davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

This is a scam against consumers during the early stages of covid19. I applied for refi with Loan Depot on XX/XX/XXXX, however due to lack of response and service from the loan officer XXXX XXXX, I escalated the issue to his boss XXXX XXXX. The issue is that the appraisal fee of {$490.00} was charged to my credit card when the loan docs state {$470.00}, fist mistake. An appointment was made for XX/XX/XXXX, when no one showed up I inquired about it and XXXX stated that the appraiser did a `` drive by '' and no interior inspection was required and due to social distancing protocols. This is where I feel this company is shady and should be investigated. Per XXXX I would be credited {$490.00} towards closing costs and not a refund to my credit card. Fine, but then the rates went down again and I received a proposal from a competitor which I then forwarded to XXXX to give him an opportunity to o see if he would consider a match and that's when he went silent so I had to escalate to his boss Mr XXXX. Mr XXXX took my information and said he'll see what he could do. Three days later her returns another proposal that while it gave me the percentage I wanted, it was going to tack on a larger amount to the loan which I did not want, so needless to say, I went with the competitor which completed a full appraisal and a higher value to my home. So Mr XXXX handled the reimbursement which was only {$95.00}, I explained that he had it wrong and it was supposed to be a {$400.00} reimbursement and NOT {$95.00}, that is what the `` drive by '' appraisal was supposed to be. The Disclosure lumps all the fees in one line, line L of the disclosure so who knows what all is lumped in there as the total was {$3500.00}. When I inquired with Mr XXXX about the amount, he stated that the appraisal company, XXXX, sent a voucher for {$400.00}. So, I went to XXXX to ask WHO was responsible for the reimbursement and received a response from XXXX XXXX who stated that it was Loan Depots and she forwarded my request to a manager, XXXX XXXX, in the appraisal dept, that was XX/XX/XXXX, I have yet to hear from her or anyone form Loan Depots appraisal dept. Included with this complaint are all of the related documents and communication between us.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Attempting to refinance a modified SAM loan of my primary residence. Requested a payoff quote, submitted all documentation and appraisal that were requested. Mortgage company will not give me a payoff quote, they have TRAPPED me and are not allowing me to payoff loan and get out from under their control. 
This is costing me thousands of dollars and preventing me from buying another home. 
I've called and called, spoken to five " escalation specialist '' and nothing is happening. 
XXXX and PHH Mortgage are dishonest. I want to payoff the loan and get out from under them.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report.

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX  has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the XXXX for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the XXXX Loan based on my low credit score. 

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The XXXX will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum (FL)

A company called the " XXXX '' ( XXXX ) called myself AND my brother and said that I was due in court in two days and that they were coming with a sheriff to serve me papers at either my home or place of employment and that my employer would need to sign as a witness of me being served and arrested! I also had to sign for them and then I was being arrested unless I paid a debt in full. Same company has called me in the past leaving my social security number in a voicemail and telling me that leaving the message was my formal notification and have ID available when I am served and arrested! I have no idea what this debt is and in the few attempts I 've made to discover info about this " debt '' no one can ever give me ANYTHING! Just says what county and state it 's from and that it 's attached to my social security number and current phone number.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Oklahoma Student Loan Authority (IL)

Student loan Student loan of Oklahoma refuses to remove my queen history and failed to several times after I call them and I have XXXX balance and I can't get a home because of this and it's really driving me crazy because I have a XXXX balance.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I called XXXX spoke to Zelle Agent XXXX he remoted into my bank account thri XXXX  while talking he called me from XXXX. Asked me to go to Transfer money to XXXX XXXX at XXXX. Then he opened my XXXX XXXX, XXXX & XXXX XXXX when I realized he was scamming me after he asked for my XXXX account. Told him this was not normal why he was doing this when I told him I was a victim of identity theft. He immediately hung up on me. Called him back and supervisor who answered said he was with another client
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NC)

A second part of my original complaint : Midland threatened to contact my employer/ Supervisor and manager. This company also failed to provide me with documentation to validate this alleged debt and I have not had a delinquent CC debt for 3-5 years so this may be an old debt that is passed the allotted time frame. Ive sent a second request to validate this alleged debt even though I didn't receive a response from them within the 30 days as required by law. 

