davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has repeatedly stated that they never owned the mortgage or the note and only serviced the loan. Wells Fargo has stated they do not know who owned the loan during the time they serviced the loan. This is information required by law to be shared with the homeowner.Federal legislation passed in 2009 ( Section 404 of the Truth in Lending Act ) requires that anyone who acquires ownership of a mortgage loan must provide the borrower with a notice that the acquirer is the new owner ( and if they use a servicing agent to collect payments, the name of the servicer ). Section 1463 of the Dodd-Frank legislation enacted in 2010 also requires servicers to disclose the owner of the loan within ten days upon written request from the borrower. As the homeowners we have the right to know who the owner of the loan was at the time of servicing by Wells Fargo Home Mortgage. We have the right to know where the payments were being applied. Wells Fargo has stated the loan was transferred to XXXX XXXX XXXX XXXX XXXX in XXXX. Only the OWNER of the loan can legally transfer or sell the loan to another party. Who gave Wells Fargo Home Mortgage the authority to transfer or sell the loan to another party? Wells Fargo claims to not know who the owner of the loan was at the time they serviced the loan. That would mean the payments were either not properly applied to the balance or Wells Fargo was servicing a loan that never existed in the first place. A class action settlement against Wells Fargo states that the loan was paid in full. A letter from XXXX states they purchased the loan from Wells Fargo. Wells Fargo claims they did not sell the loan, yet all information says otherwise. The loan was paid in full. ISSUE a satisfaction of mortgage.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I contacted I C System on XX/XX/2020 to request a debt verification letter and was informed they could not give me one because the said account with a balance of {$3700.00} was in a " Recall Status '' as the original creditor, XXXX XXXX XXXX ( XXXX ) has recalled the account. So I asked why it was on my credit report as being owned by I C Systems and reported to XXXX XXXX on XX/XX/XXXX, if I C systems can not even take a payment from me? I was told to contact XXXX. 

I contacted XXXX immediately on XX/XX/2020 as well to request a debt verification letter and I was told I could not get one unless they receive an attorney letter on my behalf because their system has changed. So I asked how I could confirm and make payments towards the account and I was told that I could only get verbal confirmation now and even after the account has been paid in full I can only get verbal confirmation and nothing in writing, but the can take payments and send me email receipts of payments made but nothing written on outstanding and remaining balance even after payment has been made. Getting an attorney is an added burden and I am trying to resolve outstanding old debts not get into new ones.

This does not make sense. First of all, how can I make payment without getting a debt verification letter which I believe I am entitled to get. How can I pay the account in full without getting a letter that states the account will be reported as paid in full if the outstanding balance. Also, how can I pay the account in full and not be able to get a letter of confirmation that the account has been paid in full. Finally, how can I C System be reporting a debt that they can not legally take payments for. 

Doesn't a customer have the right to receive a debt verification letter before making payments without hiring an attorney? Doesn't a customer have a right to know who has the legal right to collect a debt and doesn't a customer have the right to a written agreement that a debt will be reported has paid in full after all payments have been made? 

The conversations with both companies were recorded by both parties and both parties were informed that the conversations were being recorded. 

Thank you.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NC)

I sent a letter to LexisNexis on XX/XX/2019, to place a security freeze on my LexisNexis consumer report but they replied : Unfortunately, we were unable to process your request, as we were unable to authenticate you with the information provided. 
The letter I sent this company had a copy of my current updated Identification card and Social Security card along with other personal information.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

On XX/XX/2018 I XXXX XXXX XXXX XXXX XXXX XXXX playing baseball. I went to XXXX hospital XXXX XXXX. So I went and this was this first time I used my medical insurance and XXXX XXXX XXXXXXXX. So after healing they did not send me any medical bills. The hospital had my number and my work number. I thought my insurance covered everything and I didnt find out until I checked my credit report and that they sent me to collections. That was after 9 months. I dont think its fair because if I knew I had a bill I would of been paying it. I owe XXXX. I called them and tried to tell them if I can dispute it but they said no. They also said they need there money. I told them the same story of what I am telling you and they said they dont care. 

