davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, I purchased this home after a divorce and worked 3 jobs to purchase my home as a single parent. In XX/XX/XXXX I lost my employment of 20 years with XXXX XXXX XXXX and was unable to make my mortgage payments. I contacted my lender, Wells Fargo Bank, and they granted me a Loan Modification with adjusting rates and payment as follows with a term of 40 years. Please note, my property taxes and home owners insurance are impounded in these payments approximately {$380.00} as follows : XX/XX/XXXX-XX/XX/XXXX - 2 % interest - Payment {$1200.00} XX/XX/XXXX-XX/XX/XXXX - 3 % interest - Payment {$1300.00} XX/XX/XXXX-XX/XX/XXXX - 4 % interest - Payment {$1500.00} XXXX - 4.6 % interest - Payment {$1900.00} ( increase includes HERO PROGRAM increasing property taxes by {$3000.00} annually instead of {$1500.00} annually ) XX/XX/XXXX-XX/XX/XXXX- 5 % interest - Payment TBD In XX/XX/XXXX, I was forced retired and was not able to gain full-time employment ; consequently ; I am was only able to get a part-time seasonal job earning approximately $ 1000 monthly during the months of XXXX through XXXX plus my social security benefit of {$1500.00}. I do not work during the summer months, therefore, my monthly mortgage payments are unaffordable during these summer months. <P/>Here is how this process works to apply for the MAP. You must submit over 100 pages of documents such as 2 prior years of federal and state taxes, 2 months of pay stubs, recent bank statements, letter of hardship, etc. However, only the " Income and Expense '' page is reviewed by the underwriter. If you have equity built in your home, then you are automatically denied assistance. Wells Fargo makes you believe they are going to assist you throughout the process but know you will be denied assistance regarding of your financial hardship, which Wells Fargo refuses to admit you have a financial hardship. <P/>PLEASE READ XXXX AND XXXX XXXX XXXX AND YOU WILL SEE HUNDREDS OF WELLS FARGO CUSTOMERS GOING THROUGH THIS SAME PROCESS AS I HAVE FOR 3 YEARS BEING PROMISED ASSISTANCE WITH THE MORTGAGE ASSISTANCE PROGRAM INSTEAD, CUSTOMERS ARE ALWAYS LOSING THEIR HOME TO FORECLOSURE. <P/>I am requesting that you please have my lender, Wells Fargo Bank, lower my house payment and not make me move or lose my home to foreclosure because this month, XX/XX/XXXX, I am unable to pay my mortgage payment. I beg that you please have these lenders help keep their customers in their homes especially after retirement.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my Travel Rewards c ard 2 months after I opened it without any reason and without any notice. I had  XXXX  points on this card that I earned from bank bonus and from my spending. They confiscated all my points and refused to compensate me for their val ue ( {$350.00} ). I c onsider this a robbery and would like to get my points in form of check.
Consumer complaint received 2017-06-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Finance LLC (MD)

I purchased a  XXXX   XXXX  and the loan company is American Finance LLC. I never received court papers to appear to court, nor have I never seen a bill of sales of the  XXXX  after they repossessed it and sold it.  XXXX   XXXX ,  XXXX  was the first check the garnishment started. On the  XXXX   XXXX ,  XXXX  check the last {$43.00} on the total due on the judgemen t ( {$6700.00} ) according to the court papers my employer gave me when they started the garnishment. Three checks later the garnishment started up again. I called American Finance LLC and the account manager told me I owed {$3000.00} for the post interest. On the court papers it included the post interest of {$940.00}. I had her send me my account ledger and on it my paid interest is {$6800.00}. Two months shy of 2 y ears that I have been paying on this garnishment they keep every cent on interest. The pre and post interest on the court papers add up to {$2000.00} which was add to the {$6700.00} on the total due on judgment stated in the court papers. They continue to garnish my checks so the amount keeps climbing.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I purchased  a PayPay de bit card at  XXXX  in  XXXX   XXXX , CA for {$3.00}. The monthly fee for the card was not disclosed on the packaging, and is obfuscated on the PayPal website.     The monthly fee f or a PayPal Prepaid car d is {$4.00}, and that monthly fee can not be avoided. There is no mention of the monthly fee anywhere on the  OEM pac kaging. The only way to get money off of the card is to activate the card. With  in 36 hours of activating the card, a monthly fee of {$4.00} is deducted from the price of the card. Given I paid {$3.00} for the card, the undisclosed monthly fee makes the effective purchase price of the card {$8.00}.
In the PayPal website deceptively obfuscates the monthly fee. While the fee is listed plainly as a transaction called " Debit : Plan F   ee MM/DD/YYYY '' ( e.g. " Debit : Plan Fee   XXXX / XXXX /   2017  ' ' ), t hat transaction does not show up when the user wishes to display only fees.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

