davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I FILED A COMPLAINT ON XXXX XXXX, 2015 XXXX XXXX ) IN REFERNCE TO NATION STAR AND MY MODIFICATION PROCESS AND THE WAY IT WAS BEING HANDLED. AFTER THAT TIME I RECEIVED AND LETTER AND A CALL FROM NATION STAR STATING THEY DID N'T RECEIVE ALL THE DOCUMENTS FROM ME IN WHICH IT WAS N'T A TRUE FACT BECAUSE I WOULD N'T HAVE FILED WHEN I DID. SINCE THAT TIME I STARTED THE WHOLE MODIFICATION PROCESS OVER AND ATTENDED TO IT AGGRESSIVELY TO MAKE SURE IT GOT TO UNDERWRITING. MY MODIFICATION MADE IT TO UNDERWRITING ALL DOCUMENTS THAT WAS REQUESTED WAS RECEIVED. SO I HAVE TO CALL AND FOLLOW UP PERIODICALLY IN WHICH I DID AND I SPOKE TO A REPRESENTATIVE ON XXXX XXXX, 2015 AND WAS ADVISED THAT MY MODIFICATION WAS DENIED STATING THAT I DID N'T MAKE ENOUGH IN WHICH I ASKED HER CAN I HAVE THE DETAILS OF THIS DECISION AND I WAS TOLD THAT THEY SAID MY INCOME WAS {$3700.00} A MONTH IN WHICH IT IS NOT TRUE AND IS NOT IN MY MAKING HOME AFFORDABLE APPLICATION, NOR IS IT ON MY INCOME DOCUMENTS IN WHICH I HAVE PROVIDED. I HAVE A NET INCOME OF XXXX. XXXX A MONTH WHICH IS ENOUGH TO PAY MY BILLS. NATION STAR INSISIT IT 'S TRYING TO HELP HOMEOWNERS SAVE THERE HOMES, THIS WHOLE PROCESS HAS SAID OTHER WISE. I REALLY NEED HELP WITH THIS PROCESS ALL I 'M REQUESTING IS TO HAVE MY INCOME CALCULATED CORRECTLY AS STATED AND SHOWN IN MY APPLICATION PACKAGE AND ALSO I PROVIDED CURRENT TO DATE VALUES OF HOMES IN MY AREA TO GET A VALUE ON MY HOME BECAUSE IM UPSIDE DOWN IN VALUE AND ALSO THAT HELPS IN DETERMINING PAYMENT AMOUNTS. I PERSONALLY DID RESEARCH ON THIS GOVERMENTS MAKING HOME AFFORABLE PROGRAM AND IT STATES THAT IT EVEN HELPS A PERESON ON ( UNEMPLOYMENT ) HELP TO SAVE THERE HOME. IT 'S MADE TO GO THAT FAR AND THAT 'S GREAT ; BUT WITH NATION STAR THIS PROGRAM THAT 'S HERE TO HELP FAMILY 'S SUCH AS MINE IS BEING PRESENTED TO BE DISCOURAGING AND MENTALLY DAMAGING, BUT THIS COMPLAINT WILL INSIST THEY HERE TO HELP UNDER THIS GOVERMENTS PROGRAM ... ( PLEASE SOMEONE HELP ME WITH THIS PROCESS ), I HAVE DONE EVERYTHING THAT WAS ASKED OF ME, CALLED EVERYDAY, SENT ALL DOCUMENTS, SAT AND WAITED TO HAVE MY INCOME TAKING AWAY AND DEINED HELP ONCE AGAIN, TO HAVE MY FAMILY AND I ON THE STREETS ... THIS IS TOTALLY UNFAIR!!!! 