Heres the accounts Progressive management systems ( XXXX XXXX XXXX Accounts XXXX XXXX
Consumer complaint received 2020-01-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (AR)

This account is in my mother name. I have paid for everthing that has to do with the camper that I live in. I noticed that a payment was not paid. i sent payment on XX/XX/2019 and Ally return the payment back to my bank on XX/XX/2019. On XX/XX/2019 I call to see why they said that i owe {$1700.00}. that by my records I was only missed XXXX payment. they have it in repossession. I told them they refused a payment that means the account is paid in full.the call was recorded on my end
Consumer complaint received 2020-01-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

Freedom mortgage has violated RESPA, due to The fact that they were still working on a Modification on my VA loan. Apparently on XXXX the XXXX at XXXX XXXX. I have complied with all request of all documents necessary to continue the modification if anything they lose paperwork paperwork doesn't get Uploaded nothing can be done by anyone you don't know who to speak to ever there's no communication as to what's going on on the loan it's always it's there being worked on what's being worked on is my question definitive answers I never get is like I'm just sit there waiting to be thrown out of my home because of their lack of communication and because of the incompetence of getting documents to the underwriter who nobody can never speak toTheir attorney place my home are in option on XX/XX/XXXX at XXXX XXXX. This is in violation Restaurant because a service or can not place my home in a pro closer status when there is still no commitment no resolution on the modification I was told to send paperwork on the XXXX and it was due in XXXX and I did I have confirmation that both those were received at freedom mortgage corporation at their loss mitigation department. 
And today I received a letter and I will attach it that they placed this in a pro closure position on to proceed with the upper closure on my property on XX/XX/XXXX. 

Freedom mortgage has never been transparent with me has never given me reasons why I was declined they will not re view any types of alternatives or have they offered me a trial payment. On my mortgage. 

From the inception of this which was in XXXX of XXXX they have been telling me that it is being modified which was not true they were not doing anything other than let me get more and more behind on this mortgage I offered them payments in XXXX of XXXX they told me not to worry that it would be placed at the end of the loan that was not true. 

I believe that freedom mortgage has been just letting my long go until I got into a position Of bean for close just like all the other people that were hurt by XXXX  XXXX XXXX and all these people lost their homes because nobody was working on a modification there was just let him slide there is no communication with freedom mortgage nobody ever knows what's going on all they ever tell you is not to worry will now I worry because now I'm getting paperwork I don't have any place to go they have not completed my modification so now what I am serious this company needs to be investigated on this Matter.
Consumer complaint received 2020-01-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

On XXXX XX/XX/2019 I purchased two tickets from XXXX  against {$200.00} offered on the statemen on credit card # XXXX. Also, purchased the insurance coverage from XXXX XXXX in the amount of {$100.00}. XXXX They debited all the charges from my previous credit card # XXXX When I received the statement of the new cc applied XXXX from XXXX no credit of {$200.00} was applied. Enclosed the similar promotion was offered. I Contacted them, spoke to several employees, in some cases they hanged my call and have no intention to resolve my problem. Finally, one employee told me to dispute the {$200.00} later they sent me the denial letter by mail of the {$200.00}. At the same time, I placed a claim for the lost of my old gold weeding rings in the amount {$850.00} at the XXXX airport. 
After more than 3 months, XXXX is telling me still in process the claim. I provided all the pertaining documents, 8 pages and still waiting from XXXX.
Consumer complaint received 2020-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

The student loan servicer, Navient did not inform me of the proper steps and necessary processes to set up PSLF correctly. In particular, they pushed me to take forbearance rather than use income-driven repayment ( like REPAYE ) and likely have a payment of {$0.00} -- that's XXXX DOLLARS! -- per month based on my income and *still* have that count as a qualifying PSLF payment. They did not explain this adequately and clearly with respect to the fact that this payment plan could've lowered my monthly payment to {$0.00} for several years based on my household income. 

Due to the lack of explanation by Navient, who has a responsibility to properly educate their customers on their options and the consequences thereof, my husband and I will likely have to keep paying on my loans when they should be forgiven in accordance with the 10-year timeframe of PSLF. I believe most of my loan sequences ought to be forgiven by this year. Due to Navient 's error, I will have to keep paying despite my years of exemplary service to the public as a XXXX XXXX. 

Moreover, I have been trying for a long time now to see the notes from my own record with Navient. This request has been repeatedly refused by Navient. I should be able to access my own record to review my interactions with this company. 

In addition, due to the fact that they did not mention the need for consolidation of some of my loans for PSLF, I did not start the PSLF process for some loans until later than I would have if I had proper and complete information. 

