davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

. I have been trying to work with Wells Fargo since XX/XX/XXXX to modify my mortgage loan and it appears their underwriters can not connect the dots to get this completed. I 've applied several times for assistance, but I 've run into problems each and every time. My last single point of contact told me that my mortgage loan qualifies for the National Settlement Program and I have accommodated Wells Fargo 's every request for the last two years. The person underwriting my file denied me for the program in XXXX without a solid written reason. How can Wells Fargo allow a person who lacks common sense have so much power over my loan and destroy my life by taking away my home? Wells Fargo unjustly denied me access to government programs designed to help homeowners and it feels like there is nothing I can do. 

Since that denial, I 've continued to try to get help and went through the rollercoaster process of sending in information over and over again and being given false hope. Every time I did exactly what they said to a tee, but I feel they never properly reviewed my mortgage loan for assistance and have been playing games with something that is so important to me. I have submitted every document that has been requested ( multiple times ) and they still require more. I continue to get collection letters mailed to me every other day and also receive harassing phone calls on both my home and cell phone not only during business hours, but also at night. If they would put as much effort into reviewing my loan for a modification as they do harassing me to " collect a debt '', this issue would be resolved. But instead they continue with the foreclosure process instead of properly reviewing my loan for help ... is n't that dual tracking and considered illegal? 

It has been such a frustrating and stressful experience that was totally unnecessary. I am able to make my mortgage payment, but they will not accept it. They want to steal my house!!! Initially, I had hope that Wells Fargo cared about their clients, but it is clear they have no interest in helping me. It 's not fair for a XXXX like me to go through so much stress and eventually lose my home. I would be forever grateful for any assistance you could provide to get them to speak with me regarding my loan and hopefully save me from losing my home.
Consumer complaint received 2015-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is notorious for re-ordering transactions to drive up overdraft fees. 
I made a transaction on Tuesday evening ( XXXX XXXX ) at a restaurant for roughly {$10.00}. Dropping my balance to {$57.00}. The next day I woke up, my account was negative {$170.00} dollars. They re-ordered a {$150.00} charge to the beginning of the month causing my account to overdraft XXXX times ( {$100.00} ). Bank of America has a policy that if your bank goes into the negative, you have until the end of business to get it back positive before they charge you an overdraft fee. My account should have been negative roughly {$100.00}, in which I would have transferred the money over. They refused to remove the overdraft charges when I had called. This is a predatory practice. Had the bank not done this, I would not have been charged ANY overdraft fees. Instead, they used predatory practices to take {$100.00} dollars from me. 

This practice should be illegal.
Consumer complaint received 2015-11-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (IL)

we have had XXXX XXXX as our lender on our first and second mortgage for over 20 years about 2 years ago they sold both our first and second mortgage to a company called Statebridge Co. in Colorado we made our payments on time and then the first week of XXXX we got a letter that the said the mortgage had matured and that we had untill- XXXX XXXX to pay {$320000.00} in full or they will foreclose on our property we have tried refi with them but they wont listen at all any help would be nice also they had both our mortgages but about a month ago the sold our XXXX mortgage to XXXX servicing about 3 weeks ago. We need some help they are totally uncooperative
Consumer complaint received 2015-08-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DFC Global Corp. (CA)

XXXX is my original complaint number I 've done my homework and believe that money mart should have only charged me XXXX dollar to cash my check not over XXXX $ the reason is because with settlement checks the state wants us to get full benefit from compensation that 's one reason why they do n't tax us, no I want reimbursement in full today
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Conn's, Inc. (TX)

I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, there were inquiries that had been placed on my file, from several companies in which I had n't applied for any credit. This company is Conn 's Credit. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. Conn 's received the letter by fax on XXXX XXXX, 2015 and to date, I have not received any correspondence from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
Consumer complaint received 2015-08-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KS)

Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made after this
Consumer complaint received 2015-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

