davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Accelerated Financial Solutions, LLC (PA)

Beginning during XX/XX/XXXX a collection agent called asking where I could meet their " process server because they were going to sue me for {$800.00} that I owed XXXX XXXX XXXX ''. According to XXXX XXXX. I owe them nothing and all accounts that I did have were closed and paid in full. Demanding that I pay the full amount at XXXX. They gave me no information about who they were or who they represented. They are so persistent that they have called my cell phone at least XXXX to XXXX times a day if not more. When I asked for an address they refused to give me one. Because of their actions, I felt that in order to obtain the company name and address I had to set up a payment arrangement so that I could obtain an address. ( exhibit # XXXX ) These statements clearly shows that AFS 's actions cause Duress as stated in 18 Pa. C.S. 309, Entrapment 18 Pa. C.S. 313, by threats of a lawsuit. By not first telling me who they were or why their actions so that I could properly investigate and ask questions their actions clearly violate Pa C.S.18 3922 Theft by deception, Pa C.S.18 3923 Extortion, Pa C.S.18 4114 Securing execution of documents by deception, Pa. C.S. 18 4107 Deceptive or fraudulent business practices. 
On Friday XXXX XXXX, 2015 they once again called demanding {$800.00}. Since I will not deal with them directly they have started calling my wife XXXX XXXX, demanding the money out of her saying that they would sue and put a record judgment on me if the full amount was n't paid that day. The individual that spoke with her gave her, not only my name and social, but her full name and social security number as well. In the arrangement they give no name of the prior lender, no account number, nothing. They have called my place of business ( XXXX XXXX in XXXX ) XXXX as well as my wife 's place of business, ( XXXX XXXX XXXX ) where she is XXXX. On XXXX XXXX, 2015 I received this email ( exhibit # XXXX ). On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX called XXXX XXXX which is my place of employment tonight looking for me.
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (LA)

I received a letter in the mail that my credit limit had been reduced. Macy Department Store is reducing peoples credit, the reason is they say there system automatically reviews the account every XXXX and it 's based on information they receive from XXXX every month. I think this is crazy and who gives them your information on other credit you have every XXXX days.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (VA)

I live in XXXX and have so since XX/XX/XXXX. I have been contacted by a debt collection agency that I owe a debt of XXXX. I called and they said I owed XXXX. They said I had service at a address I never lived at and it was opened in XX/XX/XXXX to XX/XX/XXXX. I called a filed a police report and called XXXX. So I wrote to the agency immediately requesting to dispute and press charges. I get a letter a week later saying due to lack of information provided they been unable to complete my investigation. When I wrote them, I sent them the lady name which is XXXX XXXX XXXX and also her current address and current phone number. I do n't go to XXXX and have n't been since I left. I know XXXX from living on the same block with my mom. I had opened a welfare case and when we moved I vlosed my case and never had my mail forwarded and I 'm thinking she got it from mail. I know XXXX fraudulently used my information and I had no knowledge of it. I contacted XXXX when I received the letter but of course she denied using it and said that she lived at the address but do n't know how this could of happened and stated that she know I never lived there. I aslo told her I was pressing charges. She said she will wait on them to contact her.Please help. I looked on my credit report and it was never on my report. So this has been haunting me down XXXX years and how can I find out what else she might have used my information for? Thanks in advance for your help.
Consumer complaint received 2016-05-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Despite many attempts, the bank continues to report incorrectly to the credit bureaus an account that was closed. The bank refused to acknowledge that the account was reported as charged off when a payment had been made before the anticipated date of to prevent to prevent a charge off classification. Although I tried many times to have the record corrected the bank refused. 
I gave up trying to get the bank to correct the record. Later, the bank offered a discounted pay off which was supposed to eliminate the charge off status and replace it by account settled at less than the book balance. The bank agreed to eliminate the charge off code. I made all the agreed payments but the bank did not change anything. 
I contacted the bank again to let them know about the error in the credit report. The bank sent me a letter indicating that changes have been made ; however, my credit report continues to report the account as charged off and now also as settled for less than the book balance. The bank used unfair and deceptive practices to encourage payments and then does not comply with the terms agreed at the time of the collection call and to continues to affect the customer 's credit despite an earlier resolution. My statement can be demonstrated by the recorded conversation the bank always makes on all collection calls. 
I am asking the bank to remove the charged off code. I am hoping that the bank would not deny now that there is recorded conversation. If they do, that is a false representation ; which they probably follow by asking me that if I have written evidence of the conversation to send it to them. Obviously, it impossible to comply with that request and they know it, but they do have it the evidence required and always refuse to produce it. 
Your cooperation is appreciated XXXX XXXX
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My mortgage is serviced by Greentree Servicing. I pay my mortgage twice a month- one-half on the XXXX of the month before it is due, and one-half on the first, when it is due. Greentree has several times applied the mid-month payment to the principal of my mortgage instead of treating it like a payment, and then they consider me delinquent on my payments. They then start calling me about payment, and sometimes those calls are incredibly offensive, with nasty people treating me like a deadbeat and asking if they should start foreclosure, etc. When I call them back they see that I have been paying like clockwork and the get my account straightened out and do n't charge any late fees. 

