davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My loan account was transferred to another mortgage company in XXXX XXXX. I have been on a bi-weekly payment plan with my previous mortgage company since XXXX XXXX. I paid an extra month a year towards my principal through the bi-weekly plan for about 10 years. I made XXXX payments in two of the months during those years, which are XXXX bank drafts per year. This should have reduced my loan payoff date, ( maturity date ) from XXXX XXXX. I have occasionally checked with Citi-mortgage in regards to my loan payoff date. I was always told that it was XXXX XXXX because of my enrollment in the bi-weekly advantaged plan. When my loan was transfer to Carrington Mortgage, it was written on my statements that my maturity date is XXXX XXXX. My issues are with all the money that was applied to my principal since XXXX and adjustments made to the amount of interest that has been amortized. I also understood that the extra one-month payment a year would also reduce my interest that further reduces the loan payoff date, ( maturity date ). I have expressed concerns to the new mortgage holder regarding the loan payoff date, ( maturity date ) because of the way it is stated now I will be paying them more money than is actually owed. They are telling me that even though I am paying every XXXX rather than XXXX, it would not affect my maturity date. People enroll in these types of plans to reduce the time it takes to pay off their mortgage loans. During the transfer process, I received letters from both mortgage companies stating that nothing will change about my loan terms or conditions. That statement appears to be false. I feel I am about to be swindled out of a lot of money without a true loan payoff date, ( maturity date ) bases on accurate financial calculations of my bi-weekly plan payments since XXXX XXXX. I feel the new mortgage holders of my loan account should not have purchased my loan if they did not agree with the existing terms and conditions of the bi-weekly payment plan from the previous mortgage holder.
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-01-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

To whom it may concern. XXXX XXXX XXXX has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact FREDERICK J. HANNA & ASSOCIATES, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX & gt ;
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc. (MI)

The mother of my grandson, XXXX XXXX, rented a home from me at XXXX XXXX XXXX, XXXX XXXX Michigan from XXXX XXXX XXXX XXXX XXXX when she left suddenly and moved back to XXXX. During the time she rented, she apparently installed XXXX cable in the home, and put it in my name without my knowledge or permission. She had access to our home and personal information as the mother of my grandson and a " family member '' of sorts. When she left the home on XXXX XXXX, there was a bill with XXXX in the amount of {$440.00}. I was not aware of the bill until a subsequent tenant gave me a copy of the bill being sent to that home, in my name. I immediately called XXXX and was given the name of a collection company named XXXX that I was to contact. I completed a fraud packet with Convergent as well as a police report and I was told the bill was removed from my credit. Subsequently, XXXX engaged the services of another collection company named Credit Management. Once again I completed a fraud packet for credit management and attempted to have the debt cleared. I later learned that XXXX refused to remove the debt, and in order to close on my mortgage loan I was forced to pay XXXX {$440.00} on XXXX XXXX, XXXX. I did so under duress, because I needed to close on my mortgage loan, and do not understand why they did not acknowledge all the proof I had that this was not my account. I never lived in the home on XXXX XXXX, and I never requested cable and internet service to be placed in my name at that location.
Consumer complaint received 2016-07-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (ID)

I have a lease with US Bank XXXX, I moved to Idaho from Arizona, it took me 10 plus phone calls and 2 trips to mvd to finally get them to release the title to the state of Idaho. This process took over 2 mths. A month later my stmt shows a fee of {$25.00} for title transfer. I called US Bank, they read through my file and cust serv rep said since they put me thru so much of a hassle they would waive the fee. A mth goes by, my next stmt shows the fee again. Again I call same response, we are sorry we will waive the fee. Another mth goes by, fee still on my mthly stmt. I give up and wait until my lease is nearing term, I call again, now I get another cust serv rep mgr ( who I asked for ) I explain my situation, they said they can see all I went thru to get the title work transferred but the fee is legit since they did transfer the title to the state of Idaho. I told them they promised to waive the fee twice and it never got taken care of. Cust serv rep mgr told me they are not going to waive it unless I have a written stmt from them stating that they were going to waive it. This conversation escalated into myself getting very angry, the rep was rude and told me that they will never waive the fee now! I told her I will NOT pay it and they better not put anything negative on my credit report. I have a XXXX plus score with excellent credit, I should be a customer they want to retain but this is how they treat their sat paying customers? This is a scam ... ... ..
Consumer complaint received 2016-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (NC)

