davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

My Visa credit card was repeatedly charged after I authorized a single payment and even though the company rep originally apologized for the mistake, saying they would refund my money within 3-5 business days, I never received my refund and the rep no longer works there. I have filed numerous complaints with agencies and organizations but no one will help me get my money back. My last complaint was filed here earlier this month, Case number : XXXX, but I was recently sent the response " We reviewed your complaint and could n't send it to the company for a response ''. You had asked for additional information to the four months of credit card statements showing the charges on my card but since I was not the renter I did not have the rental documents and I am guessing that you chose to drop my case as opposed to investigating it. I just found my documentation from the XXXX complaint I had filed with detailed information on the company that I had lacked when I filed both of my previous complaints so I will submit a copy with this follow-up complaint in hopes of getting something done to get my money refunded to my credit card, plus the interest and fees that continue to increase that debt every month.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NM)

FAMS contacted my placed of employment and informed my co-worker personal information about me and that I have unpaid loans. My co-worker informed the caller these types of calls are not allowed and gave the caller with my permission my personal cell phone number. On another occasion a FAMS employee pretended to call to verify my employment and personal information about me for an " application I submitted ''. When my co-worker became suspicious because the caller was becoming rude she transferred them to my supervisor. My supervisor did not feel comfortable giving the caller the information they wanted after the caller would n't verify who they were so he referred the caller to our company supervisor. Then I received a call from our HR department informing me they received wage garnishment papers from this company for XXXX % of my paycheck. I got the company name and number from the paperwork. I called and was transferred to a man who was rude from the beginning. He stated they have called me numerous times on my cell and have not made contact. Which I have never received a single call or mail from this company. I informed him the address he has is incorrect and I have not lived there in over 5 years and that the name he is using is my maiden name. He argued it is my fault my wages are being garnished and that I should 've kept my name, address and phone number up-to-date with them. And since they never received a returned letter that it 's my fault they did n't have current contact information for me. He stated he does n't know the original debtor but that the loan from 2003 came from XXXX and is now at {$9000.00} due to interest but he ca n't tell me the original amount owed due to the loan being consolidated at some point in the past. He had no interest in updating my contact information, resolving matters with me or helping me get the correct forms that verify the debt owed and debtor owed. He very smugly stated several times that all will be resolved now that my wages will be garnished. How can a company who wo n't verify a debt or debtor? Wo n't communicate with me? And violates third party disclosure now garnish my wages for an unverified " owed debt ''?
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: D&A Services, LLC (OK)

I received a letter from D & A Services dated XXXX XXXX, 2016 on XXXX XXXX stating I woes {$350.00} to them to which I have let them know via telephone calls it is not a valid debt and I am the victim of Identity Theft. The collection attempts continue, they also informed that the debt is beyond statute of limitations.
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Century Financial Services, Inc. (CT)

I received a call from century financial. My main concern is that the number they called on was not their number!! it was actually the number of my daughters XXXX office which we paid off 3 years ago when she had her XXXX. I believe they can not falsely identify themselves and they certainly have! I do n't understand how they can call on a number i have saved in my phone, but I think it 's wrong and I do not think they should be allowed to do that! Very disturbing and bad business practice. It wasnt even my debt!!!
Consumer complaint received 2016-03-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I ask that your supervisors look into a complaint sent in last year concerning ( BOA ) Bank of America and execute an administrative proceeding on my behalf. On the first complain which I submitted to your bureau, BOA unnecessarly foreclosed on my home due to failure to conduct a modification in a timely factor, refused my right of appeal and inadequate service in calulating our income and financials. By your bureau contacting BOA, there office of the president refered me to there consumer advocate which was suppose to handle the concern but it conducted themselves in the same manner which caused the unnecessary foreclosure due to there neligence. I would appreciate for your supervisor to look at previous documents and documents which I will enclose in the mail with file number, in case BOA have lost again, so this matter can be resolved and BOA pay redress in equitable monetary relief and damages for there mishandling on the matter. BOA has given me the run around since XXXX and its now XX/XX/XXXX. The BOA advocates kept passing me along and asking to resubmit documents and statement they should already had multiple times and still making the same mistakes.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, XXXX XXXX, 2016 Transunion has false information on my credit report! There 's a inquiry on my credit report from XXXX! Dated XXXX XXXX, 2016. Which was on a Sunday! I never left my home, nor did I not attempt any service from XXXX! I never was a customer of XXXX. I never tried to, n never will try to open Any account with sprint! How on EARTH DID XXXX GET MY INFORMATION WITHOUT MY KNOWLEDGE!? PLEASE REMOVE IT FROM MY CREDIT REPORT! I NEVER APPLIED FOR ANYTHING WITH THEM! 
XXXX XXXX
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

