davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MI)

Below is an email I just sent to Freedom Mortgage. My loan number is XXXX. I just received a letter from Freedom Mortgage that said my monthly payment is increasing from {$1100.00} to {$1400.00} in XX/XX/XXXX. The reason my mortgage payment is going up is these idiots believe that my city taxes for XXXX are going to be {$5200.00} ( {$2400.00} in XX/XX/XXXX, and {$2700.00} in XXXX XXXX ). I just spoke with the treasury office in XXXX, and my property taxes for XXXX are {$2900.00} and paid in XXXX XXXX only. Nothing is due in XXXX XXXX. I have a copy of my tax bill for XXXX and forwarded it to Freedom Mortgage. 

Please help, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX Hi, Please see attached city tax bill from the city of XXXX, Michigan. My XXXX XXXX escrow payment is increasing from {$400.00} to {$600.00}. This is increasing my monthly payment from {$1100.00} to {$1300.00}. 

From the Escrow Account Disclosure Statement, freedom mortgage is going to pay city taxes to XXXX on XXXX XXXX in the amount of {$2400.00} and in XXXX XXXX in the amount of {$2700.00} for a combined amount of {$5200.00} This is incorrect. My city taxes for XXXX for XXXX are {$2900.00}. Freedom Mortgage is overcharging my escrow tax account by {$2200.00}! 

This has been the second time Freedom Mortgage has been incorrect with tax information. First, my XXXX taxes were not paid until XXXX XXXX, and they were due in XXXX XXXX. 

This better be solved within the next week. I am filing a complaint with the Consumers Financial Protection Bureau. This is gross negligence. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Personal Statement I have been XXXX  for XXXX years from XXXX and I recently viewed my credit report and my personal information was used illegally without my consent nor my permission and my credit was used without my knowledge, This account ( XXXX ( Original Creditor : XXXX XXXX XXXX account XXXX XXXX, are fraudulent and must be deleted immediately and was did illegally and must be removed under 15 U.S. Code 16815-2 ( B ) of the ( FCRA ) fair credit reporting act and must be removed immediately this account is fraudulent and was made without my consent. my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. This account is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen My information has used it illegally to apply for a Phone account with XXXX XXXX that was later sent to a collection agency XXXX XXXX XXXX, this illegal account are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. This account are unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). This account XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, are unauthorized and fraudulent please remove this thank you.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: ADVANCE MORTGAGE & INVESTMENT (CO)

I have periodically received solicitations from this company and they have always looked too good to be true, but XXXX one I received on XXXX had a ridiculously low rate and APR that I knew could not be had. I called the company and stated I wanted to take advantage of this 3 % 30 year fixed rate on my home, my credit is excellent and value is there and he stated he could not do any better than the 3.75 % I had. I stated I wanted the rate on the letter and he said he could not do it.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (NJ)

XXXX Behavior by BMO Harris Bank I called BMO Harris bank to inquire about the requirement for opening a new checking account. During the call I mentioned that I was a XXXX and not a citizen and the BMO Harris agent said they do not open account for people who are not US citizens. When I said that their requirements online did not say so, he said they can add their own requirements and why do I need to open an account with them anyways? 

Later I checked online again and on finding no such requirement on their website, did an application online. I have to say that I regret that decision. Not only they have XXXX attitudes, they are the worst bank I have ever encountered and are set up to gouge customers on fees. I was told that I have 2 months to get set up and meet the requirements to avoid the monthly account maintenance fees. I met the requirements and by XX/XX/XXXX had more than {$1000.00} required to waive the monthly fee. But they went ahead and charged me the {$12.00} fee on XX/XX/XXXX anyway. When I called to inquire about that, they tried to bait me into opening a credit card with them. When I said no to that, they said there is nothing they can do about that. When I asked for a supervisor, they said there is no one available as they are all in meetings ( on a Sunday ) and someone will call me in 24 hours. No one called me in 24 hours, so I had to call them again and they again refused to do anything about the fees. 

I request that you put this complaint so that others can see how dishonest and corrupt their practices are.
Consumer complaint received 2016-04-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I have paid off my debt in full with CITI bank you has REMOVED this account # XXXX from my credit report completely. Now XXXX - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of citi bank who states NO SUCH account is in their system anymore! 

XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$18000.00}
Consumer complaint received 2015-12-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Genesis Credit Management, LLC (TN)

XXXX XXXX XXXX has refused to provide me with any documentation regarding the alleged debt or with any contact information for her company. I have asked for the debt to be validated every time we have spoke and she either ignores my request, states that " it has been to long now and she does n't have too '', or says that " They do n't have to provide me with information/validate the debt ''. Additionally, I have requested that the company to cease and desist contacting me. XXXX XXXX has ignored my request and continues to call. They claim the debt is from unpaid rental fees, and I do not owe it.
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (GA)

I have a loan through Freedom Mortgage - XXXX months ago I applied for HARP- I sent in all documents that Freedom request- XXXX weeks ago ( XXXX/XXXX/15 ) I found out via email that the loan had been closed on XX/XX/2015- no explanation given- XXXX days prior to receiving an email from the loan processor I was informed that I would have to pay {$130.00} at closing- if I agreed they would continue with the loan- I asked what the {$130.00} was for - no answer- I was dealing with XXXX XXXX with XXXX and the next thing I received was an email from the loan processor telling me that the loan was closed did not give me an explanation nor a date of when the loan was closed - sent emails and left messages - no response from XXXX. I request to speak to his manager- XXXX XXXX XXXX XXXX assured ( XXXX XXXX informed me the loan was closed on XX/XX/2015- had I not received a notice in the mail ) I informed him that I had not received a notice via US mail and if the loan was closed on XXXX/XXXX/15 why was I still receiving emails from the loan processor regarding payment of {$130.00} at closing and I was informed by the loan processor that the loan was not closed- XXXX XXXX assured me that he would find out what was going on- spoke with XXXX XXXX who tried to blame the closing on the loan on me stating that I had not sent in all required documents- tried to explain that I never received an request from XXXX XXXX or his XXXX loan processors I was dealing with- XXXX XXXX stated that I did not send in the name of the HOA or the amount I paid monthly- XXXX XXXX was informed from the first day that I did not have a HOA or paid dues- I received an email from XXXX XXXX on Monday XXXX/XXXX/15 asking if I had been informed of {$180.00} that was one of the issues with my HARP loan ( which was closed on XXXX/XXXX/15 ) - sent an email informing him I did not know anything about {$180.00} and what other issues - I have not received a phone call or a email from XXXX XXXX or Freedom Mortgage- the lack of response and keeping me hanging for XXXX ( nearly XXXX months ) without an explanation or an effort to move forward with a HARP modification loan. Freedom Mortgage does not take responsibility for their mistakes and lack of communications but now I feel I have been discriminated against. I would like Freedom Mortgage to answer my questions regarding all issues I have had with their company.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I have had my mortgage with Fifth Third bank for the past 5+ years since I purchased my home - the bank failed to disclose 1 ) by policy they will not re-assign the mortgage to another bank and 2 ) they recently are no longer authorized to originate loans in New York . 
As a consequence, now that I am trying to re-finance my mortgage, I have to pay mortgage tax AGAIN ( ~ {$7200.00} ) - by not disclosing their policy, I was completely un-aware that I would be effectively penalized for switching lenders. As I understand, it is extremely rare for a lender to refuse to assign a mortgage to another lender. The lender should have disclosed this at loan inception so that I would understand how costly a refinancing could be. 
Furthermore, while it would have been questionable/bad practice to keep borrowers stuck like that, since Fifth Third can no longer do business in New York, I have no choice but to pay more than $ 7K to switch lenders and lower my rate ( currently 5.25 %, well above market ). Fifth Third should have notified all New York borrowers of this change and offered an equitable option. 
With all of the required disclosures, it shocks me that this was not among them. 
I spoke with a loan officer at Fifth Third about this issue and he was rude and very unprofessional, insisting they 're not obligated to disclose this information and giving sarcastic responses. 
I feel disheartened that even as an educated professional I was un-knowingly and un-wittingly cornered into this situation and will be forced to pay more than $ 7k out of pocket to lower my rate. 
Fifth Third blatantly hid important information, it is a deceptive practice that deeply hurts the borrower.
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I went the College XXXX which was a For profit college which is now closed. I had to take out XXXX separate loans from XXXX for this school. 
This school made so many promises that we would have guaranteed jobs after the XXXX program was completed. Never did I find a job in the field. 
They gave me some bogus certificate that was n't even recognized with employers. n I even back then contacted the president of the college and express to him how bogus this program was and wanted resolution which he could not give. 
I contacted the FTC to file an complaint. No one ever contacted me about the matter from FTC. I 'm stuck with a loan that I can not afford to pay back and never was not able to get a job in the field that was promised. What steps am I able to take since this school is now closed and I 'm stuck with a loan that has been in forebearance and accumulating interest on XXXX different loans from this closed school. Ive contacted XXXX who is now navient about school closed and asking for loan forgiveness. They told me no loan forgiveness for me because I went to the school in the 1997. But the same illegal business practices and deceptive was going on. Back then we did not have the same resources of social media and agencies to help us as the generation of people do now. The FTC was the only main source back then. Please help or please give me resources to seek
Consumer complaint received 2016-01-07
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (MD)

I applied for a VA cashout refiance mortage loan from Freedom Mortgage on XXXX/XXXX/XXXX for my home in XXXX MD. Credit, Income, appraisal and all other paper work went through without any issues at first. In my area there is XXXX contamination in the ground water so the EPA installed carbon filters in all the houses in the area as a precaution. They check the water quarterly and also contracted the XXXX water company to also sample the water on a monthly basis. This was the process that was already in place when I purchased my home in XXXX. The appraisal report which Freedom mortage reviewed also indicated the water contamination as well the fact that construction would be complete in XXXX of XXXX to deliver city water from the nearby city of XXXX. The loan underwriter did not mention any issues from the appraisal report which he forwarded to me indicating that the house appraised above the amount that I requested. 

