davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC (WA)

XX/XX/XXXX applied and approved for va refinance XX/XX/XXXX called broker ( XXXX XXXX ) we paid up front {$920.00} for a Va Appraisal and the {$920.00} is included in the loan..he said he would take care of it XX/XX/XXXX notary brought loan documents XXXX to be completed to close on XX/XX/XXXX ... we questioned the ALTA settlement statement as the {$920.00} for the appraisal was included in the charges ... also many pages had blank spaces, which the notary said the loan officer or escrow officer fills in later? Also the settlement statement says due to the buyer $ XXXX..closing disclosure shows to buyer {$3400.00} ... we actually received {$5600.00} ... ..those figures are no where on our loan papers. 
XXXX called and emailed broker questioning the settlement statement ... he responded to the email that he was gone for the day, and he would check out the figures tomorrow XX/XX/XXXX recent email as we had no response XX/XX/XXXX still no response called and left message and again resent the email XX/XX/XXXX sent email asking for our copy of signed loan documents to see how the blanks were filled in XX/XX/XXXX received email response telling us we were definitely getting the {$930.00} appraisal money back..and he was going to refer to his boss to check over the loan papers XX/XX/XXXX received copy of loan docs ... no blanks filled in ... no signatures on it Called and left voicemail XX/XX/XXXX received email with picture of a check for {$920.00} XX/XX/XXXX called for update on his bosses research ... As we felt the {$920.00} was in the loan cost and calculated to add to loan amount ..., we wanted it corrected and loan payment refigured ... .he told me that the hassle of doing that to save a few dollars was not worth it ... we told him {$920.00} was worth it to us.it would lower the total cost of the loan by nearly $ 1000..then he told me he was so done with this and he would have his boss call me XX/XX/XXXX sent and email to broker XXXX XXXX, telling him we had not received a call and did he really forward to his boss He responded with Yes I referred to my boss. The {$920.00} was refunded to you I responded what about correcting the loan items that were included in the total amount financed ( ieloan appraisal ). Your boss never contacted me..may I please have your bosses name, email and number His response This was a cash out loan. The {$920.00} was coming back to you regardless because it was erroneously included in the loan amount making your cash amount {$920.00} less than what it should have been. That is why {$920.00} was refunded. The loan amount was never changed in order to include. The {$920.00}, so that why the loan amount will not be changed. 
Everything is finalized and was done correctly ... .ERRONEOUSLY!!! 
He never did give me his bosses name email or number..dosent erroneously mean incorrectly
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

In XXXXXXXX XXXX  2021, PayPal suspended my account and placed limitations on it. They asked for additional information about my bank accounts to ensure I was who I said I was. After receiving the requested information PayPal permanently banned my account. They have given me no information about the reasons behind the original limitation or the permanent ban of my account. I've had the account for over XXXX  years.
Consumer complaint received 2016-06-02
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (NJ)

On or about XXXX XXXX, 2016, I initiated contact with Quicken Loans because it was listed as at the XXXX XXXX XXXX XXXX XXXX website the country 's second biggest VA Guaranteed Loan supplier. On XXXX XXXX, 2016 the real estate agent supplied Quicken Loans via email a copy of the purchase contract I signed with a seller of a property I was interested in. On XXXX XXXX, 2016, Quicken Loans sent to its MyQL to do list a VA Loan Disclosures and Certifications document that included a paragraph numbered XXXX that states that : DO NOT BE MISLED! VA DOES NOT GUARANTEE THE CONDITION OF THE HOUSE WHICH YOU ARE BUYING, WHETHER IT IS NEW OR PREVIOUSLY OCCUPIED. VA GUARANTEES ONLY THE LOAN. YOU MAY TALK TO MANY PEOPLE WHEN YOU ARE IN THE PROCESS OF BUYING A HOUSE. PARTICULARLY WITH A PREVIOUSLY OCCUPIED HOUSE, YOU MAY PICK UP THE IMPRESSION ALONG THE WAY THAT YOU NEED NOT BE OVERLY CONCERNED ABOUT ANY NEEDED REPAIRS OR HIDDEN DEFECTS SINCE VA WILL SURE FIND THEM AND REQUIRE THEM TO BE REPAIRED. THIS IS NOT TRUE. IN EVERY CASE, ULTIMATELY, IT IS YOUR RESPONSIBILITY TO BE AN INFORMED BUYER AND TO ASSURE YOURSELF THAT WHAT YOU ARE BUYING IS SATISFACTORY TO YOU IN ALL RESPECTS. REMEMBER, VA GUARANTEES ONLY THE LOAN - NOT THE CONDITION. 
This clause that Quicken Loans demands that I stipulate directly contradicts the Minimum Property Requirements ( MPRs ) of Chapter XXXX of the VA Lenders Handbook- VA XXXX XXXX. Chapter XXXX outlines the MPRs that are required to be verified by the lender in order for the veteran to be able to buy a house without any needed or hidden repairs. Additionally, Chapter XXXX of the Lenders Handbook at XXXX clearly states that : An appraisal is required to help ensure that any property which will become the security for a VA-guaranteed loan has a value of at least as much as the loan amount, and is in a condition acceptable to VA. 

