davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX check my credit report and Equifax had delete my credit report and insert old accounts. Called them and they told me to call the company for my credit card and loans. Did that around XX/XX/XXXX everything was place back. XX/XX/XXXX all my accounts was there and Now XX/XX/XXXX everything is gone again now. I have called and spoke with manager supervisor and they cant tell me what happen to my credit file and stated I have to call the company. Which I don't think is right because I have call the company last month when this happen and they stayed they have report to them. I'm middle of buying a house and now I don't have no credit file for Equifax now
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I make over-payments nearly every month. My account at with my mortgage servicer is supposed to be set up so that over-payments are automatically credited to the principal. However several times over the last few years Ditech has taken to diverting my over-payment to other " accounts ''. Several times they have taken to diverting my over-payment into an " Unapplied Funds '' account, as if I had not made the full payment due. Each time I notice it on my next statement, I have to call in and have the customer service representatives move the credit to my principal, and each time they tell me that my account is set up so that any over-payment is applied directly to principal as of the payment date and they " have no idea why this happened ''. They will " fix it '', and for stretches of a few or several months the payments are applied correctly again. 
Last month, my servicer diverted my over-payment to my escrow account, although I did not designate the over-payment to go to escrow. When I called in again for them to fix this problem, I got the same line from the customer service representative : my account is set up so that all over-payments go to principal, we have " no idea how this happened '', and she submitted for it to be fixed. This time I thought to insist on the application to my principal being back-dated to my payment date as well. 
As per my understanding of my account terms, all over-payments I make are supposed to be credited directly to principal. Each time I speak with customer service representatives they confirm this to be true, but the company just does whatever it likes with my money. I resent that I have to babysit my mortgage servicer. Carrying an extra hundred or two on the principal for a month or so costs a few dollars of interest, but if I was not quick to pay attention it would add up. This time, the one diverted over-payment was {$280.00}. When put into a mortgage calculator at the correct date, that one over-payment saves me {$490.00} in interest charges over the projected life of my loan. That is hundreds of dollars more profit to this servicer than I even suspected! By waiting just one month for me to notice and apply the over-payment, they might have profited an extra XXXX dollars and change from me, but it all adds up! 
As far as I see it Ditech is stealing by account terms manipulation, purposefully. They brag that they service XXXX loans. Granted not everyone makes over-payments but how many other people are they stealing from in this manner? It ca n't be legal.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

The outcome of a previous CFPB complaint against Ditech ( case # XXXX ) was that Ditech agreed they made an error by not including my PMI payment in my escrow analysis in XXXX XXXX, therefore this resulted in listing my monthly payment incorrectly, was told it was XXXX when in fact it should have been XXXX. I have been trying to get Ditech to correct their mistake since XXXX XXXX. XXXX XXXX, XXXX Ditech finally agreed they made a mistake and provided a solution to rectify the error, the issue is that they cant seem to follow through with their own solution. Per the compliant Ditech stated " Ditech 's records reflect that you currently have {$790.00} in XXXX, and your loan is due for the XXXX XXXX, XXXX installment. Along with the {$850.00} which is being waived, this will be enough to cover the XXXX XXXX, XXXX, installment and leave {$480.00} remaining in XXXX. Your loan will then be due for the XXXX, XXXX installment of {$1100.00}. You may apply the XXXX balance toward your next payment, in which case you would only need to submit {$680.00} for the XXXX XXXX, XXXX, installment. Otherwise you may have the remaining XXXX applied to principal ''. 
Due to my bankruptcy I can not speak to an actual Ditech rep but rather a 3rd party called XXXX Bankruptcy, who has no authority to make the necessary changes to my account and does n't seem to understand Ditech 's transactions on my mortgage. Per my phone call on XXXX XXXX, the rep and her supervisor still stated I was past due and they could not clarify with me why and stated I now have a balance of {$100.00} in XXXX, again they could not articulate why this was. 
Per Ditech 's proposed solution to THEIR error I followed through on my end by submitting a payment of {$680.00}. Based on what they said, I should now be current, with my payment due date of XXXX XXXX, XXXX. 
I did the simple math of how much I have paid from XXXX XXXX - XXXX XXXX versus how much I should have paid had I been told the correct payment amount : XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX. 
XXXX XXXX - paid XXXX XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX These amounts equal {$12000.00} ( Amount I actually paid from XXXX XXXX XXXX XXXX. 
Had Ditech not made the error I should have paid XXXX each month, which would have totaled {$13000.00} XXXX amount I should have paid from XXXX XXXX XXXX ). 
So the difference between XXXX - XXXX = XXXX. 
Ditech agreed to waive XXXX so XXXX - XXXX = XXXX. 