A requirement of the VA was to have a water sample done so I contacted the loan officer to let him know that I could provide the EPA and XXXX water test. He indicated on XXXX that they would not be able to do the loan specifically because the VA would not allow it due to the well water contamination. I told him that I purchased the house in XXXX which they knew form my application so why would the VA deny it. He said that I could cancel the loan and reply after the city water was connected to my house in XXXX. I told him that I would lose my {$450.00} paid to the appraiser and {$200.00} for the termite inspection. He said that they might be able to give me a discount when I applied again. At that time I did not know what to do and he said they would put the loan on hold. 

I emailed him later that day asking to speak to a supervisor and she told me the same thing that the best they could do was put my application on hold. I contacted the VA with my case # and was told by the VA Representative that is handling my loan that they did not put my loan on hold. I was also instructed to contact back Freedom Mortgage and explain to them to that VA only required to have the water tested and that they could the VA Representative directly. I left a voice mail message and sent an email. I missed a call back from a different phone number that my loan officer and when I called back it went straight to voicemail each time without a recorded message or name. My loan officer has not responded to voice or email in over a week. Please note that each time I did speak with someone the first thing they said was that the call is being recorded and that even though they said my loan is on hold status I have not received any paperwork stating such and no mention about my loan rate which was locked until XXXX/XXXX/XXXX.
Consumer complaint received 2016-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

RE : Wells Fargo Home Loans XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX Loan # XXXX TO WHOM IT MAY CONCERN : This serves as a Notice of Error as enacted by Consumer Financial Protection Bureau effective XX/XX/XXXX. 
We applied for a modification with our Servicer, Wells Fargo XX/XX/XXXX. We worked with a certified HUD Housing Counselor named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. We worked with XXXX XXXX to provide Wells Fargo with a hardship letter, and all our documents that provide evidence we have the income to support modification mortgage payments. 
Despite our eligibility for a modification, Wells Fargo denied our loan modification request. Wells Fargo sent us a letter, dated XX/XX/XXXX, that stated we were denied, but they failed to provide a reason for the denial, as specified in the CFPB Modification Rules : 1. ) Denial of a loan modification option : A servicer that denies a borrower for any loan modification option must provide a written notice to a borrower stating the basis for the servicer 's denial. 
2. ) Net Present Value ( NPV ) Test : If an NPV test is the basis for a denial, a servicer must provide the borrower the inputs used in the NPV test. 
3. ) Investor Requirements : If an investor requirement is the basis for a denial, a servicer must describe the investor requirements ( simply stating that an investor requirement exists is insufficient ). 
4. ) Waterfalls : Servicers may follow investor " waterfalls '' to determine eligibility for particular loss mitigation options but must explain the existence of the waterfall as the basis for the denial of any loan modification option. 
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal, and once again we did not receive a detailed reason for the denial, pursuant to the CFPB regulations. 
We are disappointed that Wells Fargo continues to violate the CFPB Servicer Modification Rules. 
This is our family home and we have the income to support reduced mortgage payments. Please provide us with the level of detail required pursuant to the Rules so that we can address any perceived deficiencies. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Collections-I, LLC (AZ)

While checking my credit report I noticed XXXX medical collections. I disputed these debts reported by XXXX for 1.XXXX 2.HEALTHCARE COLL I LLC. I never received any information about these alleged debts and despite disputing them with the credit reporting agencies they did not verify the accounts however they still remain on my credit report. I never received any notices to dispute by the collection agency.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I had a secured XXXX XXXX Credit Card with a credit line of {$200.00} for several years. Recently XXXX XXXX issued me a XXXX XXXX XXXX XXXX unsecured card with a credit line of {$500.00}. Since I received the unsecured card, I did n't think it was necessary for me XXXX have XXXX cards with the same company so I contacted XXXX XXXX to request them to close the secured account. The account was paid in full and they are sending me the balance that was left in the savings account that secured the original card. Immediately after I closed the secured account, my credit score dropped tremendously which I think is totally unfair. I am in the process of trying to qualify for a home loan and my credit score has been negatively impacted because I paid off an account and closed it to avoid having duplicate accounts with the same company. This practice seems totally unfair and consumers should not be penalized for choosing to pay off and close accounts.