In 2014, my initial mtg servicer, extended a modification for my loan, which was approved and executed XX/XX/XXXX. The title company of my home decided to make changes of servicer from which I never received any notification. My mortgage was being paid directly to the Title owner of the company until the bank rejected the third payment. That is when I found out about LoanCare who is the new Servicer. During my conversation with them, they supported me via email with the actual mortgage amount that I was suppose to be paying, I challenged the amount even though it was in my favor, because it was n't what I had modified my mortgage to. They are not accepting my modification, they are forcing me to pay the higher amount they are assigning to me and they have send my files to the attorney without any written notice. I have a large amount of emails from the the title that my mortgage was even lesser than my modification. Yet trying to be honest, I challenged the amount that was {$300.00} dollars less. I had {$7500.00} in escrow and because they are claiming that my mortgage was short. they have decided to send me to their foreclosure attorney. I have till XXXX XXXX to pay an exuberant amount of money based on the mortgage they assigned to me vs my executed modification and they also returned back to me {$6000.00} of funds that were sitting in escrow and only applied the {$1500.00} on XXXX XXXX which happens to be the amount they claim is short to begin with. So they are not accepting my modification, but they applied the funds that were left in escrow. I do n't want to loose my home on the fact of {$3000.00}, or less due to a severe clerical and unjust error from their end, I feel as if this is almost fraudulent or a scam from their behalf. I do hold an executed modification and my time is ticking with the opposing counsel.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alternative Revenue Systems, Inc (IL)

Today, I called alternative revenue service about settling my debt that I had with them for 15 % of what was owed after paying for the past XXXX months. The woman I spoke with was XXXX, she informed me that she could do it. I explained to her that this debt would be removed from my credit in the next XXXX months, and she informed me that the statue of limitations started over when I made the XXXX payment because of IL law on debt collection. I was n't told that the beginning when I made arrange to make payment. I was also told that I could be sued because the statute of limitations. I think that she told me this information to scare me into paying off the debt or neglected to tell me about the statue of limitations in the beginning in order for to XXXX me into something that I did n't know about.
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (FL)

I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.
Consumer complaint received 2015-10-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MSW Capital, LLC (OH)

I had a credit card debt that was closed. MSW Capital bought the closed account and used XXXX XXXX XXXX XXXX to collect. XXXX contacted me to start a payment plan. I was told that the debt was paid. However, MSW Capital, blindly, set up an interest on the closed account. I have tried to contact MSW Capital for 3 months. I was contacted once by MSW by XXXX XXXX. He told me that it was unusual to charge interest. He said he was going to look into the contract. He never contacted me back. I have made complaints with the XXXX, but it was unresolved. I just want my credit corrected and stop making payments. I have made a $ XXXX monthly payment for 3 years. I am an XXXX soldier with a security clearance. I do n't my renewed clearance jeopardized by this issue. MSW Capital had no right in buying my account, charging interest, and use a third party collector to collect on the account, without my consent.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-12-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MD)

First I started to get calls from a strange XXXX number I did not recognize. When the caller finally left a message it stated I owed a past debt that has already been settled. This shocked and frustrated me as I had finished a debt consolidation service two years back and was being careful with my current finances. I still have my debt consolidation paperwork and have access to past bank statements. I blocked the company 's number from my phone. I have since gotten a letter in the mail from the same company saying thank you for my " recent payment '' and to pay the current past debt balance. I have not made any payment to these people and I am mad that they even know I own the past account they are trying to collect off of. I get a sense this is fraud. I originally settled this account ( Chase Bank USA ) through XXXX back in 2014. The debt agency settled with XXXX XXXX XXXX XXXX XXXX who was the owner of the debt.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, This letter is a formal that you are reporting inaccurate and incomplete credit information on my TransUnion Credit report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following be validated or DELETED immediately : XXXX. XXXX XXXX XXXX Under the law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter serves as a final demand for the immediate removal of the inaccurate and unverified negative items currently reported on my credit file. Despite multiple disputes submitted under the Fair Credit Reporting Act ( FCRA ) 611, no proper investigation has been conducted, and these erroneous collections persist on my report.
Consumer complaint received 2015-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I contacted XXXX XXXX to discuss my student loan. The payments they are requesting are unreasonable. I am unemployed and my mom has been supporting me for the last 90 days. The rep I spoke with XXXX became very rude with me and threatened to disconnect the call because I could n't not make my payment. She requested to speak with my consigned I advised her that she is not able to talk she then put her supervisor on the phone who claims he is the only manager in the department. He stated to me that it looks like we can pay because based on my moms credit it does not look like she is struggling. He then became very rude I asked him if I paid XXXX would my loan still default he said yes because I did n't make a payment of {$120.00}. Please help this is my XXXX CFPB complaint
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SCAM ARTIST - Specialized Loan Servicing , LLC XXXX XXXX XXXX, XXXX, CO XXXX - DEBT COLLECTOR, as printed on their Notice ; XXXX XXXX XXXX, XXXX. 

