davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. ()

We have submitted the application through my servicer " Setrus Inc '' in late XXXX and verbally offered loan modification with the same rate in XXXX XXXX ( Note that, we did n't received any formal offer letter by post at all ). As the monthly payment amount was not reduced, we will be continue in a hardship situation. Immediately know the news, we wrote appeal letter dated around XXXX XXXX asking for further review. I did made a few calls to XXXX the status but up to date, we still have n't got any response from Setrus Inc and XXXX XXXX, but not much response from them. 

Around XXXX XXXX, we got a call from XXXX XXXX from XXXX Help Center ( Network In Partnership with XXXX Tel : XXXX ). We had an interview with her and again, we did the application from them as well around XXXX XXXX. 

Recently, our tenants stop paying rent when they receive the court documents and we are currently have to go through the eviction process and also incurring property damages which leave us big repairing bills. Due to loss of income, our payment plan also missed a few months with HOA. Our hardship continues and also more worries. 

We will try all the possible options to prevent the home foreclosed and we are fighting against the time for the in progress on FORECLOSURE CLAIM. Further delay for review the application will put more burden on us as all the legal fees will be added up very quickly and we have difficult to rent our home as when tenants know the home in foreclosure situation. 
We are currently work overseas due to the current job situation and be relocated. This will be our main home when we will back to XXXX to live and we are willing to try all the possible assistance to prevent loss our home. We are prey for the help and prey to give us a trail chance to keep the home. 

Time is quickly running out and we are extremely worried when check the court case progress status at Summary Judgement Stages. However, I was told the case is still the review stage and It has been in this stage for over 10 months now without any further progress and also no letters from them! 

your urgent help on this matter will be greatly appreciated. 

Thanks XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

You are reporting incorrect payment information for account POSSIBLE FINANCIAL INC XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

I recently filed for unemployment and when my deposit was sent to cashapp they froze my account. I need that money to pay bills and cashapp wont even allow me to access it. I spoke to cashapp and they said my account will be unfrozen but they never did. Without the access to this money I cant pay for my necessities
Consumer complaint received 2015-06-02
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (MD)

1 ). Original Loan Amount {$240.00} ). The 2 % is to reflex from the {$240.00} ). New Loan Amount {$370.00} ). The settlement Agreement was to Waive ALL prior, late charges that remains unpaid5 ). Mines does not reflex that6 ). First 5 years my Monthly Prin. & Int. Amount does not reflex a 2 % interest rate, It reflex a 4 % interest rate. 
7 ). A 2 % times $ XXXX=XXXX, not {$980.00} ). How did they come up with {$980.00}? 
9 ). My trail payment for the 3 months was {$1500.00}, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
10 ). My new monthly payment for the next 5 years is at {$1500.00}. 
11 ). How did they come up with those payment, where is my 2 % settlement agreement. 
12 ). Nation Star Congratulation Letter! States : You are eligible for a Home Affordable Modification. As previously described, if you comply with the terms of the Home Affordable Modification trail period plan, we will modify your mortgage loan and WAIVE ALL prior late charges that remain UNPAID, part of the settlement agreement. 
13 ). Section XXXX, is Misleading14 ). The Whole contract is Misleading. 
15. All Nation Star is doing is setting me up another Predatory Loan, same thing that XXXX XXXX XXXX did. 
I have not made the XXXX 2015 payment base of the New Modification Loan, because I feel and believed that I am going to have to go and get a Lawyer because No one is holding the Mortgage Company 's accountable for the settlement agree.
Consumer complaint received 2016-01-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Recovery Services, Inc. (MA)

I started communications via phone and email with this company QUALITY RECOVERY SERVICES INC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX in regrads an amount of money owed to Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Rental/Leasing Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$2300.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$2300.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes after resolution I 've disputed this account with XXXX numerous times and still have not received any resolution to properly handle this so called debt or even proper documentation that would proof or show that some sort of contract was made and signed by me obligating me to pay this amount of money, maybe a bill for services provided to me or of any goods sold to me but so far nothing I 've also talked on the phone to representatives from this company and i gave them my current mailing address, phone number and email so they could send validation of this debt but instead what they did was to use the information given by me to them as method to verify information with XXXX which ended my second attempt to dispute the debt through XXXX I have started a XXXX attempt through XXXX fraud dept to dispute this debt conf # XXXX initiated XXXX/XXXX/2016 with the purpose to help me close this item which is in the collections section on my credit report and that is currently hurting my credit score in a monthly basis preventing me from qualifying to apply for a mortgage to buy a house
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Radius Global Solutions LLC (MN)