However, the relevant Quicken Loans clause states that it is not the VA that decides the acceptable condition that the property needs to be, but that it is the veteran that is responsible for the condition of the property. I attempted to confer with the Quicken Loans representatives purportedly helping me with closing the loan for a property located in XXXX NJ. However, these representatives persistently insisted that Quicken Loans does not request any inspections of the house to ascertain it meets the MPRs. These representatives insisted that only a VA Appraisal is needed and that the property does not need to be eligible to be Appraised as required by the Lenders Handbook at : XXXX Types of Property Eligible for Appraisal Lender Responsibility If the lender fails to exercise due diligence in determining appraisal eligibility, VA may deny or reduce payment on a future claim based on the ineligibility of the property. 
Properties not eligible for appraisal and other appraisal request restrictions are described in Sections XXXX and XXXX. 

Section XXXX of the Lenders Manual further states that the property must also meet the MPRs outlined in XXXX XXXX. 
.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Texas Guaranteed (CO)

My fiancee and I live in the XXXX, CO XXXX area. We have struggled to work through several layoffs and I have supported us both for the last 7 years combined. On top of this, the housing market here has exploded thanks to the legalization XXXX. Rent doubled almost overnight forcing us to give up our apartment and rent a small basement from a private home owner and put most of our things in an expensive storage unit. 
Several years ago, I entered into a rehabilitation program with Texas Guaranteed to make payments for 9 months at which time responsibility would return to XXXX. Texas Guaranteed would not work with me on the payment amount which led us to move to another suburb that had cheaper apartments so I could pay them and pay all of our bills. After barely meeting TG 's requirements for the 9 monthly payments, XXXX took over again. I made payments for about another year at which time my Fiancee went through her second layoff. I applied for a forbearance/financial hardship and was denied. This is only based on your GROSS income! I have been supporting XXXX people in an area with a skyrocketing cost of living increase and they denied me. I contacted XXXX to speak to a human instead of online applications and the only response I got was - apply online for financial hardship/forbearance. 
I could not afford to make payments so my loans moved to default and back to Texas Guaranteed. In addition to this the Department of Education ordered the XXXX Treasury to withhold my Federal Tax Returns. They have withheld thousands of my tax dollars over the last XXXX12 years. 
TG calls me constantly. This time they sent me a letter stating they had added fees to the total I owe for my student loans. When this began, I owed XXXX. Now, TG says I owe XXXX including their substantial fees. That adds up to an increase of 33 % above the total I borrowed!. I also have collection companies trying to cash in on this as well. They are trying to collect on specific loans even though TG is already supposed to be the " XXXX '' of my loans partnered with XXXX. 
After receiving this letter, I have received a new XXXX stating they are going to have my wages garnished. I can not afford this!!! I am still supporting myself and my Fiancee while she searches for work. 
While going over this new letter threatening me with garnishment, it occurred to me that there is some fraud going on here. Texas Guaranteed and XXXX as well as the collection companies are still charging me for my full, original loan amount plus 33 % in fees and interest. 
This begs me to question ... ... ... ... ... .. 
First of all, what happened to all the monthly payments I made to both organizations? 
Second, what happened to the thousands of dollars the US Dept. of Ed and the US Treasury withheld to go toward my loans? 
Third, how can it be legal and ethical for these guarantors to charge fees that make it impossible to ever pay these loans off?
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MN)