I paid XXXX on XXXX XXXX, XXXX through Ditech 's website. Therefore I should no longer be past due and as of this moment my XXXX XXXX, XXXX should be due. 
I need Ditech to follow through with what they agreed and I need someone to understand my simple math as to what I paid versus what I should have paid and then subtract the amount Ditech agreed to waive and the amount I paid, per Ditech 's solution.
Consumer complaint received 2017-03-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CULLEN/FROST BANKERS, INC. (TX)

I had a builders construction account set-up for myself and XXXX. We deposited {$170000.00} into it, and XXXX deposited another {$170000.00} into it in as loaned funds in our behalf. Frost Bank set-up the account as a construction debts account in our behalf with the builder. The builder began to misappropriate funds and mismanage the account. The Bank fired the builder, and now we want to know if the account was insured by the bank for theft and fraud, and if so, buy whom or what federal agency.
Consumer complaint received 2015-12-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XX/XX/2013, should be removed. Scottrade is in possession of a police report that supports this request.
Consumer complaint received 2016-10-13
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (NJ)

I applied for XXXX payday loans for which I was approved. But after given the situation more thought, I decided not to take either loan. Since then, I have been receiving several unknown phone calls stating that I have several claims against me with threat of legal actions. As I know that there are no claims against me - legal of otherwise - I did not give any credence to that information. What concerned me was that the person had part of social security number. I believe that this information could have only come from the information I input on those XXXX applications. The person would not identify herself or who she represented, but insisted that I verify my social security number. After stating to her many times that her claims were false, the person hung up the phone. A trace on the phone number ( XXXX ) yielded no results so I can not state the entity that called.
Consumer complaint received 2016-05-05
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (CA)

On XXXX/XXXX/2016, DT CREDIT ( DriveTimeXXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, conducted a credit inquiry to my credit record from XXXX without my consent or information provided directly by me. 

This adversely impacts my credit report at a time in which I am trying to seek financing for a VA home mortgage within the next 90 days. 

I do not have an account through DriveTimeXXXX, nor am I currently applying for an account. They claim this information was provided through a third-party company to them.
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

PDQ Services attempted to charge me {$4400.00} without including {$500.00} pet fee and monthly pet rent and {$300.00} risk fee to be included in my deposit. I 've attempted to contact the manager  of the company by email and phone with no response in order to speak on arrangements and settlement amounts. No one has returned my calls. With paying a monthly fee, I was still charged to replace carpet in the entire apartment totaling {$1100.00}.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (NY)

In my previous complaint for ACS student loans Case number : XXXX, the company responded asking for a copy of a cashed check, which shows the company is trying to delay this issue to gain time and put my account on late charges. ACS has been withdrawing payments from my account for the past 5 years, so for them to ask for checks shows the internal problems this company has and the need for a governmental audit for fraudulent actions. I already submitted as requested the bank statement and that shows clearly the withdrawn twice done on XX/XX/2015 
Second the company never adressed the question of the interest rate charged to my account and the changes they made.
Consumer complaint received 2015-06-12
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I traded my XXXX XXXX XXXX LEASE for a new XXXX XXXX XXXX XXXX, XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.
Consumer complaint received 2016-09-27
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MARINER FINANCE, LLC (FL)

On several occasions I have submitted certified letters to company Mariner Finance regarding incorrect information on my credit file. I called and spoke with a representative in XXXX and ask that they provide me with proof that this debt in question belongs to me. Representative stated original company went out of business and filed were lost in the process of being reassigned. I followed up by contacting the corporate office regarding this error and The company has failed to respond and provide proof ( signed contracts ) of said debt. This is incorrect info does NOT belong to me and is ruining my life!
Consumer complaint received 2016-07-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST (AZ)

The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance. 

