davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

I called my mortgage compay to get assisstance on lowering my monthly payments and get back current with my mortgage. 
XXXX with XXXX quoted me and told me that I would be approved for a XXXX year fixed rate of XXXX % for an appraised home value of {$150000.00}. He told me that I owed {$120000.00} on my cuurent loan. He later stated that I would be XXXX a check for {$110000.00} and my new monthly payments will be {$560.00} P & I with $ XXXX for a montly payment of {$920.00}. 
As he was getting ready to finalize the deal XXXX asked my race. After I told him my race he told me that his boss would never allow him to approve my refinance. He then rushed me off the phone by saying he could not help me. 

I feel this was racially motivated.
Consumer complaint received 2015-10-20
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (FL)

I have not been able to use my rush card or access my funds since Monday XXXX XXXX, 2015 and today is Tuesday XXXX XXXX, 2015. I have called customer service everyday three and four times a day and wait on hold for an hour or longer to be told they are working on it and they dont have an exact time it will be corrected. That is when I am able to reach someone the other time I get disconnected. How am I expected to live without access to my money, I have bills due and no food to eat, also no gas to get to work!!
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Deatrick & Spies PSC (VA)

I was illegally evicted in XXXX as there was a formal dispute with a written letter to with hold rent until electrical problems were resolved and if not resolved, I would move out in 30 days without paying rent. The electrical issues weren ' t resolved. There was nothing on my credit report reflecting this. I vacated the premises and have heard nothing from the landlord. Upon reviewing my credit report in XXXX, I observed a recent Notice of Judgement Lien on REAL ESTATE had been filed by attorneys representing my landlord. They are subtotaling {$4300.00} excluding interest and a total of {$6900.00}. I was told by this law firm that they were n't able to forward returned documentation to me relating to this law suit/judgement and XXXX documents were n't received by me in which they validate and advised this was how they obtained the judgment. I requested information to support the judgment to XXXX who was very rude and refused to provide information on XXXX/XXXX/XXXX, I called back. I then spoke w/ XXXX who was very professional and mailed information that the landlord had provided which was a statement. I did n't receive any paperwork or documentation to support the judgment being filed. I am concerned with the time gap as well. There should be a statue of limitations. also, if no writ was reflected on my credit by way of legal dispute due to electrical problems, how is they able to come back 10 years later, indicating a year of XXXX when it was XXXX and attempt to now collect? 
I want to report this action because it is illegal and is impacting my credit score negatively.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent GULF COAST COLLECTION BUREAU certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Consumer complaint received 2015-08-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (OH)

I have received several more calls from Capital Management after I told them not to call me and the debt is not mine. I have not returned any of the calls to XXXX. This is my second complaint against this company. You contacted them but there is obviously no resolution because they continue to harass me.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, my former acct # with XXXX is XXXX. I canceled my service end of XXXX of this year. I had XXXX XXXX. I was told I would receive a return box for the XXXX Wireless router. I never received it ... I called on XXXX separate occasions after that to receive a return box. Still never received anything and I then began getting collections calls. I was advised if I go to a XXXX store I can return it and would no longer owe anything. SO I did that, tracking number : XXXX I believe equipID is same as shipping ID which is XXXX ... Package was received on XXXX. I though I was in the clear. Now 3 months later I am receiving collection calls for this same reason. XXXX says to talk to them, they say to talk to XXXX. AND XXXX has reported late payments to my credit bureau effecting my credit score. I need this removed from my bureaus and the debt to be removed as I have satisfied any debt I had with XXXX.
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KS)

My issue concerns my credit score ... XXXX it list me as a ( very Poor ) credit risk.. Primarily basing the conclusions on credit inquiries.. & credit card usage ... XXXX I 'm am a debtor, who works very diligently to pay my bills & pay them on time ... # 2 I do not use 'Credit cards to pay credit card or other monthly Bills that are Due ' Indeed I pay my bills with the cash that I earn, from the sweat of my brow. I use my credit cards for goods & services which is what they are designed for. # 3 'I never ever pay minimum amts Due on credit cards ' instead, I use them more as, an easy way to pay for goods & services.. But in this modern day world of Internet sales & the like. I somewhat insulated against scams & the like..Mosty Importantly ..I am extended credit ..because of my payment creditworthiness & no matter how much of my credit I use I should not be penalized unless I 'm in default ( Computer models & probability charts should not Count ) ... My goal is to repay the debt.. & that 's what I have done.. 100 % & my credit score & Rating from the Bureau should lean most heavily on this simple fact ..when issuing My Credit Score '
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TX)

