davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

We refinanced our home and closed on the financing XXXX XXXX2015. Our attorney has her bank statement showing the wire was sent and posted on same date.We have numerous letters in our possession. Wells Fargo collected two months of XXXX Mortgage Insurance ( total of {$530.00} ), XXXX for XXXX and the other half for XXXX. Letter from WF dated XXXX XXXX. 2015 states that only XXXX check for Mortgage insurance was forwarded and the other not paid out. After not hearing from WF i sent a letter Dated XXXX. After XXXX telephone from WF employees,, i wound up with XXXX different stories and non made sense. They are refusing to issue os a check for {$260.00}. They said that that amount was included in our escrow check, but it wasn't.We are retired a couple living on a fixed income and the money means alot to us. No one should go through what we have gone through the stories told by the XXXX employees involved.Please help us. Thank you. we have full documentation on this matter. Please help us.Thank you
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suburban Credit Corporation (MD)

this company has continued to try to report this debt when I have sent them copies of the information that they have requested such as the police report and notarized copy of id theft affidavit. I have and will again send/attach with this complaint the police report and id theft affidavit - notarized. so that the cfpb can see for yourselves the information that has been sent and is being ignored.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

Credit agencies Experian, XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (CA)

I 've been trying to get a XXXX for about 2 years now and Nelnet continues to say they 've never received my doctor 's paperwork I 've send a few times and keeps delaying it. Today they gave me the phone number for XXXX and stated " XXXX does XXXX discharges rather than loan forgiveness so you should call them '' and when I did XXXX stated they handled XXXX discharges for the government and " oversee Nelnet so we can get it expedited ... just sign this agreement that I emailed you for a {$590.00} processing fee ''. I paid the fee and signed the paperwork but my husband overheard and got on the phone and we XXXX asked XXXX several times, with XXXX different representatives, if he fee was a consolidation fee and not a " XXXX discharge fee '' as they had also previously stated several times and when asked specifically if they were consolidating the loan from Nelnet, several times, they said emphatically each time, " No, we are not consolidating the loan ''. When my husband read the contract it mentioned nothing but consolidation so I called them to cancel and they said no problem. I also called the credit card company to cancel the charge, just in case. So, my complaint is that XXXX and Nelnet both were lying to me. Nelnet to get paid the {$25000.00} owed to them rather than process my 2 year running attempt to do so by referring me to XXXX for consolidation so they 'd get paid rather than forgiving the debt and XXXX for lying several times that they were not consolidating my loan and were merely processing a " XXXX discharge which is better than loan forgiveness because you do n't have to pay taxes on a discharge like you would with forgiveness. '' Thank you in advance for your help in this matter.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (SC)

After my credit information was compromised by the state of South Carolina we were offered free credit protection for one year. We opted for the protection so that no credit could be issued to me unless I was physically present. A few months later ( today, XXXX XXXX ) I visited my local verizon store to get a cell phone plan. XXXX needed to verify my credit in order to determine if a deposit was necessary. XXXX used equifax to verify my credit. 

At the XXXX store I called Equifax and requested that they allow a credit inquiry. I verified all of my personal information and they agreed to lift the freeze on my account and provided me a confirmation number for the action : 1. After the first call at XXXX the freeze was not lifted from my credit and my XXXX application would not go through. 
2. After the second call tHe equifax rep said that they would now lift the freeze. 
3. After the third call the equifax rep said their system was down and to call back in 30 minutes. We waited and called back. 
4. after the fourth call the equifax representative said that their system was rebooting and requested that we call back in one hour. We waited the time and then called back. 
5. After the fifth call they said the same thing. So we waited an hour and called back. 
6. After the sixth call they said that their systems were up and the credit freeze was lifted. It was not. 
7. After the seventh call ( now XXXX XXXX ) we were transferred to XXXX who works for equifax in XXXX in the XXXX. XXXX simply said that the credit was unfrozen and that XXXX could call some other number. XXXX called and also got no where with equifax. 

Equifax literally held my credit hostage. They cost me and my daughter an entire day 's work. My daughter 's time is worth $ XXXX and while I am retired my time should have a reasonably equivalent value.
Consumer complaint received 2016-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Attempted to get the debt verified from FCO. Sent several letters to FCO the collection agency requesting the proper documents. When FCO would only state that the debt was accurate. We went to a lawyer you gave us insight into the law regarding the collection in Maryland regarding apartments putting collections on people 's credit report. We then again sent letters to FCO with the new information gained from the lawyer and found that the collection agency was again still breaking the law and was in violation of the Fair Credit Act. We then sent letters to the Credit Agencies where they removed my husbands collection but not mine. What do I do now?
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO. (NJ)

My name is XXXX., and I sometimes get up to XXXX XXXX XXXX cellphone calls and ( XXXX ) voicemails ( XXXX contacts altogether ) each day, from XXXX. I do n't know these people, and I do n't owe these people. They call me all day long, even when I 'm in the middle of conducting lectures with my college student 's, and It 's driving me crazy! 

I told them earlier today that I would turn their information over to the FBI, and I am starting first with your agency. 

