davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

In XXXX, I submitted a consolidation loan ( XXXX and graduate ) to MOHELA at their recommendation. Upon completion, I had filed for the XXXX plan after discussing it with them, as I am a single father, making {$50000.00} a year. I was finally told in XXXX, after months of being told they do not know what is going on, that they will " elevate '' the call, that the reason the XXXX  application kept getting pushed is because it was filed as a " LEVEL '' plan and not a XXXX. Come to find out, the " elevating '' meant nothing as each representative could not find the others representatives ticket. 

Then, I had to repeatedly get administrative forbearance because MOHELA was facing delays in processing. 

I am trying to qualify for a mortgage. My mortgage lender needs and XXXX plan with an amount or a XXXX month forbearance letter. I spent almost an hour on the phone today, being reassured I would have this letter tonight. I called at XXXX only to be told it may or may not be there tomorrow, we can not make any guarantee. I told them I wanted to speak to a supervisor. I waited and was told I got permission to move on to the next level. Then I get an automated message saying that they would call me back in two days. 

MOHELA is engaging in deceptive practices and I am about to file a lawsuit dating back to XX/XX/2023. I am getting the runaround with this company and I am tired of it. Now it is going to prevent me from getting a mortgage.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

I fell behind on my mortgage after my business failed. I hired an attorney to help me submit a request for a loan modification. My full application request was sent to OneWest XXXX in XXXX 2016. My loan is a 15 year loan which was good while I was making money, however now that my business has failed I really need it to be able to go back to a longer loan term such as a 30 year loan or at least longer term than the remaining 3 years as I can not afford the very high payment anymore. 
I was denied for a loan modification on XXXX/XXXX/2016 by OneWest Bank XXXX for HAMP. The reason given was due to " Investor/Guarantor Not Participating '' " Investor has not given us contractual authority to offer loss mitigation through the Making Home Affordable Program. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe OneWest Bank XXXX has made any effort to ask the investor of my loan to waive the restriction. My attorney states OneWest Bank XXXX is participating in the Making Home Affordable Program and therefore they MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP. 
In addition, the letter dated XXXX/XXXX/2016 which states they can not review for Making Home Affordable, also says " However, upon receipt of a complete application, your mortgage will be reviewed for all other loss mitigation programs ( including available loan modification programs ) permitted by the owner of your loan. We will contact you regarding the steps required to complete our review ... Once the review of your application is complete, we will send you an additional letter that contains the results of our review and if your mortgage qualifies for a loss mitigation program '' - I have never received this letter to date and my applicaton was sent in complete in XXXX 2016. 
My attorney has been asking OneWest XXXX for this letter promised in the above paragraph and I have received nothing to date. They only verbally tell me there is no other options. I am told that RESPA servicing law states they must issue me a denial letter and give me 30 days to appeal it. So far I have nothing except a letter stating they can not review for HAMP and I willl receive an additional letter for other programs they review me for. Again, I have nothing and they say they are not doing anything more for my request. Violation of RESPA Reg X.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (WA)

THE TITLE FOR MY MANUFACTURED HOME. ITS BEEN PAID OFF FOR 30 YEARS AND THEY WONT DO A RELEASE OF INTEREST SO THAT THE NEW OWNERS CAN TRADE IT IN ON A NEW MANUFACTUED HOME
Consumer complaint received 2022-02-03
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. (TX)

On XX/XX/22, I XXXX XXXX attempted to dispute an inaccurate account on my Experian Credit File- The account in question XXXX list wrongful payment balances, amounts & other harmful inaccurate information that drastically affect my ability to acquire credit. I have saught resolution in several instances from Experian, however the account and its more than visible inaccuracies remain on my credit file. Dispite multiple calls to Experian and conversations with supervisors nothing has been done. Per section 501 FCRA I am entitled to written proof as to why this inaccurate account hasnt been removed. If account isnt updated correctly I will litigate Experian
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (CO)

New American Funding has not processed my lien release paperwork. I paid off my home on XXXX/XXXX/16 and was told it would be XXXX60 days for the paperwork to get through XXXX XXXX. I recently was told they actually had n't filed that paperwork until XXXX/XXXX/16. And was told today ( XXXX/XXXX/16 ) that it was still being processed in their system. I want the lien released and am tired of being lied to.
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I noticed a collection account listed on my credit report. 
The debt collector is LVNV Funding. 
The debt amount is $ XXXXI sent them a letter requesting that they verify the debt by providing the original creditors name, and original debt amount etc etc. 
The letter stated that if they ca n't verify the information, they should remove the collection account from my account. 

