davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

In the first quarter of XX/XX/XXXX We were delinquent on the mortgage payments with Wells Fargo. We received the attorney demand letter dated XX/XX/XXXX for the balance due in the amount of {$17000.00} ( copy included in the attachments ) We requested a reinstatement amount to bring the account current. We were advised it would take 10 days to produce. Wells Fargo provided a letter dated XX/XX/XXXX. The account was reinstated on XX/XX/XXXX with the amount  requested. THEREAFTER an additional {$1000.00} was assessed to the account as an " unpaid advance balance ''. When I initially inquired about the fees I was informed verbally that they will eventually fall off the statement when the funds get posted to the account. I was never disclosed what these fees were for. I was never asked to pay these fees via my monthly statements. On XX/XX/XXXX I received a demand letter for reinstatement that did include the {$1000.00} PLUS the late fee. However, in their letter dated XX/XX/XXXX they state they do not include late fees on reinstatement quotes. ( which is a contradiction ) In XX/XX/XXXX when I initiated the request for full payoff I noticed these a were still  attached to the account and included in the payoff figure. When I inquired as to the exact break down and purpose of the fees I was informed {$560.00} Attorney fees, and {$460.00} in filing costs. I 've gone through an extensive process to dispute the fees and request a detailed explanation of the fees and PROOF via a copy of a paid invoice for services rendered. I do not believe these charges are true and correct. The attorney fee was quoted in writing and paid {$840.00} ( why would they neglect to include the additional {$560.00} of their entire fee in the reinstatement figure ) and the filing costs are being quoted as {$460.00} - filing what? There certainly is n't more than {$6.00} in filing fees reflected in the public records to record the cancelation of the XXXX XXXX. I have requested several times DOCUMENTATION of the paid fees - NOT JUST A WRITTEN EXPLATION FOR IT. This dispute prevented me from paying my balance in full for over two month causing additional interest to accrue. On XX/XX/XXXX I paid my account in full vowing to resolve this situation by any means possible.
Consumer complaint received 2018-07-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

A certified letter was received by Equifax on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Equifax failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Equifax processed my investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Equifax is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Equifax Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Equifax Consumer Reporting agency.
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NJ)

they repossed my car after I made a deal with him, and they promisse because I am making a large long sum every month. but few days later they sayid they called on 2 numbers that I don't know where where they came from trying to reach when they have my cell number on file to thell they ned a payment. I forgot to nention the only option they gave me is to make the payments through them only
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (IL)

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I sales person from American Express called me and offered me a card that provided 3 % cash back on one type of item, 2 % back on another type and 1 % back on all other items. 
They said I would not actually get cash but would get points that I could spend like cash on XXXX or for purchasing gift cards. 

I was lead to beleive that XXXX XXXX was worth XXXX XXXX. I could buy a {$29.00} item for {$2900.00} points. That is simply not the case. I switched my bills from a true 1 % reward card with XXXX to this phony reward card and now I have to switch everything back. 

In addition, American Express does not have a way for you to verify they are awarding the points accurately. I could n't do it from my online account and customer service could not show my how. You are just told your total with no way to verify its accuracy.
Consumer complaint received 2018-01-24
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: Experian Information Solutions Inc. (GA)

In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
Consumer complaint received 2018-01-24
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. (GA)

In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (MD)

I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NV)

I received a debt collection letter in the mail from XXXX XXXX stating that I owe a debt of {$280.00}. The original creditor is XXXX. The account number is : XXXX. This debt does not belong to me! I am not responsible for payment for this debt, as I am a victim of identity theft and never ordered anything from this creditor. I am disputing this alleged debt. Where I live, there are about 16 apartments that have the same apartment number on it like I do of XXXX XXXX XXXXXXXX.There are different building numbers with the same apartment numbers on it. Like I mentioned before, I an not responsible for payment of this debt. I did not order anything from XXXX or XXXX XXXX. I have attached my police report I have filed and my FTC report stating that I am a victim of identity theft. I would like for XXXX XXXX to cease and desist collection efforts because this debt is not mine!
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greystone Alliance LLC (MD)