This happened again XX/XX/XXXX, but I missed the error until recently, when I noticed that the statements were more in error than they normally are ( there are always XXXX differing sources of the status of my account- the mailed statement, which is always in error, the amount given in a voicemail from some Greentree person dunning me for a payment I do n't owe, the amount given by their phone system when I call them, and the amount given by a live person when I call ). This time when I called they said that because the year end had passed they could not fix the error, meaning that I had to come up with an extra half-month 's payment in order to get my account current. I then spoke to a supervisor who verified that there was nothing they could do. She also said that by default whenever they get a payment that is not exactly what the monthly payment is, it gets applied to the mortgage principal instead of being credited as a payment. 

I believe this is a predatory practice conducted by Greentree, the intent of which is to increase income from late fees. This practice needs to be investigated and either federal or state authorities need to order Greentree to stop this practice.
Consumer complaint received 2015-03-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

My mortgage with GreenTree Servicing LLC was {$620.00} for a year when it was modified and transferred from XXXX XXXX XXXX. XXXX XXXX, XXXX, I received an Escrow Account Disclosure Statement stating my mortgage will increase to {$680.00} for the following year. Then I received another Escrow Account Disclosure Statement XX/XX/XXXX stating my mortgage will increase to {$830.00} for the new year. The explanation I was given for these increases were there was a delinquency or deficiency escrow balance of {$6000.00} or more from my previous servicer- XXXX. I therefore requested, in writing on XX/XX/XXXX, that Greetree Servicing provide me with evidence of this delinquency or deficiency escrow balance from my previous servicer- XXXX. I have received several form letters from Greetree Servicing saying they are working on it with delivery dates of resolution that have not been kept. This will be my XXXX month paying the {$830.00} mortgage payment with no evidence to support the delinquency or deficiency escrow balance from my previous servicer- XXXX. 
Furthermore, my mortgage is HAMP loan and I have been with Greetree Servicing for a year. According to my HAMP loan agreement I am supposed to receive an incentive payment of {$1000.00} to my principle balance once a year after the anniversary date. I wrote a letter on asking for a written explanation of why I have not receive this incentive payment according to the Actuarial Payment History Greetree Servicing sent me on XX/XX/XXXX. I made my inquiry in writing on XX/XX/XXXX. I have not received an answer for either of these concerns as of yet.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

My loan contract specifies that the lender/loan servicer may force place insurance for an amount no greater than the principal balance of the loan. The annual premium for the insurance should be significantly less than {$500.00} annually based on the principal balance of approximately {$110000.00} as of XXXX XXXX, XXXX and {$100000.00} as of XXXX XXXX, XXXX. Nationstar is charging me approximately {$7000.00} annually, which is equal to 7 % of the principal balance! 

When Nationstar assumed this loan ( XXXX XXXX, XXXX ) they rejected my usual payment which I make through an automatic schedule with my internet bill paying service. I was unaware that Nationstar had rejected my regular payment until I received a collection call. The caller stated that my regular payment was " insufficient '' and that Nationstar required an additional {$260.00} per month. The caller told me that my real estate taxes had apparently increased. I knew that was not true so I asked to be transferred to the Insurance Department whom I informed that I did not wish insurance beyond that required by my contract. I was not named as Insured when Nationstar assumed this loan, why it decided to make that unilateral change is a mystery ( unless there is a profit in it for Nationstar ). 

