davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

I was sent a letter on Saturday that states that I do not have sufficient insurance on my property and that Caliber Mortgage was obtaining insurance on my behalf. They sent this letter after they increased my monthly mortgage without asking prior questions and without notifying me of any issues. 

I called in today and Caliber Mortgage refused to escalate the call today stating that no one above a supervisor is available and no one will in management will return my calls. XXXX # XXXX refused all escalation requests to anyone above her. She did not have a copy of the letter but kept telling me that XXXX did not get additional insurance on my behalf ; but that is exactly what the letter in front of me says. She did not know that my insurance is covered by the HOA and told me I have to send them all of my HOA documents to prove that. When I stated that they have all of the HOA documents as part of the closing documents and process, she could n't answer as to why they did not know that the insurance was included in the HOA dues. 

She was obviously being coached because she covered the receiver of the phone and I could hear someone whispering behind her and then she told me ... Your HOA has not updated us with your insurance and they were simply sending me a letter requesting help to get new insurance copies. That is not what the letter states at all. They do n't request any documentation from me within the letter ; it is just telling me that they have taken action by securing insurance because I did not have any. 

This is continued examples of Caliber 's constant mis-managing of my account and I 'm sure many others. This and the many other problems I 've had with Caliber show they are incapable of managing mine or any other mortgage. All Caliber needs to do is to email or send a letter to the HOA and a copy of that letter to me requesting an updated Insurance Binder for my town home and one would have already been provided by the HOA management company. The fact that Caliber did not know that my HOA covers my insurance was telling and the fact that Caliber did not reach out to the HOA for it is because they did not identify on the account that the insurance was covered by the HOA. 

I expect all charges to be reversed and my mortgage amount lowered. I want my loan sold to any other lender would be better than Caliber. 

XXXX XXXX XXXX
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

AmeriSave Mortgage Corporation has acted in bad faith. 
At the beginning of my request for a refinancing, I asked whether AmeriSave would make a loan for a property held in trust. The answer was " yes ''. 

After my submission of approximately XXXX pages of documentation and payment of a {$570.00} fee, AmeriSave refused to close the loan unless I took the loan out of the trust. ( It should be noted that a copy of the trust was submitted very early on in the process. ) AmeriSave gives as a reason for refusal the fact that although the property is now held in trust as indicated in the title, the title lists only me as trustee whereas the trust also has my wife as a trustee. The said they would close the loan only if I took the property out of trust. AmeriSave 's bad faith reasoning is bogus, as can be demonstrated by the following : 1. A major bank refinanced this property several years ago with the exact same documentation and found no problem. The instrument used was the a standard XXXX document. 
2. Based on a suggestion by an attorney, I offered - at my expense - to have the second trustee put on the title. This would have cured the problem cited by AmeriSave, but they still refused to close the loan. 

I should point out that my reasons for not taking the property out of trust are two-fold. First, added expense. Second, mortgage notes prohibit the change of title without lender approval so I could not put the property back into the trust without AmeriSave approval. Based on their past performance, I can not take a chance that they would not permit my putting the property back into the trust. 
Summing up : AmeriSave has acted capriciously and in bad faith. Their condition for closing the loan is not according to early assurances and, furthermore, is unreasonable based on previous history by another lender as well as the refusal to agree to a simple approach suggested by my attorney which, cures the problem they cite.
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Rhodes, Kelly Assoc Inc (NC)

Their first attempt to contact me to discuss a debt from a recent medical bill was to contact me at work directly. They did n't initiate by my cell phone or by mail at all. Told me, at work, that I needed to contact them before the original creditor decided to take further action. Totally unacceptable and unprofessional forcing me to respond and negotiate such items at my work place, in front of other employees.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Union Mortgage Association, Inc. (VA)

Dear Sirs, My spouse and I recently applied for a conventional mortgage. We were " pre-qualified, '' made an offer, and obtained a ratified contract. We supplied all documentation requested and answered all questions. One month later, we were denied out of the blue on the sole basis of our student loan balances. We were not informed that 1 percent of our student loan balance would be used as our payment amount. That is not our payment amounts, which are reflected on our credit reports. The 1 percent payment amount is 8 times larger than our actual income-based payment amount. We can easily afford the property other than this arcane regulation requirement. Complaint 1 - the lender ( Credit Union Mortgage Association , Inc. ) NEVER informed us of this requirement. This resulted in wasting time, energy and money for all parties involved ( buyer, seller, agents, inspector, appraiser, not to mention CU staff ), expending monies ( appraiser, moving deposits, etc. ), and signing a contract without full disclosure of necessary information by the lender. Complaint 2 - Why is XXXX ( I found the rules on my own ) requiring lenders to count 1 percent of student loan balances as the payment, when that is not the actual payment? Income-based plans are legally available to all borrowers. For some unknown reason that discourages business, Americans with student loans balances will often be unable to qualify based upon this provision alone. It is antithetical to good business.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding the dispute but rather AMEX 's responsibility for the charges. 
AMEX is assuming that illegal documents are legal and a legal cancellation is not valid. If that is the case then why is AMEX ignoring the transaction exchange rate and charging us more than the agreement states? Exhibit XXXX page XXXX. How can AMEX determine that an illegal document binds us but does n't bind us to the exchange rate?
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I received an email stating that a company was trying to access my PayPal account for {$530.00}. I had not used PayPal since XX/XX/2023 and have never used it for so much money. I did not receive an order confirmation from PayPal for that amount or from that company and I did not make that purchase or authorize that transaction. I filed a dispute and talked to a customer representative from PayPal who assured me I had nothing to worry about. PayPal sent me an email at XXXX XXXX  today saying that this transaction is consistent with your PayPal transaction history which is a lie. I want that money back.
Consumer complaint received 2016-01-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: LTD Financial Services, L.P. (IL)

I set up a payment plan with LTD Financial Services to pay off XXXX of my XXXX private loans. We set up a 3 month payment schedule and upon confirming the plan I asked to not be contacted at my place of employment as it is prohibited. Upon the expiration of my initial payment plan, XXXX XXXX contacted my place of employment against my expressed wishes not to contacted. In fear of losing my job, I looked into whether or not they are allowed to contact my place of employment, under the Fair Debt Collection Practices Act she was only allowed to contact my job once, she has violated that. Upon further investigation LTD Financial Services have been sued previous for this same type of behavior.
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (RI)

Received a writ of execution Goods, Chattels, and Real Estate. This does not belong to me, its my sons. Received 1st notice from Midland funding ans asked them to confirm which XXXX this belonged to they never responded. Now i get this.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

I opened an American Express corporate card account in XXXX XXXX. The card has no annual fee however I enrolled in AMEX membership rewards program and paid an annual participation fee of {$75.00}. I also paid AMEX a fee of {$39.00} on XXXX occasions to " reinstate '' previously issued points. Since opening I have accrued approximately XXXX AMEX points with a value of approximately {$2800.00} ( XXXX point = {$0.00} in purchased travel ). In XXXX I was contacted by American Express regarding suspected fraudulent use of my card by someone in another state. I confirmed that the charges were not mine and American Express replaced my card. I was promised that everything including my rewards membership would stay the same, however it appears the new card was not enrolled in membership rewards at that time. Since that time I believe I earned approximately XXXX AMEX points however these were not credited to the new card. When I tried to use my points I contacted American Express and they informed me that I have XXXX point balance and they are unable to reinstate my points. This appears to violate zero Liability for fraud guarantee from American Express. My card replacement occurred due to fraud through no fault of my own. American Express zeroed out my point balance after I paid them over {$1000.00} in fees just to maintain my points membership. My account has remained in good standing the entire time. Please help reinstate my membership rewards points XXXX lost from XXXX and XXXX from mid XXXX until now.
Consumer complaint received 2023-09-06
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)

I'm writing to formally dispute the veracity of a few facts in the credit report your office recently provided. I have carefully examined this report, and I've found a number of mistakes and inaccuracies that could harm my credit reputation. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 608 and 611, which give me the right to ask for a thorough investigation to confirm the accuracy of the data in my credit report. The FCRA requires a thorough investigation into the disputed items, so I formally request that it be done by your office.

I respectfully request a written acknowledgement of this dispute letter and regular updates on the progress of the ongoing investigation, to be given within the legally required thirty-day window, in accordance with FCRA guidelines . In accordance with section 611 of the FCRA, I also anticipate getting a free copy of the updated credit report that clearly outlines any changes made.

I fervently hope that this matter will be handled with the utmost seriousness and that the investigation will be carried out in an objective and thorough manner, strictly adhering to the rules established by the Federal Trade Commission ( FTC ) for protecting consumer rights.

I want to thank you for taking the time to look into this urgent matter, and I have faith that the disputed items will be quickly resolved in a way that preserves the accuracy and integrity of my credit report.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On or above XXXX XXXX, 2016 I closed a saving account with Citi Bank located at XXXX XXXX XXXX XXXX NY XXXX. On XXXX XXXX, 2016 I received a promotion offer # XXXX to open a citi gold account and earn XXXX thank you point equal with {$500.00} gift card. On same day I went to citi bank branch address above but associate costumer service unknown name refused to open account who later called his branch manager XXXX XXXX XXXX who disrespectfully and arrogantly stated " I do n't allowed my employee to open account for you because you just closed one last month. I said that saving account has nothing to do with this promotion. he disrespectfully said : I 'm the boss and I 'm not allowed him to open an account for you just because you closed an account with us last month. I stated that I will file a complain against you and legal action. he aid " Go ahead and do it '' On same day I called citi bank and filed a complaint with XXXX XXXX ID # XXXX I asked for reference number she said that the system do not generate a complain reference number. On XXXX XXXX 2016 I called to find out the status of my complaint but my complain no where to be found. The costumer service filed another complain with reference # XXXX On XXXX XXXX 2016 I called back to find out the status of my complain which seem to be a dummy reference number. I filed another complain with XXXX XXXX reference # XXXX stated " do not think that they will fire branch manager just for that. On XXXX XXXX 2016 I called citi bank to find out about my complain. they said do not call any more citi bank executive manager will follow this matter. I said do I expect to receive any formal respond they said no.
Consumer complaint received 2016-01-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Alliance One, Inc. (MO)

