davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

In XXXX 2015, I vacated XXXX in XXXX, Georgia. I thought I could work virtually in XXXX, GA where many family members reside. However, with the re-organization of the Department of Veterans Affairs, management advised that it would be best to work in Michigan. Rather than place my 20 year Government career in jeopardy, I returned to Michigan. 

I provided XXXX with the requisite 60 day notice of my impending move back to Michigan. I also requested if they could extend the change of duty clause they have for military personnel to U.S. Government workers. This clause allows for the military personnel to leave the lease early if they have a change of duty. The Manager at XXXX XXXX initially told me that Yes the clause covers U.S. Government workers. 

Just a few days before my move in XXXX 2015, I received notification from XXXX XXXX XXXX Tenant Relations, XXXX managing office, that only military are allowed to leave the lease early! As such, they said I owed {$2200.00}. 

To make matters worse, XXXX has added my {$200.00} security deposit to the debt in lieu of deducting it! I have asked for a payment plan for a reduced amount based upon the circumstances and removal of this collection from my credit report. Yet, XXXX referred me to their Collections Agent, IQ Data International. IQ Data International has referred me back to XXXX for any type of Payment Plan! In the meantime, my credit is ruined by this collection and I can not purchase a home. XXXX has also added interest charges and damages to the amount owed. There were no damages to the property. This is clearly an attempt to ruin my credit and falsify records!
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC (NY)

cavalry portfolio services continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XX/XX/XXXX and they were listed as a creditor on XXXX of the bankruptcy petition filed XX/XX/XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (RI)

Thanks to CFPB I was able to secure a HAMP agreement with Nationstar last month and have successfully initiated payments under this agreement. However, I have repeated received certified notices, emails and messages that my mortgage is default and my home may foreclosed on. I do not trust Nationstar primarily because their systems do not appear to accurately reflect the status of my HAMP agreement. I have gotten repeated calls to contact Nationstar about the status of my mortgage which appears to be in direct contradiction of my HAMP agreement. I have pointed this out to Nationstar and they have proceeded to send me foreclosure threats event though the terms of my HAMP agreement do not permit the firm from foreclosing on my home while I go through the trial period. Nationstar has verbally told me that as long as I pay the mortgage within the month it is due there will be no penalty but I get different stories from different people and do not feel as though I have been told the complete truth about how the HAMP agreement works nor have I received explanatory documentation that details my HAMP agreement. I am concerned that Nationstar is attempting to foreclose because I have significant equity in the home and have not yet sold my house which is on the market. I would like more assurance from Nationstar, in writing, and clear documentation of the terms and agreements in the HAMP trial period.
Consumer complaint received 2015-09-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar took XXXX as part of my last loan modification agreement and held it in an escrow account. I paid the remainder of my XXXX house payment of XXXX plus dollars and the amount added up to the total XXXX house payment. NationStar never advised me that the XXXX was going to be held in an escrow account and they refuse to use these monies for my house payment. XXXX persons I had spoken with during the month of XXXX noted to me that these monies would go to my house payment. I called them again today, XXXX XXXX, 2015 and was told these monies have been denied to go to my payment. I can not have mark on my credit file due to their dishonestly. They are stated they have the XXXX in a suspense account and the remainder of the house payment is in an escrow account because " they did n't know where else to put it ''. The loan modification process is also awful. Their customer service is awful and they have many persons in their customer service that refuse to give direct phone numbers to a manager. It took me over XXXX hour on the phone to speak with someone in another department and he spent another XXXX hour with me on the phone. At the end, he said I need to call back to their " loss mitigation department '' I know NationStar received federal $ $ for assisting with the housing crisis. I completely understand why a class action lawsuit was filed against them.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and Equifax are required by law to remove & block any item or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and Equifax feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2015-04-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XX/XX/2014 I was approved for a FHA XXXX modification and a KEEP YOUR HOME CALIFORNIA REISTATEMENT GRANT. I was sent a copy of the approval, monthly payments that I would be making, interest of 43/4 and was waiting to receive the loan docs. On XX/XX/2014 I had already made two trial payments and was informed by the loan servicer that my loan docs were sent to me by mail, I also received a phone message that my KYHC file was being closed because my loan servicer had opted out of giving me a loan modification because I had not provided them a document that had been requested and I no longer had a loan modification. I contacted my loan servicer and was assured that I no document was missing and my loan modification was secure and that KYHC had opted out and would not be offering any financial assistance to reinstate my loan. I tried to explain to KYHC that I did have a loan modification but KYHC refused to contact my loan servicer and sent me an email that when I start making more money I could reapply for assistance. This information was false, once my loan modification docs are signed KYHC will not offer a home owner assistance. I recently filed a complaint against KEEP YOUR HOME CALIFORNIA with the California XXXX and again I questioned my loan servicer who still maintains that they did not opt out of accepting financial assistance.. KEEP YOUR HOME CALIFORNIA addressed my claim but the story has changed slightly. They maintain that an opt-out document was received from my sevicer and that an opt out can be decided for no reason or any reason. I want to also state in my claim that my loan servicer treated me just as bad. A {$35000.00} balloon payment was never stated or was addressed when I received the preliminary approval for the FHA HAMP loan .I wanted the fees explained and asked why this was never mentioned. My loan servicer refuse to discuss the balloon payment or itemize the amount I was being charged. A debt counsler that I had been assigned to called my loan servicer and a three way conversation was held. The request again was made to itemize the {$35000.00} and the servicer agreed. I was then told that the late payments added up to {$22000.00} which I already knew and that the rest were fees. I got nothing. I than received a letter from my loan servicer that due to my inquiry an adjusted fee was discovered and now my balloon would be {$37000.00}. New loan docs were mailed to be signed and notarized again. Also, soon after my first mortgage payment I was informed that my new payment would now be {$79.00} more due to a rise in taxes. My loan servicer decided the value of my home would jump from {$140000.00} to {$190000.00} and was well aware that my taxes had been hiked. So you see I have been treated very bad and both of these agency are pointing the finger at each other.
Consumer complaint received 2016-01-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

