davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NH)

I have a mortgage with PNC. I had to declare bankruptcy in XXXX and have since paid off the bankruptcy. The PNC mtg co said l still owed some money for property taxes yet it showed I was up to date with all payments having been paid on time with escrow for taxes and insurance. They insisted there were back property taxes and were able to prove that was the case. I asked for a modification and they directed me to their website to print out all the necessary forms. During this time while l was getting all information together they stopped accepting my monthly payments saying the could not take payments while I was behind but my online account showed me up to date till XXXX XXXX. When they got to four months returning my payments the began foreclosure procedures against the home. I had sent in most of the modification forms, they had me change some several times and just as I got to the final date they said the did not receive a profit and loss statement I sent to them several times on the fax number used for all other submissions. As a result l had to start over. In order to not lose my home to foreclosure l filed for bankruptcy again and resubmitted all the documentation for the modification. The bankruptcy filing stopped the foreclosure, I would prefer not to file the bankruptcy the trustee and my lawyer have held off the filing of bankruptcy by certain language until I get a determination on the modification. They finally rejected my modification saying l did n't have enough income and l could ask for a short sale of deed XXXX lieu. My house has almost {$150000.00}. In equity. I have since then appealed the rejection of the modification on XXXX XXXX, XXXX this needed to be in by XX/XX/XXXXand now the will take until XX/XX/XXXX. I had added a statement from the State of New Hampshire showing they paid me just under {$6000.00} for XXXX this was for child care and I forgot to include it in the list of income for the modification. 

My complaint is noting all of the above efforts the mortgage co. Has run me around after a payoff on chapter XXXX and five years of on time payments the deliberately returned payments made on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to make me four months behind to foreclose on me. As a result I have had stress, my family has been torn apart my wife and l will probably end our 45 year marriage. Currently we are in the process of listing our home for sale. What this company has done to us is despicable. We were very good customers during the chapt XXXX pay off an the few months after. During the five year chapt. XXXX pay off period the offer XXXX trial modifications both time their terms we set at a time before we received the offer and we could not fulfill the terms although we kept paying the regular amount on time the first of the month for more than the amount offered.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, Several credit disputes were sent to Experian, XXXX and XXXX regarding the derogatory information on my credit report. It's not fair that these credit bureaus are not governed by law to respond any dispute requests that are sent to them. 

I want the below accounts investigated properly and I want a response back. I have been disputing these accounts for over 6 months. This is unethical and unacceptable. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX- # XXXX Please start your investigation and verify this at once. - This is completely inaccurate. I would like to kindly bring to your attention that the data presented above appears to lack certification to meet the required reporting standards. Additionally, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. Therefore, I respectfully request the removal of any inaccurate or unsupported material from this record.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

This is a follow up complaint to a response on Case # XXXX where Select Portfolio Services virtually admitted to violating RESPA regulations : First, they freely admit that XXXX XXXX ( the mortgage holder before loan was transferred to them ) paid off XXXX. In addition to the fact that this was done without my knowledge or permission, the fact remains that this was in fact a cashout/debt consolidation loan because it paid off MY account with XXXX. 
In the same response they say they are going to defy RESPA in refusing to rescind my loan. 
All of the other garbage they are throwing in, such as the state of my what they call delinquency are irrelevant to the issue ; why do they think I 'm not paying them?
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (AL)