If you have any questions at all, please contact me on my cellphone at XXXX, or by email at XXXX, and I will assist you in any way possible. 

Ever grateful, XXXX
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd (PA)

This debt was entered on my credit report and it does n't disclose where it is from. It stated that it was last reported on XX/XX/XXXX, it did not show up until XX/XX/XXXX. It stated it was opened in XX/XX/XXXX and it has never shown up on my credit report until XX/XX/XXXX. Nothing was verified that I owed this debt. No mail has been sent to my residence and I do n't know where BOTH accounts are from that was opened in the same month with the same amount of time in delinquency.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Accounts were removed in XXXX XXXX and equifax began re-reporting accounts after removal. Accounts were removed in XXXX XXXX and reinserted in XXXX XXXX. 1. Accounts were paid before being sent to collections. 2. Accounts were removed 3. Accounts are past the statue of limitations on which it can be reported. Please remove accounts from my credit file ASAP. Accounts needing to be removed are commonwealth financial services {$730.00} {$76.00}
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (SC)

After failing to resolve the issue by an online dispute, I tried to call Equifax to correct inaccuracies in my credit report. The first XXXX CRs I spoke to could barely speak XXXX and kept repeating the same line " upon checking ... '' without addressing my questions. Between them, I was also put on hold for long long times. Finally, I got connected to a supervisor named XXXX XXXX. She, throughout the conversation, refused to answer my questions in a straightforward way. Worse, she refused to answer my questions by misinterpreting them. She spoke like a politician, using languages like " can not answer a hypothetical question '', etc. I was so fed up that I asked for her identification. She got upset and hang up the call without my consent.
Consumer complaint received 2016-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

Transworld Systems Inc has been contracted by XXXX to collect a debt. It was an issue with XXXX having XXXX separate accounts, of which we were unaware. It was corrected and resolved with XXXX, the service provider on XXXX/XXXX/2016 as confirmed verbally and on their website. 5 weeks later we get another letter from Tranworld demanding payment. Furthermore and THE ACTUAL COMPLAINT : on the bottom of the letter there is the disclaimer of their fair practices ; it gives the web address to file a complaint. However, that web address is a dead-end unless you have already received a letter from them with a special access code. So, they clearly are trying to run-around the fair practices law by making it nearly impossible to file a complaint.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with Experian, XXXX, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
Consumer complaint received 2016-07-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I got a tittle loan with 800 loan mart for {$2500.00} on a Volvo xc70. After making timely payments est of {$250.00} a month for 4 months, i inform loanmart that i would renounce my interests and give them the car, that was XX/XX/2012. Loanmart picked up the car and auctioned it off. They sent me a settlement offer of {$650.00} XX/XX/XXXX and i refused. they wrote the car off as a chargeoff. In subsequent years they would annually send me a settlement request, each time the amount would increase because of the outrageous interest fees, that apparently, still compounded. loanmart has been erroneously reporting my account to XXXX and XXXX. They now show my balance in the excess of {$7000.00}! 

They are using this exorbant fee to try and ruin my credit by showing that my credit utilization is way passed XXXX %. This is a form of extortion
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (WA)

On my Wells Fargo credit card I made a balance transfer of {$900.00} which carries no interest for 18 months. After that I made about another {$1000.00} of purchases, which are subjust to a regular purchase APR. I made some payments and got paid from a larger contract, so when I applied my payment in XXXX 2016 my balances were as follows : {$930.00} in purchases. {$780.00} in 0 interest promotional balance. 
I made 2 payments during my statement period, {$100.00} on XXXX/XXXX/16 and {$1200.00} on XXXX/XXXX/16. The last purchase I had in the period was on XX/XX/XXXX, so the purchase balance was established with no pending transactions. 
When I called Wells Fargo Customer Service to inquire about how my payment was applied I was informed directly that the computer " splits up the payments as it sees fit '' so that any money applied after the minimum payment due gets inexplicably divided between my balance subject to interest rates regardless of the CARD act. I contacted Wells Fargo 's customer service and was told nothing could be done, I was stuck with this incorrectly applied payment. Afterwards I contacted Wells Fargo 's customer care center and conveyed my concern that my payment was applied outside of compliance with the CARD Act, and was told that I was, in fact, correct and that they had made a mistake in how the payment was applied. My case has been escalated to be reviewed and to have my payment applied correctly. 
This is highly concerning to me, as Wells Fargo is probably making millions off of unsuspecting customers or those who do n't know any better. In reviewing my account further I found that every month Wells has applied my payments in this split manner, thus preserving an interest-bearing balance on my card despite receiving amounts that should have satisfied it -- therefore still charging me interest.
Consumer complaint received 2016-04-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC (PA)

