davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (GA)

My family rented an apartment from XX/XX/XXXX through XX/XX/XXXX. The lease was a 6month lease. During that time I incurred expenses from having to fix/service/clean the HVAC unit after the apartment complex refused. Then about a month later the entire HVAC unit went out, and the apartment was without central heating and air for about two weeks. During that time the apartment became uninhabitable and we were forced to vacate on certain days. The refrigerator also went out, which was the apartments responsibility and we lost a months worth of groceries. My family was forced to break the lease and go find a habitable residence. To make matters worse on top of having to deal with all these maintenance issues, my wife is a XXXX and her meds have to keep cool and the shear heat of the apartment can and did effect her XXXX, which was one of the main reasons we were forced to leave on the extremely hot days. 

I mentioned the above problems and asked for reimbursement on multiple occasions but to no avail. I filed complaints through the apartment complex, their corporate office, the XXXX, XXXX, XXXX, and XXXX. All of which were unable to resolve this issue. I later found out the XXXX could n't do anything because in fact the complex is n't an accredited business. I am now currently fighting this issue with the credit bureaus because the bill was sent to collection and it 's on our credit. The one time I spoke to the collection agency I was told they did n't want to hear my story and I owed the debt, and that if I did n't pay I 'd be reported.
Consumer complaint received 2015-05-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I was contacted with a debt collection agency called HRR & G their number XXXX at XXXX on XXXX XXXX 2015. They left an electronic voice message asking me to call them asap for a debt collection issue. I did after two minutes receiving the message. They told me that XXXX XXXX XXXX of XXXX has sent my account to collection on XXXX XXXX 2015. After seeing me at the emergency room at XXXX hospital in XXXX Arizona on XXXX XXXX 2015. This was the first time I received any communication XXXX XXXX XXXX XXXX either by phone or by mail. I told them that I never received any invoices from him, however, I did receive XXXX other invoices from the company that read the XXXX and the XXXX and the hospital I received their invoice on XXXX XXXX 2015 and I paid it XXXX XXXX XXXX 2015 at XXXX and it was the first time the hospital sent me an invoice. I did call the hospital after receiving an invoice from them after five months and five days and the hospital told me that the insurance just finalized the payment on XXXX XXXX 2015. I asked the collection agency to send me a copy of the invoice that they from XXXX XXXX XXXX. The problem I have is, the collection agency already sent my file to credit agencies, at least that 's what they are saying initial, then they retracted it. not sure what to believe. XXXX XXXX XXXX never sent a bill or made any calls to me. I received invoiced from XXXX other providers that saw me at the same hospital visits and I paid them all upon receipt. I believe XXXX XXXX XXXX violated fair debt collection act by sending me to collection without sending me an invoice or attempt to contact me and let me know that I have an invoice from him. Why other providers invoices were received and his invoice was not, his invoice a small fraction of the hospital invoice. I believe XXXX XXXX XXXX and his company XXXX are not doing a good job billing their patients resulting in issues like mine. I attempted to call XXXX XXXX XXXX and the office of consumer affair at XXXX several time today on XXXX XXXX and no one took my calls or took messages from me. I called their billing office after speaking with the telephone operator at XXXX and the billing office refuse to talk to me since my file has already been sent to collection on XXXX XXXX 2015. There 's no way that XXXX XXXX XXXX was able to send the claim to my insurance company from a XXXX XXXX 2015 visit and send me an invoice and a final notice before sending me to collection by XXXX XXXX 2015. This is a blunder on XXXX XXXX XXXX and I want him to correct it by sending me an invoice so I can pay him immediately. I wish he or anyone in his office returns my calls after many failed attempts to call him and his office, only an operator answers the phone and gives me other number to call and no one answers these lines.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (TX)