Peoples Finance XXXX SC has repeatedly called my home phone XXXX. My husband passed XX/XX/2016. XXXX. The collectors called me everyday sometimes XXXX times a day. I had to remove the phone from the room. The phone needed to be charged but I could not get it charged because of their calls starting at XXXX til XXXX. These people were named XXXX, XXXX and XXXX. They did follow me around town and stalked me in stores when my family was out and about. I knew it was them because the SC license plates. They called until my husband passed and had no sympathy when they called and I told them he passed. XXXX XXXX is working on some credit issues I have and I have already inform them as well. I wish they were more sympathetic because I owe them XXXX dollars.
Consumer complaint received 2015-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (AL)

I received two letters, of which I am aware, from the offices of credit management stating that I owe XXXX to XXXX XXXX . I live in Alabama and have never been a XXXX customer. The mail to address provided was XXXX XXXX XXXX XXXX, TX XXXX. 
I assumed the first letter was simply a scam as I have gotten scam debt collection letters before. When I got the second one I decided to take action.
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WV)

Loancare processed a payment that was sent by the Equity accelerator program directly towards my principal and not my monthly payment for XXXX 2016. On XXXX/XXXX/2016, I received notice that my payment was late. The statement was from XXXX/XXXX/2016 but I did not receive it until XXXX/XXXX/16. I never received any other correspondence regarding any late payments. I called immediately and spoke to a woman and explained that the payment on XXXX/XXXX/2016 was incorrectly applied. She said that it would be reversed. I am currently trying to close on my FHA streamline and we were supposed to close as of XXXX/XXXX/2016. My loan is currently showing late, and I have tried to speak with a supervisor or someone in a department to get this done today. The call center reps are rude and uncaring and refused to let me speak with their supervisor. This company has the worst customer service I have ever experienced in my life and they are currently interfering with my families livelihood because they will interrupt the FHA Streamline process and will make me late on a payment. I am completely appalled at the service they provide, especially when you can only speak with a rude call center rep who will not give you any information.
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

I thought my mortgage company was in the process of getting me a loan modification and I found out that my home had been forclosed. They never told me that my home was sold or anything. All they told me was to send in more paperwork for the loan modification. I still have n't received any information in the mail about my home bein sold. Loan modification was started in XX/XX/XXXX. Please help.
Consumer complaint received 2015-07-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (GA)

My loan payment, set by my private lender, is in excess if {$2000.00} per month. I, however, make just over {$3000.00} per month - post taxes and other withholding fees. After explaining my situation to my lender and trying to find pathways to reduce my payment to a financially feasible amount, the best they seem able to do is reduce my payment to just under {$1000.00}. 
I understand that my total loan amount with this lender is nearly {$200000.00}, but a more realistic payment would be attainable if my interest rates did not range from 7.25 to 10 %. I have continued to make " good faith payments '' to demonstrate that I am willing to pay and in no way attempting to blow off my responsibility, but being a that I only graduated XXXX months ago, it is virtually impossible for me to come-up with the type of money they are demanding. I would turn to my family and my cosigners, in particular, for more help, but the required repayment and subsequent repayment options offered by my lender still leave us desperately inadequate. 

I am currently seeking higher paying employment and ways to reduce my living expenses, but my options and professional growth as an XXXX are limited as a direct result of my crippling student loan debt.
Consumer complaint received 2015-03-25
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Go Capital Holdings, LLC (MS)

I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (SC)

XXXX XXXX XXXX gave my loan to Green Tree. I never received notification. Upon my XXXX payment due they said they did not receive it in the mail so I needed to pay it then with a convince fee of {$12.00}. For the next few years we have been bombarded with ugly messages and harassment. It is my understanding starting with XXXX my loan was not properly signed ... the same with XXXX XXXX XXXX ... XXXX XXXX of Greentree is an awful person ... .she has been very rude to us
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Lyons, Doughty & Veldhuis, PC (NJ)

Not only i did not receive a right to dispute, i have sent them thru a notice to verify debt which has been completely ignored. They are trying to get a Judgment and a levy on my account without submitting my requested information. I owe much less than they are requesting.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

It is impossible to get in contact with Aidvantage customer service. When I try to use the chat it always says, " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Why would the federal government send student loans to a company that refuses to hire enough staff to answer the questions of borrowers? Loans restart in 10 days, and I have no idea what is going on with my loan/my application for a new repayment plan. 

When you call, you are left on hold forever, with no estimate on where you are in line/how long the wait might be. This is also unacceptable.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Our mortgage was obtained by Green Tree LLC in good standing. On my first bill they immediately asserted that a payment already made to, and processed by, the previous servicer was late. I called them as soon as I received the bill to complain of the error and was told by a representative " not to worry '' and that " it was simply working it 's way through the slow computer system '' and he 'd " look into it. '' I called my pervious servicer and they readily sent me full documentation as prof that the payment in question had been made in full and transferred to Green Tree. However I continued receive late notices for the " missing '' payment and was then sent a notice of default by Green Tree that encouraged me to refinance. I called again and was told that now only a portion of the payment was missing and that " maybe my pervious servicer has simply forgotten to charge me for that portion '' ( again, I have documentation that the payment was made in full, and transferred in completely good standing ). 

