davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo has failed to supply the requested information I have asked for in regards to an FHA backed loan that is in my name. In XXXX, I notified XXXX ( the case manager at that time ) via the phone, that I wanted a copy of all paperwork regarding the short sale pending on property XXXX XXXX XXXX XXXX, Ohio XXXX. I also informed XXXX that the federal document, XXXX, regarding the short sale clearly states in line one of paragraph 2 that the realtor listing the property is to be unrelated to you ; the listing agent XXXX XXXX is XXXX XXXX 's biological aunt. Lastly, I informed Wells Fargo by message of this information on XX/XX/2018. I also informed Wells Fargo that a third party is living in the home and may presumably be paying XXXX rent while the mortgages payments are still not being made. It clearly feels that Wells Fargo is ignoring the facts that have been provided and thereby ignoring the federal requirements of this transaction. Further, they have been advised that monetary gain may be being received by XXXX for a federally backed loan that is not being paid. 
Wells Fargo responded to my written inquiry, via their internal message center, on XX/XX/XXXX stating XXXX XXXX was assigned as my point of contact until the issue was fully resolved ; I have never heard from him. Next Wells Fargo sent a letter to me from XXXX XXXX, dated XX/XX/XXXX, stating that my inquiry was important to them and they would respond by XX/XX/XXXX. In another letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo stated that my concern was important to them and they would respond by XX/XX/XXXX. In a letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo again stated my concerns were important to them and they would respond by XX/XX/XXXX. It is now XX/XX/XXXX, almost two months after I initiated my complaint and they refuse to provide copies of all documents related to this short sale or address my concern about their disregard of federal form rules. These are not federally protected documents, and would be accessible under the Freedom of Information Act even if  so.
Consumer complaint received 2018-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Affidavits Attached XXXX XXXX-XXXX v. XXXX XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and Transunion, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my Transunion report, on it's website ( https : //www.transunion.com/XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to TransUnion. FCRA Section 611 ( a ) ( 2 ) requires Transunion and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a  violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Consumer complaint received 2018-11-12
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: AMERICAN EXPRESS COMPANY (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report.
Consumer complaint received 2018-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (NE)

On XX/XX/2018, I submitted a request to have my first automatic mortgage payment deducted on either XX/XX/2018 or XX/XX/2018 ( attached ). 

On XX/XX/2018, I received a call from my mortgage company requesting I give them a call back. 

On XX/XX/2018, I returned the call and was asked if I wanted the autodebit to start the first or the second Friday of the month. Because it was not processed at that time, I specifically requested it be started the second Friday in XXXX. The representative states she would send an email to have this processed. 

On XX/XX/2018, I received an email from my bank stating that my mortgage company had submitted a request for an ACH transfer. 

On XX/XX/2018, I contacted my mortgage company and was told that their is nothing they can do at that time. I asked what the process was to have this resolved, and was told to call back in 24 hours and let someone else deal with it. 

I was transferred to my current servicer on XX/XX/2018. I have had payments returned because their system couldn't accept them, while getting a bill on the same day for an upcoming payment. The mortgage company/loan servicer is horrid. I can not wait until the repairs/upgrades are done on my house so I can refinance with someone else. At this point I do not care if I end up paying more in the long run, the stress this company has caused is NOT worth it.
Consumer complaint received 2018-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

MCM I called several times to resolve the issue and was told the debt could be settle for {$750.00} dollars in which I called back and was told I need to talk to some one name XXXX. I have phone records to how many times I called.

If MCM wants to resolve this issue I need a letter stating what I was told over the phone. If it's not in writing the amount stated there is no reason to mail any more letters I will just wait to it comes off my credit report. If the debt is not being removed there is no reason to pay the debt due to it is not going to change my credit.

Unless I receive something in writing showing what we discuss and it's been removed from my credit report there will be no need for need for contact regarding this debt if not in writing. I well not respond to the same old computer generated letter and when calling no need. Its been nothing but games and the run around with MCM. No letter no money
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (PA)

Called by multiple numbers from multiple states. They called my wife and family members and provides my ssn on their voicemails. Threatened to sue me, seize my property, and freeze my accounts when I contacted them and told me they didnt care who I had talked to a week prior. Refused to provide any type of written documentation. Threatened to come to my home and job to deliver court documents that are not registered with ujs. Account is no longer on my credit report. Phone number where I reached someone was XXXX. When I refused to give a date and time I would be home he told me he didnt care if I missed my court date and hung up on me.
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

I'm a Teacher and have been in repayment status since I graduated college in XX/XX/XXXX.  I've maintained consistent, full-time, qualifying employment and have never missed a payment on my loans. I've behaved in such a fashion to ensure my eligibility for the Public Service Loan Forgiveness ( " PSLF '' ) program.