I am not the person that owe this debt. They are contacting me on my work number and leaving a message on my voicemail ( where I say my name ). However, they state the person 's name they are trying to collect the debt from in the voicemail. I believe this is breaking soem sort of privacy protection laws under the FDCPA by leaving a message about someone 's debt on a voicemail that clearly does not belong to that individual.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I called to report a lost card. Spoke to an offshore help desk. They said they would replace the card and I would get a new XXXX in the mail within 2 weeks. XXXX4 weeks later I call again. They have no idea or zero record of me calling.l, and have mailed nothing. They asked for all my info again, said they would mail a new card. The next day I received the SAME card I had lost. I had to call again and get them to send a proper NEW card which would take another two days. Almost a month from my first call. Terrible customer service and zero comprehension.
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

We had water damage in XXXX of 2016 at our house. We received our check from the insurance company and then submitted all required documents and check to our Mortgage Company ( Penny Mac ) on XXXX/XXXX/2016. Even though we submitted ALL of the required documents Penny Mac would tell us that we were missing a document even though they had it. After a month of going through that they told me a check was cut on XXXX/XXXX/2016 and being overnighted. I received a Fed Ex tracking number on Tuesday XXXX/XXXX/2016 from Penny Mac that indicated my check would be delivered on XXXX/XXXX/2016 by XXXX. We did n't receive the check so on XXXX/XXXX/2016 I called Penny Mac and ask what the status was. Penny mac told me that I had a " zero balance '' and that a check for {$29000.00} was mailed through XXXX to us on XXXX/XXXX/2016. I told them we did n't receive it ... so I called XXXX ... they told me that the package ( my check ) was never called in to pick up ... so I called back Penny Mac who insisted it was picked up ... so I called XXXX back who track it back to Penny Mac and said they only created a label for it ... so I called back Penny Mac and they did admit now to not sending the check yet, but it would be sent XXXX/XXXX/2016 ay XXXX ... .so I called XXXX this morning ... .guess what? Surprise! No check was picked up. At this point, I 've made maybe a dozen calls and have done ALL I 'm suppose to do. I have significant damage to my house and just want to get back o normal. It 's been two months. Forget about the incompetence because there has definitely been a ton of that ... now Penny Mac is just flat out not telling the truth. I have done EVERYTHING I 'm suppose to do and now I 'm claiming Penny Mac is unreasonably withholding my check. I do n't know where else to go or who to turn to ... I 'm hoping you can help. I can much better explain this in person. Thanks for your help and consideration on this claim.
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (PA)

When with GMAC as our mortgage provider, we were contacted by XXXX XXXX ( affiliated with OCWEN ) to refinance our loan at a lower rate. When the loan information was presented to us, Freedom/OCWEN neglected to include our school taxes ( currently school taxes make up XXXX of our XXXX ). OCWEN has now come back, 1 year later, indicating that their Escrow projections were off and that we owe over {$5000.00} in taxes. Upon review, OCWEN admitted that the school taxes were mistakenly not included in the loan refinance documentation. The majority of the monthly reduction in the cost of the new loan was based on XXXX/OCWEN NOT including the school taxes as a part of Escrow, and this reduction was what they used to push us to move forward with the refinance. They have admitted the mistake. But thus far, we have not been compensated for their deceit.
Consumer complaint received 2016-12-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Credit Adjusters, LLC (VA)