Despite two more phone calls to protest and promises that the monthly billing would be adjusted to reflect the change, Nationstar has continued to bill me for insurance that I did not request and to which I did not consent. If I do not include the additional {$260.00} per month with my regular payment, Nationstar will not post my payment. This is extortion.
Consumer complaint received 2015-12-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My home loan was transferred to Nationstar Mortgage from XXXX XXXX in XXXX 2015. Prior to the loan being transferred, XXXX XXXX honored the 15 day grace period for loan payments made online, as outlined in my Note and Mortgage. However, the first month that Nationstar Mortgage was servicing my loan, I made my payment after the XXXX of the month and found a {$9.00} " late fee '' assessed to my account solely due to the fact I made my payment online after the XXXX day of the month. This fee is unscrupulous as it contradicts the 15 day grace period as agreed upon in my Note and Mortgage. I was never made aware of the fee through separate letter ; I had to call Nationstar Mortgage 's customer service department to find out the information. They bury it in the monthly statement under the heading " Payment Options ''. I do not feel it is fair to punish people who make their payments on time, who are current on their mortgage payments and during the legally allowable grace period. Some people do not get paid during the first week of the month and the 15 day grace period allows flexibility to all. 
I was happy to refinance my loan in XX/XX/XXXX to XXXX XXXX only to receive a letter last week that my loan is now being transferred once again to Nationstar Mortgage. Again, I feel this matter should be looked into as it goes directly against the verbiage as agreed upon between Mortgagor and Mortgagee in the Note and Mortgage. I do not want to be subjected to unnecessary and illegal fees. 
Thank you for your time and consideration.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am in the hardship program and owe for two months. Using their online service, I submitted a payment for {$300.00} ( all I can afford right now ) only to discover a few days later, they withdrew {$1100.00} from my account instead. This then sent my checking account into a downward spiral, negative balance, and sent me into a huge confrontation with my credit union that charged me {$120.00} in fees. I think what I find so disturbing is all the complaints exactly like mine on the Internet despite all these " regulatory '' agencies that are obviously NOT doing their jobs. There are thousands of complaints about this company!! What company is as much of a nightmare as this one year after year after year and NOTHING HAPPENS TO THEM? Companies that have done far less have been shut down. XXXX? Right now I am demanding Nationstar refund my money/reverse the charge and return the funds back to my checking account. I have filed a complaint with the CA XXXX as well. The real point is no one cares in any of these agencies because if they did, this company would NO LONGER EXIST. Advice : do n't give Nationstar access to any of your accounts. Delete the info from your online account. MAIL in your payments.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

1. XXXX, AS TRUSTEE FOR THE SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST MORTGAGE LOAN ASSET-BACKED CERTIFICATES SERIES XXXX filed its foreclosure action on XXXX XXXX, XXXX. 
2. A Final Judgment of Foreclosure was entered by the trial court on XXXX XXXX, XXXX. 
3. The Final Judgment of Foreclosure scheduled a mortgage foreclosure sale date for XXXX XXXX, XXXX. 
4. The Plaintiff and the Defendant, XXXX, entered into a Stipulation Agreement which was ratified and adopted by the Court on XXXX XXXX, XXXX. Pursuant to the Stipulation Agreement, the foreclosure sale was cancelled. 
5. Defendant, XXXX, filed for relief under Chapter XXXX of the United States Bankruptcy Code on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a number of payments to the Plaintiff on the subject mortgage during the pendency of her Chapter XXXX Bankruptcy Case. 
6. Case No. XXXX was dismissed on XXXX XXXX, XXXX. 
7. Defendant, XXXX, filed a second Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a series of payments to the Plaintiff on the subject property during the pendency of her second Chapter XXXX Bankruptcy Case. 
8. Defendant, XXXX, second Chapter XXXX Bankruptcy Case was dismissed on XXXX XXXX, XXXX. 
9. Defendant, XXXX, filed her third Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. 
10. During the pendency of her third Chapter XXXX Bankruptcy Case, Defendant, XXXX, sought modification of the mortgage that is the subject of this mortgage foreclosure action. 
11. On XXXX XXXX, XXXX, the Honorable XXXX, United States Bankruptcy Judge entered an Order Approving Second Amended Mortgage Modification. 
12. The Bankruptcy Court 's Order Approving Second Amended Mortgage Modification effectively ratified the Mortgage Modification Agreement between the parties resulting in a new mortgage obligation and agreement. XXXX 13. Plaintiff has scheduled a foreclosure sale date of XXXX XXXX, XXXX. 
14. The Court scheduled and conducted an evidentiary hearing to determine whether to cancel the scheduled foreclosure sale based upon compliance with the mortgage modification and whether to dismiss the case. 
15. The evidence and testimony presented at the evidentiary hearing clearly established that the borrower had complied with the payment terms of the modification agreement and that the servicer was refusing to honor the modification agreement because a signed copy was never returned to the servicer.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