After my Loan was purchased from Nation-star they preceded to say that I needed flood insurance however I am not I provided survey. Two months go by and collection calls come in after many phone hours trying to get to the bottom of this they needed a Map Addendum which I then provided. Another 2 months go by no adjustment to the records. Charging me late charges and reporting to credit bureau that Im late on payments when I still continued to pay my monthly mortgage on time. Finally after numerous calls the insurance is fixed and removed from my loan. Now they are saying that I am behind a payment. How is that when I provided all the documents to show actually an extra payment is in. They continue to send people out to take pictures of my home and charge fees to me even tho i have told them I occupy the property. The credit bureau reporting in accurate information is very concerning as I cant refinance or get the pmi off of my loan as it looks like i am behind and i am not. I have plenty of documentation, emails and voice messages to substantiate my claims. I have spent countless hours on the phone thru emails etc and nothing has helped. I am a single mother and my home is important to myself and my children this situation is very sad. I 've seen Nation star foreclose on properties because of the same lack of communication. Please Advise Thank You
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax is reporting duplicate accounts on my credit file. XXXX XXXX XXXX and XXXX XXXX XXXX  ; XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect the same accounts and reporting on my credit file duplicates.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (LA)

This is an amendment to claim # XXXX that was submitted on XX/XX/XXXX. In that complaint there were XXXX issues that were of concern regarding the servicing of the my mortgage loan and of the unauthorized disbursements of premiums and taxes. On XX/XX/XXXX I received a call from XXXX, who previously identified herself as a manager in the escrows department in a conversation of XX/XX/XXXX. During that conversation she acknowledged Nationstar was receipt of the documented proof of flood coverage, but the flood line had not been removed as promised.She said there were notes in the files of previous calls regarding these issues and the promises made to resolve them going back months. She informed me that based on our conversation on XX/XX/XXXX and the documents I provided she has removed the flood escrows line but has refused to remove the tax escrows line from my mortgage although she found that I had the escrows shortage in the amount of {$400.00} XX/XX/XXXX but the tax escrows line was not removed as promised. The 2 reasons for the denial of the tax escrows I was told was that ( 1 ) the loan was delinquent ( 2 ) the taxes were late. I believe Nationstar is acting punitively by taking such a hard stance on one of their policies regarding non escrows accounts. The delinquency was caused when Nationstar made the error in increasing my payments. It remained delinquent because Nationstar was negligent in the servicing of the account. Nationstar did not resolve the issue in a timely manner even after showing proof that they were in error. Finally, Nationstar has never provided anything regarding the implementing of an escrows on account that were originated as non-escrows accounts. I agree my XX/XX/XXXX taxes were not paid until XXXX. They were delinquent for 6 months and I had every intent on paying them but Nationstar had already disbursed payment. 

It is customary for " any creditor or company '' to issue a late notice when payments are late. The city of XXXX XXXX did issue send a such a letter. However, the property was not in imminent danger of being sold for a {$360.00} tax bill and Nationstar, being a major lender in home mortgages and serving industry is well aware of the time lines associated with tax sales. 
By taking such a punitive stance it appears Nationstar, who is a leader in the mortgage and GSE servicing industries, is saying it is ok for a major company to to make egregious errors, display poor customer service, and to make adverse decisions without quick resolutions, but the consumer in non exempt and must adhere to all the rules and regulations regardless to whom erred. I believe this has been the a very poor display of customer serivce and of servicing.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We signed a Home Affordable Modification Agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX. The agreement included {$130000.00} in deferred principal, to be forgiven in XXXX installments - specifically on XXXX XXXX XXXX, XXXX and XXXX ( anniversary dates ). Each installment should have been for XXXX of the total, and we should have received a XXXX in XXXX, XXXX and XXXX for the corresponding amounts. 