I HAVE ATTACHED THE MAKING HOME AFFORDABLE APPLICATION PROVIDING MY INCOME WHICH WAS NOT CORRECTLY APPLIED TO MY APPLICATION AND ALSO A COPY OF THE CURRENT VALUES OF THE HOMES IN MY AREA TO SUPPORT THE DOCUMENTS, ALONG WITH THE RMA APPLICATION ; TO HELP WITH MY CURRENT PAYMENTS OR TO HELP GET A CORRECT VALUE OF HOUSE IN MY AREA SUCH AS MINES. THE ATTACHED SUPPORTING DOCUMENTS THAT WAS PROVIDED TO NATION STAR TO HELP SUPPORT MY COMPLAINT. I WAS ONLY GIVEN CREDIT FOR {$3700.00} ; WHICH IS AN INCORRECT AMOUNT. IF YOU MINUS MY BOTTOM LINE NUMBER MY INCOME IS GREATER THAN WHAT WAS IMPOSED IN THE MAKING OF THEIR DECISION AND ALSO IF YOU 'RE MAKING A DECISION OFF CURRENT VALUES MY INCOME CAN WELL SUSTAIN MY MORTGAGE PAYMENT.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX, XXXX I am writing a letter to file a complaint and stop any unwarranted foreclosure proceedings with Bank of America. Bank of America provided me with an application for a Home Loan Modification. I wrote back XX/XX/XXXX that the bank needs to wait until I file my tax return that the bank requires in order to have a Home Loan Modification. 

I received a letter on XXXX indicated that I was denied, because I was not employed. The information that was evaluated was XX/XX/XXXX ( prior information ). 
I am employed and I wanted a home loan modification. 
Then afterwards I received a slew of follow up letters of foreclosure proceedings. I thought this Bank would clean itself up. However, it is clear that Bank is causing problems. 
I get a statement of what I owe, which is totally inaccurate when I am making my payments. My property taxes have been paid as well. 

I am requesting an investigation and restitution, because Bank of America Does not want to follow any guidelines. I am also asking that the bank will Stop all foreclosure proceedings until my application is complete this month. 

I appreciate your consideration.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

I fill I was overcharged with fees, expenses and other charges on a loan modification agreement with my mortgage company ( American Servicing Company ). My mortgage ballooned from XXXX to XXXX dollars during the housing market crash in XXXX. 
I was in a bankruptcy situation with my house and was told to stop any payments on the mortgage during the bankruptcy. Well almost 3 years went by without any payments or contact with my mortgage company. They told me with the amount of other bankruptcies that they were overwhelmed and that they would get back with mine when they can. I was desperate to save my house so I waited for almost 3 years with no payments. I finally agreed on a loan modification so I had a home for me and my wife to life in. 
The problem is I fill is the amount of late fees and other expenses and almost 3 years of mortgage payments that were all of the sudden added to my mortgage. 
My mortgage went from {$250000.00} to {$330000.00}. {$72000.00} was added to my mortgage. 
principle {$250000.00} interest {$56000.00} escrow {$13000.00} late fees/nsf fees {$2600.00} recoverable expenses {$4300.00} {$72000.00} added to a mortgage from someone who is in bankruptcy already who is having trouble paying there mortgage to begin with, to telling them not to pay anything for almost 3 years then add all that interest, late fees, recovery expenses and escrow money seems like this should have been illegal. I thought 3 months was the amount of time for a bankruptcy, not 3 years. The loan modification should have been denied to me. I signed it at the time because I was desperate to save my house. Now the mortgage is getting to be to much for me.My question is there anyway I could find some relief from these charges or have some of these fees and charges reduced to lessen my mortgage. The total amount of money I borrowed to begin with was {$170000.00} to purchase my house 13 years ago, now I owe almost {$330000.00}. I am way underwater now on my mortgage. American Servicing Company which is owed by Wells Fargo was my mortgage company at the time. And I now know Wells Fargo has done criminal activity and am wanting to see if something illegal or something wrong done in my situation to add so many expenses to my morgage. 

