davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I have been remodifying my loan for 4 years and it has continually been found short of documents, out dated documents or missing documents as well as now needing MORE documents. Intentional manipulation of paperwork submitted is blatant. I have pleaded with them to not sell my home and made a deal with them to have all primary documents needed to them by XX/XX/XXXX for them to start the underwriter process as well as any additional documents they may need. My attorney noted that it appears their intention is not on the up and up and the house is again back on the auction block for XX/XX/2016. there is no time for them to do what they need to do to approve this modification by XX/XX/2016. It appears a rubber stamp denial is already in place. they have filed a XX/XX/XXXX response date, which they have not, as of yet, informed me of and what it entails. Again, I see deception going on as has been going on before. They have broken into my home on three occasions and left the security features damaged or open to vermin, vandals and weather. I have requested a cease and desist and reimbursement for the damages and it has been ignored. I have lost three years of tenants due to sending my tenants monthly 'auction ' sales notices as we go throiudht is weird 'dance '. I have lost them, the {$2800.00} a month revenue from them and the cost to take them to court to retrieve this lost revenue with no success. They reference the letters stating the house is sold and were told by the SPS legal counsel to stay in the home until SPS tells them to leave. Thus the reason for no rent. This is their statement ( to the mediator present ) in court. I feel that right now they are intenting a rubber stamp '' FAIL '' on the home. I have a XXXX XXXX XXXX on it with numberous Stock holders attached and I was just informed that they will not be reducing the 7.44 % interest rate due to these investors. This is not right and is intentional. No one has informed that that the 7.44 % will remain until I spoke with an Ombudsman last week, and all this because disclosed to me, as well as I can e-mail all info to them as opposed to the express mail I have been using ( express due to the fear factor that they convey of urgency all these years of doing this. 
I need solid and honest support at this time. Your help is appreciated.
Consumer complaint received 2015-07-08
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AK)

We attempted for 2 years to obtain a modifications through Nationstar. Our person of contact was constantly changing, our paperwork was not not being processed quickly, and we were having to resend documents and restart the process every 30-45 days. after becoming frustrated and hopeless, we decided to seek a short sale. In XX/XX/XXXX, we contacted Nationstar to begin the short sale process. We gave them our realtor information, and were told the process was started, and they would contact our realtor. Our realtor requested the required documentation several times and never received it. Nationstar never contacted our realtor or us about the short sale. In XX/XX/XXXX, our realtor decided not to do our short sale because of the lack of communication from XXXX. We contacted Nationstar in XX/XX/XXXX about doing a deed-in-lieu. We were told that was a good possibility, and after asking a series of questions, we were old the process was started, and we would receive the paperwork to complete. We never heard back from Nationstar, and our home was foreclosed XX/XX/XXXX.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (UT)

My mortgage is through Loancare LLC, I have never been able to stay a float as a home owner due to many different reasons, XXXX switching jobs, getting hurt at work, XXXX. Currently I am behind, I switched jobs twice and was off work and didn't have income for a month. So as of now I need to make payments and they deny me being able to make one. They want multiple payments up front. So your constantly fighting them, and getting behind on other things. They won't accept partials to go towards a payment. How is this ok?? Why is this ok?
Consumer complaint received 2017-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I had XXXX XXXX events that caused financial XXXX and the cause for me to fall behind on my mortgage payments. I had to take care of a sick relative who moved in with me because of their illness. Her health XXXX and she died. The financial burden of her healthcare and burial put me in a difficult financial position. Shortly after her death, I faced health issues of my own where I had to be XXXX. This further complicated my financial situation. I asked for a loan modification and while I was in XXXX, I missed the acceptance time. I re-applied but my modification was denied. Fortunately, my health has recovered and I am now able to maintain a mortgage payment if allowed.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I submitted a hardship application to Nationstar Mortgage at XX/XX/XXXX and I did not hear anything from them. I looked on line several times to obtain the status of my application and there was no information. I called Nationstar today ( XXXX/XXXX/2015 ) to obtain a status of my application was advise that my application had been denied ( the investor does not do modifications ). I asked why I did not receive a letter stating that my application had been received ( 5-day letter ) or a letter indicating that I had been denied ( supposedly in XX/XX/XXXX ). The representative claimed that the information was sent to me via email. I have a problem with that explanation as I received nothing in either case however, I do receive the monthly billing statements. I believe Nationstar Mortgage failed to notify me in either case nor did they ask for any additional information ( complete loan application ).
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

I have been XXXX since 2009 and I have tried to refinance with XXXX. The only option offered was to extend the repayment out to XXXX years. Being in a bind that I was behind XXXX months those payments would be rolled over. Within the last few days, Quicken Loans ran an ad I responded and was turned. Reason my Fico Score was XXXX and was told that a score of XXXX was needed. 