My boyfriend and I applied for a mortgage pre-approval with XXXX from Finance of America Mortgage LLC on XXXX XXXX, 2016. After speaking with XXXX, he said we were good to go and we put an offer on the house ( XXXX XXXX XXXX ). They accepted our offer and we sent them a check for the deposit of {$1000.00}. On XX/XX/XXXX, I received an email saying we had to place a stop payment on the check, which I did. We had to resign our Agreement on XX/XX/XXXX and send out a different check. Once this was completed, we ordered our home inspection. Post inspection, the purchase price was dropped based on outcome and we went through the negotiations. We then received a settlement date of XXXX XXXX, 2016. Everything was going great and smooth. The appraisal was ordered and we were told we were good to go. On XXXX XXXX, 2016 we received a call from XXXX telling us that the loan was not going to go through due to XXXX 's employment history not being long enough. We had disclosed this information at the beginning of the pre approval process and had inquired if this was going to be an issue. It had been explained to us that this was not going to pose any problems later in the process. All of the information regarding issues with our loan was not brought to our attention until a week before our scheduled settlement date and after we had paid {$1200.00} for various fees involved ( ie. appraisal and inspection ). We feel that had it not been for a lack of proper communication on XXXX 's part that this financial loss could have been avoided all together. I have requested my appraisal fee back from Finance of America Mortgage. We were not properly notified that this mortgage was not going to be approved and feel as though all fees involved are due to be paid in full back to me.
Consumer complaint received 2016-04-08
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: FIRST HORIZON BANK (TN)

I applied for a Home Equity Loan through First Tennessee Bank ( XXXX, TN call center assisted ). I asked what is the Maximum amount I can be approved for ; They sent me the proper disclosures based on the estimated value of the house and told me after the appraisal comes back we could adjust loan amount. The appraisal of my home came in higher than we initially thought. XXXX XXXX assisted me through this process and as loan came through underwriting she called me back and said " XXXX XXXX, I know you asked previously what is the maximum loan you can receive. I wanted to call you today to let you know the underwriter is willing to give you a loan up to {$450000.00}. '' I said, " wow, I 'm flattered. Let me think about it and I 'll call you back next week. '' When I called back the next week to accept their offer ( I told them I would take a loan of {$410000.00} ) I learned that XXXX no longer worked at the bank. They passed me off to XXXX and at that time XXXX said my rate would go up .XXXX % if I took a loan of XXXX. I explained XXXX had verbally offered me up to $ XXXX last week and did n't disclose the terms of the loan would change. The bank would n't honor this after I spoke to XXXX XXXX and XXXX XXXX. They agreed to lower my origination fee from XXXX % to .XXXX % because they knew they made a mistake ; XXXX said, " It was XXXX last day at the bank, and she was n't on her " a '' game. '' I appreciate that everyone makes mistakes, however this was an offer from the bank, which I called back and accepted under the current terms ( 3.4 % APY for 15 years ) The bank will not honor the verbal agreement. I consulted an attorney and he said the bank extended me an offer, which I called back and accepted a week later that was n't honored ; He feels the bank is liable ; For your information- The call has been recored and is on file at the bank. He suggested I file a regulatory complaint.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

Last year I had a collection from XXXX show up on my Experian credit report. The item was removed due to error by the collector XXXX This item has since reappeared on my Experian credit report even though it was already taken off once before. There is no basis for this collection, and it was already acknowledged to be erroneous. Experian failed to send me written me notification that this collection was being re-inserted into my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2017-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (DE)

Convergent attempting to collect a debt for {$5100.00} acct    XXXX  from a previous fraud account dating back over 10 years disputed with original creditor and violates my rights under Fcra and Fdcpa and the statute of Limitations and i request a  Cease and desis t on a collections from this Fraud account.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

i was contacted by the iq data international folks I was told by a rep that the property was purchased by a different company and that because it was owned by a new XXXX that they needed to cover the debt I agreed that I could make payments as I was doing previously then the next week I was contacted by a XXXX XXXX stating that I was needing to make a full resolution of the amount or they would make some thing bad happen when I inquired about the " next action '' I was told nothing I agreed to attempt to make a payment they withdrew an incorrect amount from my account throwing my whole account into turmoil when I had called before the check went through stating I could make part then and part in 2 weeks then he said ok then I was contacted XXXX by XXXX again stating that he was mad the check did n't go through and if I did n't rectify the situation then he would go forth with further collections activities when I asked for proof of the debt he said he did n't need to provide that
Consumer complaint received 2016-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (UT)

I had purchased XXXX phones through XXXX XXXX that I returned to the XXXX I bought them from 3 days later. They state if returned with in 14 days I would not be responsible. They have continued for 6 years trying to get me to pay for phone service I never used. Now their debt collector is still pursing even after send in them proof from XXXX assoc. The debt is invalid they are still trying to collect. Even when I was promised in XXXX XXXX the most. I would need to wait would be 60days. I am upset that my credit report dated XXXX XXXX XXXX shows they are still seeking payment et. Please help me
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MO)

I recently signed up for an American Express card. I have a screenshot of the details of the offer which was receive XXXX membership rewards points after making {$3000.00} in purchases in the first 3 months. I spent over {$4000.00} in less than 3 months and AMEX will not release my membership rewards points. They 've informed me multiple times over the phone that there is a 8 week holding period before these points are released, despite saying nothing about this in the terms and conditions. Today is the end of that eight weeks and they are still holding my points. This feels like false advertising to me. I 'd like to open a complaint against AMEX.