My complaint is with American Servicing Company from XXXX loan modification agreement. American Servicing Company has since moved my mortgage to XXXX who is know handling my morgage.
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

XXXX/ Navient. We paid off the final balance of our bill on XXXX XXXX, 2017 ( almost {$10000.00} ). Almost a month later ( on XXXX XXXX ), they " pulled '' another monthly payment for {$220.00} from my bank account. I called and asked for a refund, they said they 'd send it within " 30 days of the last payment '' ( which THEY created and pulled ). There is no option on their website to STOP their pull payments. The representative on the phone lied and said it was a push payment from our bank -- which is completely and veritably false. I suspect they are doing this to all of their clients and making money off the interest.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 1. The name and address of the original creditor and current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Please state your permissible purpose for accessing my credit information. I dispute your right to do so. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matte
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Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Since XX/XX/11 I have placed 10 calls to Equifax to resolve an issue I am having obtaining my credit report. My credit is not updating and can not be access myself or lenders for review. Each call they claim they have removed a block and I should be able to access it but each time it has failed to work.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Back in XXXX bought a car. XXXX down payment of {$4000.00} cash {$2000.00} rebate apr 0.9 percent retail price of the car is {$24000.00} and monthly payment of {$440.00} for 6 years thats what i sign for suddenly my contract change make story short i was paying $ XXXX monthly and the interest almost half of what i pay. My down payment of {$4000.00} and rebate {$2000.00} never deducted from my account. I have the history of the payment.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2015-10-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

In 2006 I purchased a XXXX Ford Taurus from a local used car dealer. The contract was through XXXX XXXX XXXX for 72 months at XXXX per month. I had enrolled in a XXXX school to change careers so I needed the car. A short time later, I received a letter in the mail informing me that my loan had been sold to Santander of XXXX and that they needed me to sign a contract in order to keep my loan current. After I signed the paper it seemed that I was already late on my loan. I continued to make the payments until I had a hardship. I called Santander and asked if they would roll my payment over to the end of the loan. They were all too happy to help. I think I had to do this two other times as I was in school full time. When I got to the end of the contract I noticed that I owed something like XXXX at the maturity of the loan. I called Santaner to ask what the error was about, and I was informed that it was n't an error because they compound interest daily and since I was late from the beginning of the loan that I still owed the money. I paid the last payment ( 72 ) as per my contract with XXXX XXXX and considered the loan paid in full when I sent the last payment by check. After a few months a truck came to my door at XXXX XXXX and took my car that I had paid over XXXX for. At this point in time my wife was using the car to go to her Dr. appointments. Santander has stolen my car, took my money, and damaged my credit, and continues to put CO ( charge off ) on my credit report every month. I got advise from an attorney and the law firm I used said that Santander did nothing wrong. I contacted the Attorney General in Texas and I was informed that they would not speak to him because he was n't on my account. To this day Santander Consumer USA continues to damage my credit.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$270.00}, 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 consent
Consumer complaint received 2022-06-20
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 was young and I didn't know anything about credit, once i got older i realized that my identity was used, i was not aware of this happening. i did not know anything about credit around the time this happened and i need this to be removed because it is hindering me of obtaining credit, apartments, a car and more. I have a fraud XXXXXXXX XXXX  on my credit report that needs to come off. I contacted XXXX and keep the getting the run around!
Consumer complaint received 2015-07-27
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a new complaint. In the after math of successfully completing a mortgage modification from bank of america stemming from the XXXX 2014 settlement with the Department of Justice, boa voluntarily withdrew the suit filed against me. 
My mortgage statements show or state that I owe a total of {$370.00} in litigation and or litigation management fees. I sent my attorney the mortgage statements that showed this information. My attorney has contacted the law firm, listed on the former suit, a few times asking for proof that these fees can be charged to me and as of this writing no response has been given. 
All the information in the transaction activity of my mortgage statement is concerning to me. I see and understand the transactions concerning the modification but I do n't understand the following fees even though they show that they are paid ( I 'm guessing from the modification terms ) - they are : unapplied funds reversal XXXX ( which I assume went to pay for these successive itemized charges ) Attorney/Trustee fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX separate entries for property inspections at {$15.00} each = XXXXTitle Fee XXXX '' '' XXXXCourt Filing Fee XXXXMailing Fee XXXXRecording Fee XXXXLitigation Management Fee XXXX '' '' XXXX '' '' XXXX '' '' XXXX '' '' XXXXProcess Server XXXXWaive/Adj LateChg XXXX '' '' XXXXUnapplied Funds Posted XXXXUnapplied Funds Reversal -XXXXPayment Posted XXXXI don '' t understand how my account can be charged for any monies/charges stemming from the suit boa filed. boa voluntarily withdrew the suit therefore the court did not state which party was liable for legal fees and for which fees or the total amount the party would be responsible for paying. My attorney and I can not find any wording in the modification that states these fees can be charged and or acceptable fees I have to pay. 
If the XXXX unapplied funds reversal went to pay for above stated paid fees from monies forgiven in the modification then I believe that money should either go toward the mortgage principle amount or returned to the settlement pool from which it came from. 
bank of america 's legal fees should not be paid by me or the mortgage modification forgiveness monies. If they believe they should be reimbursed for any legal fees they should have not withdrawn their suit or file a suit to decide who is responsible for those fees. 
This last bit is more for preemptive measures versus an additional complaint. I am reading many complaints from successful mortgage modification homeowners that two to six months into the permanent mort. mod that boa is claiming missing documents from these homeowners and voiding the mot. mods. I feel this is very worthy of applicable agencies investigation ( s ). I will certainly file various complaints if this does occur with my permanent modification.
Consumer complaint received 2016-03-09
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Augusta Collection Agency, Inc. (GA)