The loan was subsequently transferred to Nationstar Mortgage on or about XXXX XXXX, XXXX. Nationstar failed to provide a XXXX for XXXX, and XXXX the amount of the deferred principal on the XXXX provided for tax year XXXX. This constitutes a breach of the agreement XXXX XXXX XXXX, page XXXX ). I have contacted Nationstar MULTIPLE times and their answer is that the XXXX XXXX reflects XXXX of the deferred principal balance. Whilst the figure is XXXX of the total - it was to be forgiven in XXXX portions in year XXXX, XXXX and XXXX. In XXXX, I am subject to taxes on principal reduction in the state of California, whereas I am not subject to taxes on that amount for XXXX. By providing ONLY the XXXX XXXX for XXXX the actual amount of principal reduction, I will be required to pay taxes on XXXX the agreed upon amount from the HAMP document. By lumping together the 2 years forgiveness in violation of the agreement, Nationstar has exposed me to additional tax liability in the state of California. I need either a corrected XXXX that ONLY reflects the XXXX forgiveness portion AS AGREED in the documentation or compensation for the additional California State Taxes I will be subjected to because of the breach of the HAMP agreement by Nationstar.
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc. (NY)

Creditor has twice reported me delinquent on XXXX separate accounts with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. i have received no validation notice proving this debt before they reported this debt negatively to the credit bureaus. This is a violation FACTA and the Fair Credit Reporting Act because they are have provided inaccurate information regarding a debt I have no knowledge and despite my two attempts to contact them regarding this debt.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Hello. I live in an " XXXX '' rated XXXX area as designated by XXXX. Therefore I require Flood Insurance. My house has a replacement value of {$160000.00} and I owe less than {$130000.00} on the house. My mortgage with NationalStar Mortgage was satisfied with my policy of {$180000.00} as this was more than both the amount I owed the bank and also was more than my replacement value. Then more than two years into the loan I received a letter saying I was not in compliance. I called NS and shared the requirements as stated on their letter to prove that I was in compliance. The issue went away for about seven months. Then I received a letter in which they changed the requirements whereby I had to meet one of two criteria 1 ) match the amount of my homeowners policy or 2 ) carry {$250000.00} ( the max under XXXX rules ). I disagreed by way of numerous calls. NationStar then took out an expensive supplemental policy for me to bridge what they say is a gap. This has created a real hardship as it has pushed our monthly to a place where we are exhausting our savings. I want to know if this is legal or simply unethical. True that I can refinance with someone else, but not without expense and an expense that I should not be subjected to if not for the predatory ways of this lender.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX XXXX XXXX
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WA)

The following is related to U.S. Bank. On XXXX/XXXX/2015 I used my checking account-linked debit card to make several purchases. I made these purchases knowing that my checking account was low on funds. I monitored my account throughout the day, frequently checking the balance. I was diligent about not overdrawing the account. At the end of the day, a {$25.00} automatic monthly transfer was made to my savings account even though these funds did not exist. US Bank manipulated the payment processing order so that the {$25.00} automatic transfer was the FIRST payment processed on XXXX, thus a guaranteed overdraft charge. Several days later I was notified of a {$36.00} overdraft fee via mail. Additionally, I was charged a {$25.00} extended overdraft fee, meaning the account was overdrawn for a five day period. I contacted my home branch to explain why the charges were unfair and the branch manager said she could only remove the {$25.00} extended fee. I told her that I would be banking with a different institution so she changed her mind and said she would remove the original {$36.00} fee in an effort to " help me out '' but not the {$25.00} extended fee that was a result of the original fee. 
All of these events occurred despite the fact that I am " opted out '' of overdrafts. This option, however, does n't apply if the charge is a recurring monthly charge for gym memberships, XXXX, etc. The charge that put me into overdraft was conveniently my $ 8 monthly XXXX subscription that went through on the same day. I called XXXX to see what time the charge went through on XXXX. It went through at XXXX XXXX. US Bank manipulated the payment processing order so that the automatic recurring XXXX payment was the payment that went through when there were not enough funds to cover it. 
U.S. Bank 's manipulative payment processing resulted in my account being overdrawn by around {$4.00}, leading to {$61.00} in fees.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have disputed this several times and have not received any assistance. I have spoken I I have spoken to several managers and they have admitted SPS is working on getting an updated system in order for customers to delete or change account info online. There is no way to determine whether or not payment is being submitted under the correct acct # due to system only showing last several numbers. Although they are aware of the issue they refuse to update my credit report in spite of THEIR negligence to the system in in place. I would appreciate if these late payments are removed from my c credit report
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar has Re-acquired my loan from XXXX. 
Current issue they charged me corporate fees for XXXX to transfer my loan. I had to pay these same corporate fees, when Nationstar acquired my loan. 
I can not get an explanation as to why I 'm responsible for these fees when I did request these transfers. 
Old issue that has ruined my credit. 
When Nationstar acquired my loan from my original lender, XXXX. Nationstar did not honor my mortgage loan agreement. I have made numerous calls to straighten this out with no return call, person no longer handling my loan or some other excuse. I also requested documents on my loan they received from XXXX, which they never sent. I was told once that my loan was Modified. I requested the documents I signed that I agreed, acknowledged to this loan modification. 
I want these issues addressed and the documents.