Original Complaint # XXXX
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$66.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. NO : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX LA XXXX, XXXX This company is publicly known for fraud. It takes almost XXXX effort to investigate and discover this. https : XXXX After more than six weeks after filing a dispute Amex rebilled me for a fraudulent charge from this merchant but failed to provide any evidence or documentation that the charge is valid as required by law.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC (NC)

P & B is contacting me currently with very vague threats intentionally to intimidate me into settling a debt. I received a text from XXXX that states exactly " XXXX XXXX today 's status change to your account has directionally intensified. To rectify call P & B today. XXXX file # XXXX Stop to Stop '' I do believe that it's been completely clear for a very long time that this is unethical and therefore an illegal practice to use to attempt to collect a debt. I feel that I should report it to help others that they may be using illegal and threatening collection tactics against.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

In XXXX we purchased a trip through XXXX on XX/XX/XXXX. It was a travel all-inclusive package for the dates in XX/XX/XXXX for a total amount of {$3400.00}. with the following payment structure : 1st Paydelay {$98.00} 2nd Paydelay {$560.00} 3rd Paydelay {$560.00} 4th Paydelay {$560.00} 5th Paydelay {$560.00} XXXX Paydelay {$560.00} 7th Paydelay {$560.00} My Citi Bank credit card was charged a total of 6 of the 7 payments ( line items 1-6 above ) ( the 7th line item was paid via DIFFERENT credit card and already returned to me ). 

Citi Bank has returned only line item 1 ( {$98.00} ) The other 5 payments have not been returned and I am told WILL NOT be returned because XXXX will not give me my money back even though THEY cancelled the trip at the last moment due to COVID-19 restrictions on travel. ( Attached letter from XXXX  ) Efforts to work with Citi Bank have been going for months and they have repeatedly told me there is nothing they can do which I feel is a disservice. I paid for goods I never received cancelled by the vendor in the form of a letter instructing me to contact my credit card company. 
I want my money back! 
I believe they owe me {$2800.00} by my records.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Service Bureau, Inc. (PA)

I was billed for {$10000.00} for going to the XXXX  for XXXX pain in XX/XX/XXXX. The hospital settled for {$2500.00} which I paid on XX/XX/XXXX. In early XX/XX/XXXX GSB debt collection agency sent me a notice in the mail that I have to pay {$7500.00} I explained to GSB Debt Collector that XXXX XXXX XXXX had settled with me and that I do not owe anymore to the hospital. I explained this in my email to GSB collection agency and I have attached a copy of the transaction and proof of payment with the hospital on XX/XX/XXXX. I also spoke with Account Manager XXXX from GSB on the phone, on XX/XX/XXXX before sending the email to ask why was I getting a bill from debt collection. She said the account will be cleared if I send the proof of payment to the hospital.. I also spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX and she told me I need not worry because I don't owe and that the accout has been settled. That the hospital will send me a copy of the statement of this account being cleared. I have not received this letter until today XX/XX/XXXX. Yet again on XX/XX/XXXX, the collection agency sent me a letter with an itemized list of charges totalling to hospital acct balance of {$7500.00} and payments and adjustments that I paid for {$2500.00}. This being said, I feel being harassed by the collection agency and that I was scammed by the hospital when they told me they settled but then it appears that I still owe them. I am leery that this is not going to stop and it is interfering with my mental health particularly during this time of Covid and hardship.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (WI)

On XX/XX/XXXX : XXXX XXXX, I contacted XXXX  to get fiber optic internet service because my boyfriend was having trouble getting it through XXXX XXXX XXXX. The sales person said XXXX could supply that service, so I gave them information to open an account. 

XXXX XXXX. - I spoke with the property manager at my apartment complex at about XXXX XXXX. and mentioned that I had gotten fiber optic service with XXXX. He stated that he knew for a fact that XXXX  could not provide fiber optic internet service because he had tried to obtain it for the front office but could not. He stated that XXXX did not have the underground cables and hardware to supply fiber optic service to anyone in the building -- only XXXX XXXX XXXX had spent the money to install the correct underground equipment. 

XXXX, I called XXXX back to cancel the account. I explained what I had learned to the representative on the phone. After about 20 minutes, the person on the phone stated that the account was closed. He said there was a chance that I might still get equipment in the mail and if I did, to just take it to a XXXX  store to return it. 

XX/XX/XXXX I received internet service equipment from XXXX via XXXX. I did not open it or install any equipment XX/XX/XXXX I received a bill for {$160.00}. I assumed it was not correct because I had not yet returned the equipment. 