In addition to this erroneous reporting ; My report dated XXXX XXXX, XXXX reported this item as charged-off XX/XX/XXXX. Bank of the West has now changed the charged-off date to XX/XX/XXXX and then again for the 3rd time with a new charged-off of XX/XX/XXXX. This company clearly keeps reporting erroneous inaccurate information on my credit report. 

This new charge-off date has dramatically lowered my credit rating/score and has damaged me greatly. Potential creditors see this as a " NEW '' item that is in default ; which should NEVER have been reported as " Charged-Off '' in the first place. 

Re-aging an item is a violation of the FCRA. Furthermore this erroneous information has caused me to be turned down for home financing. 

The reporting also shows a balance of {$250.00}. I was never notified of a due balance because I had GAP insurance, there should not have been a due balance. 

I 've disputed this erroneous item with XXXX, XXXX and XXXX and Bank of the West has verified that the information is accurate. Which clearly is not.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

I closed my XXXX account a year ago, sent the equipment back, now a third party collector says that I owe over three hundred dollars for a back payment and early termination fee. When I closed the account, the rep from XXXX stated that with the return of the equipment that the account was satisfied.
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS (VA)

In XX/XX/XXXX, I took out a XXXX XXXX " XXXX '' deal to pay for my Iphone 6+ along with my regular monthly payments. This is my only debt apart from my monthly credit card debts XXXX XXXX cards ). I pay all XXXX debts through auto payments. When I applied to renew my home, car and liability insurance with XXXX XXXX XXXX, I received a notice from them that the company had a credit report from Lexis Nexis from which XXXX had constructed a score to use in pricing my insurance. The note also said I could apply to Lexis Nexis to get a free copy of my credit report. I called Lexis Nexis on the automated phone request system but never received a report. Exactly the same thing had happened XX/XX/XXXX except that then I tried unsuccessfully to phone and then instead wrote a letter dated XX/XX/XXXX to Lexis Nexis XXXX I still have a paper copy-see below ). This time, XX/XX/XXXX, instead, I did not write but tried again to phone the Lexis-Nexis XXXX XXXX, and was put on hold for about 10 minutes and then cut off. 
Though I have few debts, I do want to monitor my credit reporting history to ensure accuracy, and I am frustrated how to get my right to the report without vast expenditure of time and energy. Please advise. Thank you. 
PS. the attachment briefly shows in the box and then lands below the box below!
Consumer complaint received 2017-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (CA)

loan with LoanDepotDBAIMortgage this company rip me off XXXX basis points. charged {$7100.00}. on a {$200000.00} loan amount. 
They make you sign disclosures when you meet with loan officer XXXX XXXX XXXX XXXX XXXX XXXX ) who explains to you so fast turning the pages so that you have no time to read every detail. He explained you will not pay anything out of pocket for closing costs, that the builder 's credit would be to pay all closing costs. At closing I ended up paying over {$5000.00} out of pocket as they came up with new figures and they gave me no opportunity to reject. How can you believe that {$5000.00} from mortgage company and {$12.00}, XXXX from builder were not sufficient to pay closing costs? They got the {$5000.00} from increasing the interest rate .5 %. They advertise that you will get {$5000.00} rebate if you get a loan with them. It turns out that they do n't give you anything but they get it from you by increasing the rate to create a rebate. In turn you end up paying for it but they do not explain it. This is how they rip off people who do n't know the intricacies. unaceptable! 
Also they rip you off by using their own services for Credit report {$65.00} when in fact a credit report cost is {$15.00}, and Appraisals without giving us a receipt of what it costs them. This should be against the law.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (CA)