This year, I became eligible for the program and began to inquire about how many payments the lender has recorded that I've paid. After several calls to customer service, I couldn't get a clear answer. Rather, they initiated a payment review in XX/XX/XXXX. I called today ( XX/XX/XXXX - Spoke to XXXX ID XXXX ) and was informed the payment review still hasn't been completed. I was told that the payment review is indefinite and could take months or even years to complete. I was also informed that while my account was under payment review, I would NOT be eligible for the PSLF program. 

I asked for a timeline of when the lender expected the payment review to be completed ; they indicated they did not know. The lender said once a payment review is initiated, it can not be stopped or cancelled and has to run its course. I pleaded with the lender, asking for this process to be escalated, to no avail. I also explained that the lender is holding my account XXXX and keeping it in limbo ; meanwhile, we're paying interest and payments as required by the terms of our loan. We simply can not make an informed decision about how to proceed with our loans ; whether or not we should refinance them to avoid paying excess interest, or stay the course with the PSLF program. 

I recently applied for the PSLF program and was denied, showing that I only had made 31 qualifying payments. I then applied to the Temporary Expanded PSLF program and was subsequently denied because I hadn't made 10 years of payments. Despite the lender 's reasons for denial of both programs, I boldly attest that I've been paying on my loans, consistently and without delay, since my graduation from college XX/XX/XXXX. Ten years. 

I've done all that I can do up to this point. Our only recourse beyond this complaint is to move forward with civil litigation. Our hope is that this complaint will aid us in obtaining the relief we desire.
Consumer complaint received 2018-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Nextep Funding LLP (PA)

I bought a puppy from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX An I got her on XX/XX/XXXX and she got sick and took her to XXXX XXXX XXXX of XXXX XXXX to find out she was in Critical condition with many issues. Got a bill for couple hundred dollars. They call me and told me she was getting worse. I stayed with her for couple hours and she was throwing up and having issues. Took her back to XXXX XXXX and the owner wants to act as if she fine. The dog cant even stand up and said I can get a full refund and the story changes. As im leaving the owner wants to tell me that the dog is fine she just ate. The dog has not been able to hold food in any way. I finance the dog threw. Hello Funding LLC.

I bought 2 dogs in which the other dog has issues as well.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I received a postcardstating that I recently closed on a mortgage with JP Morgan Chase and that I needed to contact the entity regarding an important matter regarding the loan. A phone number was given along with a mortgage id # I did not call the number and a disclaimer at the bottom of the postcard stated that the information provided was not affiliated with JP Morgan Chase. A copy of the postcard is attached.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

I originally took out student loans with Sallie Mae for my 4 years at XXXX, XX/XX/XXXX-XX/XX/XXXX. After graduating sallie mae became Navient. Because I was not able to make payments due to financial hardship they gave my loans to a debt collector, XXXX XXXX. Starting in XX/XX/XXXX, once I had a stable job, I was able to set up a payment plan where I paid XXXX a month until I would be able to come up with a lump sum of XXXX to settle my loans. To date I've made XXXX in payments to XXXX XXXX. Despite this, Navient has reported my account as delinquent every month and I have not been able to raise my credit. I've contacted Navient about this multiple times, most recently XX/XX/XXXX and they keep informing me they no longer have my loan and transfer me to various debt collectors who also say they do not have my loan and transfer me back to Navient. XXXX XXXX has informed me that my account is in good standing with them, and they do not know why Navient keeps reporting me. My credit report says all of my Navient accounts are closed, so I do not understand why they continue to be reported as delinquent. I have filed a dispute with XXXX and I am waiting to hear back. I just want to make sure that this situation is investigated thoroughly because at this point I feel like I throwing away money and any effort made to improve my credit has been futile. I'm sure you understand my frustration in this matter and I'd appreciate any information you can provide. Thank you, I look forward to hearing from you.
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (OR)