N  avient has not placed my loan on Forebarence as part of the Defense to Reoayment program. Navient has b een sent the documentation twice by the Department of Education since   XXXX   XXXX    . Navient is unwilling to discuss issue as their employees are not educated in handling the  Defense to Reoayment claims, often asking multiple times if I 'm asking for a forevarence request as if   pushing me to take a forebarence.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute in reference to Claim number #  XXXX , which is a tax lien from  XXXX   XXXX   XXXX   XXXX , in  XXXX    XXXX   with TransUnion  credit agency.  In  XXXX  of   XXXX   they completed there investigation and now they are showing that the lien has been paid ; however, they are claiming that the lien is still being reported by  XXXX   XXXX   XXXX   XXXX . I received a letter from the Georgia Departm ent of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency.   I have requested of Transunion to Please validate this information with  XXXX   XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I noticed a purchase made on my XXXX XXXX XXXX XXXX credit card due to receiving an email stating my order had been shipped. I logged into my XXXX 's account and found a charge for {$260.00} for a XXXX XXXX XXXX XXXX XXXX. The order was placed on XX/XX/ and shipped to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, phone number XXXX. I contacted XXXX 's and spoke with 4 different representatives who kept transferring me around the Fraud department. I was eventually placed on hold and waited 17 minutes and no one returned on the line before I disconnected. I called back and was directed to the Fraud department again. They explained that they would cancel the shipment and that I would not be refunded until they had the item back in hand. I explained that this was not fair, I did not place the order, and felt as if I was being punished due to a fraudulent charge placed on my account. I asked to speak with a supervisor and was placed on hold again, I waited 10 minutes and eventually disconnected, again. I called back, and spoke with a representative in the Fraud department who closed my account and explained I would need to fill out paperwork that was going to be mailed to me. The due date for my minimum payment is due XX/XX/ and I do not feel that I should be responsible for paying on this fraudulent charge. XXXX XXXX has been nearly impossible to work with, I have spent countless hours on the phone/hold with their departments to have nothing resolved. The shipment to XXXX XXXX was never stopped and did get delivered to him on XX/XX/.
Consumer complaint received 2017-04-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

I have gotten divorced and my husband and I contacted the VA in options for what to do so that he could be the only one on the mortgage. The VA advised us to complete a "  Release of Liability '' once the divorce was finalized and I had completed and had a quit claim deed filed. I completed all that, and the  VA advised me that by law, the mortgage company had to remove me from the mortgage due to federal regulations and the fact that they were bound by the laws of the VA. The VA approved my release of liability. I provided all this to Everbank in which they just kept telling me I had to refinance and they refused to use my name.  XXXX  and  XXXX  in  Client Services proceeded to b elittle me and explain what a mortgage was and that I did n't know what I was talking about. They refused to check the VA handbook and just told me that my request was denied. I went back to the VA who provided again proof that they had to remove me, and they are still refusing even though I showed that them that they were required to by law or could face repercussions. They still refuse to remove me, even though the law and regulations say that they have to. Everbank has all the required documentation, including the VA approval letter,  the Quit Claim deed, my  Dissolution of Divorce etc. I am being harrassed to re finance because they want to meet some sales goal or make more money.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

After being notified that I " may have been effected by the data breach '', I mailed a dispute letter to Equifax for proof of the inquiries that are listed on my credit report. Equifax responded by telling me that inquiries are to stay on my report for 2 years. 