I graduated in XX/XX/XXXX with XXXX degree. Began paying on loans 6 months later when into repayment status. Entered school again in XX/XX/XXXX or XX/XX/XXXX..XXXX loans into deferment. Obtain more loans for XXXX school. Graduated in XX/XX/XXXX. Started repaying loans in XX/XX/XXXX. Have been in repayment status since then. Now it is XX/XX/XXXX. All of my loans still have basically the same principal balance if not more than started. I noticed this when my loans were sold from ACS education to XXXX. The loans were also listed in forbearance status and were not listed as repayment status until XX/XX/XXXX - which is incorrect! I have paid the whole time and never requested forbearance. I contacted ombudsman. Initial person could not get a response from ACS. My account was transferred to another person and they quickly closed the case and said the info on studentaid.gov was incorrect. I think my payments were incorrectly applied to my loan accounts. How can I have paid for over 10 years on a XXXX loan and now owe over XXXX?? Someone please please help me! 
AND my name is spelled incorrectly on the studentaid.gov. I 'm not even sure these are my correct loans or what has happened. All I know is after paying on loans for 12 years the principle should be lower then the dispersed amount.
Consumer complaint received 2015-10-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (GA)

I co-signed on an account with DriveTime Automotive Group , Inc/ DT Acceptance Corp . The buyer of the vehicle has failed to make on-time payments including failure to pay in full. At this present moment he has not made any payments in the last two months. As a result I have been harassed by DT Acceptance Corp in regards to the account because they ca n't get in contact with the buyer! I was contacted by an outside source ( someone who does n't work for Drive Time/DT Acceptance Corp ) in regards to my account with them via XXXX. This individual is the girlfriend of one of the collections manager at DT Acceptance Corp with whom I have spoken with breifly in regards to some paperwork for my account. I have contacted the Corporate Office in regards to this matter. They refuse to discuss how it 's being handled or if it 's been handled because they do n't want to compromise the privacy of their employee. However, I believe my privacy has been compromised. How did she get my information? Why is my information being shared with people who do n't work with DT Credit Corp? I have asked them to stop calling me on several occasions they have continued to do so until I requested again to be contacted by mail only. Due the request for them to stop calling me on my cell phone and at work, they have proceeded to contact references on my account. One of the individuals contacted, I do n't even believe is on my application as a reference. One of the references listed did request that they stop contacting her and they have continued to contact her. Despite the current status of my account, I do not feel that I am deserving of this type of harassment or stress and neither or my friends and family. Furthermore, due to their carelessness as a business in regards to my personal information, I am in fear that my information has been leaked and/or will be leaked in some malicious manner.
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc. (MD)

I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries Equifax ... .. XXXX XXXX, XXXX XXXX 3 . FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (NY)

I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase instructed their servicer XXXX to deny the short sale after XXXX verbally informed me that because the offer recieved was so much higher than their BPO, we would not have a problem getting the short sale approved. When we asked XXXX why the short sale was approved, we were told that the reason is because the homeowner had only been 1 month late. This was after we submitted the homeowner 's financial documentation showing that due the the homeowners medical situation ( recovering from XXXX ) he would be unable to make the mortgage payments to the first & second lender on top of a $ XXXX a month HOA payment. When we asked XXXX if things would be different should the homeowner be significantly delinquent, I was told yes. Now, XXXX has once again forced the homeowner to apply for a DIL after we were told he wouldnt qualify. In the meantime, the homeowner has become aware that in the state of California, if he does do a XXXX, he will owe taxes on the deficiency whereas if he does a short sale he will not. In addition, a DIL will show up as a foreclosure on his credit and he could be facing taxation from the IRS and XXXX.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MA)

Nelnet, my loan servicer, has been actively preventing my payments from going through the way I want them to. I have had special standing instructions for my auto-debit to apply all extra funds to the loan with the highest interest rate, but this is the second time they 've been " misplaced '' after my payment goes through. I have no way of viewing these instructions or verifying that they 're being followed until way after I make my payment without calling Nelnet. Access to the proper information is buried way too deeply on the site. They keep using their own way of applying funds where they " catch up '' my lower interest loans to where my higher interest one is in my payment schedule, then I have to spend about 1-2 hours every single month correcting the problem with them. Their website does not show any of this information.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CO)