My mother has an XXXX. Her house was sold and her mortgage was paid off. Wells Fargo sent a refund check for an overage on her mortgage escrow account. The check was lost. We attempted to have them reissue the check, however they refuse to recognize the Power of Attorney on my mother 's account since it is over one year old. They require a POA dated within the past year, which is impossible due to my mother 's mental incapacity. In addition, by law POAs do not expire.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (VT)

My home mortgage service company changed from XXXX to PHH Mortgage. I have a 60 day window to make payments. 
I received written notification of the change. I have been unable to set up an online account, after 4 attempts, taking at least one hour each. The website has confusing instructions and does not function. 
Neither Customer service or IT service are able to assist me. 
I am not sure these people are capable of managing my loan. I do not want this to have a negative impact on my credit rating.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

Ditech LLC assumed our mortgage in XXXX XXXX. They have now raised our escrow payment by {$140.00} per month despite the fact that we have had an overage in our escrow in past years under a different service company. Ditech has established a required beginning escrow balance of XXXX, which is not consistent with our original loan. Our current escrow balance is {$980.00} after paying hazard insurance for XXXX in full. The only amounts that remain to be levied are monthly PMI and property taxes that the XXXX Assessor 's office predicts will total {$3300.00} in XXXX XXXX. The company claims an anticipated {$4700.00} property tax bill. In 15 years, our highest property tax bill has been {$3800.00}. I have been unable to speak to anyone to correct this clear error in determining our escrow payment. This seems to be a continuation of bad practices engaged in by this company when it was Green Tree.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Arbitration — 
Company: WELLS FARGO & COMPANY (CA)

I over paid my wells fargo at XXXX XXXX XXXX XXXX XXXX CA XXXX credit card by {$60.00} dollars 5 months ago I 've called wells Fargo at least 10 times they said they need to send a paper for us to sign to be able to receive my money back every time I called they tell me to wait for 15 days nothing comes on the mail .I have asked for my money to be deposited into my account but wells Fargo said theres no way it can be deposited into my account
Consumer complaint received 2016-03-29
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (SC)

In XXXX XXXX, my account was transferred from XXXX XXXX to ATG Credit to collect a debt that is owed to XXXX XXXX. In XXXX XXXX, I received final statement from XXXX XXXX that my remaining balance for my debt was in the amount of {$25000.00}. However, when ATG Credit first contacted me to collect this transferred debt it stated that I am to owe {$32000.00}. I contacted ATG Credit on several attempts to communicate that the balance due did not match what I have paid towards this debt. I also informed ATG Credit that the debt they attempted to collect does not have the monthly payments I provided to XXXX XXXX for the last two years accounted for. I still provided ATG Credit with monthly payments in the amount of {$250.00} from XXXX XXXX- XXXX XXXX, as I was instructed that they would resolve the matter. I was told from a representative at XXXX Credit that they would communicate with XXXX XXXX and the original collector, " XXXX XXXX '' to confirm my remaining balance. However, I have not received any confirmation and no one has resolved the matter. XXXX XXXX, I asked for ATG Credit to remove my credit card information and to stop taking payment until the matter is resolved. From XXXX XXXX, this is still an issue that has not been resolved. I am continually receiving letters from ATG Credit stating that I owe {$32.00}, XXXX in full, but nothing that confirms they are looking into resolving my remaining balance due. I have not received payment confirmation from ATG Credit for payments made between XX/XX/XXXX-XX/XX/XXXX, even though I have requested this each month. I changed my address to my parents ' address in the event that I was not receiving their letters, but even with the change in address nothing was or has been delivered to my parents ' address as well. I worry that this company is collecting debt with no clear statement of what the remaining balance is. It should not take a matter of six months to communicate with the debt collector what the remaining balance of the loan should be. ATG Credit has been very rude and provided poor service to resolve this matter. I have faxed and emailed ATG Credit my last balance statement from XXXX XXXX as proof of what my remaining balance should be, and the matter was still not resolved. This collector is not doing their part to fix this issue.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2016-03-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

