davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-15
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

To ; whom it may concern The loan depot never mentioned that the Appraiser that came to my home never measured my home, and was in and out of my home in less than 10 minutes. If you pull there call log, and talks done daily you would find out that these people have made promisses, and lied to me about not just what they said about the {$200.00} that they promissed me back after everything was completed, but also that I had a check on it 's way for the amount of {$3600.00} ; And the loan was APPROVED!!! Just them firing my loan officer XXXX XXXX made them look even more suspicious, and there Attorney calling my home late at night to discuss the situation. This firing probably ruined his home and family. He did not deserve this. The president also contacted me telling me that XXXX XXXX was trying to take over the Company. They put me through a living XXXX! Since XX/XX/2015 till present. I did everything from spending my money for gas, copies, stamps, and time that caused me XXXX, XXXX, anxiety. I really thought this company was on the level with me, and they were not for my best interest my being a XXXX Retired XXXX Veteran. There call backs was sporatic to say the least. And the attitudes I got from XXXX XXXX or XXXX. They fired a very good man, and very honest to say the least. Named XXXX XXXX for being honest about his piers and their practices lying about them putting me on a 30 fixed from my present 3.99 % to 3.75 % ; then all of a sudden they decided to give me a fixed for 3.85 %. He also mentioned about other veterans not getting there fair share when it comes to mortgage loans, etc, etc. Thank you XXXX & XXXX XXXX XXXX XXXX Case # XXXX
Consumer complaint received 2016-12-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

This company, American Medical Collection Agency ( AMCA ) was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Consumer complaint received 2016-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from XXXX XXXX XXXX since XXXX/XXXX/XXXX. I just today ( XXXX/XXXX/XXXX ) have been notified of XXXX XXXX XXXX selling my loan to a company called Shellpoint Mortgage on XXXX XXXX, XXXX. I have not received any letters of this transfer and had no knowledge previously. I called them today and they told me that the loan was just today sent over to a loan modification specialist for review. They had 14 days to do that already and they have not done so until i called them. Also they are saying that there is a foreclosure sale date scheduled on my home for XXXX XXXX, XXXX. They said that they do not have to file/ record a new Notice of Default and Notice of Trustee Sale and the sale will stay the same from the old servicer. So essentially I only have Monday to get any documents in to Shellpoint mortgage to finalize the review for a potential sale postponement. The servicer is not giving me a chance to apply and be reviewed for a loan modification.I only have ONE day to do anything for my loan modification. I did not even have a single point of contact assigned before today 's date so that they could review my loan modification. How is this company operating. 
This company is so violating right of mine. 
California Homeowner Bill of Rights. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTS The California Homeowner Bill of Rights became law on XXXX XXXX, XXXX to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (NY)

I have filed several complaints and am getting nowhere. I am attaching JH Portfolios response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
Consumer complaint received 2017-02-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Funding LLC bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX, XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. Midland Funding LLC added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of Midland Funding LLC about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (GA)

American Express deceptively gave me a financial review even though originally they just did a credit line decrease on XXXX of my accounts. They gave me the option to restore my Gold Delta Skymiles limit to where it was before and I called them up with some questions about how long the process would take. immediately after the call, they did a full financial review on me and suspended all of my accounts even after I had already sent them documentation about my finances for the Gold delta skymiles credit card.
Consumer complaint received 2015-06-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Good morning, I bought my car in 2011. We pay XXXX dollars in cash. 
Registration When I had no knowledge that the words ' 'one lien Recorded ' meant I owed money to the bank. My XXXX is not good now, and at that time was worse. 
I sold my car XXXX days ago as litter, they paid me {$250.00}, and the person handling the crane said I owed money to the bank. The data take my license, and I explained that I had to communicate with the bank. Try every possible way and I could never reach anyone. For this reason it is that I present this complaint and let me know what else I can do. I not owe money and I would like to clean that my recod. I would like to add that I never received any letter from the bank in XXXX years. Thanks and could please answer in XXXX? I would greatly appreciate it.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I contacted XXXX about a couple months ago and they did remove this time barred debt from XXXX credit bureau BUT NOT XXXX that has more than exceeded the time statute to collect at best this questionable debt of {$16000.00}. XXXX did remove this debt from experience and XXXX XXXX however it still remains on my XXXX XXXX XXXX XXXX credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (TX)

Attached CFPB response by XXXX states they can not validate debt providing the original terms of offering because account was opened in 1987. Account has been charged off. See attached Truth in Lending Act requiring creditor or debt collector to provide copy of written agreement that created this alleged original requirement to pay. XXXX continues to collect this debt that I never agreed to pay. See attached letter attempting to collect debt. I demand this harassment and continued violation of my consumer rights to be stopped.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

My complaint is with Experian. 
They are STILL SHOWING : XXXX XXXX, XXXX XXXX XXXX, XXXX, And, XXXX XXXX!!! 
These items are supose to be removed!!!! 
XXXX and XXXX already have!!!, for they were proven wrong!!! 
XXXX!, how much longer is it going to take to get this beuroe to get a grip??? 
XXXX XXXX
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX XXXX that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and T-Mobile would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
XXXX
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