Dear CFPB, I am requiring your assistance in resolving a fraudulent attempt to collect a debt not owed. This letter is in no part, an admission of debt owed and may not be used against me at any point. I had an account with XXXX XXXX water services and cancelled service in or around XX/XX/2017. I was preparing for a move across the country in XX/XX/XXXX. I had already had plenty of water and told them to cancel billing upon making my last payment. I had them collect my water jugs before making my trek across the country in XX/XX/XXXX. I never received a letter outlining the reasoning for this collection of the debt nor a statement of it's validity. However, if I did receive such, my account records would reflect no debt ever existed. Since noticing this negative remark on my credit report, I've tried to resolve this matter with the collections company. I've received harassment and endless calls from various numbers. The nefarious manner in which these criminals have attempted to collect a debt not owed has been extremely suspect. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC (FL)

The complaint is against FBC Mortage, LLC XXXX XXXX from the start it was impossible to get a hold of XXXX or get replies back form vm and emails. First it was misleading we were told that our payments would be XXXX or lower a month. Are initial loan document had all the wrong numbers and when I pointed it out he told me not to worry about it. The application was just to get started. I sent them all the docs they requested that same day requested. They never confirmed received and they they lose some of them I had to resend them. Throughout the process I kept asking if they had everything no reply and days later they would reply and say yes. Well 3 months before closing I asked are we all set they go oh no we need some more docs, its like when did you plan on calling me. Two weeks before closing which was set to be XX/XX/2018 I kept asking when do we lock interest rate when do we get the final loan documents so I can review and make sure everything is correct. XXXX XXXX kept making excuses and putting me off. Three days before closing he finally locked interest ( and not because I was late on getting docs back he delayed I have no reason why ) and emailed us the docs rushing us that we needed to sign that night he emailed it to us around XXXX XXXX. 
When I saw the interest rate I asked why is it higher over 1. percent he goes to me it went up this week. So what you are telling me because you waited so long on locking the rate we now have to pay more mortgage payment. When I was asking for the documents the week before closing XX/XX/2018 it was at 4.85 and he locked it in the next week at I believe over 5. Because of this we could no longer afford the payment they wanted over {$1800.00} a month and we kept telling them we can't afford more then {$1600.00} they kept telling us and misleading us telling us they would be low. We could not go into a new home deal knowing we would loose the house and had to walk away. Because of that we lost the {$3000.00} deposit.
Consumer complaint received 2018-10-18
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: Fidelity National Information Services, Inc. (FNIS) (FL)

My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently double reporting on the same debt. Not only are they double reporting, XXXX XXXX XXXX, is also included in my Bankruptcy discharged docket # XXXX. This is in clear violation of the Bankruptcy Law Act.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (MA)

i disputed this charges previosuly sent the company proof the removed it and added it back im furious and cant believe i cant trust the creditor i have done business with this company has charged me an additional XXXX for service i cancelled when they are selling inaccurate and misleading service
Consumer complaint received 2018-10-18
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: Early Warning Services, LLC (FL)

My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
Consumer complaint received 2018-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (WI)

My husband and I recently just got a loan modification through our mortgage company. Because we were struggling to make ends meet. And wanting to keep our home and not wanting to be foreclosed on so are mortgage company made us think that a loan modification is our only option and forced us into a ridiculously high numerous fees charges loan modification or we lose our home to foreclosure.. and this loan modification has put us in so much financial stress and it all started from our mortgage company and Ive already filed a complaint about this with our {$580.00} insurance premium that went missing back in 2015 that was supposed to be paid to XXXX XXXX.. We are getting nowhere with our loan through our mortgage company because our mortgage company doesnt want to work with their customers with American people that have families and that have lives and a mortgage company like I have my loan through does this to me and my family. And will not address any of my concerns regarding my loan or my loan modification agreement my escrow account my homeowners insurance anything that has to do with my loan from top to bottom my mortgage company will not address my concern at all. And so I now doing my own research know that this is not my only option to keep my home for myself and my husband and my kids and Im not going to stop until I get the justice we deserve weve been with this mortgage company for 10 years weve suffered for 10 years from day one with this mortgage company they are nothing but dirty crooks that dont care about American people.. this mortgage company uses fraud and kickbacks to get what they want from their customers loans. And I get no answers at all and Im not stopping until I get the justice that we deserve