Alliance One has been contacting my work numerous times after both verbal and written instructions that this is a violation of my workplace policy. They have ignored these requests and have placed my current job in jeopardy with this repeated harassment. They will not respond to what the nature of the calls are about after numerous requests to do so. I have student loans and am paying on these so I am a little uncertain as to what these calls are in regards to.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am submitting this complaint regarding the refusal of XXXX, XXXX, and TransUnion to remove fraudulent accounts and inquiries from my credit report. Despite multiple disputes, they have failed to comply with federal law, specifically the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts : XXXX, opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX multiple entries ) XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX Fraudulent XXXX XXXX XXXXXXXX XXXX XXXX inquiry dated XX/XX/XXXX This is my third attempt to resolve this issue. The continued inaccuracies have caused significant financial and emotional harm, as I have been unable to secure housing or credit. I am requesting an immediate investigation and action to force these bureaus to comply with FCRA requirements. If no action is taken, I will pursue legal action as allowed under 15 U.S.C. 1681n for damages.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

After I recently filed a complaint to Discover from the CFPB, they said they decided to close my account right after I filed that complaint. It's my right as a consumer for me to file a complaint without it adversely affecting me. I'm a college student and this was my first credit card, so it really helped my credit score, and this could really mess it up. I've paid the account balance off despite their lack of response to my first complaint where they put random charges in my account, so now not only do they owe me money, but they are messing up my credit score too. I am so upset and angry and this is really hurtful, I want assistance from someone in filing a lawsuit against this company if possible. How could they not even respond to my complaint and just close my account?
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (KS)

I sent them a complaint on XX/XX/23 requesting all the original documents I signed to permit them to report my personal information to a 3rd party. They refused to send me the requested information. I am requesting the 3 signed documents, I need to sign to give them permission to share my personal information. They can reference the U.S. Code 1681 ( A ) ( 2 ). If they obtain my personal information without my consent, they can reference U.S. Code 1028 ( A ). I am requesting all signed documents that I signed to an agency to provide you with my personal information. It is your agency to provide the burden of proof. If you can not provide the burden of proof, under consumer laws you must remove any information you reported to any consumer reports immediately. This company stated I have to show them the burden of proof they obtained my personal information illegally. I am requesting all signed original documents that are attached with my name on them
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (CA)

I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have been paying Beneficial Member HSBC Group for the last XXXX yearsand I am in the final year of payment. I just found out that BeneficialNEVER reported this to the Credit Bureau. Is this legal? I have nevermissed a payment nor been late. This is XXXX years that should have beenon my credit report. Please help!
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

We have a credit card through XXXX that closed in 2012 in the amount of {$6200.00}. 
The account was sold to Midland Funding, and they have since been charging interest on the account as if it is still open, but we have documentation from XXXX that this account was closed. Since purchasing this account from XXXX Midland has added more than {$1000.00} extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra {$1000.00} that we do not owe. I have spoken to XXXX and this account was sold in XXXX of 2012 and Midland purchased it in XXXX of 2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to XXXX to have them give us all the information. Why are they charging more money when the account has been closed since 2012? Documentation from XXXX will be provided along with my credit record showing that Midland is charging on this account still.
Consumer complaint received 2016-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Harris & Harris, Ltd. (NJ)

I began receiving collection notices regarding an unpaid toll in the state of MD last year. The state quickly sold the collections of the account to a firm in XXXX, Harris and Harris. While skip tracing, they left a voicemail on my mother 's answering machine clearly stating that they are debt collectors. I find this to be an abusive practice as FDCPA states that when skip tracing, the collector is only allowed to disclose that they are seeking location information. Additionally, they have been unable to provide me with evidence regarding the legitimacy of the debt ; I have only been told to log on to the state of MD website to obtain a photograph of my car.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (GA)

Homebridge financial Corp. is my mortgage and escrow company. They failed to pay my 2015 taxes on time. This resulted in a derogatory public record on my credit report. I paid Homebridge Financial on time for the entire year.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IL)

I returned XXXX appliances to Sears after XXXX became unavailable after purchase. It took nearly 3 months for the credit to appear back on the credit card, a Sears card issued by Citibank. For two months, I 've been asking for the credit to be transferred directly to my bank account ( consumer is given the option of a mailed check or direct deposit ). Each of the multiple times I have called, I was told it would take 3-5 business days. Two months later, I 'm told I was sent a check on XXXX/XXXX/16 which can take 7-10 business days to arrive. Total amount due to me is in excess of {$4000.00}