Augusta collection agency has been threatening to arrest me because of a past due medical bill. They stated that they would send the sheriff to my job. Under distress, I signed a payment agreement that I would pay them XXXX dollars a month and I would pay the remaining balance in XXXX if I received a tax return. I only received XXXX dollars on my Federal return and I owe the state XXXX and they are threatening to sue me if I do not let them have my tax return information.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX, my husband and I refinanced our Mortgage and got the " Pick-a-Payment '' mortgage loan through XXXX XXXX. Later this adjustable interest loan was bought by Wachovia Bank and later Wells Fargo Bank. We were in the process of refinancing this loan through Wells Fargo Mortgage ( our house is in our joint Living Trust ) when my husband passed away in XXXX XXXX. I continued the re-fi application in XXXX and by XXXX/XXXX/XXXX, Wells Fargo declined the application only to have our consultant call on XXXX to say that they could do the new loan. I have submitted numerous documents regarding the Living Trust, our wills, income/employment/business information plus paid the {$500.00} appraisal fees. Today ( XXXX/XXXX/XXXX ) I have still not heard that the loan is approved and the interest rate increases every year for the XXXX payment. 
In XXXX XXXX, we were sent a {$160.00} check for settlement of the XXXX XXXX Wachovia Bank, Wells Fargo & Company, Wells Fargo Bank , N.A . ; and Does XXXX for XXXX XXXX. XXXX XXXX to settle a lawsuit regarding these predatory " Pick-a-Payment '' mortgage loans. We decided not to cash this check and still have it in my possession as cashing it you relinquish all future legal recourse. This is a predatory loan and I will be seeking all legal resolution if my refinance is not processed within 10 days.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc. (FL)

On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. 

What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. 

See attached leeter.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I applied for a loan through Bank of America on XXXX 2014. Prior to that we got a pre-qualification letter signed. They denied the loan after an extension was made after a signed 30 day escrow due to a Fidelity Bond issue. They collected upfront a {$470.00} appraisal fee, {$75.00} Bank of America 's own Homeowner 's Association Certificate, {$50.00} XXXX XXXX XXXX doc 's. The condo appraised for more than the asking price, our debt to income ratio was good, we had an excellent FICO Score of XXXX XXXX 20 % - 25 % down. We signed a XXXX escrow with the buyer, which the owner extended for Bank of America due THEIR to the Fidelity Bond issue. Bank of America wanted the owner 's ( XXXX owner 's in total ) of the condo to have a Fidelity Bond ( NOTE : NO OWNER handles the money, it is done by a professional company, The XXXX XXXX ). The XXXX XXXX handles repairs, maintenance, collecting HOA dues, etc. Bank of America decline this loan for the sole reason of this Fidelity Bond issue. This left us all hanging including the owner and realtor for an extended time XXXX XXXX, 2014. Bank of America would not refund {$600.00} total from all the fees we paid upfront even when this was solely their call and not within the XXXX Guidelines.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (GA)

Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX They Wasnt Supposed to pull my credit