At the end of XXXX, I noticed on the NationStar website that my mortgage payment was to increase by {$1200.00} for the XXXX payment. My mortgage payment was going from {$2200.00} to {$3500.00} from XXXX to XXXX. When I looked at the escrow I noticed that they charge me twice the PMI amount for a couple of months. I also noticed that they estimated that the county and city taxes will be paid twice a year instead of once a year. When I called them to bring it to their attention, they also let me know that they had the wrong parcel number for my home. Next, I demanded that they re-submit an escrow analysis because the increase was ridiculous. They are refusing to do so until they get updated information ( which I do n't see them lifting a finger to get ). I 've been fighting to get them to update my escrow analysis for 2 weeks now and every time I call them I have to start over. Now I 'm having to run around and collect all the necessary documents because they are just going to stick with what they have even though the numbers do n't make any sense.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar LN XXXX XXXX XXXX CA XXXX This is a HAFA short started XXXX/XXXX/16 with Nationstar. Nationstar set it up in their auction system and the auction was completed on XXXX/XXXX/16. On XXXX we were finally told that the current offer we have in place ( that was submitted at the beginning of XXXX ) had 'won ' the auction. We got the required addendum and HUD in to the negotiator the NEXT DAY - XXXX/XXXX/16. It is 2 weeks later and we have been waiting on an approval letter since then. On XXXX/XXXX/16 the negotiator said they had to fix some internal valuation document. Now, today, he is refusing to work on the file or even review it to see if they have finally have everything they need to issue the approval letter that should have been started on XXXX/XXXX/16. 

Nationstar at this point is outside of Treasury HAFA guidelines by more than 60 days. Today we get a snarky email from the negotiator stating basically he has other work to do and he will get to it when he gets to it and we can shut up. 

This is unacceptable. Treasury Guidelines state there must be a decision within 30 days. Nationstar continues to make up excuses to further defraud their investor - likely they are mad they are n't getting the 5 % Buyers Premium from their fake and fraudulent " auction '' program thru XXXX - which they have recently changed names to XXXX.
Consumer complaint received 2016-05-27
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (CA)

XXXX repossessed a XXXX sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. XXXX sold this account for pennies of the dollar to Calvary portfolio Services of XXXX New York acct # XXXX wo called me at home atd told me I was a XXXX who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. XXXX did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only XXXX but not XXXX
Consumer complaint received 2016-04-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (OH)

XX/XX/XXXX paypal was going to charge me {$16000.00} when a buyer wanted to charge back all her purchases for 3 months to myself and about XXXX other merchants. We all submitted positive proof of her making the buys including government Id and her holding photos stating she was making the purchases. Paypal at first sided with all us merchants, and then later reversed themselves and charged us all with the purchase amounts. Every merchant then filed with the FBI and eventually the FBI investigated and seized her computer and the pictures were still present proving she made the purchases. Also we each filed with the CFPB against paypal and paypal then issued each of us credits for the chargebacks because paypal " violated its own policies '' regarding chargebacks. At the time paypal instituded a {$200000.00} reserve on my account for selling only, which means I would have to deposit {$200000.00} or sell {$200000.00} before I would receive any money. Paypal withheld all my remaining money at the time which was about XXXX into the reserve. So for the past year, I have n't sold anything. I only used my paypal to pay for things and had no problem with this arrangement. A couple days ago, however, paypal limited my account for no reason at all. I called in and customer service could n't find any reason why it was limited though they thought it was probably due to the XXXX XXXX XXXX incident ( the lady who tried to charge back {$16000.00} ). So now I ca n't use my account at all and paypal has been holding my money for nearly a year. The name/email of an FBI agent on the case is XXXX XXXX [ XXXXXXXXXXXX ]. He can verify what I said is true.