They call my dad and say it is XXXX XXXX calling because a formal legal complaint has been filed against me and if he or I do not call back that they will have to get the police involved to find me. I call their number, XXXX. I am my dad 's XXXX and with him all day. This caused unnecessary stress for us both. I called the number and it is XXXX XXXX. They are a collection agency that demands payment immediately by credit card or they threaten you with court and jail time telling you that you committed a crime. We had a call exactly like this 5 months ago where we reacted to the fear tactics and we paid off more than {$600.00} for a supposed pay day loan that I never took out. I will not pay another fear mongering debt collector for a charge that is bullied and not mine. I especially ca n't get past them trying to scare my dad with the way they leave their messages and try to pretend the person they are calling about is about to be arrested if not for immediate action. I honestly do not know if this is connected to the company I dealt with over the supposed payday loan months again but their tactics are identical. I ca n't help feeling they are the same company or connected to them. Please help put a stop to this type of fear and lie based calling of relatives.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

There has been a failure to reimburse escrow funds to the customer. 

After the sale of my home on XX/XX/XXXX Franklin American Mortgage owed me {$2200.00} as reimbursement for funds in escrow. According to my account online, two checks were made out to me one for {$32.00} ( written on XX/XX/XXXX ) and another for {$2200.00} ( written on XXXX XXXX, XXXX ). I have received the {$32.00} check but have n't received the {$2200.00} one even though the larger check was processed earlier. It is now well past the time that the company claims a customer should receive their refund ( 17 business days ). I have spoken to customer service representatives on the phone several times but keep getting conflicting information regarding when I can expect to receive my funds. One told me that I should receive a check within 7 to 10 days. Another told me that they have placed a stop payment on the check and it will take 14 days to re-process another check. I deem this poor and misinformed customer service. I have attached a copy of the {$2200.00} check that I downloaded from my account online ( but have n't yet received ). 

I would like to receive my check of {$2200.00}. I would also like the business to alter their guidance to customers on the timeline of escrow reimbursement. In this case, this timeline has been misleading.
Consumer complaint received 2018-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

I would like written documentation indicating who should be named on my Homeowner 's Insurance Policy as the Mortgagee. The company keeps telling me it should be Lakeview Loan Servicing, but they have been unwilling to provide evidence or written documentation to back up that statement. In addition, I have gotten statements over the past year from both Lakeview Loan Servicing and XXXX, so I am not sure which, if either of these two companies should be named as the Mortgagee in my homeowners insurance policy. When I dealt with this company this past summer requesting the removal of my PMI, they told me that the reason it took you over 60 days to respond to my request was due to the fact that they were just the loan servicer and could n't make any decisions themselves, which makes me wonder whether they should be named as the Mortgagee on my home owners insurance policy.

Further, I requested this information on XX/XX/XXXX and was told it would be sent that day. I never received this documentation. I have now waited over a month and have received nothing. This needs to be provided asap as I have an insurance check that I need to have endorsed in order to pay for repairs that I have paid for out of pocket that were covered by my insurance policy.

I have basically perfect credit. I am years ahead on my loan payments and still this company treats me like I do n't matter and am requesting something ridiculous. I have a contractual obligation under my mortgage to name my mortgagee on my homeowner 's insurance policy as the mortgagee, and this company can not provide me the basic assurances or evidence that would substantiate that I have the correct company named in my insurance policy so that I can be certain I am complying with my contractual obligations.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Check Recovery Bureau, Inc. (OH)

This is a a follow-up response to the following case number : XXXX. 


In regard to the response that the company responded with ( filled with falsehoods ), this person responding is not accurate and in the response, and is stating out-and-out lies. This organization has in fact, contacted me NUMEROUS times ( 6 times -- and the 1st conversation was recorded from my end, and the other 5 times I have copies of the message that was left ). I stated from the first conversation that I DID NOT WANT TO BE CONTACTED BY TELEPHONE OR AT MY JOB BY TELEPHONE ... .I also clearly stated THAT I WANTED VERIFICATION AND A PAPER DOCUMENT MAILED TO ME ... this XXXX XXXX responded " Why -- why do you need that?! I can email you something. '' However, no email was ever received. And according to the FDCPA, a verification must be sent by mail after the initial telephone contact. This person has contacted my distant relatives ( they have already filed a notarized statement for my attorney ) that clearly demonstrates they were contacted AFTER this disreputable company knew exactly where I lived and how to contact me. They were just calling distant relatives to intimidate and scare me. Finally, I HAVE RECORDINGS WHERE THESE BOTTOM FEEDERS imply legal action and such from the courthouse .... 

