davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Wrongful foreclosure. Violation of CA bill of rights. Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ) and other mortgage laws by Select Portfolio Servicing ( SPS ) acting as servicer for XXXX XXXX XXXX XXXX, as trustee on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Equity Pass Through Certificates, XXXX XXXX. False CA. Declaration under penalty of perjury on California Declaration Of Compliance dated XX/XX/XXXX included with Notice Of Default by XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX contact was made with me on my cell phone be a representative of SPS regarding delinquency in payments. I advised her that I and co borrower sopuse had a significantchange of circumstance as my husband, XXXX XXXX, the co borrower, was diagnosed with XXXX XXXX on XXXX/XXXX/XXXX after being ill but undiagnosed for one year. I advised her that our business income had significantly dropped. I advised her that our mortgage interest rate of 8.625 % was still too high and we needed a modification review. The representative falsely and unlawfully advised me that a review for modification was " NOT AN OPTION '' because we had just received a modification XX/XX/XXXX. It was not until I received a free consultation with an attorney that I learned that if there is a change of circumstance, the mortgage company/servicer/bank Must by Law review the loan for possible modification. 
Select Portfolio Servicing and XXXX XXXX XXXX in direct violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). a Sale Date is scheduled for XX/XX/XXXX assigned by XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX I am requesting a postponement of the sale date. A Notice of Error has been sent to Select Portfolio Servicing via overnight mail.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Immediate Credit Recovery (NY)

I recently checked my student account from the XXXX College of XXXX and there is a so-called " Hold '' from ICR ( Immediate Credit Recoveries ). I 've never done business with this company and I pay my tuition with Federal Financial Aid and have already resolved my payment option through the Financial Aid Office of my University. I have not received any written nor electronic communication from this company nor from my school about this issue.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

I DISPUTED ITEMS ON MY CREDIT REPORT WITH ALL XXXX REPORTING AGENCIES, XXXX, AND EQUIFAX. SENT ALL DISPUTES CERTIFIED MAIL, THEY SIGNED FOR THE DISPUTES ON XXXX XXXX. EQUIFAX NEVER GOT A RESPONSE BACK TO ME AS OF YET, WHICH IS WAY PAST THE 30 DAYS ALLOWED BY THE LAW. ON XXXX XXXX THEY WERE SENT ANOTHER LETTER BY MY ATTORNEY THAT THEY WERE IIN VIOLATION OF THE LAW, AND ACCORDING TO THE LAW THEY MUST REMOVE ALL DEROGITORY ITEMS WE DISPUTED OFF THE CREDIT FILE IMMEDIATELY AND AS OF TODAY THEY HAVE REFUSED TO AND ARE IN VIOLATION OF THE LAW.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (VA)

Below is one of many letters written to Caliber explaining their multiple misappropriation of funds errors : We were instructed to write a letter to your department directly by XXXX, ID # XXXX today, XXXX/XXXX/2016 regarding the misappropriation of funds handled by your cashier department. There has been a total of {$3800.00} sent in for XXXX and XXXX mortgage payment that has not been applied to our account. Today we received a breach of contract letter and notice that foreclosure was impending by the end of this month. This in turn has allowed Caliber to qualify us as " in default '' therefore sending HUD documents via mail that have been arriving at our home and past due threatening phone calls are made daily to our phone. These calls and mailings started arriving the XX/XX/XXXX. This prompted us to log into our account to see what the problem was. This is when we realized XXXX payment was not applied, subsequently, XXXX payment was not applied either. We made several calls into Caliber as well as several submissions online inquiring about what the problem was. No one ever responded to the online submissions and each rep gave us a different explanation about what the problem is. This is when we started recording the conversations. I can send them on a thumb drive so you can hear all of the opposing instructions and explanations we have been given over the past month or can be sent to an email. All of these recorded calls were emailed to the CEO 's assistant without response. We even had one rep say DO NOT make XXXX payment. That is recorded. We were told by another rep that we might have difficulty finding another lender to just refinance since Caliber has started the pre-foreclosure process already and has reported us to the credit bureau for being XXXX past due even though Caliber has record of receiving both XXXX and XXXX payments, that is recorded. We ca n't even see where the {$3800.00} to any of the fees either despite that is " probably where it 's going '' per your reps. There is no proof of this that has been provided. 