A credit card I have no knowledge of is showing on my credit report as delinquent and charged off. I disputed the credit card with both XXXX and XXXX credit reporting agency and got a response saying that the card is charged off and would be on my credit report for 7 years. I did not apply, use, pay or have knowledge of this debt. Not sure who did this. There was a history of good payment history as to why I did not know of its existence until whomever stop paying and I started getting negative letters when applying for other credit.
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I tried to obtain a loan to consolidate our debt AND also tried to obtain a mortgage loan. However, we were denied for consolidation loan from our credit union accordingly, due to too much debt-to-income ratio. We were also unable to obtain a mortgage loan any higher than {$170000.00} from the XXXX XXXX and no more than {$160000.00} from a XXXX XXXX XXXX loan at an extreme high interest rate because again, too much debt-to-income ratio. We later learned that Wells Fargo Bank made an erroneous credit report to the consumer credit reporting agencies. We had a regular XXXX account with Wells Fargo but they later upgraded our account to a " XXXX XXXX '' and transferred the balance over to the new Signature card and closed out the old regular XXXX account. However, Wells Fargo failed to correctly reflect this change. Instead, they reported both the regular account with the old unpaid balance and the same unpaid balance on the XXXX account to the credit reporting agency. Thus it seems we have XXXX Visa account with equal unpaid balances. This negatively impacted us by lowering our credit rating and higher debt than the actual. When I contacted the Wells Fargo Bank to correct this error, they wrote back stating they saw no erroneous reporting. We contacted Wells Fargo Bank again and spoke with another agent named XXXX XXXX of XXXX of Wells Fargo who correctly identified the error and agreed to update our credit and reflect the closure of the original regular XXXX account. However, my husband and I have already suffered a damage because of their error. We feel the credit reporting agency has failed due diligence as well.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX of XXXX I applied in a Wells Fargo branch for a Secured credit card. This card has an annual fee of {$25.00}. On XXXX XXXX XXXX I applied for a credit card offered though Wells Fargo called the Wells Fargo XXXX XXXX XXXX XXXX. That card 's ( XXXX ) application was denied because I am not a XXXX. Because of this application 's denial I recalled that my Wells Fargo had been open for THREE years now and I was still paying an annual fee each year and the card remain a secure credit card. So I called Wells Fargo to ask if the reason my card had not graduated to a unsecured credit card because I was n't a XXXX and they informed me that that was indeed the reason. I asked for the annual fees I had paid to be refunded because the card was never going to do what was advertised as becoming a unsecured credit card in a year or more time. The representative at first informed me that XXXX annual fees would be able to be refunded however later in the call after being put on hold I was told that only XXXX annual fee can be refunded. It is unacceptable that I was never informed of Wells Fargo policy on unsecured credit cards for non-XXXX.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to complain about the interest rate on my Chase XXXX card. It is currently at 28.24 %. This is high for a person who is a long term customer, pays regularly and has good credit. I am asking that you lower the rate. 
I contacted your customer service group and spoke with XXXX on XXXX. They could not help me. As a matter of fact all of the customer service people seemed amused by my request. 
This is a usurious interest rate. It is unacceptable that the rate is so high with the prime rate being at historic lows. I understand that you need to cover your costs and make a profit. But this is unacceptable.
Consumer complaint received 2015-06-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

I am the victim of identity theft. On XX/XX/XXXX, I discovered a XXXX " collections '' entry on my XXXX credit report that was not mine. On XX/XX/XXXX, I called Pinnacle/ XXXX XXXX and spoke with " XXXX , '' who confirmed that the name of the person who stole my identity was attached to the collections account ( not my name ). " XXXX '' told me to submit a faxed dispute to XXXX XXXX XXXX. 

I submitted a faxed dispute to Pinnacle/ XXXX XXXX on XX/XX/XXXX. However, I received no response to my dispute from Pinnacle/XXXX. So on XX/XX/XXXX, I called Pinnacle/XXXX again ( speaking with " XXXX '' at ext. XXXX ) to confirm that Pinnacle had stopped reporting the erroneous collections entry to XXXX. XXXX confirmed that, XX/XX/XXXX, Pinnacle had stopped reporting the erroneous entry, and he mentioned that the collections account had been closed due to the fraud. 

On XX/XX/XXXX, I obtained a copy of my current XXXX credit report, and discovered that **the Pinnacle collections entry was still showing on my XXXX credit report, XXXX months after Pinnacle supposedly stopped reporting it and closed the subject account due to fraud. **Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector may not report a debt to a Consumer Reporting Agency ( CRA ) ( such as, in this case, XXXX ) if the debt has been disputed, and has not been verified within thirty days of the consumer 's initial notice of dispute. 

Pinnacle/ XXXX has failed to provide me any verification of the subject debt more than six months after I first notified Pinnacle of a dispute ; and indeed, earlier this month, Pinnacle assured me that the account had been closed due to the fraud. 

