davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NH)

nationstar mortgage company ( NS ) assumed our motrgage in XX/XX/XXXX and did an escrow analysis. this analysis stated we did not have homeowners insurance and added a monthly charge of {$34.00} for the cost of them paying for and securing insurance. On XX/XX/XXXX I called them upon recieving my monthly statement /mortgage bill and was told there was no insurance on acct and would have to provide insurance voucher and charge would be removed. I faxed insurance coverage and payment information effective XXXX and paid in full for the year ( {$390.00} ). NS acknowledged reciept of fax and stated they would remove after another escrow analysis was complete which would take XXXX15 business days. I called up on a weekly basis until XX/XX/XXXX and nothing was ever done to remove these charges which were accumulating as overdue payments at the rate of XXXX per month. I have been paying the origional mortgage amount but the insurance pmt has not been removed to this date. I should not have to pay for something that has already been disclosed as active, never lapsing and paid for. they stated they had to buy insurance for me but i have never recieved any insurance information from them, carrier, coverage, options etc. I have made 12 calls to NS for a resolution, spent 45 min per call and was promised it would be removed but as of this date it has n't. I do not want my credit to be affected by their inability to retract this fee.
Consumer complaint received 2015-08-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Nationstar Mortgage has simply created a {$150.00} fee on my mortgage statement with no explanation as to why this fee covers. They also have started to charge {$9.00} per month to make your payment online. How can they charge you to make a payment? This company bought out my original mortgage that was with XXXX Bank. Nationstar Mortgage is a criminal organization that needs to be shut down.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (IL)

I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report.
Consumer complaint received 2016-06-25
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC (NJ)

I had a few accounts with XXXX XXXX that were taken out during my XXXX studies between XXXX I have a few issues, one being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work at XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. One being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bilateral Credit Corp, LLC (CA)

XXXX XXXX debt of {$2300.00} was paid a year and half ago with the agreement that it would removed in 30 days. XXXX personally called, we signed a legal agreement and took my payment of {$2300.00} payment over the phone. The agreement clearly stated they as a representative of Bilateral Credit Corp, LLC they would remove this debt from all XXXX credit bureaus in 30days. I have a called XXXX and XXXX more they XXXX times with no response. 

Every month when I pull my credit report it shows they debt has not been removed, that I still owe the full amount and they I am now 3 months late. 

This is my last attempt to escalate this before I take legally action.
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Services Collections, Inc (TX)

Last year Account Services started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and XXXX I have n't been able, as they stated that ACcount Services needs to be the XXXX requesting such deletion ( which they said they would, and apparently, they did NOT! ). I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
Consumer complaint received 2016-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (GA)

US Collections West, INC. REPRESENTING THEIR CLIENT XXXX XXXX XXXX has sent me incomplete documentation of their claims. 
They have failed to provide the documentation that was sent to XXXX XXXX XXXX disputing their misrepresentation and bills. I am attaching that documentation. 

They have not provided my claims of misrepresenting the amount due and sent to collections. Attached is my email to their client disputing the withholding of my security deposit : 1. The Property Inspection Move IN Report. 

2. REPAIRS requested at Move - In 3. Handy Dandy Move Out Packet with names, addresses, amount paid providers by me in compliance of cleaning and all work done to insure my deposit was returned in full.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Accounts Research, Inc. (TN)

I received a call from a XXXX XXXX who apparently works for Accounts Research out of XXXX, TN. He was attempting to collect a debt from a previous bank I used ( XXXX ). This was the most unprofessional and rude human being I have ever spoke with. He also claims he has attempted to call myselfand my fianc before, but we have no records of that ever happening. He also asked if I 'd received the letter about the debt and I said yes but before I could respond to tell him it was from the bank itself and not from a collection agency he was talking over me again making court threats and that he did n't care what my situation was. This company is not even BBB accredited and I do not like the fact that he has any of my information. This needs to be handled.
Consumer complaint received 2015-09-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (NY)

Agency keeps calling me stating I owe them money for an account that they state was sold to them. I believe the debt not to be mine and am requesting a full validation of debt, original signed agreement with original company, and full list of all charges that were made.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NY)

