davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

I had my original mortgage with Quicken Loans and then refinanced twice. This last time was the worst of XXXX bad experiences. 

Each time I communicated with Quicken I was given conflicting information leading to mass confusion. I think Quicken is engineered to confuse. I believe they do this to maximize their fees. I have kept a journal of each person with whom I spoke. No one was willing to put the results of the conversation in writing so I could prove the discrepancies in speaking from XXXX person to the other although the calls are recorded by Quicken. 

Finally, after closing the loan in XXXX, I received a statement on XXXX XXXX for an XXXX payment that was not correct. It was the payment based on my old loan and was more than {$200.00} than my current loan should be. I called and spoke to XXXX. She told me the statement went out before my new payment was calculated and that " You do not have any payment in XXXX. '' On Friday, XXXX XXXX I received a statement for a payment due XXXX XXXX. I called and stated I was told no payment was due. I spoke to XXXX XXXX in " senior management '' who told me indeed the XXXX payment was due XXXX XXXX. I had a sense he did not believe me that I was told otherwise by XXXX and I found him abrasive, at best, and cutting me off in mid-sentence. 

I did not budget for an XXXX mortgage payment and having a week 's notice imposes a budgeting hardship.I think Quicken should assume some responsibility for this mistake. Waiving the interest for XXXX seems reasonable.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brightwater Capital, LLC (AL)

Bright Water Capital has placed the same XXXX XXXX credit card with several of their agencies. First it was with XXXX XXXX XXXX XXXX who disclosed my personal information to a third party person, a cease collection was sent to them. 

Next Bright Water sent the account to XXXX XXXX XXXX XXXX. I was able to negotiate a settlement amount with them and have been paying this account since XXXX XXXX, 2015. I have enclosed this agreement. 

On Wednesday, XXXX XXXX, 2015 a XXXX XXXX called me from XXXX XXXX XXXX, he said that they are with Bright Water Capital. He was trying to collect on the XXXX XXXX Account that was placed with his company on XXXX XXXX. I told him that I do n't know why it would be placed with XXXX XXXX XXXX, I have a settlement agreeement with XXXX XXXX XXXX. XXXX XXXX stated that XXXX XXXX XXXX lost the account for Bright Water Capital due to settlement deals like this and that I need to pay {$4000.00} to XXXX in order to close this account. 

I stated that No, I have a settlement agreement in writing with another Bright Water Capital client, why would I stop that and pay double my agreeded amount. I hung up and then a XXXX XXXX XXXX from XXXX called and said that he was XXXX XXXX 's Supervisor. I informed him of my settlement agreement and he told me the same story as XXXX XXXX. I told them I am calling XXXX XXXX XXXX and he said that was not a good idea. I hung up and they called me three times after that and left a message for me to call them back regarding the debt. 

It is clear that Bright Water Capital is trying to collect on the same debt more than once. I am concern that this is reporting incorrectly to the credit burea. 

I 'm not sure which company to believe. How do I know that my payments are going toward the XXXX XXXX Account.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2016-07-22
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I requested international wire transfer at Bank of America on XX/XX/2016 to family member for medical assistant. I gave all the needed details and provided my EDL Enhanced Driver License ( which implies I am US citizen ). was charged {$45.00} transfer fee + {$7.00} other fees. The remittance transfer receipt indicated that the funds will be available on XX/XX/2016 or sooner. Funds were not available after 2 weeks of the wire transfer which triggered me to go to the bank and met again with same Bank of America representative. She said they need more information. she asked if am US citizen and she need the passport number. I told her that I am and she took the EDL information again. she said the money should be release soon and she would let me know once the money is sent. a almost a week later, I was not contacted and the destination bank indicated still have the information but funds are not available and still held in the source. today is three weeks after the wire transfer and do not know where the funds are.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (UT)

GC Services was hired by XXXX XXXX to collect on a debt that belonged to my ex-wife. I wrote them a letter within the 30 days required contesting the debt and requesting verification. In response I received a letter asking that I call a representative to discuss the debt. No verification of the debt was enclosed in that mailing. I called the representative, who merely tried to push me into paying on the debt. I declined to do so, and sent a second letter requesting verification of the debt. They did not send the verification ; instead, they sent me a letter advising me that the debt had been reported to credit bureaus. 

While CG Services has resolved the issue ( after I filed complaints with the State Attorney General 's offices in Idaho and Utah ), it should still be noted that they violated the Fair Debt Collection Practices Act by failing to provide verification of the debt. Which they did n't have ... probably why they would n't send it.
Consumer complaint received 2018-01-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

We were granted Forbearance on our mortgage payment for the month of XXXX 2016 because were declared a national disaster area by FEMA. That mortgage company sold our loan the same month to a different mortgage company and said they would " reach out to us to discuss payment of the missed XX/XX/XXXX installment ''. No one ever did. 
The new mortgage company, Cardinal, does not seem to recognize this. They have sent us past due letters and I have called their customer service many times to try and get it straightened out. 
I will be attaching a timeline of all of our payments and the confirmation numbers and dates. I also have itemized with whom we spoke, where and what time. The last call being to a supervisor named XXXX who said he would look into it and get back to us. He did not. We are receiving past due 2 months letters, and yesterday a phone call to my wife that they are reporting it to the credit bureau. Plus a letter just came saying they are going to take our house away. 
A complete timeline of my efforts is attached.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (LA)