They have not responded to the letter, nor have they deleted the account. 

The letter was sent with certified mail + signature confirmation required. 

I have a copy of all the documents that were sent to them. 

I also have a copy of the signature provided by the USPS - thereby proving that have indeed received the letter. 

I 'd like this account to be removed from my credit report in its entirety, since there no proof that it belongs to me. 

Thank youXXXX XXXX
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

LVNV XXXX SC XXXX boughht a credit card dbt that is out of statutes and list on credit records as if it was current. It list the accrued interest as a current principal balance. It states a card was opened in the amount odf {$3600.00} and no such amount was ever contracted. Presently, it reports a present balance of {$4400.00}. This is inaccurate and unfair credit reporting and collection tactics.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (WA)

The company CashApp had closed my account at around XXXX of 2023 and was not given a specific reason, except that I had violated the terms of the agreement. I reviewed the terms several times and did not see what it could have been that I violated and when asked, was told that they could not give that information.
Consumer complaint received 2022-07-20
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$4.00}
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

I open my Cash App account and was never provided a card or told why Im not able to get a card like everyone else who opens a Cash App account. An agent says some XXXX stuff to me and I think that may have something to do with it shortly after that, I went onto a site that I thought was a single dating site and it asked me to put information regarding a bank account so I put my routing and account number for my cash app, since I didnt have a debit card, it informed me on the site that it would not be charged at all however, it has been charging my account, XXXX, purchases, and withdrawals since I opened the account Randomly whenever I make a deposit. It takes a small portion. I dont know if this is cash app or someone has access to my account as well, but upon telling them, they still have not stopped my account from purchasing crypto, and they will not tell me why I am not available for a card. I feel the two concerns are related somehow but they will not give me enough respect to investigate. As of now it is a total of {$860.00} that has been taken from my account through XXXX XXXX  transactions cash app will not answer any questions I provide, nor will they stop my account from purchasing XXXX.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX at about XXXX XXXX, I received an email from Wells Fargo stating that there was something suspicious on my account. I denied the transaction that they were questioning. I also turned off my card at the time via the Wells Fargo app. When I woke up the next morning there was another phishing transaction that was reversed. There were also three XXXX XXXX transactions amounting {$7300.00}. I immediately called Wells Fargo, they turned off the card that I already turned off and started an investigation. I filed a police report with my local department on or about XX/XX/XXXX. On XX/XX/XXXX I received two letters stating that they were denying any liability and would not be returning my funds to me and were considering the cases closed. On XX/XX/XXXX I spent about 4 hours on the phone with countless people at Wells Fargo, not a single person can tell me why this is denied. I asked that they please send me the investigation paperwork, the first person I spoke with said they couldnt do that even though the paperwork specifically said that they would send all of that if I requested it. I then called XXXX XXXX. They said they turned off the profile that was used to send the money but they arent willing to do anything further. I am not sure why all of these people expect me to forget that {$7300.00} was taken from me and no one seems to care. My family NEEDS this money. It is Wells Fargos responsibility to fix this for me. I dont know why I am trying to complete my own investigation. I dont have the tools to do so, the bank does.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Good afternoon : My name is XXXX XXXX. I have been dealing with a Servicing Company Select Portfolio Servicing XXXX loan # XXXX for my home Mortgage for the last 11 months on Covid assistance in a plan to update my mortgage with a modification, forbearance or repayment plan. I learned after the 3rd month that I only qualified for a repayment plan. I have been sending them documentation for the last 10 months and have yet to be given a repayment plan or any finalized plan to move forward with!!! We have sent them the same documentation over and over just to have them change how the document reads or what is needed on it. we have given them 7 different profit/loss statements from my Company that they denied by changing how they want it to read or dates, ownership, expenses, etc. They have asked for a verification letter at least 6 time and denying it for various reasons that they did not inform us of until they denied it. When we started this process after the first for months, we owed a back balance of {$16000.00}, which would have been hard enough to pay back in a specific time like 4yrs, yet they still have not given us a final plan and if we didn't keep sending new clarifications, they could proceed with foreclosure. We are now in the rears {$46000.00} dollars which would be impossible to pay back in a year. I don't know what to do!!! My address is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX phone # XXXX and email is XXXX Thank you so much. XXXX XXXX
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, AP XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