21st Mortgage bought our mortgage from XXXX. 21st Mortgage has created an overage account without my consent. I pay {$1000.00}, the payment is {$530.00}, but I pay an additional {$460.00} to be allocated to the principal amt. This is how it was done with XXXX. Instead of placing the XXXX in principal amt, 21st mortgage has created an overage acct. Also, 21st mortgage does not send me a monthly stmt with the new balance, nor am I able to obtain the balance online.
Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have been trying to complete a short sale with BSI Financial who has now purchased my loan as servicer XXXX ( lender ), as outlined in the Relief from Stay they filed in my Bankruptcy case. My agent has been working with them and receiving emails directly from them in which they continue to change the terms of what they need to get an approval. First, they declined the offer we presented due to it being an investor buying my home and the value being too low. BSI sent an appraiser to look at the value of my home, and he went inside my home on XXXX XXXX, 2015, but never disclosed to me what the value is. My agent and her short sale team requested the valuation many times without any response from them. I believe they have to provide it per the XXXX valuation rules. The bank then cut the commission in a later email to make it harder to obtain a buyer. Then, they required the buyer be owner occupied and get cross qualified with their lender. They even provided exact XXXX comments that my agent used exactly as they requested. We complied with this and my agent held an open house and obtained an owner occupied buyer ( and getting the Owner Occupied Affidavit signed that they provided ) with a much higher offer, {$15000.00} above market price. The buyer did get cross qualified with their lender as they requested. We submitted the full offer with all documents, repair bids and comparable sales as they requested. They declined the file with no reason other than a XXXX line email " offer is too low ''. BSI Financial should provide me with the value they believe my house to be worth and/or counter offer the great buyer we have. Its a nice family who is spending time and money to wait for some response from the bank. My agent and short sale team emailed BSI on XXXX/XXXX/15 requesting correspondence within 3 days and to provide the valuation done on my home. We have yet to hear anything from BSI Financial. XXXX XXXX XXXX is the person who has been in touch with us. We have asked for his manager and left many messages with no response. In addition, my lawyer has already obtained the required approval from the bankruptcy court allowing the short sale, which cost me legal fees. I do not believe that they are doing anything to assist me preventing foreclosure on my home, in fact, they seem to be stalling and trying to deny me as they want to foreclose. They clearly do not want to work with me on this short sale, even though I have a physical and financial hardship.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I have been trying to obtain a modification for this loan since XXXX XXXX and I have not received an answer. I have been working with XXXX XXXX XXXX and recently they sold my loan to BSI Financial Services. I honestly believe that this company has no intention of issuing me a modification for my home. I submitted a modification package In XXXX they review my file and told me I have until XXXX XXXX, XXXX to submit additional doc. I submitted the additional docs on XXXX XXXX, XXXX. I spoke to XXXX XXXX assistant and told him when to anticipate the documents because I was coming back from vacation and they will be submitted on time. I was told that once a modification was in place the property can not be sold. I received documents that my property has been sold. Then I receive document that the sale date was set for XXXX XXXX, XXXX. When I spoke to XXXX at the BSI he assures me that he would check that out and contact me. When we spoke he reassures me that there was no sale date set for my property. Yet I continue receiving court document of a court date. While I am waiting to hear the outcome of my modification, on XXXX XXXX, XXXX, I received a document dated XXXX XXXX, XXXX that they did not received my additional document so they can not issue me a modification and I have 30 days. Well the letter was dated XXXX XXXX, XXXX. So my question is ... 30 day from what date? I have called and left dozens of messages and no one has returned my call. Well, I do not know what kind of game they are playing. But the government need to put a stop to BSI and there unethical treatment toward consumer/borrower. I am in need of a modification for my home. I have a stable and sufficient income and I am more than able to afford this home. My place of employment is XXXX minutes from my home and I stay with my XXXX children. I am asking you to help me to work out this issue.
Consumer complaint received 2015-06-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (NY)

VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX