davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

Chase receivables collection agency of XXXX California sent information to credit bureaus stating that I owe {$82.00} to a medical institution. Problem I was never notified by the medical institution or chase receivables that I owe this money. Credit bureaus reporting that collection was opened since XXXX of XXXX. Problem is nobody sent me a notice or warning of such actions and now it 's on my credit report as of XXXX XXXX and my credit score went down by XXXX pts. When I tried to contact chase receivables they stated that I need an account # for them to know what debt I was calling about. So basically when I gave my name and address they could n't find me in their system but somehow they reported me to credit bureaus stating that I owe money. This is unfair and it is fraud! And now I am stuck because I ca n't get nowhere with collection agency and credit bureaus will not remove from credit report until XXXX! This is consumer ripoff.
Consumer complaint received 2015-05-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NV)

Good afternoon, This complaint is against U.S. BANK. ( Fraud and Homeland Terrorism ) I had a transfer from my Financial Advisor deposit in the amount of {$10000.00} to my checking account number : ______________________. However, the credit was never seen on the transaction history. Then when I engaged the bank in person I was given fraudulent documents listing incorrect transaction history, which I am in the possession of, but do not have the ability to upload because of lack of money and have been evicted from my home which has my M.F.P. to scan the documents. They indicate that the account is overdrawn and additionally, called XXXX in XXXX NV, and let them know the account was frozen which was a lie. They have also deactivated my debt card without my approval. 

These act 's defined by F.B.I. are homeland terrorism and has left me homeless and without a way to pay any of my bills.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Gatestone & Co. International Inc. (TX)

There was n't a category that matched this and it 's more I 'm considering legal action. 

I have been trying to contact Gatestone about a debt I have that got transferred to them. The numbers provided go to voicemail only and voicemails do not get answered. I checked my credit report and the account with the original debtor is showing that I have n't paid since 2013, but I have been making regular payments. I also need them to acknowledge that this is the last month for a payment
Consumer complaint received 2015-04-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UMB FINANCIAL CORPORATION (MO)

XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (FL)

The Receivable Management Services Corporation ( XXXX ) sent me a notice in the mail of an attempt to collect a past due health insurance premium of {$140.00}. The original creditor bill was from XXXX This is not a valid debt because I had paid the premium due IN FULL on XX/XX/2016.
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WESTERN CONTROL SERVICES, INC. (CO)

A verification of employment was sent to my job today. I had no idea that this account was even outstanding. I called the company Western Control Services and talked to XXXX different reps, no one properly verified my info just my name, no one gave the Mini Miranda to me either. I was told that a woman that I have never heard of was served my lawsuit paperwork so I was really never even informed of this lawsuit. I tried to work out an arrangement with them and was told that I had to pay the bif off within 3 months.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Other — 
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

Had a credit card issue was sued by Daniels Norelli Scully Cecere, XXXX. XXXX XXXX XXXX, NY XXXX, I have since paid this off in XXXX 2015, they refuse to file a satisfaction of judgment with the XXXX County Clerk, after many requests, calls etc to do so.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

My mortgage payment for some land was {$500.00} with SPS, the payment went up to {$1300.00}, effective XX/XX/XXXX. I completed a loan modification in XX/XX/2016, sent all documents 6 different times, each time calling SPS to confirm receipt of documents. On one occasion, I call the IT to go over the application. I have spoke with numerous supervisors, staff have put me on hold for 48 minutes with no response. Each manager says I have provided all that is needed, but I then get a letter stating I did not provide enough information and to send more of the same information, after supervisors have reviewed it and approved stating that they would escalate the process. I have spoken with the ombudsman on three occasions. The last conversation was on Thursday, XX/XX/2016 and was advised that I indeed had all documents, but they will call me back. I have not received a call yet. I have emails and documentation of the people and dates I have spoken to them. In addition my conversations were recorded. Now I am going on two months behind in my payments, which I informed them that there was no way I could make that large monthly payment. I was informed that if I did n't have the documents in by XX/XX/2016, my request to modify would be denied. I am at the end of my rope and do n't know what else to do. Could someone please help. I feel discriminated against and not treated fairly. I only kept calling to verify that documents were received and to ensure nothing else was needed. Each time I was not told the truth, even after requesting help from the ombudsman.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, 2015 we refinanced our loan with Nation Star Mortgage ( the loan was already with them ). All disclosures, Estimated Fees and Costs, the Federal Truth in Lending Disclosure Statement, the Payment Letter to Borrower, the Impound Authorization and Payment Notification, the Initial Escrow Account Disclosure Statement, etc., and the repeated assurance of our loan officer stated the same thing : our PMI payment was {$330.00}. The first payment statement ( in XX/XX/XXXX ) from Nation Star had PMI at {$330.00} as agreed. Now on XXXX XXXX, I get a statement telling me that my PMI is now {$540.00} - a SHOCKING increase of {$210.00} every single month - that is {$2500.00} per year! I called Nation Star today and they had absolutely no information except to say that they ( the escrow department ) had " just gotten all of the information '' and that my PMI is now {$540.00} per month and that they needed even more additional money per month because they " did not ask for enough up front at closing for their 'cushion ' so there is a shortage that is also going to require an additional {$65.00} for the next year so that they have the proper 'cushion ' on hand. '' This is a fixed rate mortgage. The principle and interest are {$2400.00} per month. The disclosed/agreed PMI was {$330.00}, the hazard insurance was {$100.00}, and the taxes were {$390.00} for a total monthly payment of {$3200.00}. Now they are claiming P & I is {$2400.00}, PMI is {$540.00}, insurance is {$120.00} ( which I expected because Nation Star told us to get more insurance in XX/XX/XXXX so it increased the annual premium by {$100.00} per year ), taxes are {$390.00}, and the escrow " cushion '' shortage payment of {$65.00}, for a new total payment of {$3500.00}. This is almost {$300.00} per month higher than disclosed and agree just one month after our first payment! Had we known that the PMI payment could fluctuate like this, we would NEVER have agreed to this loan - we had other options! We spent over an hour on the phone trying to get some answers, but got no where beyond " that 's just what you owe '' and " that 's how the numbers came in when we got them. '' This can not be right! Please help!!!
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (CO)