Having issues with repayment for years, I called XX/XX/XXXX to put my account into forebearance and set up " auto payments '' for 15 months. I accrued late fees on my account, because it was not made clear that changing the due date was passed to actual due date, which ultimately made my account " in the red zone '' ... .for months! Seven months later, I had " auto debit '' coming from a different account, which is different than auto payments, which again was not made clear. Making double payments for 2 months, I accrued late fee charges through my banks, because I did not know how to stop this from happening. I called XX/XX/XXXX to have the " auto debit '' cancelled and to continue with the " auto payments '' that I had originally set up back in XX/XX/XXXX, for a specific date. Now it 's XX/XX/XXXX. I just got off the phone with Navient. I talked to people in customer service and collections. I talked about my account still being debited for payments, accruing late fees with my personal bank. I was furious with them. They try to transfer me to different departments " trying '' to figure out my account, late fees, and double payments. Ultimately, I am so discouraged, I do not trust that they will take the correct amount from my account on the said date. I owe a large sum of money, work full time, live with my parents to save money, and still can not make payments. They do no explain what they are doing, until I am screaming at them through the phone, making myself so upset I am literally XXXX. Customer service does not/ can not see what collections does and vice versa. I am making a formal complaint because they assume the borrowers know exactly what is happening with their accounts and money. They do not explain anything and will tell you whatever you want to hear. I do not trust this company. I wish there was a way out, for my own personal sanity and not be financially burdened by this company.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I had questions about incorrect information I found on the National Student Loan Data System. I called my servicer, Fed Loan Servicing. The woman I spoke with told me that Fed Loan owned my loan, as opposed to merely serviced it, and that Fed Loan did not report any payments to FSA, only credit reporting agencies. I knew this was incorrect information. I asked for a supervisor and was transferred to AES. They sent me back to Fed Loan where I talked to a woman who kept interrupting me and would not let me ask any questions about my NSLDS information. She kept saying my question was about PSLF, but it was n't. I was trying to ask about my repayment history. I was not allowed to ask her any questions, I kept being cutoff mid-sentence. She refused to open up my NSLDS information and look at it with me on the phone. Finally, I let her transfer me to the division that dealt with PSLF. The man on the line told me I was at the " escalation department '' and was able to tell me that after a repayment review ( 90 days ) my information should be updated on NSLDS. This was a fairly simple answer to give, I have no idea why I had to go through all of these steps to get it. 

This whole thing took an hour. I got bad information, received rather XXXX customer service from one representative ( to put it politely ), was transferred three times, talked to four representatives, and was referred to AES -- which does not service the Federal Direct Loans I have. Overall this was a rather stark experience. I have no idea how people without a preexisting understanding of Federal Student Aid programs manage to get any accurate understanding/information about their loans.
Consumer complaint received 2017-01-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CHECK INTO CASH INC. (CA)

XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?
Consumer complaint received 2016-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Waterfall Revenue Group (PA)

I believe this bill is for a home I owned in XXXX I sold this home in XX/XX/XXXX and the new owners are responsible for this debt. According to the statement they sent the bill was from XX/XX/XXXX {$170.00}. I have been living in XXXX. since XX/XX/XXXX.
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC (TX)

There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IN)

I have received XXXX credit card refusals over a 3 month period from Chase Bank for an Amazon.com Visa Signature card. I did not make these requests. I do not believe this is a case of attempted identity theft as all the refusals are coming to my home address which has a secure USPS mailbox with a lock requiring a special key. I do not put personal information on my computer and burn all paperwork that may have personal information on it. I suspect this may be a case of robo filing by Amazon or Chase. This has been negatively affecting my credit score.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CT)

I have notified Chase in 2014 making them aware that an account was fraudulent and submitted the fraud form to them- they closed the account but is yet to remove it from my credit report upon multiple requests and I am now being denied mortgages due to Chase XXXX incompetence. I have filed a police report, FCC Complaint and they will not remove due to an alleged application they have from me. I told them I have never signed an application and I can not get them to remove the account.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

In 2011 I applied to refinance my mortgage loan with JPM Chase. At the time the HARP program was already available. However, JPM said that such loan would be more expensive to me. 
Reviewing the program with other institutions, I 'm being told that in fact the HARP program would 've been more beneficial to me, i.e. less expensive I would like to know why JPM did n't qualify my loan under the HARP program.
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

Treated in 2014 and paid my deductible. Insurance paid remaining balance, in FULL. Found out that they charged my deductible by {$25.00} too much, which they agreed to refund. 
Never got refund. 
Now CMRE FINANCIAL, whom I have never talked to, has submitted to collections, for more money, AFTER bill was paid in Full, and in fact, which a REFUND was due!
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

XXXX, XXXX
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (NY)

I received a letter from Convergent to settle my debt. I replied to the letter with my account information for them to take money directly out of my account on a monthly basis until the debt was finished, but they never took any money out of my account. I even sent them an email to get back to me as there were two different addresses for them, but I never received a response. Recently, I saw them on my credit as collections for a debt that I did in fact try to pay.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (IL)

My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with XXXX after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!
Consumer complaint received 2017-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (PA)

Applies for payday loan for XXXX They take XXXX every 2 weeks. So far they took 7 payments out totaling XXXX! I guess I still have 13 more payments to go with this loan. Is this legal with such a high interest rate? A friend told me to look into this