My account with closed because of overdrafts fees, overdrafts fees that I shouldve never been charged for in my account & now my account is closed & I need my bank account, like this is how I pay my bill, send money for my kid & my parents, my account shouldnt be closed
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (WI)

this was a XXXX XXXX XXXX credit card opened XXXX/XXXX/XXXX which I defaulted on due to becoming XXXX XX/XX/XXXX and was charged off by XXXX XXXX XXXX XX/XX/XXXX. After other debt collecters the company by the name of Cavalry, XXXX XXXX XXXX, XXXX, XXXX XXXX purchased it XXXX/XXXX/XXXX. They called my cell, sent me collection demands over the year. which I can not pay. Now with the Attorney office of XXXX, XXXX, XXXX, XXXX. they are harssing me calls, letters, and a Civil Suit in XXXX Couny, XXXX. They have paper servers at my door which I requested for them to have the Sheriff serve me and go away. And I need assistance from your office to help me get this harassment done. I 'm willing to face them in court to resolve the suit. Which I feel is a charged off XXXX XXXX XXXX debt from XXXX when I lost my home in XXXX and all my credit. I 'm living on social security and a small pension and just get by month to month.
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NC)

PNC Bank has been charging our family overdraft fees of {$36.00} for paying the item and XXXX days later the items paid are returned to the merchant an a reverse item fee of another XXXX is charged to our personal and business accounts.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Stearns Ventures, LLC (MD)

My closing cost change many times, I had 3 estimate costing close and one closing disclosure cost, in my first estimate I had to pay XXXX, than less than a week send another estimate for XXXX, than for a XXXX, now in the closing disclosure is XXXX. Also the lender have change the day for closing several time, first was XXXX XXXX, than XXXX XXXX and a possible closing for XXXX XXXX, and now is on XXXX XXXX, they did n't notify me when they chance the one that was on XXXX XXXX, even right now I do n't know the hour of the closing for XXXX XXXX, I had contact the lender and let them know that I need the closing on XXXX or XXXX, becuase I have until XXXX XXXX at XXXX to turn in the apartment or I have to pay a full month. Also I had contact the lender about the closing cost, and they do n't give a clear numbers, they said that was a mistake that it will be correct on the closing day. Also need to close before XXXX XXXX because I do n't work in the weekend so I can move my belongs, Just need to rent a truck and a few movers. but if is on XXXX XXXX than I need to hire movers and the truck and have more cost to me. Also my kids will lose class day because I need the evidence that I buy the house to enroll them to the new school. 

In resume this situation have cost me more money, they change the closing cost and not even be responsible with the day of the closing and move it at they conveniens and not my as a client.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

Charged multiple overdraft fees for transactions that was due to a lack of {$5.00} in the account but charged {$29.00} overdraft fee. Recently, XX/XX/year>, XXXX sent a transaction for {$860.00}. Navy Federal even after I advised that this was not my premium. My son that lives in XXXX XXXX was placed on my policy without my knowledge. XXXX stated invoice was sent to my old address but never sent to me. Even after filling out exclusion form and providing documents to Navy Federal no funds were returned. I was charged {$250.00} for overdraft and XXXX  and a charge that was not approved has been allowed to stay on my account and Navy Federal did not investigate. A decision was made after reviewing my account for 3 days, and transaction was reversed. I did not approve for my son to be added and he was previously excluded in XX/XX/year>.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

EQUIFAX has technical issues regarding a credit freeze, that I want removed.On last Friday,XX/XX/2016, I attempted to use the Equifax website for removing a security freeze.The website does not function, except in authorizing my credit card for XXXX dollars.I CALLED IN TO EQUIFAX SECURITY FREEZE DEPT.they authorized my card again and said the freeze lift would be complete within 15 minutes.I applied for credit with XXXX creditors, they have XXXX spoken to me about the freeze they need lifted to complete their respective credit transactions.I HAVE SPOKEN TO EQUIFAX SECURITY FREEZE DEPT. again 3 more times.THEY HAVE authorized my credit card 2 more times ( proof enclosed ) and still can not release the freeze.THIS INCOMPETENCE AND TECHNICAL PROBLEM IS IMPACTING ME AND MY BUSINESS NEGATIVELY, AS EQUIFAX HAS STOPPED MY CREDIT TRANSACTIONS.A large credit union suggested I make this complaint.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc. (CA)

In XX/XX/2014 XXXX evicted me from my low-income, subsidized unit -- the eviction was murky, and the reasons ultimately given, which I have in writing, was " other than non-payment of rent -- behavioral concerns. '' Still might seek legal action against this shady landlord ... 