Certificate of Deposit purchased from XXXX National City Bank- XXXX, six month certificate, amount {$10000.00}. Recently discovered among other bonds and certificates. I have the original, signed by the bank, and have never redeemed it. PNC purchased National City, to include all holdings, in XXXX. They are refusing to redeem my certificate of deposit because their " records only go back 7 years ''. I informed them I could produce tax records with statements, no XXXX 's or records of them paying at time of acquisition. They stated, " does n't make any difference, going by our 7 year rule, I will not receive my money/redemption ''. HELP.
Consumer complaint received 2016-03-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The Affiliated Group, Inc (MN)

Affliated credit Services calls me repeatedly. I made payment arrangements with them back in late XXXX early XXXX. They have continued to call me as if I 've never made those arrangements. When I tell them I have they check their files and can clearly see I have. It 's " been sent on to a supervisor '' twice now. I 've told them I 'm filing harassment charges. I have phone records on both my cell and land line to prove this. They need to stop.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (IL)

We have had issues with Selene Finance ever since our mortgage was sold to them. There are some charges on our mortgage statement that they ca n't seem to explain. My first request went out in XXXX, 2015 and we have still have not gotten an explanation to date. Back in XXXX of 2015, they responded that further investigation is needed. I believe the charges are bogus and fabricated. I contacted them again last week, and received a letter in the mail that they are looking into it.
Consumer complaint received 2016-03-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TN)

XXXX XXXX EMPLOYEE/SUPERVISOR XXXX XXXX HAS STATED TO ME THAT BY LAW XXXX DOES NOT HAVE TO SUPPLY A STATEMENT ON THE FIRST LATE DATE OF THIS ACCOUNT, NOR DO THEY HAVE TO KEEP THE IN HOUSE RECORDS. I ALSO HAD THEM CHECK INTO ANOTHER CASE THEY HAD IN THERE OFFICE SOMETIME AGO. 
ACCOUNT NUMBER : XXXX Original Creditor : XXXX, XXXX. 
Current Owner : XXXX XXXX XXXX XXXX Number : XXXX AND THEY HAD TOLD ME THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE I 'M DISPUTING NOW ACCOUNT NUMBER : XXXX REF NUMBER : XXXX WOULD BE CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND FIRST NATIONAL COLLECTION BUREAU , INC .
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (CA)

See Prior CFPB Case # XXXX SETERUS - Fraudulent and bad faith lending practices. Fraudulent foreclosure. Misrepresentations in lending. 
In XXXX, my mother passed away and I inherited her condominium located at XXXX XXXX XXXX XXXX, XXXX, California XXXX. As the estate was finalizing, the Lender was transferred from XXXX to XXXX ( see prior complaint against XXXX ). After multiple 'lies '' by XXXX and bad faith, XXXX then transferred the Loan to Seterus in XXXX which required me to start the process over of assuming a loan. Seterus, throughout the process, has misled me, committed fraud, backdated letters sent to me, indicated they sent letters which were never sent and are attempting to 'steal ' a property and I am doing everything possible to assume. They have set a foreclosure date of XXXX XXXX, XXXX so that matter is urgent! I am providing extensive documentation of my communication with XXXX and Seterus and their bad faith and fraudulent lending practices. Where is process now? After being told by Seterus on multiple occasions that a Loan Assumption Packet was complete ( originally completed XXXX XXXX, XXXX ), Seterus is now requiring a new packet. I received XXXX letters from Seterus this past weekend XXXX XXXX XXXX, XXXX ) which indicated the loan was " in process ''. I had spoken with XXXX XXXX of Seterus on XXXX XXXX, XXXX who indicated my Assumption packet was complete with the exception of a utility bill and an address. I immediately faxed the requested information ( attached ). Thankfully, I phoned Seterus today ( XXXX XXXX, XXXX ). I spoke with XXXX XXXX who informed me that XXXX XXXX was incorrect and an entirely NEW Loan Assumption packet was needed. This was the first time I was informed as such. It is clear that Seterus and committing fraud and bad faith and attempting to steal my property. At all times, I 've tried to pay the mortgage and assume the loan, but Seterus continues to misrepresent the status of my assumption packet in an effort to sell my property. This is my home and I want to keep this property. Please read prior Case # XXXX. 
I have now initiated at least 8 phone calls with Seterus and am basically lied to or mislead in every call. As an attorney myself, I 've never encountered such fraud and bad faith. Please help. I 've done everything I can to assume this loan and the predatory lending practices by Seterus will not stop.
Consumer complaint received 2016-03-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: DISCOVER BANK (VA)