MB Finanical has lost requests to take off my PMI, after this was lost the fee to assess my current mortgage value increased. After I paid the new fee after being told that my LTV % was XXXX, they then told me that my LTV increased to XXXX %. Missed payments, solid history my PMI is n't going to be removed because they say that my LTV is at XXXX % When speaking to the bank they were unable to bring up my full records and told me that I would hear back from a manager, that has not happened. They have not been able to tell me why this as occurred and continue to receive my payments with the PMI on them. Due to this they have been able to continue to receive PMI payments when they are no longer applicable. This feels like fraud.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I am working on a short sale for clients. Carrington Mortgage is the lender we are working with. We currently have an offer and for the last 3 months Carrington is requesting documents that have been sent on numerous occasions. CMS shut file down back on XXXX/XXXX/XXXX because they claimed they did not have complete package - all documents were submitted on XXXX/XXXX/XXXX and I verified receipt of docs on XXXX/XXXX/XXXX. Since I was advised on XXXX/XXXX/XXXX that the file was shut down I resubmitted the ENTIRE package again. On XXXX/XXXX/XXXX CMS still could not seem to get it together and I had to resubmit the entire package AGAIN. The current offer we have was received and sent over on XXXX/XXXX/XXXX - I verified receipt of everything, however CMS still claimed they did n't have XXXX, expense sheet and XXXX - they were resent AGAIN on XXXX/XXXX/XXXX - on XXXX/XXXX/XXXX I was told the file was in underwriting and to call back in a week for an update. On XXXX/XXXX/XXXX I called - still under review, I was told they should have update later that week or the following week. On XXXX/XXXX/XXXX I was asked for taxes, household expenses and the XXXX - I provided dates these documents were sent and sent them AGAIN, this time they also asked for lease agreements from the borrowers. On XXXX/XXXX/XXXX I received leases from both borrowers and emailed them over to CMS. On XXXX/XXXX/XXXX, when I returned to the office I called for an update - CMS is asking for taxes, leases and expense sheets - I advised they were sent numerous times to BOTH email addresses AND faxed, provided dates and resent to email and fax AGAIN. I called in again today, XXXX/XXXX/XXXX for an update and they 're still asking me for the same docs. I do n't know how many times I have to send them the same information before they finally accept the documents but I 'm tired of the games. We may possibly lose a buyer due to their negligence. This is unacceptable and something needs to be done.
Consumer complaint received 2017-02-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

Our home was flooded in XX/XX/XXXX & we received checks to repair our home from XXXX with no problem, but we had to forward those checks to our mortgage company, which is Loancare in XXXX. They are refusing to forward our final check to us, in the amount of {$9500.00} ( which we sent to them in XX/XX/XXXX ) -the reason they are giving is because we allegedly owe the contractor we fired in XX/XX/XXXX, {$2500.00}. This is false, because the sub-contractor who actually finished the work for us was paid this remaining {$2500.00}. ( The sub-contractor was approved by Loancare ). The contractor we initially hired was XXXX XXXX of XXXX in XXXX TX, and he was not what he appeared to be, so under the advisement of both the XXXX and our Insurance Adjuster, we fired XXXX. Also, XXXX of the XXXX is in the process of investigating XXXX as they can find no trace of him having a plumber 's license, which was needed to do the necessary plumbing work in our home. We asked XXXX for proof of his license/insurance on several occasions, and he provided false numbers to us each time, and so we terminated his contract with us. We did keep Loancare apprised of everything, including sending them copies of all our correspondence with XXXX, but Loancare still refuses to release our money to us. Loancare is stating that in order to release our money, we need to get a signed statement from XXXX that we do not owe him the XXXX-which he refuses to do-so we are at a stalemate, and therefore can not complete the repairs on our home. We feel that Loancare is just using this as an excuse to hold on to our money, and have told them as much, and we do not get anywhere at all when speaking to a CSR. They will not respond to our repeated requests to release our money-they just say it is " in escrow '', and refuse to release it! We have had horrendous treatment from Loancare from the very beginning, and they have given us a very difficult time on each and every occasion we requested them to forward us a check from our insurance money. They also kept changing the percentage of " inspection completed '', so that they could hold on to our money longer! Loancare are very unhelpful and unprofessional, and we have seen a great many complaints from other people regarding similar issues with this company, and we feel they need to be investigated for these kinds of irregular practices.
Consumer complaint received 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