This is unfair and incorrect!
Consumer complaint received 2018-03-08
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. (TX)

Equifax has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from Equifax. Equifax always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested Equifax to update their file over 5 times.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Both my twin sister, father and I applied for membership for USAA based on my father 's XXXX XXXX, eligibility that my XXXX is a military vet with an honorable discharge. My account and identity was verified and i was able to establish a member number but Im not able to do anything else and I have sent in my father 's XXXX as requested.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (OR)

In XXXX my husband and I moved to another country to do volunteer work. Before leaving we paid off XXXX for our cell phone bill, had our devices unlocked for use in the other country, and closed our account. 

During our time away we had no problems and since returning to the States in  XXXX we chose to use a different cellular phone provider which cost less money. We had never received a notice or phone call claiming any debt owed with XXXX or anyone claiming to represent XXXX ( as a debt collector ) related to a debt. We also have had no adverse action on our credit report from XXXX or any other agency claiming a debt owed to XXXX. 

In XXXX XXXX we suddenly had a claim of debt from a company called EOS/CCA who represent XXXX in debt collection. They did not contact us via mail or phone to inform us of this supposed debt, but instead just started reporting and thus adversely affecting my husband 's credit scores. 

I contacted EOS/CCA directly about this fraudulent reporting on my husband 's credit report. They tried to fool me into believing we had the burden of providing proof the debt did not belong to us. Knowing my rights I flatly denied the made up charge from XXXX and demanded proof from them. I have also lodged a complaint with the BBB against EOS CCA and XXXX. I further lodged a complaint with the FCC against XXXX who has continued to remain silent on the matter. 

EOS/CCA claims to have documentation ( not provided to us ) that we owe XXXX money for a period between XXXX XXXX and XXXX XXXX ; though as previously stated we closed our account in XXXX. Furthermore there is no action taken from XXXX or any other creditor on their behalf related to those dates or any earlier dates on our credit reports. 

So far, as I 've said, XXXX has remained silent. But on the EOS/CCA website they prominently display an award they received from XXXX for their " excellent recoveries of secondary tier placements and for ease of doing business '' due to their " positive return in all four markets ( West, Midwest, Northeast, and South ) for percentage of placements to percentage of collections. '' I have contacted a specific lawyer about the matter who has made it their aim to bring EOS/CCA to justice and have in fact successfully brought many cases against this firm to a positive outcome. However, to me, it would seem this is something which should be brought to public awareness because it appears either XXXX and/or EOS/CCA is playing a numbers game ( percentage of placements to percentage of collections ) at the expense of  innocent consumers.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (FL)

I currently have   XXXX   inquires on my credit report that I have not given consent to.
1. On  XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  , Fl.   XXXX   2. On  XX/XX/XXXX and  XX/XX/XXXX  Creditor contact details  XXXX    XXXX   XXXX  , Ca.   XXXX   3. On XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , Ca  XXXX
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Systematic National Collection, Inc. (GA)

On Friday, XXXX XXXX 2017 I received a call as I was completing my work day and preparing to head home. The caller identified himself as XXXX from Systematic National. He stated the bill about which he was calling and, as I was not willing  in that moment to divert my attention to the call, I asked him to call me back another day. 