On Saturday XX/XX/year> I was assaulted and robbed of my phone in XXXX XXXX my phone has access to my bank account including CashApp and required a pin for transactions. After my phone was stolen the person accessed my Cashapp transferred money out of my Cashapp savings then sent all {$3200.00} to himself which was unauthorized to himself. I filed a police report and actively have a detective working on the case with a suspect. Cashapp has denied my dispute and said I authorized it.
Consumer complaint received 2022-07-20
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. (CA)

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my Credit File? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
XXXX. DPT ED/XXXX XXXX Balance Owed : {$2300.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5500.00} XXXX. DPT ED/XXXX XXXX Balance Owed : {$3200.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5500.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT ED/XXXX XXXX Balance Owed : {$4700.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$4600.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$4900.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc. (WI)

My wife and I have a home loan, but NO OTHER DEBT. We are not only current on payments to our loan, but lucky enough to be able to pay extra. 

XXXX Debt collectors keep contacting me and threatening me that I have outstanding debt and that they are going to take our home, but wo n't give any information to me unless I give them personal contact information. 

I did NOT give them any information, so I do n't know the nature of the false debt or whether someone else is fraudulently using my name. I ca n't tell if THEY are the scam, or someone else is using my info to rack up debts. Please help! 

The number they used is XXXX extension XXXX THANK YOU for your time.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

On XXXX XXXX of 2015 we closed on our house. We were told by the closing attorney that we had to come to closing with almost {$5000.00} over and above the loan payoff amount because, Bay View loan services, our mortgage lender said they wont prorate the loan past the XXXX of the month. So we effectively paid penalties of {$77.00} per day for the entire month of XXXX even though we sold the house on XXXX XXXX. I then received a letter from Bay View saying they received our payoff on the XXXX of XXXX and that we would be refunded our overpayment and our our escrow funds in the amount of {$4900.00} in 21 days. On XXXX XXXX, 28 days later, I called to see where our check was. They informed me that the address they had on file was wrong and the check had to be reissued. I said ok, corrected the address error and waited another 2 weeks. When I called back on the XXXX of XXXX, I was informed AGAIN that the address was still wrong and had not been corrected from the previous call. At that point I asked for a supervisor and was put on hold and then hung up on. My wife tried the same day and the same thing happened. I waited and called again on the XXXX of XXXX and was assured on that day that a new check had been issued and we should have it within the next 7-10 business days. On XXXX XXXX I called again because we still had not received the check, I was told that it was sent and to please be patient. I called them again today and finally got someone in customer service. They informed me that according to their records multiple emails had been sent to the department in charge of this and they had all gone unanswered! No check had ever been reissued! Which means everyone that I spoke with lied to us up until today. The customer service manager that I spoke with assured me that the matter was being looked into now and that I would hear something by the end of the week. We are now 72 days past closing. 
To make matters worse, when they gave me the amount that was to be paid back to us was wrong. 
In XXXX of 2015 we received notice that our current mortgage with XXXX was bought by Bay View Loan XXXX We made our XXXX 2015 payment to XXXX which in turn sent the check to Bay View XXXX who then cashed the check. You will notice the cancelled check in the documents sent. However, when our XXXX statement came from Bay View, it had not reflected the XXXX payment. So the payoff amount at the time given to the closing attorneys was wrong. This company owes us our escrow overage, the penalties for the month of XXXX and the XXXX principal and Interest payment. All totaling over {$8000.00}. 
My wife and I are at our wits end with this and are not sure where to go from here.
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

My student loans qualified for automatic discharge as per XXXX XXXX XXXX borrower defense settlement. My loans qualified for full discharge and refund for payments I made. The settlement conditions should have been fulfilled as of XX/XX/2024. My loans have been discharged but as of XX/XX/2024 I have not received my refund. I have tried calling the Dept of Education but they do no answer. I have also submitted several complaints via DOE website and have not received a response. I also contacted my loan servicer Mohela and they refer my back to DOE.