We have notified you of your error via certified mail which we have proof of receipt, we have emailed our draft statements from XXXX XXXX XXXX, our bank that reflects more than the normal payment due that we have paid for several months now including XXXX and XXXX, we have submitted our proof of payment online and your own website/system reflects this. We have invested 80 hours in dealing with this. I have instructed my employer today that I will have to take off the rest of this week to file whatever paperwork I need to through the proper channels. This is having an extremely detrimental effect on our family including our minor son and it 's taking a insurmountable toll on our family and we all have had XXXX, XXXX and XXXX pain and suffering because of these ongoing Caliber misappropriation of funds errors. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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. (FL)

I received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On Saturday, XXXX XXXX, I deposited {$40.00} at the ATM XXXX, Union Bank, XXXX Ca XXXX. The ATM returned {$20.00} ; I resubmitted the {$20.00} Bill again. The ATM malfunction, stated it returned my Deposit ... The ATM asked if I need more Time, I stated no..no response and I stated yes ... My ATM Debit Card was returned to me and then a Transaction Receipt for Hardware Failure and Attempted Deposit of {$0.00}. I Called Union Bank to file a Claim and received a 15 minute wait, call back. I entered the Branch and the Teller explained that the ATM was not accepting Deposits ... there was not a sign or notification to this fact. She further stated that a Service Technical would be out, I should file a Claim and if confirmed my Account would be credited the deposited amount. Claim XXXX was filed with Union Bank.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans has misappropriated my mortgage payment and they are claiming that I have not paid my mortgage since XXXX 2015. This is inaccurate and I have my bank records showing that Caliber cashed the checks. I have written a letter to Caliber Home Loans with attachments showing that I am current with my loan payments and they are still threatening to foreclose on my property. It is a simple adding and subtracting issue on their end that they refuse to remedy.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (LA)

I have disputed a medical collection appearing on equifax report since XXXX 2016. The issue is this account was paid in full to original creditor which is XXXX Louisiana XXXX hospital. Equifax is not properly investigating my complaint and is returning to me the same result of " Collection Account Paid in Full. '' This is unacceptable. The collection agency is dishonest and equifax is not doing due diligence on behalf of consumer.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (TX)

I have attempted to dispute Experian 's reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with Experian repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to Experian by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. Experian should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. Experian should appropriately reage my credit score. Also, I am victim of a natural disaster and Experian has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from Portfolio stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

On XXXX XXXX I sent a letter out to Debt Recovery Solutions about another account they was supposed to do a debt validation on. The company resolved the first account deleted it ; but the second account they never followed up on or validated the debt but they are still reporting it to credit bureaus. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and return with the proper documentation but the company never responded.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX continues reporting my account as delinquent and does not reflect that I paid the account in full on XX/XX/2020. They agreed to delete in exchange for full payment but it has been 90 days and they continue reporting as charged off every time I dispute it. They refuse to provide proof of this status and I provide a letter acknowledging that I paid the account but they still refuse to update. Im attaching a copy of the letter showing my account was paid in XXXX, and screenshots showing the before and after dispute status showing they refuse to update my account. I have also reported this to the XXXX, and the MN AGs office. I have disputed directly 4 times with no success.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA (NC)

Someone obtained my credit card # fraudentally. I notified the bank and was told they cancelled the card and would remove the charges. However, they have not done this as charges keep appearing. When I call I am told I never reported the charges as fraud but it will be done. After 6 phone calls, each time being told 1. I never reported the fraud and 2. I never reported the charges as fraud, I am filing a complaint.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (MA)

