davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (KY)

This is a follow-up to Case Number XXXX. US Bank acknowledge in their response that they misplaced a check and once a new check is issued and paid they will resolve the outstanding loan and ensure the " credit bureau is corrected effective the total loss date. '' On XXXX XXXX, the insurance company sent a mailed a check replacing the check US Bank lost. I immediately went to the bank to sign the check over and to being the stets to resolve this issue. To date, I have not received a release of the lien. Instead, I received a " Notice of Intent '' demanding {$5600.00} considerably more than the {$3200.00} balance noted in the XXXX XXXX letter mailed to be in regards to my previous complaint. Furthermore, US Bank has failed to pay back the {$180.00} overpayment ; stating it was recouped to pay for fees. I advised US Bank that I was unaware of being charged any fees. I inquired as to what the fees were pertaining to and again advised that if they were related to charged that would not have been incurred if the original check had not been misplaced. The bank representative ( XXXX ) could not advised. I did inform US Bank that without being informed of any charges and their ability not to justify retaining the {$180.00}, is nothing more than theft.
Consumer complaint received 2017-02-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

Our mortgage loan was transferred to LoanCare in XX/XX/XXXX. During that time they failed to pay our Taxes on time, in fact they paid them a year late after a penalty had all ready been added. Here we are once again in the same situation. When they finally paid the XX/XX/XXXX taxes they next day they drafted our escrow account and took out the XX/XX/XXXX taxes so that was on XX/XX/XXXX. Here we are XX/XX/XXXX and the Tax Assessor has not received payment. I have notified the company since XX/XX/XXXX of this and still not able to resolve this issue, and now a penalty has been added. Our payment has gone up about {$400.00} due to the fact they are not calculating the escrow correctly. I have been in contact with the Tax Assessor we live in a small town and everyone is very familiar with one another and they have not received any calls from Loancare concerning this issue. Every time we call we get the run around. It does not take 3 months to locate a missing payment and reissue a check. I do n't know what else to do I am grasping for straws. I have asked to speak with a manager and I do n't get any where all they say is that they will escalate the issue. I have yet to receive a call back from them but I continue to call them weekly.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (PA)

I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and XXXX removed the accounts. I sent the results to the Equifax and XXXX but the continue to say the information is correct. My question was if XXXX found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. XXXX then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

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 XXXXXXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A
Consumer complaint received 2017-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

The note on our home located in XXXX California allows us to pay our mortgage to LoanCare right up to the XX/XX/XXXX of the month, I pay it through my bank with online banking so I 'm never late. however despite paying LoanCare on the fifteenth of the month they always send me a late payment notice demanding and extra {$50.00} as a late fee multiple times with a letter, however, we are not late. If I thought there was a problem with my bank then I would file a complaint with the Controller of the Currency, but my bank pays everything on time as reflected in my credit report scores. I have already notified LaonCare to stop this practice and they have replied with a letter, however I don not expect any change. now they are notifying me our home owners insurance has expired 19 days after the date they allege our hazards insurance has expired forcing us to comply with the choice of their insurance company resulting in higher fees. These are deceitful and misleading practices and need to be stopped.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

For some reason my account was out of no where placed inactive whenever I call it gives my available balance nothing else I've called and spent days on the phone to get no answers Why is this happening how do i fix it why wasn't I warned or asked if additional info was needed im.confused and noone will help me. 

At least send my balance in check im over this
Consumer complaint received 2016-05-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (CA)

I refinanced my house through Quicken Services in 2005 and noticed that the amount of interest paid monthly was the same even though I was paying on the principal even after several years. They explained that this was normal. 
I later discovered that this was an interest loan that is generally targeted towards wealthy people who make over XXXX a year. 
I did not want this kind of loan since I have never made this kind of money and now I am told through my legal insurance that these thieves made this the norm and walked away with the blessing of the banking industry. Regardless of the fines that these people supposedly paid I have yet to see any of that money or compensation for their dishonesty. 
I am a military veteran with over 40 plus years working in XXXX and I do not make that much money. Please help. 
I am attaching the loan document from Quicken.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

ILLEGAL FORECLOSURE Auction against our home - set for tomorrow, XXXX XXXX, XXXX, XXXX at the XXXX. entrance to the County Courthouse, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. We appeal to the authority of your Offices for consumer protection and investigation of Nationstar Mortgage LLC. 