I got a new job in a town that is XXXX hours from where I currently live and work. I wanted to buy a house in the new town and move into it prior to my start date at my new job. I contacted Quicken Loans, and I was told by their agent that buying a house prior to the start date of my new job would not be a problem. I was pre-approved for a loan through Quicken, and I put an offer in on a house in the new town. My offer was accepted by the seller. When I told the agent at Quicken this, I was told everything was fine/there would be no problems. Then several days later, I was told that they would be unable to start the underwriting process until I had received my first paycheck from my new job. I have extremely good credit ; I have been employed in the same line of work steadily for 8 years ; I am currently employed and will be between jobs for less than one week ; I have a low debt-to-income ratio ; and I have an offer letter from my new employer which gives my starting date, the amount I will be earning, and that I will be guaranteed 40 hours per week. When I started the loan process with Quicken, they told me this was sufficient. Then, several days after the process was going, and after I had put down {$5000.00} EMD on the new home, they tell me that I will not qualify for a loan from them until I can produce a paycheck from the job in the new town that I will be moving to. They claimed this was because XXXX desktop underwriting program " requires at least XXXX pay stub [ Sic ] so we would n't be able to close until we have a new pay stub. '' I feel that Quicken loans purposely mislead me and was dishonest to me when they told me that I had everything necessary to get a loan and to close on a home prior to my start date at my new job. Furthermore, I do not believe that they are being completely truthful about the XXXX pay stub requirement, as I have multiple factors that point to my being an extremely safe borrower who has a guaranteed future income.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SELECT PORTFOLIO SERVICING CONTINUES TO SEND ME COLLECTION LETTERS AS A SERVICER FOR A TRUST THAT HAS NOT PROVED IT OWNS MY LOAN. THIS TRUST TOOK ME TO COURT AND LOST IT 'S CASE AND THE JUDGE DISMISSED THEIR CASE BECAUSE THEY COULD NOT PROVE THE TRUST LEGALLY OWNED MY MORTGAGE AND NOTE. THIS SERVCER HAS NEVER PROVED BY ANY TRUST DOCUMENT THAT IT IS A SERVICER OF MY MORTGAGE AND HAS A RIGHT TO SEND ME COLLECTION LETTERS. I BELIEVE THEY HAVE VIOLATED MY RIGHTS ACCORDING TO THE FAIR DEBT COLLECTION ACT
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear XXXX XXXX and CFPB representatives, I am writing this letter to inform you of the wrongful foreclosure that is occurring on my mortgage loan and to formally request that Nationstar Mortgage remove the foreclosure sale date presently on my mortgage loan against my family home/property scheduled for XXXX XXXX, 2016, to allow for a complete RMA review. As of XXXX XXXX, 2016, I submitted a compete request for mortgage assistance ( RMA ) per multiple account representatives at Nationstar Mortgage to include XXXX XXXX and XXXX ( XXXX XXXX on XXXX XXXX, 2016, and XXXX - Agent ID # XXXX on XXXX XXXX, 2016 ). 

I have every intention of retaining my home and have already submitted a complete Request for Mortgage Assistance ( RMA ) as of today in an effort to restructure my mortgage debt to retain my home. The only document that had been missing from my RMA was a current dated MHA HAMP RMA ( only requested 12 days ago on XXXX/XXXX/16 ), which has already been submitted to Nationstar Mortgage and is attached for confirmation. This document was delayed as a result of the lack of communication by Nationstar Mortgage to convey what was needed to submit a complete package. I was advised on XXXX/XXXX/16 that I submitted a complete package, which means that the foreclosure sale should have been removed at that time by Nationstar Mortgage to not engage in unlawful dual-tracking practices. Additionally, I was also advised that Nationstar Mortgage created a missing documents letter but NEVER SENT IT OUT to me perpetuating the wrongful foreclosure, which in unjust at a minimum. 

I have now submitted a complete Request for Mortgage Assistance ( RMA ) to include the current dated MHA HAMP RMA that was the justification for moving forward with the foreclosure from Nationstar Mortgage to date. Per the California Homeowner Bill of Rights, RESPA and the CFPB ; foreclosing on my mortgage loan while currently in a RMA review would be wrongful, in violation of multiple state and federal laws, and illegal. 

Please help me to postpone Nationstar Mortgage 's foreclosure sale date immediately to allow for a complete review for mortgage assistance on my mortgage loan. Please also ensure that Nationstar mortgage provides a missing documents letter to me detailing what documentation is still missing on the file to deem it complete since it is confusing as to what is needed when and in what time frame. 

Thank you in advance for your assistance with this matter. I look forward to hearing back form you in an expeditious manner since time is of the essence with the sale date pending for tomorrow!
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar refuses to postpone Trustee sale despite the fact I have a signed contract and approval from Nationstar to short sale the property. One two separate occasions, the agents lied to me ( borrower ) by telling me that they are unable to postpone the auction without approval from XXXX ; however, XXXX told me that it is the servicer who requests the postponement of the trustee sale. It was n't until I spoke to XXXX at Nationstar today, XXXX XXXX that explained that Nationstar will NOT postpone a sale despite a signed contract if Nationstar has already postpone it twice. My XXXX seller 's offer of $ XXXX backed out after the short sale process took 2 months to even get a counteroffer from XXXX which XXXX turnaround is 3-5 days. My XXXX offer of $ XXXX was signed on XXXX XXXX, 2016 ; however, it was n't until XXXX XXXX Nationstar submitted the offer to XXXX, which XXXX counteroffer came in on XXXX XXXX. When I asked the agent why it took that long, the agent agreed it took too long and could n't explain why. Remember this is the XXXX offer Nationstar has submitted on this property, there 's no reason why it needed to take 16 days to submit an offer on a house they have already submitted to XXXX. Furthermore, the Trustee Sale is approved to start at $ XXXX, but Nationstar refuses to push back the Trustee Sale when I already have a signed contract with a Buyer for $ XXXX. A nice family is going to learn that they lost the house they put down XXXX % in escrow because Nationstar is unwilling to postpone the Trustee Sale. Nationstar needs to postpone the Trustee Sale and allow me to short sale the home which is what they agreed me to do.
Consumer complaint received 2016-06-21
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

RE : previous complaint # XXXX 1. This Complaint is filed pursuant XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX. and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a mortgage with nationstar. last year, they ( greenlight loans ) pestered me to refinance. they do this by first emailing you, then sending letters, then calling. i wanted to refinance so i began the process. ultimately, they promised a rate lock of 4.125 %, but it slid up to 4.375 % based on ltv ratio and subjective interpretation of fico scores. eventually they denied my application, even while i still have a loan with i think what is their parent company. 

it started all over again this year, about the same time. ultimately, now all paperwork is completed except they are waiting for a subordination agreement with XXXX who holds a second. this waiting has been since late XXXX or XXXX XXXX when i challenged them to push XXXX to get it done, they said their protocol is not to pester lienholders. i bought down from XXXX to XXXX with about XXXX point, or $ XXXX. the rate lock agreement expires XXXX XXXX what i see now is that most likely they are waiting for the agreement to expire and then raise the rate. this sounds like a scam to me to suck you in early on and then jump the rate when you are exhausted and tired of waiting. i could have gone with a legitimate firm had i realized what was going on. i would really like you to investigate these practices.
Consumer complaint received 2015-06-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I tried to contact my bank about the new loans that help with payment shock. Nation Star has failed to answer my question. What I do get is loan officer 's that say they are n't sure about that program but they will refinance me. In fact, Payment Shock Refinancing was listed Under Frank Dodd as an option that banks could use for refinances under the new ATR rule. I have emailed and called several times, starting with the XXXX email on XX/XX/XXXX, then continued to email them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This does n't include the phone calls I have made with the promise to look into the question and get back with me. 
The wrote me back and said that payment shock was an industry term and they did n't know what I was talking about. When I cut and pasted exactly what was in the guidelines they said it would take 30 days to get back with an answer for me. I wrote them well after 30days and they said they were sorry and that they were having a loan officer call me. They still did n't answer my question on if they do this type of loan. I had spoke with several loan officers and they did n't know what I was talking about. I have never received an email or a letter in regard to my question but I have gotten calls to just do a straight refinance, which does n't help me. I need the payment shock refinance as my income last year was lower and I do n't qualify. Plus, I read that under this rule the banks have the option of giving me the same rate and terms as an A+ borrower. 
Nation Star Mortgage is my bank and they have given me no help or guidance and my loan is getting ready to reset and I am afraid what the rate will jump to.
Consumer complaint received 2021-10-12
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. (NC)

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent XXXX XXXX XXXX {$100.00} Account number XXXX Hard Inquires : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report