From that point on, XXXX proceeded to badger me about how often they had called before and got no answer, and how difficult it had been to reach me. When I attempted again to ask him to call me on another day, he interrupted me -- in an exceptionally belligerent tone, I might add -- saying, " I do n't think you really want to pay this bill. '' Perceiving his confrontational attitude, I began to state my intent not to argue with him, but XXXX interrupted me again : " I do n't think you really want to pay this bill. If you do n't want to pay the bill, XXXX XXXX, just say so, '' he huffed. Then he hung up. For clarity, I will repeat. XXXX CALLED ME, berated me in his stated belief that I did n't actually want to pay the bill about which he was calling, and then HE hung up on ME. 

So what was the point? And further, I do n't care how much money I owe whoever, rudeness and disrespect are never in order. I afforded XXXX the same respect and professionalism I expect for myself. If this company and this representative are unwilling to do likewise, I am formally requesting they not contact me again EVER.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My credit score dropped from XXXX to XXXX in 1 day with no changes to my credit report. When I called equifax to find out they told me due to factors is why this change could happen. But, no negative changes occurred. It doesnt make sense for my score to drop XXXX points. This is insane.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Wallace Management Company, LLC (OK)

The companies are Empire Finance and XXXX XXXX XXXX XXXX XXXX I have been paid out on my loan since XXXX 2016 and it is showing on my credit report account is still open with a XXXX balance.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Creditor : XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX   XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

To Who m It May Concern, Re :  loan number  XXXX  wit h Wells Fargo, I have sent a certified letter to Wells Fargo  on  XXXX   XXXX  and they have received it a   XXXX   after. In my letter I advised them that I have, at least   XXXX   times, calle d (   XXXX  ) and e-mailed to the commercial servicing as advised in the notices about the insurance matter since  XXXX . One time on  X/X/XXXX  I spoke to a man which I forgot to ask for his name who said everything looked fine, the other time I spoke to a lady name  XXXX . And my insurance agent  XXXX  called and spoke to a man name  XXXX  because I kept  receiving notices stating I owed mone y to Wells Fargo du e to the fact I do n't have insurance ther efore Wells Fargo force d to purchase one for me. This issue seemed to be a problem every year when I renew my insurance for this loan number on property located at  XXXX   XXXX  &amp;  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Ca.  XXXX . I have renewed insurance on this property in  XXXX   XXXX  under policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX  and policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX . These policies will be expired in  XXXX   XXXX . My insurance agency is :  XXXX   XXXX   XXXX   XXXX   XXXX , phone number  XXXX  has provide d Wells Fargo wit h both policies on  X/XX/XXXX . Regardless, I kept receiving letters showing current insurance due of { XXXX } is due  XXXX   XXXX . My question is, why would they have to buy insurance for me while I already bought mine and my insurance, just like in the last  XXXX  years, provided to them? why did n't they get back with me or my insurance agent as they said after many of my phone calls, my insurance agent phone calls and emails? and kept sending notices stating they will have to buy insurance for me? when I sent them the last letter I also attached with it copies of my policies, and asked them to get back with me. They never did. Instead send me a new bill for the insurance. I 'm very frustrated w ith Wells Fargo. This lend er is really a worse lender and unethical conduct, unscrupulous and no professionalism.   Please give me your hand, please help me.   Thank you very much.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca.  XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (CA)

RE : CFPB Complaint # XXXX Thank you for the update on my complaint filed on XX/XX/17 regarding my situation with PHH Mortgage. Interestingly, I just received another advertisement in the mail from PHH ( see attached copy ) regarding the exact thing they offered me before and later denied. They bait people in saying, because of our excellent standing and estimated home value we may be able to receive cash out funds. I understands it says may, but then when you speak to one of PHHs ( I assume ) commission driven representatives, they further encourage you with statements about how we are in a great position to proceed. Then they basically steal over {$700.00} from you in a blink of an eye. Depending on the response I receive from PHH, which should not even take this long to resolve, I will decide if I will proceed with other avenues available to me. In the meantime, however, I will await a response from you. 

Best regards, XXXX XXXX