I have been a long time Fidelity Investment customer. I have used their Fidelity credit Card which XXXX rewards. This year they moved platform and issuers. The transition has been a horrible experience. I have never missed a payment have 700+ credit. When the moved issuers to Elan. I have not been able to pay due to an ineffective website. To called to cancel my card twice and also sent a complaint through the investment portal. My card has not been canceled not has Fidelity responded to my complaint.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Here we go again with Specialize Loan Services. Constant complaints with this company. I just finish a complaint in XXXX that they did not pay my XXXX XXXX property taxes. NOW this time Effective XXXX XXXX, XXXX they are my servicer again. Why couldnt XXXX XXXX XXXX Keep my Mortgage account I was more happier with them. ANYWAY Specialize Services did not Pay my Property Insurance which was Due XXXX XXXX, XXXX. I received a Cancellation Notice to be cancelled on XXXX XXXX, XXXX. I went on and paid {$220.00} TO BE IN COMPLIANCE WITH MY INSURANCE COMPANY!!! NOT MY MORTGAGE COMPANY. It is obvious they are not in compliance and hiding something when it comes to escrow. I already paid with my mortgage payment which includes the property insurance and property taxes. SPECIALIZE LOAN SERVICES did not pay another escrowed bill once again. I am not happy at all with their service. I refuse to talk to the customer service because I do not get anywhere and everybody I talk to sounds like they are in training.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My ex-wife ( XXXX XXXX XXXX, her SSN : XXXX her DOB : XX/XX/XXXX, wanted and thus, was awarded my former home on XXXX XXXX XXXX in XXXX, California, by a California Family Law Judge as part of our Divorce settlement effective XX/XX/XXXX. So I moved out of it and back to XXXX, California ( which is over XXXX miles one way from XXXX, California ) over 16 months ago. 
Since I physically moved out, I stopped paying on the existing Ocwen Loan Servicing monthly mortgage because XXXX XXXX and her XXXX year old boyfriend physically moved into it and promised to continue to pay the monthly mortgage per the signed Court Order. 
And I mailed a copy of the signed Court Order to Ocwen Loan Servicing, yet Ocwen has now started to list the negative credit " Foreclosure '' status onto my XXXX credit report. I called Ocwen up and they refused to discuss it over the phone!!!
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I was stationed in XXXX XXXX with my family and Navy Federal froze our account for almost two month without telling us, when they finally released the hold on our account we were in serious debt. They were allowing all funds to be deposited but was n't allowing any funds to go out. When my Wife went into the Branch Office they told her that a third party requested a hold. She asked them why she was n't informed and she was told that they did n't have to. I called from the XXXX and was told the same thing. During the time our account was locked we accumulated a lot of late fees on all our bills. We were out of food at the house, the lights got cut off which lead to my Wife and kids depending on friends. It also lead to the borrowing of fund from our friends for gas money, food, health product etc. My XXXX was contacted constantly for non payment. We still have overdue bills that are outstanding because we were never able to catch them up due to all the late charges. We lost one Time Share Property due to this incident because we was never able to recover. My Wife developed XXXX and XXXX symptoms from all the stress this incident was causing which she is still suffering from and is currently on medication for. She was never able to go back to work which negatively impacted our finances, shifting our debt to income ratio in a way where we had more debt going out than income coming in. I was out to XXXX for two months with no money to buy the basic necessities need for XXXX life which affected my performance standards when it came to uniform and grooming.
Consumer complaint received 2017-01-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

In XX/XX/XXXX I received a notice from Ocwen stating that I was eligible for {$5000.00} recast offer on my mortgage. It was an earned incentive under HAMP for paying my monthly mortgage as agreed & on time. I immediately accepted the incentive, and requested to have {$5000.00} applied to my loan, and to have my monthly payment lowered by {$50.00}. When my monthly mortgage payment increased from {$1100.00} to {$1300.00} on XX/XX/XXXX, I called Ocwen to make sure that my incentive had been applied, and was told that it takes 2-3 months. I recently received a letter from Ocwen dated XX/XX/XXXX stating, that I am not eligible for my incentive due to my payment being 41 days late. I have never been late with my monthly payments. I pay my own property taxes & home owner 's insurance and I have never been late. This is an unethical tactic by Ocwen to keep my incentive that I worked diligently for. I have ( 30 ) days to appeal their decision, which I did on XX/XX/XXXX by email to their Escalations Department. This loan servicer is very shady & dishonest, they are always trying to beat their customers out of money, incentives, loan modifications, etc. I want my {$5000.00} earned incentive applied to my loan ASAP.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Since XX/XX/2014 I have been in and out of work and have been trying to work out an agreement with Wells Fargo Mortgage. They bought my mortgage when XXXX XXXX was bought out. I have gotten the run around, lied to given unacceptable terms, and the delays in paperwork processing has ruined my husbands and my credit. I want this situation rectified immediately. I have had it with this mortgage and if I could take my business elsewhere I would.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was deployed to XXXX in 2012 XXXX XXXX - XXXX ). While deployed I was living near a local village and did n't have regular access to mail, internet or phone. I received a letter from my auto loan holder XXXX Navy Federal Credit Union XXXX that I missed a payment. I had setup the account to be paid automatically each month, in excess of the minimum amount, using my XXXX credit card. I called NFCU and asked them why and they told me over the phone that I was late and it was because of insufficient funds. I told them this was n't possible, I was deployed and had more than enough available credit to pay the auto loan monthly bill. I spoke to a manager who told me there was an error processing my card, and it was the bank ( NFCU ) fault, not my own fault. They said they were sorry and would delete the late payment from my records ( 30 days late ). A month later I checked my credit report and it was reported to the credit agencies. I called NFCU and asked them to remove it and they denied my request. I immediately asked what the total amount owed was and told them I want to pay off my loan in full. I paid off my loan in full that day because they could n't process my payments correctly. 

I have since submitted disputes with NFCU directly and with the XXXX credit agencies. I have not received resolution. NFCU will not remove the late payment report and neither will the agencies.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I own a house and a mortgage. I pay PMI insurance. I do not want to pay PMI insurance after I have reached the required 80 % loan to value ratio. I have reached the required loan to value ratio of 80 %. Ocwen owns my loan. They say I need to pay {$440.00} to have my house appraised before they can get rid of my PMI insurance. None of this was disclosed to me and want to know if it is legal for them to require an appraisal in order to opt out of paying the PMI insurance.