As such, Pinnacle is in standing violation of the FDCPA and the FCPA by continuing to report this inaccurate information to XXXX and the other CRAs.
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I am wanting to dispute this debt, and have it not reported to any credit bureaus.
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

HRRG called to request payment on a debt. I requested verification that the debt is valid. They refused to provide statements or any other means of verification. In addition, they spoofed their called ID to make it appear they were calling from XXXX, CO when they are actually in XXXX, XXXX - Deceptive
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Back in XXXX 2012, my home with Greentree Loan Servicing was burned to the ground and a police report was filed. Greentree was supposed to come repossess the mobile home and took forever to do so. My mortgage was behind a few months and there was forced place insurance on the home for quite sometime. The insurance was not expired at the time of the fire, but Greentree would not acknowledge that the home had insurance. So instead of the company paying off the home with the insurance that had already been paid by them, they in return continued to lie that the home was not insured and has since kept this property on my credit report as a debt.
Consumer complaint received 2015-09-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX my debit card would not work at the atm machine. I went inside the branch and told the teller. she did the transaction for me. later that day I found out a check had not cleared so I rush back to the atm before XXXX to deposit the money back except the card would not work. there were another deposit made in the account that was placed into pending although it was cash. The check was paid and I was charge {$35.00}. the issue is the bank was to investigate the matter in XXXX and get back with me, never a letter nor a phone call not even a message. I went to the branch yesterday to see what was going on and I got such unprofessional response from the employees and lies and they stated the bank does not send customers replies to dispute because it is a personal thing that they do so they do not, yet they tell me this employee had tried several times to call me and yet I never received a call or a voice mail, not even a e-mail from this branch. the bank manager was talking to the man employee and when he walked out I asked to speak to her, would you believe she effused to speak to me and she was sitting right there in her office looking directly in my face which she then moved her chair over to the other side so I could not see her and there were no one in her office with her. That employee that was to type up the paper work for the investigation did not know what she was doing and she said so, other people was coming in to help her and because I had been in her office a long time waiting for her my XXXX small grand children got very antsy, so now you know I am getting a little frustrated because every office person should know how to quickly get a customer request resolved, except this one did not. to wait two months for a banking resolution is ridiculous and this type of behavior should not be tolerated from no employer. all your office personnel needs to be terminated and all your bank tellers should be running the bank and then find all new tellers, because they are the ones with class and professionalism. this group at the XXXX GEORGIA NEEDS TO GET THEIR TRAINING FROM THE XXXX, GEORGIA BRANCH ON HIGHWAY XXXX BECAUSE THEY ARE THE TOP WHEN IT COMES TO CUSTOMER SERVICE AND THEIR NEEDS. MORE SO THEY ARE HONEST IN GETTING THE JOB DONE AND KEEPING A VERY GOOD REPUTATION FOR THEIR EMPLOYER.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MD)

On XXXX/XXXX/15 I received an email that my account was overdrawn. When I opened up my account, I had XXXX {$36.00} overdraft fees. I immediately started reviewing the account and could not find where it was overdrawn. I contacted PNC Bank to inquire about the fees. In the chat with the representative XXXX, it was stated that the check I deposited was n't cleared until XX/XX/XXXX. On the online tool that they provide it clearly states that my check was cleared on XX/XX/XXXX and all of the transactions were posted after the check was cleared. The representative said that the check was not cleared until XX/XX/XXXX. PNC bank provides this tool for consumers to to keep track of their spending, but are now telling me that it is not accurate. I have attached a copy of my transcript, a screenshot of the transactions which do not show my account in the negative, and a previous overdraft which does show my account in the negative. If the tool is inaccurate, then it should not be made available to the consumers.
Consumer complaint received 2015-09-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

My Complaint is against Citibank. I am an XXXX ( XXXX ) from XXXX, where I usually live. I keep travelling all the time, to various ( around XXXX ) Countries, giving XXXX. During XXXX such trip to the US during XXXX, I opened a Checking .Account and Savings Account with about {$500.00} and {$1400.00} respectively, with Citibank in XXXX XXXX ( XXXX XXXX XXXX ) XXXX. I was told, it is a FREE Checking Account and there were no charges, whatsoever. I did not operate these accounts for about the last 7 Years or so. 
During my current visit to the US, I was shocked to see that my accounts were almost wiped out clean, but for the {$200.00} remaining, which I hastened to withdraw. I got furious and took up the matter with the Branch Officials. But they say that they transferred all this money from my Savings to Checking, as some Bank Charges. Surprisingly, I never got any notices in this connection. Besides, my account online banking Log in was XXXX after about an year or so of opening the account. Further, since the Accounts have been in a dormant and non - operative condition, they should have kept them in a separate portfolio, as Banks in my Country and various other Countries I travel to, are known to do. Instead of doing any of these standard Banking practices, Citibank chose to conveniently siphon off the funds from my accounts, which is very shocking to me.
Consumer complaint received 2015-09-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