Finally, with respect to Navient steering me toward forbearance, while it may be easier for the company in terms of paperwork, it capitalizes interest and INCREASES my total debt. As a result of Navient 's predatory practices, I have been harmed.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX. I AM A MORTGAGOR OF A LOAN THAT SELECT PORFOLIO SERVICING IS THE SERVICER FOR THE INVESTOR OF MY LOAN. THE LOAN IS CURRENTLY BEING SERVICED BY SELECT PORTFOLIO SERVICING ( SPS ) PROPERTY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, GA XXXX. LOAN NO : XXXX. 

I HAVE BEEN ATTEMPTING TO DO A SHORT SALE WITH THE SERVICER SPS. 
SPS IS TELLING ME THE INVESTOR ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX ) DOES NOT WANT ME TO DO A SHORT SALE. I SHOULD BE ELIGIBLE TO DO A SHORT SALE. I AM REQUESTING THAT THE INVESTOR CONSIDER DOING A SHORT SALE ON THIS LOAN/PROPERTY. THE PROPERTY IS NOT WORTH WHAT IS OWED ON THE LOAN. WE HAVE AN OFFER FOR $ XXXX WHICH IS WHAT THE PROPERTY IS WORTH ACCORDING TO COMPARABLE SALES AND THE CONDITION OF THE PROPERTY. ATTACHED IS A COPY OF THE CURRENT OFFER ON THE PROPERTY AND A HUD-1 SETTLEMENT STATEMENT SHOWING THE NET AMOUNT TO THE INVESTOR/SERVICER. PLEASE CONSIDER DOING A SHORT SALE.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

In response to past claim XXXX that was closed prematurely. Your bank is XXXX  up, this is not the issue we are discussing with the CFPB. We are talking about you allowing someone to open two new accounts with my corporate identity. They used corporate names and transferred corporate funds. Now, because of the actions you did with the aforementioned account closing, we can not control any of the corporations checking actively until present. I assume this makes Mr. XXXX responsible for ALL tax records, pay rolls, and corporate responsibilities, which again he signed off on. Your actions have hindered the corporations ability to operate properly. We will take that up with the proper parties at a later date. 
Finally, once again I want to say how XXXX up your bank is. You can't address the actual ILLEGAL actions that your bank performed and just try to sweep it under the rug with that cover-up letter from the last CFPB complaint ( XXXX ). I will not allow these actions to go unnoticed by the public and others. 

XXXX XXXX
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS US BKPT CT IL CHGO XXXX not mine
Consumer complaint received 2020-01-20
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2020-01-08
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. (TX)

On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with Experian to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  All the following information appearing on my credit report is fraudulent and I have never authorized any of these.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (PA)

This is not a duplicate complaint, but is an additional complaint to XXXX with additional documents that are material to my dispute with American Express for continuing to report inaccurate information on me to the 3 major credit bureaus. 

On XX/XX/XXXX, American Express responded to me in a letter in reference to CFPB Ref No XXXX. 

In their reply, American Express stated that they were " obligated to report factual information to the credit reporting agencies. '' The letter to me ( attached ) noted that the company, American Express, received a payment of {$530.00} on XX/XX/XXXX and that my account status was " updated on XX/XX/XXXX. This payment reflected our agreed upon settlement. ( see attached ). 

It has been 5 moments, since this payment was submitted, processed and cleared. And over 4 months since I received their notice that the credit reporting agencies have been notified. After several disputes initiated by me to ask for incorrect reporting re this matter to be updated, based on our agreement and their letter, American Express has either incorrectly reported a balance of {$810.00} to all 3 major credit bureaus, even though their reply to CFPB states " your account statuses were updated ... '' and " settled the account/s as agreed upon.. '' The letter was signed by " XXXX XXXX '' , Customer Advocate Services Team '' on XX/XX/XXXX. 

In XXXX, American Express reported a net income of approximately $ XXXX. I can not understand why they would violate an agreement we had, accept my payment of {$530.00} as settlement and still report that I owe them a balance. By their own admission they have reported inaccurate information in spite of telling CFPB the contrary.
Consumer complaint received 2020-01-20
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. (FL)

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Consumer complaint received 2020-01-20
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Consumer complaint received 2020-01-08
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: EQUIFAX, INC. (PA)

Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by XXXX XXXX using Equifax and XXXX XXXX credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with Equifax and XXXX XXXX. Both claim I need to notify XXXX XXXX. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX  credit report but not the others. 

I have contacted both Equifax and XXXX XXXX MULTIPLE times and have been unable to resolve the issue.