NO LENDER NAMED on the purported Notice of Default, nor in the XXXX ( expired ) /XXXX NOTICE of TRUSTEE SALE..for an alleged account that DOES NOT belong to Consumer. No records of alleged debt. No " competent and verifiable material evidence '' to prove its claims and its BONA FIDES. Alleged DEBT remains to be in DISPUTE -the issues on its " intentional misrepresentations '' of the nature, character and amount of debt REMAIN to be OPEN. Nationstar could not even agree with its conniving agent Quality Loan as to the amount of alleged debt purportedly owing - with an exceptional $ XXXX variance in its Statement of XXXX/XXXX/XXXX -- - 3 days from Quality 's Notice of Trustee Sale issued XXXX/XXXX/XXXX. 
ALL Nationstar has are documents that anyone could obtain from public records, then stakes a claim against our home by recording its XXXX assignment instrument, purportedly from XXXX in XXXX XXXX, and notarized all the way in XXXX, XXXX! [ Perhaps, XXXX XXXX ran out of notaries ...? ] This instrument of course violates Federal and State Laws - CA Penal Code 115 for robosigning, XXXX HOBR 2924.17 for lack of competent and verifiable evidence to support the same, and then XXXX Civil Code 2936 that provides " assignment of a debt secured by mortgage carries with it the security " Nationstar 's XXXX assignment is of course not supported in any way in its alleged copy of Note in XXXX ( in Court records ) - that is left devoid of any " Nationstar '' marks ... 

ALL THESE and more " intentional misrepresentations of material facts '' and dual meanings per FDCPA ... .as basis for its UNLAWFUL foreclosure auction tomorrow ... for its undue enrichment. 

THANK YOU CFPB for your remarkable efforts in cracking down unlawful and deceitful practices in the finance industry to protect U.S. Consumers from predators who violate laws for their undue enrichment. We trust your investigation of our case would merit an enforcement action against Nationstar Mortgage LLC. [ exhibit files to be faxed shortly ]
Consumer complaint received 2015-04-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (DE)

I got an auto loan via Regional Acceptance in XX/XX/2011 for a vehiclecosting 25,000 and after 3 and a half years of payments, theprinciple on the loan has only dropped {$5000.00} after paying $ 600a month
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar acquired our mortgage from XXXX in XXXX of 2015 and immediately began showing delinquency of monthly payments, which was not the case. They then began sending me letters indicating payments were missed altogether and further action would be taken to collect the debt if this was n't corrected immediately. sent statements showing two months worth of payments were due even though their own transaction history on the website showed no missed payments and all payments completed. To make matters worse, my credit report now shows XXXX missed payments and several late payments and has ruined my credit worse than it already was. Each month I receive a nasty letter saying my payment has n't been received, even though it has been deducted from my account and shows up on their own transaction history. attempts to contact them have been completely futile as the XXXX or XXXX person on the phone barely understands me nor I them. My last actual conversation with them was a XXXX minute explanation by me of their own transaction report showing all payments made and absolutely no comprehension on their part of what I was trying to illustrate. I 'm ready to sue and have consulted with an attorney on the matter, but my costs will be ridiculous in order to get this matter resolved. Please help if you can to clear this up. I feel as if the company is not a mortgage holder, but a debt collection agency which is trying to squeeze something from me they are not entitled to. I never had a single issue with XXXX by comparison, but these people need to make it right and stop harrassing me about their own incompetence. Thanks
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I already sent report to FTC with FTC report # XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$590.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$150.00} ; MEDICAL XXXX Balance {$690.00} ; MEDICAL XXXX Balance {$3300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: URS Holding, LLC (KS)

On XX/XX/2017 I was contacted on my cellular phone while in class at XXXX Central Time by ( at that time an unknown female caller ) my caller ID listed the call as originating from ( XXXX ) XXXX. Upon answering the call there was absolute silence for about 5 seconds and then a few clicks and the caller asked for me by name and then stated the last 4 digits of my SSN and asked if it was mine I replied " um hum '' and then she asked me for my student ID number from the last college I attended. I asked her what the call was about and she just kept asking for me to verify my PII I then asked her who was calling and she refused to answer. At no time did she ever disclose at all the purpose of the call or even what business she was calling on behalf of. 

I asked her to just mail me whatever she was calling me about and she asked me to verify my address and I told her to mail the info to whatever address they had on file as I thought the call may have been some sort of phishing scam. She then repeatedly replied " So you do not want the information '' I repeatedly stated to just mail it to whatever address they had on file. After a bit of back and forth I informed her that I did not ever consent to calls on my cell phone and for whomever was calling not to contact me by phone again. At this point she asked if I wanted to speak to her supervisor and I said sure. At this point she disconnected the call so I called the number back that appeared on my caller ID and it connected to dead air and I was quickly disconnected. 