I was forced to deposit & wire to multiple amounts of money because of threats to harm my children. What was a harmless internet romance, turned into the worst year of my life. That being XX/XX/XXXX. After my dad XXXX XX/XX/XXXX.A girl named XXXX XXXX XXXX XXXX XXXX XXXX . She was nice in the beginning, until when she scammed and threatened me, and my family. The first bank was Wells Fargo, which was a bank wire. Acct holder XXXX XXXX XXXX. Address- XXXX XXXX XXXX XXXX XXXX CA. XXXX # XXXX. XXXX ) Another wells Fargo wire Acct # XXXX, Acct Holder XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX CA XXXX {$1200.00} XXXX Dep. amt - {$1500.00} XX/XX/XXXX. Dep- {$2600.00} and {$2400.00} XX/XX/XXXX. 

A wire and multiple deposits were made to XXXX XXXX holder XXXX XXXX XXXX. Acct # XXXX. Address- XXXX XXXX # XXXX XXXX CA XXXX. A wire for {$3000.00} and XXXX manual deposits for {$2000.00}, {$1000.00}, {$670.00} And {$1200.00} on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX deposits to XXXX XXXX Acct # XXXX, in the amt 's of {$1600.00} an d {$2000.00}. 
Another XXXX XXXX XXXX acct holder XXXX XXXX Acct # XXXX in the amt of {$2500.00} done XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX a wire {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
The Bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
The other was XXXX XXXX XXXX, XXXX- XXXX. co.a wire for {$25000.00} acct # XXXX. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX , Wire Amt for {$10000.00} & {$7200.00} Acct holder- XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX acct holder Stop $ wholesales a teller deposit for {$6000.00} & {$10000.00} done the same day. XX/XX/XXXX Acct # XXXX. 

XXXX XXXX XXXX multiple deposits to XXXX XXXX XXXX Acct XXXX - XXXX for {$2000.00}, {$1000.00}. {$3000.00} on XX/XX/XXXX, and {$3000.00}, and {$2300.00} on XX/XX/XXXX. 

Last but not least XXXX XXXX XXXX a deposit made for {$4000.00} on XX/XX/XXXX @ XXXX XXXX Acct # XXXX. XXXX XXXX continues to threaten me through the use of private numbers and yahoo messenger XXXX, and her lawyer also at XXXX XXXX. IM also reporting How I was treated to the consumer Financial protection Bureau. I believe have aided and abetted these known criminals. These criminals stooped so low to say I will join my father in XXXX with my kids, and me being on medication for XXXX and XXXX complied. These banks have treated me with such discrimination. My local police did n't help XXXX bit. I still have all the receipts for said transaction. When I found out I was scammed, I asked XXXX XXXX to recall the wires, and they refused. I want My Money Back.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: ProCollect, Inc. (TX)

This collection agency " Pro Collect '' has placed debt collection information on my XXXX and XXXX credit which has lowered my score. I have called them numerous times and they have sent me a XXXX page, very heavily coded, letter which tells me absolutely nothing about this alleged debt. They placed this debt collection info on my credit reports BEFORE they even contacted me to collect the debt. I have told them NUMEROUS times, if they can show me where I actually owe this {$75.00}, I will be very happy to pay it. But they never bothered to show me. This is just not right. My credit has always been almost XXXX and it 's now XXXX. I want them to prove to me that I owe this debt or take my name off their list and clear up my credit score. These are very difficult people to work with here.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Equifax reported me late on a XXXX XXXX credit card. They have me listed as late 30-60 days. I made a payment on this account on XXXX XXXX for {$20.00}, on XXXX XXXX for {$10.00} and on XXXX for {$230.00}. When I called XXXX XXXX about late fees they reversed them on XXXX XXXX for the amount of {$29.00}. The account was never more than 30 days late.