We submitted a loan modification request to Carrington Mortgage in XXXX. They sent a letter stating that they did not receive all of the documentation that they needed for the modification along with a list of missing documents. We sent the requested documents by email and uploaded them to the bank 's loan modification web page. I just received a letter today stating that we failed to give them the documentation that they requested in the time frame they requested it in. The time frame has not yet expired and the documents still are showing on their web site. In addition, we spoke to a member of their call center to confirm that they received the documents two weeks ago and they confirmed that over the phone. It is our contention that Carrington is not acting in good faith in this matter and is in violation of the Federal Rules governing this process as well as potentially committing fraud in an effort to steal our home. I have been out of work for six months and trying to get this taken care of. Their statements have always been that they want to help but it appears now that all they want to do is help themselves to our home.
Consumer complaint received 2015-12-23
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Ace cash express let me pay my loan. Then after. The loan was paid off the cashier stated we are closing so we are not going to renew any loans. They were supposed to close XXXX but they are still doing business. They left me broke and almost homeless because that was my way to make ends meet in between paychecks. That was n't right and they have done a few people like that. That 's not good business. Something needs to be done. Then after we paid the cashier stated we will get the money from we ever do n't pay. We will debit people account for the money that is due.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan Management Services LLC, a debt collector and servicer of the mortgage, on several occasions have authorized XXXX XXXX XXXX, to change the locks on my property. XXXX XXXX has illegally locked me out of my home, by breaking the lock, entering the home, removing valuable items, clothing, jewelry, removing food from the cabinets, etc. and replacing the lock on several occasions, leaving me unable to enter the property upon return which is late at night. I 've had to sleep in my car because of the illegal lock out. I 've replaced the lock at least three times in the past four months, at a total cost {$75.00}. I 've called and spoke, to both XXXX XXXX XXXX, the party who does the lockout and Rushmore to the manager on the account. The first lockout, I changed the lock and entered my property, which was then removed. On the second occasion, I called XXXX XXXX XXXX to inform them that the property is not vacant or abandoned. I was referred to Rushmore. After speaking with the manager on the account, he advised that I meet with their representative at the home and provide identification prior to be given the keys from the lock box to enter my home. I could not meet with them since I would have to leave my job to do so, and to be on their time frame. So upon return to my property, I again changed the lock and entered my home. This was again replaced by XXXX XXXX on XXXX XXXX, 2015. I have since replaced the lock and have placed trespassing signs on the property. Furthermore, on XXXX/XXXX/15 I have written a Cease and Desist letter to both Rushmore and Field Asset Services. The home is in foreclosure, but the debt collector has not proven that it is the proper party in the case, thus, the case has stalled and there is n't any activity on the case as of to date, and there is no judgment. This is very stressful and uncomfortable, because when you leave work and decide to drive 2 hours to get home and find the door lock changed, and you have to sleep in the car, as I 've had to do, this illegal activity must be ceased. I am hoping that Rushmore and XXXX XXXX XXXX comply with the Cease and Desist letter. I hope this agency can be of assistance in this matter.
Consumer complaint received 2017-03-23
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received an email from XXXX representing Ace Cash on XX/XX/2017 formatted like a legal document. Titled Garnishment Notification and Arrest Notice. Also, has XXXX with a seal at the bottom of the email.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect (NJ)