I will be pursuing this to the criminal and civil extent that I can. I am also in contact with ( 3 ) other parties who have been victimized by this disreputable company -- I found these other parties on other blogs complaining about this company and I reached out to them. UCRB better be prepared to be sued for the fullest extent that we are able. I have had enough. By the way, to date, I have received no email and no postal mail from UCRB validating the debt. I have indeed sent a CEASE and DESIST Letter and a Validation Letter.
Consumer complaint received 2018-01-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NJ)

XXXX XXXX filed a bankruptcy petition in XX/XX/XXXX. Listed private loan with Sallie Mae and the petition was signed on XX/XX/XXXX. Sallie Mae has been calling, harassing and threatening me with a lawsuit to recover the debt.

This has been occurring form the latter portion of XX/XX/XXXX until present time. More recently, they have charged off the loan. I am received harassing calls from Sallie Mae corporate indicating that if I do n't pay the balance by the end of XX/XX/XXXX, they will institute wage garnishment. I receive calls on a daily basis from XXXX XXXX XXXX from Sallie Mae Corporation phone number XXXX ext. XXXX. Presently I have a federal loan in the amount of {$96000.00} that I am repaying and I can not afford to enter into any type of arrangement of {$1000.00} down and monthly payments of over {$300.00} a month until the balance of {$3600.00} is paid. Nor can I settle the matter for an amount over amount of {$2500.00}. I am providing with this communication paperwork on they various unfair collections strategies of Sallie Mae following my bankruptcy petition.
Consumer complaint received 2018-01-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Utah System of Higher Education (CA)

I have sent the form to change the amount I pay multiple times, most recently I faxed the form with income verification on XXXX/XXXX/XXXX and XXXX has not responded to this or the two emails I sent about it. 

They incorrectly assessed my income based on one pay stub. I do not work the same hours every week so I do not make the same amount of money every two weeks, they should be basing my income on my tax statement. NO ONE WILL RESPOND to my request.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

OnXX/XX/XXXX an overdraft item fee of {$35.00} was processed stemming from a pending XXXX transaction in the amount of {$6.00} made on XXXX XXXX. In that same week on XX/XX/XXXX an XXXX XXXX XXXX withdrawal in the amount of {$10.00} was processed causing a second overdraft item fee of {$35.00} I called the customer service to see what resolution could be offered in the event the account had insufficient for the bank to refuse payment and reversal of the overdraft fees and was told neither could be done. Later in the week I went to the bank and asked why the bank could not deny transactions, I also pointed out that the alerts that I requested for transactions that bring the balance of the account under {$25.00} were coming after the account overdrafted and the fee was processed. I was told there was nothing they could do, but I could also try alerts for all transactions. This resolution has also proven to be ineffective in the most recent transaction on the account. 

Most recently on XX/XX/XXXX, an XXXX XXXX XXXX withdrawal was debited in the amount of {$10.00} and on the same day the overdraft item fee was processed.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (FL)

CoreLogic XXXX XXXX, XXXX XXXX, CA XXXX Toll-Free : XXXX XXXX XXXX XXXX, Local : XXXX XXXX XXXX XXXX. 
InXX/XX/XXXX/ XX/XX/XXXX, an attorney on my behalf contacted CoreLogic & provided documentation regarding a false report by CoreLogic, a 3rd party Credit reporting agency for " criminal history ''. The supervisor from CoreLogic assured my attorney & I over the phone that this would be removed. We provided proof the " XXXX XXXX XXXX '' was AMENDED TO A NON CRIMINAL OFFENSE OF XXXX XXXX, WHICH IS A DEGREE of " XXXX '' -not a criminal act &  as petty as XXXX. NOT A XXXX OR XXXX. FROM NJ-XXXX County, XXXX XXXX, NJ. Yet Core Logic Continues to refuse to allow me to email their legal dept with proof, they have no portal where I can upload the documents and they refuse to email me back stating they can only snail mail me! They provided XXXX which is merely a scripted emailbox & no real live person responds. I got a scripted email stating I'd get a memo from them in mail in 30 days after I disputed with this email address. NOTHING HAPPENED. This has been ongoing problems for years which has cost me thousands of dollars, affected my housing and my quality of life. this company should not force consumers to be on the phone for hours on hold then force consumers to provide them their soc sec NUMBER as a form of identification and other identifying data, opening them up for more fraud, and then if they can't answer their 'identifying ' questions, they are not helped. They need to have a better policy in place than 'snail ' mail & this horrible 'email ' address which does nothing as they are not answered by live people. Then consumers must wait 30 days for a snail mail letter. They should provide it via email.