We purchased our home from XXXX Mortgage Company around 1996. We have lived here ever since. My husband is retired on XXXX social security, and I am on social security too. We are XXXX in our XXXX. Our major source of income was lost almost three years ago. We have struggled to meet our financial obligations since then. We modified our loan with XXXX two to three years ago and after that, they sold us to Green Tree LLC. I started a low paying XXXX {$9.00} per hour XXXX XXXX job to try to stay afloat. With my husbands medical needs, car payment, and a second mortgage payment ( which we re-negotiated to a low monthly amount ), and living expenses, we kept falling behind. Green Tree LLC initially sounded sympathetic and sent us credit counseling and modification information-which we had already completed, but slowly began to contact us by phone over and over, demanding payment and asking if we had jewelry to sell, and asking why we were so " lazy '' not to get a better paying job, along with threats of foreclosure and sheriffs sale. These calls would start early in the morning and last until XXXX in the evening. When I told Green Tree LLC that we had listed our home for sale, and would pay them off when it sold, their response was insistent that we give the name of our Realtor so they could discuss a short sale with our Realtor, of which I refused to give the information. Our home is located on almost XXXX acres in the country, on a small lake. We have a pole barn and shop building, and a nice home/four bedrooms/two baths. As you can see by Exhibit # 1 XXXX Statement of XXXX XXXX XXXX our home has enough value to sell and make nice profit. As I understand it, the tax value placed on a home from XXXX XXXX is typically lower than what the home would sell for on the market. Unfortunately, the offers we got were not what we needed to pay off the existing debt. At this point, Green Tree LLC demanded we take whatever offer we could get, as they knew they would be repaid first. The staff I spoke with kept harassing me about being a dead-beat. I have never in all my life been a dead-beat. The intense mental pressure eventually led me to sell the home for a much lower price than we could have gotten, just to stop the calls and pressure. See Exhibit # 2 ( Purchase Price information ) When our buyer called Green Tree LLC to get the current payoff, the employee we spoke with was unable to tell us the balance due! Then, the employee spoke with our buyer about assuming our mortgage and assured him that he could do so through Green Tree LLC. Our buyer remarked that with his knowledge of Green Tree LLC, he would have no desire to be involved with this Company. He immediately sent the full payment overnight to Green Tree LLC, requesting a confirmation of payment, of which he never received.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

We are writing to file a complaint against Wells Fargo Home Mortgage company regarding the loss of XXXX short sale offers on our home and for forcing us in to taking house off the market. 
On XXXX XXXX, XXXX our real estate agent along with our attorney filed an offer with Wells Fargo on our property XXXX XXXX XXXX XXXX. XXXX, CT XXXX. 
After going through the required procedures on XXXX XXXX Wells Fargo notified our Attorney stating that the given offer did not meet there minimum requirements of {$240000.00} ( please see attached letter stating such. ) the offer submitted was for {$270000.00} ( see attached offer ) after all the fee 's, the offer exceeded their expectations by {$510.00}. Our Attorney at least once a week contacted Wells Fargo to get some clarification on this with no success, nobody could give us an answer. 
On XXXX XXXX ( 2 months later ) our attorney called yet again to try and get an answer, this is where we found out that ( Wells Fargo ) XXXX in the liquidations Dept. stated that as of XXXX XXXX the system showed that the file was removed from the short sale review and no reason was listed, our attorney than left messages with a XXXX XXXX ( preservation specialist assigned to our case ) and XXXX XXXX ( XXXX 's supervisor ) and received no response. On XXXX XXXX they were able to speak to a XXXX who stated that our account became active in the short sale review on XXXX/XXXX/XXXX and gave our attorney a list of requested documents needed. 
Wells Fargo CLOSED the original short sale request after 6 months with NO notification and NO reason and then REOPENED it! at which point we were required to start all over from the beginning!! Needless to say the potential buyers backed out because of the banks negligence. We are truly disgusted and appalled that a business can be run this way. 
On XXXX XXXX, another offer ( see attached ) had been submitted for a little bit more money than the first offer, which means the requirements are again EXCEEDING the banks exceptions by even more. On XXXX XXXX, XXXX we received notification from Wells Fargo that they have accepted the current offer but changes the closing cost credit from {$6000.00} to {$2700.00}, needless to say the couple that put the offer in did n't like that and they backed out. 
At this point we filed for a Deed in Lieu of Foreclosure as Wells Fargo denied us because they stated the house was not maintained. We moved south in XXXX XXXX, we had people maintaining the house. XXXX XXXX we had someone go to property to winterize the home, this is when we found out that someone had seized the home and changed the locks. We along with Congressman XXXX office in Connecticut contacted Wells Fargo right away, Wells Fargo is stating they did not seize our house, we know that Wells Fargo hires 3 party companies to this for them so not only where we not able to maintain the house we had to take it off the market because our real estate agent could access the house for showings. As of today still no keys.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (OK)

To Whom it May Concern, I would like to file a complaint, because I noticed a discrepancy in my credit report. I noticed that there 's a credit card on there with a balance of {$840.00} with FNB of XXXX. Please help me resolve this problem as soon as possible. 
Thank You!
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting with this notice that the following account be DELETED from my credit report. XXXX CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (TX)

On XX/XX/2016, I received a letter from Westlake Financial through CFPB stating that they would remove the double negative from my trade line. Per the letter, it stated that it will take up to 30 to 60 days to remove the double negative.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX. 
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low. 
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default. 
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit. 
Lastly, we were threatened with foreclosure if we did not accept the modification. 
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan. 
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means. 
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX. 
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender. 
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan. 
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed. 
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home. 
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC Bank USA sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( XXXX XXXX XXXX ).
Consumer complaint received 2015-06-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (GA)

I started financing a car through drivetime in XXXX of 2013 and they are not reporting my payments to the credit beruae. my mom cosigned for me but the company flipped it and now she looks like the buyer and i look like the cosigner. in a result of this they are not reporting my payments.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. 
XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015.