I had several internet payday loans over the course of XXXX years. I have n't taken out any new loans in at least XXXX nearly XXXX years. In XX/XX/XXXX, I began getting bombarded with loan debt collection attempts, years after I was done with the loans I had had. I had calls from National Credit Adjusters, XXXX and XXXX, and XXXX. They called about a XXXX loan, a loan from XXXX XXXX, XXXX XXXX lending, among others. 
They all began the calls as pushy, trying to get me to resolve the issue right away, but I wanted to check on what they were calling about because some of the loans referenced had been paid off. In the case of XXXX loan, the lenders topped debiting from my account before the loan was over, I never stopped paying, they just would n't debit anymore. I got off the phone the first week the calls began, researching the legitimacy of the XXXX. I then stumbled on the fact that the loans I had, were all internet loans, and they were actually void in my state. The next time I got a barrage of calls, I answered or called them back, and as they were telling me that I was going to get taken to court, and I informed them most of the loans I had were paid back, but even if some were not paid in full I always paid every lender well over the principal balance, and the loans were void and unenforceable in my state. That sent the XXXX over the edge, and they would rush to tell me there was a chain of custody, and that the loans were completely legitimate, and were very ugly in how they addressed me. They were very irate and insisted they could take me to court no matter what, and that I would have to pay much more than I had even borrowed from the lenders, no even counting any of the payments I had made or the loans I had paid off.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Bread Financial Holdings, Inc. (MI)

HI my name is XXXX XXXX. On XXXX XXXX, 2016 i received an email from XXXX XXXX stating that a new credit card account was added to my account, in which i have n't had any new ones opened in over a year. So i took the time to look at what it was talking about, and i found a Account for Victoria Secrets, I have NEVER had any account for them ever. I looked further into it and found that Comenity Bank added my Boyfriend XXXX ( Card/Account Holder ) Victoria Secret Account to my credit report, in which, i am not on the account in anyway besides that i am allowed to speak with them regarding the bill only. not allowed to do anything else with the card. They Added me as a Authorized user WITHOUT my permission and without my boyfriends permission. They got My SSN & my Address somehow WITHOUT my permission and used it ILLEGALLY to add and Account that is NOT mine in anyway to my credit report and i 've sent them a letter to remove it and said they ca n't because i am authorized on the account to SPEAK with them. ( I am only allowed to speak with them, I am NOT JOINT on the account in anyway either. Before i got my lawyer involved he told me i need to report this to FTC and the directed me to contact you guys. This needs to be taking care of, it has taken a very big toll on my credit score and i am very unhappy that i have to deal with something like this. Let alone what Comenity Bank has done to me is Illegal. Please contact me back ASAP.
Consumer complaint received 2016-10-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

A representative called me earlier today, XX/XX/2016 in which they hang up quickly after I said I did not what they were calling about. At XXXX, XX/XX/XXXX, I called back and spoke with a rep, did not understand what she was trying to say her name was. However, I did hear her say several times she was going to sue me on the old debt and that the creditor was XXXX XXXX XXXX and XXXX. I need management to listen to this conversation because I recorded it and will be seeking an attorney for suit. I am XXXX years old and will not tolerate being treated this way. I have asked that calls be ceased previously and now I am receiving called from Portfolio Recovery Association threatening suit. My income is XXXX social security income without assets. My children take care of me financially. I would think this information such as assets, checking account employment would be verified before threatening. I am certain Social Security benefits can not be garnished.
Consumer complaint received 2016-08-19
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY (FL)