XX/XX/XXXX XXXX XXXX - I returned the unopened equipment to the XXXX  store on XXXX XXXX, in XXXX. I watched employees open the box and take out shrink-wrapped equipment. 

XXXX XXXX I received another bill, which showed a previous balance of {$160.00} but did not explain those charges or say it was a final bill. 

XX/XX/XXXX I received a letter from AmSher Collection Services , Inc., stating that it had been hired to collect the {$160.00}.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (ID)

I have a court order that absolves me of responsibility on a Us Bank acct opened in 2008 because of fraud. XXXX XXXX XXXX has been harassing me, and people who know me, about this debt. They havent provided anything in writing and make false claims, such as : theyve checked my credit, this is a filed judgement and I better not miss my court date.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

in accordance with the Fair Credit Reporting act Midland Credit Management 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I have not been contacted by this company at all.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since 2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.
Consumer complaint received 2020-06-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank in XXXX began this process after I was referred to them by XXXX XXXX Loans. I don't know why they referred us, as when we put a deposit on the new construction condo in XXXX, XXXX was the preferred lender. 

Closing was to take place this Monday, XX/XX/XXXX. The main loan agent XXXX XXXX XXXX, NMLS ID # XXXX, has been unreasonably delaying the approvals for this loan. I have been asked to provide the same financial documentation numerous times throughout this process. 

Mr. XXXX has told me that XXXX XXXX is his supervisor. Then he got someone on the phone they identified as XXXX XXXX as the department supervisor. Whoever the gentleman was XXXX got on the phone gave me a bogus telephone number to call him back. This was this morning. 

I am reasonably certain throughout this process I have been lied to several times. 

I was told that Mr. XXXX had several loans approved for this building. If that is the case, then I can only assume the road blocks he keeps throwing in the way of the closing are the result of anti-gay bias. I will also be filing a complaint with the appropriate agencies on that front. 

Today, I also emailed the Chairman of the bank, XXXX XXXX XXXX. I have yet to hear anything back from anyone. Therefore, I will also be filing complaints with the OCC and the CFPB. 

Please not that I am the owner of a financial institution myself and I have never made this type of complaint against anyone. I take these kinds of matters very seriously. 

XXXX XXXX and XXXX XXXX should NOT be allowed to continue in this work if they so obviously treat customers, and especially gay customers with this kind of disregard. 

I do assume they think this is funny - to delay my closing as much as they can and see how upset I become. 

Please also note that every item they required to move the loan to underwriting was uploaded to the bank 's secure portal as soon as it was requested. And yet, multiple requests were made for the same documents. 

Please let me know what additional information I can provide to investigate this complaint. I know this will not help my loan get cleared to close any sooner ; however, if this is systemic, the bank should be investigated as well. 

This is deplorable. 

Please note, if necessary, I have copies of every email correspondence.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I have been trying to remove the private mortgage insurance ( PMI ) from my FHA mortgage account. 
One, my online account states PMI is not a feature of my loan. 
Two, my previous attempt they told me I was not 78 % and not eligible to remove it. However, according to my calculations it was. So I waited some time. 
Second attempt, now the that debt has decreased, I tried again and I was seemingly given the run-a-around for 3 weeks. Being told my LTV was at 79 % and they would likely push it through and to wait for my final letter on XX/XX/2020. The final letter never came, so I called back around the 15th to be told it was denied. The representative couldn't provide any information so he transferred me to a supervisor who also couldn't provide any information because the department that handles it does not speak with borrowers. They can only submit the requests on my behalf. Furthermore, I am unable to see the requests they are submitting. 
The currently home value according to my lender is {$230000.00}. Everywhere else my current home value is $ XXXX. However, even using their under valued amount, I owe {$170.00}, XXXX which would place my LTV at 74 % and eligible to remove the PMI. Since I am unable to talk to the department, submit requests on my own, see the requests or even see the PMI status on my loan via the online account ... this was my only option. I'm not sure where to go from here.
Consumer complaint received 2022-11-06
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)

Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee.
Consumer complaint received 2021-02-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My issue started in XXXX when I got a loan modification from XXXX. Went through the trial period and got a regular schedule payment one year later. XXXX XXXX  took over and they took me back to XXXX stating that they dont see a modification from then I have change services 3 times and no one can basically tell me how they going to resolve the isssue. Im just told to continue paying they will resolve it. Im now 5 years later with no resolution. It affecting my credit and my interest I have left to pay