This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
Consumer complaint received 2016-05-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I have submitted a short sale with a purchase and sale with Ocwen Mortgage and they have lied to me and are taking way to long. I was told today that another BPO was requested and when I asked who is requiring a another BPO and I was told it was my mortgage insurance company. Which my reply was that 's not correct because I do n't have mortgage insurance on my current loan. The person keep repeating it was my mortgage insurance company. I then asked what is the name of the mortgage insurance company and I was told XXXX ( which I had them spell it to make sure I was hearing the person correctly ) I told them that 's funny because XXXX is my homeowners insurance and they do n't have a say in requesting a BPO or anything to do with a short sale approval. I called him a liar and then was told he would not talk to me anymore. I have sent a request to the short sale department to contact me. I will keep calling them until I get a direct and honest answer. This short sale process has been going on since XX/XX/XXXX. I was served with a NOD yesterday and I know exactly what they are doing. The bank came back with an approved bpo of XXXX and my buyer agreed and signed the required papers. I was informed on XXXX/XXXX/16 that the owner of the loan did n't accept the price. I was told by my relator on XX/XX/2016 that ocwen is requiring another bpo. they are suppose to call us for access if needed. they may assign exterior only. As of today no one has called me the owner or my agent. When I was talking to the short sale department today the person asked me who should they put down for a contact person. Uhm ... .they have my information and the agents. Today is XX/XX/2016 and no one has contacted me or my agent to give auth. to access my property. I am frustrated and this is not right. I and my agent have done everything they have asked and they are not doing what they are suppose to be doing. I need assistance with this matter. Last correspondence was dated XX/XX/2016 from ocwen saying they received a short sale submittal which is a little confusing. Because I have correspondence dated XX/XX/2016 that was a conditional approval, then XX/XX/2016 correspondence stating they received correspondence, then XXXX they receved a short sale request and are currently reviewing, then XX/XX/2016 received notice they denied the short sale due to owner of the loan did not agree to the discount amount that was submitted. Then my agent send the forms the buyer signed that acknowledge the higher price of XXXX on XX/XX/2016. Then I did n't receive a notice from my mortgage company that was dated XX/XX/XXXX saying it was in review. So what was done for XX/XX/XXXX? My agent talked to my mortgage company on XXXX/XXXX/16 which is when I was informed that the mortgage company is requiring another bpo. today is XX/XX/XXXX an the me the homeowner and my agent have not been contacted by anyone to schedule access to the property. So what are my rights??????????
Consumer complaint received 2015-07-20
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: MORTGAGE LENDERS OF AMERICA (TX)

I contacted Mortgage Lenders of America and was immediately put in contact with XXXX XXXX. He was very friendly and helped get all the paperwork set up after we found the house we wanted to buy. My main concern was the closing date. XXXX informed me that a XXXX XXXX, 2015 closing date was more than achievable. After I signed all the paperwork he required, he sent the loan to his company 's ( Mortgage Lenders of America ) in-house underwriting. This is where it all goes down hill. For XXXX weeks I have been proactive with my communication. XXXX continues to say that his hands are tied because he does not control the underwriting process, which I understand and believe. The problem is communication. We were supposed to close today, per my signed contract ( XXXX XXXX, 2015 ), and I have been informed that the closing will have to be pushed to XXXX XXXX, 2015. The only excuse for this was, " the underwriting department is behind ''. How is that in anyway acceptable? I have already scheduled the movers based on the closing date in the contract. They can not change my date because their next available is not until XXXX. I already contacted the cable company who is shutting off my cable and internet tomorrow based on the closing date in the contract ( I 'm currently an XXXX, so that is added stress ). I have forwarded my mail to the new address based on the closing date in the contract. I have had to push my start date for my new job out XXXX week, which means I am losing XXXX dollars because of this delay. Also, I now have to budget for a XXXX week stay in a hotel, on top of losing XXXX dollars from my new job. In an attempt to get more answers and possibly accelerate the process, I contacted a team lead/manager at Mortgage Lenders of America. I was placed in contact with XXXX XXXX. He reverberated the " underwriters are behind '' motto and stated that I should just be patient and make arrangements for a XXXX XXXX, 2015 closing, once again not offering a valid explanation, nor taking into account the major financial and emotional inconvenience placed on myself and my family. He gave me the phone number to his boss, the Director of Loan Origination, XXXX XXXX, and I asked my realtor to contact him. My realtor called the number we were provided and there was no answer. He did leave a message, but has not received a call back as of yet. There must be some type of accountability held and repercussions placed on companies that put families into these types of situations.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.