I then sent a formal letter explaining that they had sent a notice of default in error and laid out the history of the account and it 's payments. I additionally sent the documentation from the former servicer that the payment in question had been paid and transferred in full. I contacted the first representative I had spoken with weeks ago to and got an address to send the letter to as well as a fax number. I sent that letter and documentation in hard copy to each Green Tree office that had been in contact with me. I sent it over their website with their internal messaging service. I faxed that letter along with the documentation from the former servicer and a statement from my bank showing the full deduction to a fax number given to me by the phone representative. 

For days I have called, left messages, and even had XXXX customer service rep send my account manager an email on my behalf, I have yet to reach or hear back from my account manager to acknowledge my formal complaint. 

I initially contacted Green Tree to orally notify them of their billing error 4 weeks ago, I was advised to do nothing. In that time they did not cease to seek payment ( they escalated to default ) and they clearly did not look into the very simple and well-documented case. With further investigation I found that the actions taken by Green Tree in regards to providing me with information on how to file a complaint, and in misrepresenting the charges to my account seem to be a common problem. Their actions seem to also be in direct violation of the court mandate in the case brought against Green Tree this year ( 2015 ) by the FTC and the CFPB ( Thinking of section XXXX. XXXX ). Green Tree 's handling of my account thus far demonstrates a continued negligence ( at best ).
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (PA)

XXXX XXXX I learned that I had a medical collections debt for my minor child from XXXX XXXX XXXX that was sent to a collection agency XXXX. In XXXX XXXX, I settled the debt with XXXX which i I have a receipt. In XXXX XXXX, another company by the name of XXXX XXXX showed up on my report attempting to collect this same debt. I disputed this collection and I received a letter from XXXX XXXX dated XXXX XXXX, XXXX stating that the account was closed and returned to the original creditor. It was also removed from my report. XXXX XXXX, XXXX the debt appears again under Commonwealth Financial Systems. I am in the process of buying of a home and this negative account continually reappearing on my credit report is affecting my score and causing me XXXX. Not to mention that XXXX, the agency who I settled with, was the only one who contacted me. The others have not, they just showed up on my report. I am very aware of the HIPPA Law and I am almost certain that what this company is doing violates the FCRA.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (CA)

I have a loaned of {$3000.00} on XXXX 2014, My balance never goes down I am late with my payment sometimes. All the payments its goes only in the interest because of being late and charged me XXXX a day. I almost paid about XXXX or more but my balance still {$2800.00}. If i do not pay on time my payment will only go on interest.. This is too much interest. The company is Consumer porfolio services of california. Its located at XXXX california. My name is XXXX XXXX XXXX, MY PHONE XXXX MY ACCOUNT NUMBER IS XXXX XXXX
Consumer complaint received 2023-10-09
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-07-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (OH)

XXXX is my original case number here. The creditor responded it would remove from my credit report I just received another copy of my report and it is still on there. This is not my debt. I was never made aware of this and XX/XX/XXXX it showed up as a collection on my report. I filed a dispute please reference the case number above and it was to be removed from my report. It was not.
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

I contacted this company regarding this debt and requested verification of the debt. I asked how was the amount calculated, the original creditor and the service, proof of the company license, and proof that this collection agency owns the debt and or assigned to the debt. 
Company failed to provide verification as of today and is currently reporting negative activity.
Consumer complaint received 2015-05-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

For XXXX months I have been trying to access my OneWest on-line account to make a payment. I was locked out of the account and OneWest will not assist with helping to re-set the passwords! I 've called, and made requests in writing, to no avail. I 'm now sending payments based on my recollection of what past payments have been, and am unable to view the account to see if those payments are over or under the amount due. My last payment of {$800.00} was sent on XXXX XXXX, which should have been more than enough to cover what was due. On XXXX XXXX I see a XXXX days past due ' come up on my credit report!! Unacceptable and to my detriment because of their poor customer service. What is my recourse and how do I get this OFF my credit report??
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK (CA)

I closed my bank account at Commerce Bank in XXXX 2014 - 9 months ago. ( they are a regional bank and i moved across the country XXXX miles from their nearest location ). I recently got a credit report and i noted that Commerce was reporting a 180 day past due balance. I am unable to log into an online portal to see my account balance because my account was closed 9 months ago.