Am not sure what other options are available. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ORG GC GP BUYER, LLC (UT)

GC Services put something on my credit report without sending a notice of right to dispute. This debt is a XXXX debt that was paid by XXXX. They advised me they paid it. Then out of no where I see this on my credit and got it resolved immediately. But they never notified me and along with that notification they are required to give me 30. They are in violation and I would like it removed from credit due to this fact. Thank you
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA viloations not mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$9400.00} written off. {$9400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
was never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Open. 
never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family not my number ( XXXX ) XXXX Residential never worked here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (FL)

This man by the name of XXXX was borderline aggressive and rude. After picking up the call, he assumed he was speaking to the debtor which he was not. I asked him to give me his contact information, and he just replied by claiming that I was in deed the debtor. At this time, I again stated I was not and repeated for him to give me the name of the company he was calling on behalf of, and he responded by again repeating the debtors name. I informed him that this number has been calling this residence non-stop and if he could provide me with the company he was representing. He replied that I did n't need to know this and not to concern myself. I ended the conversation by telling the agent that he was Very rude and he should brush up on his communication skills when calling someones home and that he should ask instead of accuse people of being another person. It is Ridiculous how some companies are allowed to treat consumers in this way.
Consumer complaint received 2015-09-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: URS Holding, LLC (AZ)

She called my XXXX year old son, my husband and myself nemorous times, one after another each 1 minute apart. Left voice mails that scared him saying a compliant has been filed and legal proceedings will begin.
Consumer complaint received 2015-10-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

After disputing the XXXX medical bill, it came back as verified. I contact this collection agency and told them this was not my bill, they ask me for my address and sent me a letter. In that letter, CPI listed an additional account and added a payment plan that I never agreed to.
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (KY)

Continuously calling me, telling me that my full payments are due the day of the call, telling me that I need to pay them now, I have repeatedly told them that if they just send me the bill I can make payments, continue to tell me it 's due right now, I tell them that I do n't have the money today until I get my paycheck, then they continued to ask me when I get my paycheck, telling me that when I do get it I need to call in on the phone and pay because they do not send paper statements, which is false because I have a bill from them that I just got in the mail yesterday.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

In XXXX the homeowners insurance company I had with XXXX of the companies XXXX partners with raised my insurance from around {$800.00} to a little over a {$1000.00}. What I could not understand was why and none of XXXX 's agents could provide an answer. My house value had not increased at all. Later I received a bill from LoanCare where my mortgage went from {$850.00} to {$890.00}. I found out later it was due to the increase in the homeowners insurance. I now have a lower cost homeowners insurance yet my mortgage payment is almost {$900.00}. LoanCare I find has a XXXX rating and not only by me, but by several thousands of homeowners. Why? Why? Why? Would my mortgage be transferred to such an incompetent company. Not only that my mortgage has been sold three times and transferred three times as well. Is this what caused the crisis of 2008? If it is we maybe heading the same way, yet again. Something must be done and not only for me, but for others. Take action today by doing your own review and you will find LoanCare is a problem company. Thank you for your time. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

XXXX through the XXXX application SIMPLE Finance Technology Company has violated banking regulation 31 CFR Part 212 garnishing my federally protected funds and refusing to discuss the matter. I am XXXX with a XXXX and receive my XXXX check deposited directly by the us treasurer in a checking account, recently a very old incorrect child support order resurfaced from XX/XX/2010 and the bank garnished my account to include my federally protected and exempt XXXX payment. This now has caused me the inability to purchase needed medications and essentials such as food. XXXX. The bank has now refused to release the funds even though they are federally protected and is illegal to garnish. The bank has now ignored my XXXX reasonable accommodation request to speak directly to a banking regulator or compliance officer as my email communication skills might not be giving the right message or making sense. This too has now been ignored and not accommodated. The ramifications of a banking institution actions for me on this are now advanced to severe both XXXX and XXXX. again the only deposits for the last several weeks and pretty much the last 5 months have only been XXXX payments. 