I have a savings account with Discover Bank. On XXXX XXXX, I submitted a request to Discover to verify an external account I have at XXXX XXXX XXXX. They made XXXX small deposits on Monday XX/XX/XXXX, then withdrew them out. On XXXX XXXX I submitted a request to transfer {$1900.00} from my savings to XXXX XXXX account. Discover bank withdrew it from my account on XXXX XXXX, but sent it through the ACH system with an effective date XX/XX/XXXX. It posted to my XXXX XXXX account on XX/XX/XXXX. The Federal Reserve does not debit Discover until the settlement date of the transaction. As a result, Discover held on to my money for 3 extra days and I lost 3 days worth of interest.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon getting my credit report, I noted an address of XXXX XXXX XXXX XXXX IL on there with a possible loan/store credit card and possibly more obtained/attempted and possibly Utilities use connection using MY NAME. This address is/was my ex-husband and his new wife XXXX XXXX XXXX XXXX and XXXX XXXX. They have tried this before in getting cell phones. I would like more information on what/who they used my info for and what I can do about it Please. These were noted on my Transunion credit report and I am unable to get my XXXX XXXX right away because it shows accounts I do not recognize on there.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

I keep getting phone calls from Sally Mae over a student loan called today 2 times XXXX number was XXXX do not have a student loan, and have never had a student loan.. They keep harassing me by calling me ... This call was at XXXX XXXX/XXXX/2016 Caller ID says private. I looked it up online, It is Sally Mae. I have already turned in a previous complaint with a different Phone number, that called me before. I want {$5000.00} for harassing me. These are robo calls. I received another call at XXXX XXXX XXXX/XXXX/2016, Caller ID said unavailable, when I picked it up it was another robo call, ,about a student loan and to press XXXX. I pressed XXXX and blasted the foreign speaking guy with my air horn.. I want another {$5000.00} for that call. This is just harassment for something I do not have a student loan.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Wrong person, same name XXXX years older than me he doesnt pay dental, medical seton hospital phone bill. Im born XX/XX/XXXX. The person ruining my credit score was born XX/XX/XXXX.We have sname name. I live in XXXX Texas. This guy lives in XXXX Texas and previously XXXX
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

I, XXXX XXXX, am the cosigner on a Nelnet Parent Plus loan that my father took out for my brother who was a student at the time. My brother graduated from XXXX University in XXXX 2015 and the first loan payment was due XXXX 2015. My brother had been making consistent payments on his loans and each time he called, he confirmed the full loan balance. As a consequence, my brother, his father and I believed that we were making payments toward a consolidated loan balance that included the amount of the Parent Plus loan. We have come to realize that this was not the case after I received a negative comment on my credit report stating that I have failed to be current on a credit/loan account. When any of the parties to the loan call to find out what the responsibility is, the representative does not share any information on this loan unless you ask them specifically about any loan where there is a cosigner. This makes it very difficult to know my responsibility as a cosigner and has hurt my creditworthiness.