the conversation back to how I planned to pay the debt off. I was not going to discuss an account that I was unsure I owed, and I also needed to verify the statute of limitations of the collection, but explained to her that I would not do so telephonically, but with a written letter from Portfolio Recovery. The associate never gave me opportunity, reference number, or address where I could address my concerns, but continued to raise her voice. I terminated the call because I did not feel that it was productive and we were talking in circles.
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My wife 's debt is in collection, but they call me ( husband ). XXXX time they called I asked for a letter of verfication of debt. The person started explaining about how credit will affect buying a car or a house. I insisted on them sending me a verification of debt letter. They have our mailing address, but continue calling me. We have not received anything from them " Portfolio Recovery Associates ''
Consumer complaint received 2015-07-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NE)

this is second time i write about wells fargo business account other answer was ridiculous. and in no way resolved issue. i resent spending my time like this. 
i again got feed on my business accounts WHEN IN XX/XX/XXXX i opened it up promised 6 months no fees on businesss accounts. i am closing all accounts later this month. i am tire dof the mishap this is why the account is not funded and will not be since wells can not keep a promiseplease credit the fees asap and make sure it does not happen this month i am leaving this month i asked for one year i did not get it which is why its not funded GREED GREED