On XX/XX/2017 I received a collection letter from Alltran XXXX dated XX/XX/2017 for a debt allegedly owed to The XXXX ( Which I do not owe ) asking me to contact their office. On XX/XX/2017 I called their office thinking it was possibly their office that called me on XX/XX/2017 with the phone call that was in violation of multiple State and Federal laws. The individual I spoke to confirmed that it was them who called on XX/XX/2017.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I got two emails over the weekend. One stating that my deferment request had been approved and the other confirming that the payment term of my loan had changed. This was odd because I never filed a request for a deferment. When I logged into my account, I immediately noticed that my balance had dropped by almost {$6500.00}. Obviously this is great, but I wanted clarification. I called into Navient today and asked A : why was I granted a deferment in which I never requested and B : why has my balance dropped such a significant amount overnight? I was given no definitive answers and was told that they had just received notification from my college that I was no longer a student there. I graduated XX/XX/XXXX. I asked for a copy of that letter and was told that it could not be provided as it was internal use only. They confirmed that my new balance is a correct balance but gave me no answers to my questions. This obviously is startling. It makes me question the legitimacy of this company I 'm paying on a monthly basis to track what I truthfully owe on my loan. How can I trust that this is correct? When looking at statements, I also noticed that even after paying more than the minimum payment amount, my balanced barely moved. You would think that it would reduce the amount owed quicker, however, the balance seemed roughly the same. I just want answers and I want to be able to trust the company I 've been paying for over 10 years on the first of every month religiously. I 've attached my statement as of XX/XX/XXXX as well as my new statement as of XX/XX/XXXX and the deferment approval letter that I got even though I never applied for it.
Consumer complaint received 2015-08-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (TX)

A recording from Focus Receivables Management keeps calling saying that they are trying to collect a debt. Sometimes I pick up, but there is no real person to tell that they have the wrong number. I do not know if they are the same people calling my cell, but someone keeps calling my cell to collect a debt. Once I talked the the cell phone people and determined that it is a scam. However, they keep calling and harassing me. I manage all of my debts carefully and have checked my credit report. The debt is not mine or they are a scam. The number that they tell me to call for Focus Receivables is XXXX. The numbers calling my cellphone include XXXX. I block them each time, knowing they are a scam.
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Helm Associates (PA)

In XX/XX/XXXX purchased a XX/XX/XXXX Chevy Impala. Since then I believe the car sold to me is a lemon. In the past year I have experienced many different problems, along with constant recalls from the transmission and the ignition which is linked to accidents. None of these problems have been fixed. I recently took the car into a service center and they informed me of not only the problems I was aware of, but also they then informed me not only was the car not worth the blue book value, but the engine was going to fail probably within the next week. I have since then decided to turn the car back into the place of purchase and have called and informed of the decision to return the car. Since then I have received constant harassing phone calls from them, but I have informed them I ca n't bring the car in because they have zapped the car so I am unable to drive the car to them. I did inform them the location of the car so they can come and retrieve it. During the entire process I feel as though I have been disrespected by several members of their staff and was not dealt with in a professional manner. I also feel as though they have threatened me and told me how " they '' will handle the situation. There is a right and a wrong way to deal with a customer, and their customer service has been appalling. My final conclusion is that B & B Auto is a company that is not honest and will sell a car to anyone if it means them making a dollar. They are disrespectful and do n't value their customers. Sadly I have heard this about them before, but now I have experienced it for myself and will not be recommending them to anyone.
Consumer complaint received 2016-08-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Attached below is a letter I received from a debt collector. Please see where it says Note 2. They have threatened to seize my bank account and I know for a fact that is illegal in Texas. I consider this a direct violation of the Texas Fair Debt Collections Act. Please see the excerpt from that Act : Harassment and Fraud are Prohibited State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to : threaten XXXX or other criminal acts ; use profane or obscene language ; falsely accuse the consumer of fraud or other crimes ; threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings ; use the telephone to harass debtors by calling anonymously or making repeated or continuous calls ; make collect telephone calls without disclosing the true name of the caller before the charges are accepted. 
The use of fraudulent or deceptive practices is also prohibited, including : using a false name or identification ; misrepresenting the amount of the debt or its judicial status ; sending documents to a debtor that falsely appear to be from a court or other official agency ; failing to identify who holds the debt ; misrepresenting the nature of the services rendered by the collection agency or the collector ; falsely representing that the collector has information or something of value in order to discover information about the consumer. 
Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt. 

You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here : XXXX ( tax exemption FAQs ).
Consumer complaint received 2016-05-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I 've started a new job which means my pay dates are off from when i first started the loan. i called to have the dates moved to the days that i actually get paid, and was told that i could n't do that.
Consumer complaint received 2016-08-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I am inquiring about a payday loan I had with Ace Cash Express between XXXX XXXX XXXX XXXX XXXX. I was informed that if I took out a loan within the timeframe noted above that I would be compensated due to the XXXX XXXX settlement that you all reached. I want to make a claim because I did have a payday loan with Ace at that time. Can not recall exact date. I do not have the loan papers anymore. I visited the Ace Cash Express on XXXX XXXX in XXXX Co. for XXXX dollars and was banking with XXXX Bank at the time. When and how will I be compensated? 
thanks XXXX XXXX