On XXXX XXXX, 2017 I opened a checking account at BBVA Compass. A few days later they closed the account without warning. I had n't yet used the account other than successfully depositing the required {$25.00} opening deposit. As of XXXX XXXX, 2017, they have yet to return the {$25.00} to me. Despite my three phone calls made to BBVA, they have n't made any attempts to give me back my money or give me an estimate for when I should expect either a mailed check or when I can go into my local branch to have the funds returned to me in person.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

Our mortgage company has our home insurance in escrow. They received our insurance bill in XXXX of 2015 for the XX/XX/XXXX payment. In XX/XX/XXXX, we received a phone call from our Insurance agent stating that our insurance was about to be canceled, due to lack of payment.We contacted our mortgage company asking why they did not pay. They gave us the run around, no one giving us a straight answer. I told them to pay it immediately. I was then told, they were given a grace period and would send a check out in time to pay the bill. I got off the phone frustrated and contacted my agent to let him know it would be paid. Periodically, I called the agent only to find it had not been paid. I called again and got another run around. We received a cancellation notice for non-payment. I had to call my agent and pay my bill via credit card to prevent our insurance company from dropping us. I have called twice to see if our taxes have been paid and once again no clear cut answers just talking in circles. I am frustrated and concerned about where our money is going.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MA)

US Bank falsely claimed to the CFPB and me that US Bank recorded XXXX calls, prior to XXXX XXXX, XXXX in which I allegedly participated. 
US Bank falsely claimed that " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' in theirs to the CFPB and me dated XXXX XXXX, XXXX
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

on XXXX/XXXX/16, I did bill payment from XXXX XXXX serve to U.S bank for auto loan in amount of {$370.00}. XXXX XXXX serve account show my payment was clear on XXXX/XXXX/16, However U.S bank still not received this payment according to U.S Bank. I been call the Both XXXX XXXX and U.S bank almost 2 months regarding this issue. 
Still not resolve. please help me to resolve this issue. 
Thank you.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NV)

We fell behind on our mortgage when I was out of work and then when I went back to work at a reduced salary were unable to make our mortgage payments. After receiving a notice of default we applied for mediation through a state program and were denied loan modification. We put our house up for sale as we had over XXXX equity in the house and received an offer that we accepted for XXXX under the market value just before the bank set a foreclosure sale date. The contract we signed with the buyer has a closing date of XXXX XXXX, 2016 but our foreclosure sale date was set for XXXX XXXX, 2016. We have submitted multiple requests to extend the sale date so we could close escrow to settle our mortgage and get some equity out to restart with. The Bank has denied our requests and even told us that the Investor, XXXX XXXX denied the latest request. We are simply asking for a 12 day extension to close escrow and settle our account but the bank will not favor our request. The strange thing is that we were told if this was a short sale situation the bank has a policy in place to extend. My only conclusion based on that policy is that the bank and investor see an opportunity to sell our house at auction for more than we owe and come out ahead at our expense. I feel if this is the case it is not a consumer friendly practice and simply benefits the bank and investor. If they were willing to grant the extension and let us settle our loan we could also restart our lives without being in total ruin. I own the financial mistakes I have made and understand I put myself in this situation. I just do n't understand how the bank can have no compassion to simply extend us a few days to cure this issue.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CO)

I filed Bankruptcy ( Chapter XXXX ) and debt from XXXX the following creditors was discharged/closed on XXXX XXXX, XXXX in XXXX NC Case # XXXX. XXXX Bank XXXX XXXX XXXX XXXX Ga XXXX ( {$3500.00} and continues to acrue on credit report to a total over {$5000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( {$1400.00} ). I have disputed the same debt with Equifax , XXXX four times since XXXX. They remove it for a couple of months then they re-report it. I have submitted copies of the original Bankruptcy documentation by certified mail in XXXX. Yet recently, I had to go back into their systems and file another dispute. Once it has been disputed once, it should be illegal to add it back to any of my credit reports as all credit reporting agencies have copies of the original documentation. I also sent documents to XXXX and XXXX Bank via certified mail in XXXX also.