1. Thy contacted by email not mail as required on XX/XX/XXXX and I immediately advised them is action was incorrect and they can not allow it to happen due to the funds were federally protected. The only option they gave was to contact the court. The court being in the State of IL and I am in XXXX XXXX without any financial ability to hire an attorney or fly to be present for a hearing. 
2. They did not conduct a look back to see where my deposits were coming from. If they did they would have noticed almost all were from XXXX the last several months. Even though I advised them this was not legal. 
3. They have told me there is nothing they can do and have not even tried to help the situation - at one point belittling me telling me they know the banking regulations. 
4. I asked for a reasonable accommodation to speak to a bank regulation or compliance officer afforded to me under the XXXX act - and the 2 requests have gone unanswered and have not proved helpful. 
I am not asking for anything other than the law and regulations be followed. The to close me out of funds without and oversight or due diligence is reprehensible and not allowing me to speak to a manager or officer is very aggravating. I am now out of my basic medicines that are crucial for my XXXX and have no way to travel to the store - see a doctor or even buy anything needed to survive. Please please advise my bank to follow the regulations and do something other than be a shallow shell of a business and now ignoring my XXXX reasonable accommodations request. I am in urgent need of someone making a phone call to make this right.
Consumer complaint received 2016-06-24
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I recently opened a savings account with Navy Federal Credit Union and was NOT told that they would perform a hard credit check as part of the process. I later found that the credit check release was in the account paperwork and they did not inform me that they would be doing a credit check. I found this highly deceptive and has impacted my credit score.
Consumer complaint received 2016-10-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank has refused to modify my mortgage even after I made all the modification agreement payments. 
1. In XX/XX/XXXX I entered into a modification agreement with Wells Fargo bank to modify my mortgage. 
2. The modification agreement stated that after I made XXXX XXXX XXXX XXXX payments, Wells Fargo would modify my mortgage. 
3. I made the XXXX mortgage payments to Wells Fargo Bank. 
4. But Wells Fargo has not modify my mortgage. 
Wells Fargo Bank has refused to provide me with modification assistance since XX/XX/XXXX. 
5. I have been applying to Wells Fargo bank for mortgage modification assistance since XX/XX/XXXX. 
6. Even though I was qualify for a Mortgage modification in XXXX, Wells Fargo refused to provide me with Mortgage assistance. 
7. On multiple occasions in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Wells Fargo bank has refused to evaluate my Mortgage Application in violation of RESPA laws. 
8. Wells Fargo violations of RESPA consumer laws has continue to harm me and my family even after I made all the payments under the modification agreement. 
9. These action by Wells Fargo has adversely affect my credit standing. 
10. These mortgage lending violations by Wells Fargo Bank has severely harmed me in my ability to obtain new credit, and obtaining credit at excessively high interest rate.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

During Chapter XXXX, Wells Fargo reporting XXXX missing payments. Mortgage was never in arrears going into filing, XXXX payments made on time each month, mortgage was never behind. During this time period we sought a loan modification at which time Wells Fargo held payments in suspense account. They will not correct the credit reporting.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/ and noticed some things are not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (NJ)

I opened an account with M & T Bank on XX/XX/XXXX. On XX/XX/XXXX per their promotion for a {$350.00} bonus payment I deposited {$500.00} from my payroll into the account. The bank subsequently added a condition to the bonus page showing their were zip code requirements for the bonus. This was not on the bonus offer when I opened the account. When I contacted the bank to ask about the bonus I was told I was not eligible for the bonus as I did not live in the XXXX XXXX and that the bonus was only for residents for XXXX XXXX. I asked to then close the account without a fee and was told I would need to go to a branch to close the account and no mention of the early account closure fee. I would like to receive the bonus as promised. I have a screenshot of the bonus offer from XX/XX/XXXX as proof.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Pawn loan
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I received a letter from a company identifying themselves as California Check Cashing requesting payment for a loan that I know nothing about. I called the phone number on the letter to inquire about the letter sent to me, but they insisted that the only way they can help me is if I disclose my social security number to them which I did not do.
Consumer complaint received 2016-11-02
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I took out a XXXX loan and made XXXX payments on it before I ran into financial difficulties. Checksmart has repeatedly called me at work even after being advised that I can not take calls at work. During most recent call on XXXX/XXXX/16 the caller even indicated that he knew I was at work and could n't talk so he " would n't take up too much of my time. '' Additionally, they call me at least four times just about every day and often call back to back with little more than 30 seconds between calls. I have more than XXXX messages just from the last 30 days on saved on my cell phone.