XX/XX/2012 I was in an ATV accident and went to XXXX XXXX XXXX hospital XXXX in XXXX, XXXX. After returning home almost a year later I was contacted by a collection agency that said I owed money for my medical bills. I have XXXX XXXX XXXX XXXX health insurance. The amount of one of the debts is {$690.00} and the other is {$540.00} and the collection agency said that I owed the money to XXXX which was not part of XXXX XXXX XXXX hospital. Upon finding out this information I called my health insurance agency and had a three way conversation with the collection agency and my health insurance representative, which stated that the bill was " not reported in a timely manor and the contract that XXXX has with the providers states that if the bill is not reported in a timely manor that the patient is not responsible for the bill. '' The collection agency ( commonwealth financial based out of XXXX, XXXX ) stated that they would resolve the situation and then transferred my XXXX XXXX representative to XXXX at which time the XXXX representative stated that the XXXX representative was correct and the debt would be expunged. Since then I have been contacted twice from common wealth financial trying to collect the debt and have went through the process both times again. I have just recently went to get a mortgage loan to find on my credit report that the Common wealth financial is still reporting that I have not paid this debt.
Consumer complaint received 2015-05-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I sold my home on XXXX XXXX on a short sale. I called Bank of America several times after XXXX XXXX, 2015 to report that my bank account was showing that the loan was still owing and that a payment would draft on XXXX/XXXX/15. I was told repeatedly that everything was fine and that would n't happen. On XXXX/XXXX/15, the payment did come out of my bank account. I called immediately and was directed to my " case manager '' in the short sale process. She is the same person I had tried to get ahold of for weeks but kept getting to someone else. I did speak to her. She could not see the payment since it would post the next day for her to see. She scheduled an appointment with my for the next morning, XXXX/XXXX/15, at XXXX PST to call me. She never called. I called her several times to no avail. And as of XXXX/XXXX/15, her department no longer has voicemail. I finally talked to whoever answered the phone and asked for a manager. All of the managers were in meetings or sick or on vacation. I had to speak to a supervisor or something. However, he was not available. He did have voicemail. I left a message for XXXX XXXX and have never received a call back. Today is XXXX XXXX. So, I have had no calls returned in 12 days and my money has not been returned. I tried to go into my branch on XXXX XXXX also. The manager there tried to help, but ran into the same issues I did with finding someone who could help. After a week, she left me a voicemail saying she had finally spoken to someone and that they were working on it. That was XXXX XXXX. Today, XXXX XXXX, I tried to call XXXX again, my " case manager. '' Of course, someone else answered the phone, XXXX. XXXX could n't help me so he transferred me to XXXX in the loan modification department. XXXX could not help me either and had to transfer me to customer service. I was just on hold for 30 minutes with XXXX transferring me and now the phone hung up. So, I am at the end of my rope. I can not be on hold any longer. I am trying to move out of the property at this moment and ca n't waste hours a day getting transferred all over bank of America and still not get any help. Supposedly, the EFT transfer for future months was finally cancelled when I spoke to bank of America on XXXX, however, XXXX told me today that another payment is scheduled for XXXX XXXX. 
There was also a payment taken out on XXXX XXXX that perhaps should n't have been either. The pay off amount was calculated previously. I may have now overpaid by XXXX payments.
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tulsa Adjustment Bureau (AL)

I only found out that I have collections after me by checking my credit report. 
I was never contacted by the creditor, nor the collections bureau about the amounts owed. I have received nothing in the mail and no one has attempted to call. Being fully unaware that I owed the creditor a balance, I do not think it is fair to have had this passed on to a collections bureau as it is making a great impact on my credit.
Consumer complaint received 2015-10-10
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2015, I was charged XXXX at a XXXX Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The following is a brief summary of the incident. 

While I was pumping gas, the station attendant, XXXX, came outside and told me that there was some kind of mix-up with the payment for my gas. Although I had already swiped my credit card at the pump, XXXX told me that another customer had mistakenly paid for {$50.00} at the pump that I was using. He then told me that I needed to pay inside. Believing his story, I went inside the store and approved a charge of {$50.00} to my credit card. As I was about to drive away, XXXX came back outside and said there was still some mix-up but he assured me that I would not be charged XXXX. 

When I later found out that I was charged XXXX, I disputed the charges with my bank ( Bank of America ). However, XXXX XXXX XXXX, a credit card processing service, denied my claim without even contacting the vendor, alleging that I had XXXX cars. That is not true. I later contacted Bank of America and asked to appeal the denial of my claim. I was informed that there is no appeal process and their decision is final.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a 100 % XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

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 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

I refinanced the loan on my home back in XXXX 2012. At that time XXXX XXXX was my loan servicing company who had the practice of applying any amounts over my fixed loan payment to principal. Later, the loan was sold to XXXX XXXX XXXX where the same procedure was followed. Recently, my loan has been sold again to Ditech. I received my first statement which includes the following language in the transaction activity section : " Any partial payments that you make are not applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' As I understand it, the excess payments I send in will not be applied to the principal of my loan and therefore I will be paying interest on a partial principal that the loan servicing company refuses to post to the account. This appears to be a change in how excess payments to principal are handled and is injurious to the consumer.
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a dunning letter from a XXXX part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing Bank of America, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These XXXX party debt collectors are posing as attorney 's representing Bank of America, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered.
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Greentree mortgage has accepted my request to not call my cell phone due to them calling as many as XXXX times a day. As I got behind on my mortgage they ignored my past request to not call and the calls began. I called them when I had an answer and solution to catch up on my mortgage and told them I was waiting for a loan to fund in regard to selling my vehicle. The loan has not funded yet due to a minor delay and I feel as though I ca n't use my phone due to the numerous phone numbers they have access to for reaching their customers. Yesterday alone there were XXXX calls and I feel I am being harrassed.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

I received a notice from XXXX XXXX stating that my taxes were delinquent on parcel # XXXX. Ditech Financial is financing this property ( Loan # XXXX ) and receiving an escrow payment from me to pay taxes and insurance. Ditech did not pay the taxes and after contacting the tax department they said that the account was not set up correctly and they would pay the late fee. I informed them that there would also be penalties and additional interest if not paid by XXXX/XXXX/2016. They said they would pay the interest and penalties within 3 weeks, and to check back after that. I checked back after the specified 3 weeks, on XXXX/XXXX/2016. I was told that it had not been paid yet but that it would be paid on XXXX/XXXX/2016 and to call back on XXXX/XXXX/2016. I called back on XXXX in the morning and was told that they could n't have paid it by XXXX. They could not tell me when it would be paid. I asked who I could speak to that would be able to answer my request. He told me he could transfer me to the supervisor. The phone he forwarded me to went immediately to voice mail, so I left a message. I also sent an email to a general Ditech customer service location. 
I did n't really want to file a complaint, so in desperation I attempted to call Ditech tax department to receive some sort of answer to my query. She could not give me even an approximate date of when the taxes might be paid. 
It is now the evening of XXXX and no one has contacted me so I am left to hoping that I might receive some response through this venue.
Consumer complaint received 2023-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Recovery Agency Inc. (IL)

I was contacted by XXXX XXXX, agent XXXX from Accounts Recovery on behalf of XXXX XXXX XXXX XXXX. 
XXXX XXXX advised that he would be taking legal action against for me for a debt from XX/XX/2015 in the amount of {$1200.00}. 
I asked for a copy of the loan agreement and details so that I could file a police report. 
XXXX XXXX advised that he did not have this information. 
I then requested that he not contact me further and ended the call. He called an additional 3 times in a 5 minute period.
Consumer complaint received 2016-02-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I attended XXXX XXXX University in XXXX XXXX, Florida. Went through a divorce and filed bankruptcy due to the new bankruptcy law in XXXX private loan are not discharge unless extremely hardship. After my bankruptcy discharge I contact my federal student loan to make arrangement to pay by income-based which is fine. Couple of months later my private loan lender sender me a notice that my forbearance had ended and send me payment due for XXXX % more than what I was paying my federal student loan which is double amount owed. So I did a request for repayment option on all three of my private student loans it was denied saying that I have used the maximum time allowed. There the existing repayments plan remain in place since then I made a payment each month not what they want but I pay them four time amount of my federal loan amount until last month. It my fault I missed sending payment in for XXXX XXXX. On XXXX/XXXX/XXXX Navient staff and employee XXXX XXXX had snoop to the point of calling my place employment this number is not listed as a contact number. On XXXX/XXXX/XXXX one of my co-workers gave me a message from Navient XXXX XXXX called XXXX ext. XXXX. I called the next day when I received the message. XXXX XXXX was not in yet so I talked to XXXX XXXX and I had verify my credentials and she said all they want is a payment and I told her all I want for you to not call my place of employment. You 're calling my house and cell phone constantly all time of night and weekends now you are harassing me on my job. I told her to take me to court and quit calling my job she said as long as I owed them money the law said they have the right to call my job until I pay. I told her I am going to report them she said she going to put me down as refusal to pay and I hang up the phone. At noon this same day XXXX XXXX called for me and my co-worker transfer me the phone and said I told him I told your guys not to call my job and said I do n't want to hear about I need you verify your information first then he proceed to talk about payment and said I told you I am at work and said then you need to called me and make arrangement to pay. I said he cut me off and said well when are going to called me. I have been paying on these loans it may not be as much as they want but this does not give them the right to call and harass me on my job when I ask them not to call me there. Why these private student loan companies was given special privileges protection during bankruptcy proceeding had went to their deep pockets and they do n't care what methods used to harass us get their money