I have been trying for the past five to submit a request for assistant for my client who has a reversed mortgage with James B. Nutter & Company. I submitted all of the information requested by the Mortgage company including an authorization to release client information from my office. I was told that they would not use my Authorization, I have to use their own authorization. They forwarded to my their authorization and I completed. Thereafter, I was told that was the wrong authorization, to resend them a letter with my company letterhead that I represented the client along with the original authorization that I sent them the first time. Again, It has been over four months I am yet to be approved by James B. Nutter to get information on behalf of the client. At the present, the property is pending foreclosure. My clients do no want to lose their house. I need your held in assisting myself and my client.
Consumer complaint received 2017-02-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Got a call and voicemail from XXXX. No caller ID and asked me to call back XXXX and gave me a case #. Upon calling back they asked me to verify my address, SS # etc. I did not disclose any information and I asked what this was regarding. They said they needed to verify my case before they could give me any details. Then they asked about an old account/tradeline that was paid in full and closed in 2008 9 years ago. I told them this debt was paid in full and I no longer wish to speak with them. They were threatining to sue me and stated they sent an " official '' document to my address 45 days ago and because I did not respond with 30 days they are suing and I will be arrested immediately unless the debt is settled. I then explained the debt was paid 9 years ago and I am no longer interested in speaking with them about this matter. They hung up. I am concerned that I am a victim of Identity theft.
Consumer complaint received 2016-11-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The debt collector called and told me that if I did not set up a payment arrangement that second that they were going to send out the police and have me arrested for credit card fraud. I did nothing for I talk to the credit card company and try and set up payments but they would not accept my payment because I can pay them only what I could which was minimal. Even the debt collector would not accept my payment because they said they were too small and I told him that was all I could afford yet they still threaten to have me arrested in the IRS come after me if I do not pay this. It 's in the amount of {$840.00} and its portfolio recovery and they have not made a formal notice that the amount what the date is for and everytime I ask I wo n't tell me they just say they have the dead in their office and it 's {$140.00} and I need to pay it now.
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TN)

XXXX XXXX XXXX recently helped in getting my mortgage payments and to help avoid foreclosure. I signed the agreement and recently got notified that my pension would decrease {$760.00} in XX/XX/XXXX when I turn XXXX. Caliber did help me in trying to keep my home but the payments were changed from the trial amount to {$760.00}. Since I am loosing almost the amount of my mortgage payment I will still be facing hardship. XXXX said I qualified for a $ XXXX payment. Will u please work with me and lower my payments. I bought the home in XX/XX/XXXX when my daughter was a baby so she could have a place to call home which I never did. I worry always about having to move and need your help desperately. Please help me.. Bless you
Consumer complaint received 2016-09-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i have repeatedly told portfolio recovery that this debt is not mine and have received numerous phone calls and letters and have requested copies of charge slips or original agreement with XXXX bank or XXXX XXXX bank which is supposed to be the original creditor, and as of this writing have not received anything
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates is currently reporting a debt of {$620.00} on behalf of XXXX. XXXX has recently deleted the account from my credit report as of XXXX XXXX, XXXX after the first original 30 day delinquency was reported in XXXX XXXX and was never brought current during the 7 year period. Portfolio has contacted my former employer and myself after being advised not to. I have disputed this account with XXXX and I was informed that Portfolio continues to re-age the account which would allow them to report inaccurate information until XXXX XXXX. Under the Fair Reporting laws, Portfolio can not re-age the account and must list the original delinquency date of XXXX XXXX just as XXXX did before they stopped reporting. I have spoken with representatives at Portfolio regarding their reporting as well as reported them to the XXXX. Portfolio is within violation of the law and they are not allowed to report accounts after the seven year deadline. I have also had this information confirmed directly from XXXX therefore there is no reason for Portfolio to continue with their illegal practices.
Consumer complaint received 2016-06-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

My mortgage used to be XXXX before it was sold to Carrington by XXXX XXXX XXXX. My mortgage went up to {$1200.00} claiming low escrow fund.. 6 months later, went up to {$1200.00} no explanation, I found that my insurance increased, so that was understandable. I am current, I went to pay my {$1200.00} XXXX XXXX payment, as per my statement.. Went online and says Mortgage due is {$1600.00}. A {$400.00} increase with no explanation.
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

When I opened my citi gold checking account with Citi I was told I would get XXXX XXXX airlines miles if I met certain conditions. I chatted with a citi representative during the promotional period and they said I had met all but one of the requirements, an online bill pay, which I proceeded to then complete on XXXX XXXX. I still have not received the miles and I have contacted Citi 4 times over the course of a month about the issue with no resolution or even response from the appropriate team. I will attach the promotion details, the conversation I had with the citi representative promising the miles if I completed the bill pay as well as the statement showing the bill pay on XXXX XXXX. I have also attached the XXXX statement showing that I met the other requirements, but the rep conversation should be enough to show that those requirements were met.