XXXX thing they did was send me a bill for expenses that are by all rental laws I 'm aware of THEIR RESPONSIBILITY -- they own and manage the unit, and whatever they have to do to prepare it for the next tenant is their expense. Instead, they billed me, then, when I did n't pay them, immediate sold the bill to the first gullible collections agency ( not that I care for collections agencies, either, lol ) they could find. I 've tried disputing the bill, and have gotten no answer. Please help me resolve this.
Consumer complaint received 2015-04-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.
Consumer complaint received 2016-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I sent Portfolio Recovery Associates a dispute letter about the debt that they are attemlting to collect being past the statute of limitations for Wa state for open ended credit accounts In the last paragraph of the letter sent it stated to cease all phone calls and use mail to let me know that the matter had been settled They called my cell phone no less than 5 times after that and sent a letter stating that I did not provide enough information to dispute yet they continue to provide the information to verify this everytime I dispute this. The company knows that the debt is zombie debt that needs to be removed from my credit file. It is more than 3 years since the default date.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Billing disputes — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This will be another attempt to get Portfolio Recovery associates to remove the erroneous collection they have reported to the credit bureaus. They are stating that the account ending XXXX with a social security number ending in XXXX is being correctly reported. I have NEVER had a XXXX XXXX account nor does my social security number end in XXXX. It ends in XXXX. Can they please remove this ONCE and FOR ALL?
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch (OH)

I tried to pay my monthly auto payment through my bank. Payment was scheduled for XXXX/XXXX/2015. On XXXX/XXXX/2015 I called AC Autopay inquiring about the payment and was informed that no payment had been received. I called my bank and was told electronic payments are not accepted by AC Autopay, so they sent them a paper check via US MAIL. I stopped payment on the check since no one could verify it 's whereabouts. I then called AC Autopay again on the XXXX. Explained to them that I stopped payment on the missing check so as to please not submit it for payment. I was assured a note would be placed on my account stating the same. My bank told me to wait 24 hours before re-attempting payment as to avoid double payment. I explained to the AC Autopay customer representative the same and since my note was n't due until the XXXX that I still had time. I called AC Autopay back on XXXX/XXXX/2015. Still no record of any check so I proceeded to pay with my XXXX XXXX right then and there. I received my XXXX statement with fees for a returned check. They found and submitted the check to the bank for payment on XXXX/XXXX/2015 and it was tomorrow ejected. Why submit the check if already aware check was cancelled and account was current. And the dates on the statement entries are questionable.
Consumer complaint received 2016-02-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

How to stop closure my house today CALIBER Home Loan they this guy tell. Me move out they said it house close! But I do n't know about it I know my loan I 'm pay off on XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX I 'm demo my house I have proved permit final inspection form XXXX XXXX .TX I 'm talk to someone employee CALIBER home loans I tell them r do n't what happened about it whatever I keep my house but bills statement too reference my payment only XXXX XXXX/mo they send me bills payment first time. Same lather on they call me collaction telling behind XXXX. I said why they tell me bank said NSF '' I do n't know NSF " mean! I pay them with debit card 2mo. Then next few moth call again tell me payment grow up XXXX/mo and tell me about principle that why too high I 'm payment about few month then I 'm stop to pay beanie think something not right t need to send me bills statement may be they over dabt. Then 5 month later send owe them $ XXXX+ tell me pay out title I said I do n't have I 'm loose job and nobody work I 'm pay For colleg daughter Then they send me from about lose job tell me waiting for approve from government but they send bills payment every month grow up over XXXX $ then send my account to collection agency I talk to them by phone I need to payment standard but they said no Waiting till now
Consumer complaint received 2015-06-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates, XXXX XXXX XXXX, Virginia XXXX XXXXXX/XX/2015 my XXXX XXXX account was seized and all my funds were taking up to {$900.00}. I checked my online banking and seen where XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX had taking all my funds. So, went to my locate branch and i was dumbfounded of what was going on. So, i called the attorney office they advice i was being sued by pra collections. after two weeks i recieved papers from XXXX XXXX where they had seized my accts and why. so, i went to my located court house to set a complaint and set a court date. well, my court date arrive and the judge stated i could n't get my funds back. this credit card i had when i first went to college. i was young and but this was i how survived. well after court the judge state i make a settlement with pra collectons. i called the attorney office and the no longer had the acct so i called pra collections they told me to call the attorney office bc they could n't speak with me about the matter. it was in the legal dept hands. so i was giving the run around. i want a lawsuit against pra for not informing me and the false information gaiving to me and the stress they have cause