Received today a Notice dated XXXX/XXXX/XXXX " purportedly '' from XXXX XXXX XXXX XXXX advising of service transfer of an alleged loan to this company, but payments to be remitted to a GA address effective XXXX/XXXX/XXXX - P.O. XXXX XXXX XXXX, GA XXXX. SCAM artist collecting for an alleged account that has already been closed in XXXX, and reflected as such in Credit Bureaus. Additionally, the following are marks of intentional misrepresentation and considered Fraud under 15USC 1692e:1. Notice says : " this communication is provided..with regard to our secured lien on the above referenced property '' ... If they are " purporting to be a servicer '' - they can not be the owner of a lien - 15USC 1641f1-f2, albeit alleged account is already closed. 

2. Notice itself bears an XXXX letterhead - but only a photocopy- not original. Also, XXXX 's address XXXX, IA - has been replaced with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ). 

3. Notice does not indicate alleged account 's principal balance. 

The facts - account has closed in XXXX ; XXXX made an illegal attempt to collect in XXXX but after failed Debt Validation which involved CFPB, XXXX Office in CA and XXXX 's XXXX XXXX - Office of Consumer Ombudsman for XXXX - XXXX issued a letter advising XXXX to disregard XXXX 's collection letter. XXXX XXXX XXXX was also hired by XXXX to illegally attempt to collect - but could not validate alleged debt - and has since STOPPED further collection efforts after a Cease and Desist was issued on XXXX XXXX. 

FTC Complaint was filed today XXXX/XXXX/XXXX - reference number XXXX. A Debt Validation will also be issued shortly to this Specialized Loan Servicing , LLC. 

Thank you for helping investigate and enforcing the authority of your Offices to STOP fraudulent and unfair debt collection practices that hurt US Consumers.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year> I requested XXXX, Transunion and XXXX to investigate the XXXX XXXX XXXX account on my credit report for innacuracies as well as the XXXX XXXX and the XXXX XXXX accounts for innacurracies. These accounts are all reporting innacurate information and need to be corrected/ removed. I requested proof of the late payment from the creditor to validate the items. I have not received response from any of the bureaus. XXXX requesting this innacurate item to be removed from my credit report.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MA)

I filed for a loan modification with Wells Fargo Home Mortgage XX/XX/XXXX. I was assigned a " Home Preservation Specialist '' XXXX. I hired attorney XXXX office to represent me in the process because. XX/XX/XXXX I received paperwork for a trial modification. In the paperwork, it did n't state whether through the modification my rate would be adjustable or fixed. My mortgage had been adjustable. I told my attorney that I would not sign a modification that was still adjustable just for my payments to balloon and get in trouble again. My attorney 's office spoke to XXXX ( they had third party authorization and XXXX would not speak to me ) and assured me that XXXX told them it would be fixed. So, I signed for the trial hamp. In the process of finalizing the trial, I had issues with my lawyer 's office taking care of what I requested. In fact, right before signing the trial hamp, my lawyer 's rep told me that I should speak to XXXX myself about questions I had. Because of this, I wanted to fire them. I lost faith in them and tried to speak to XXXX 's office again and they said I had to send them a letter stating my lawyer no longer represented me which I did. After doing so, I was nervous about the final modification and needing another lawyer to finish. I spoke to XXXX 's manager who assured me a lawyer was n't necessary. He said he handled about XXXX modifcations and only about XXXX had lawyers. So, I did not seek another attorney. When the final modification paperwork was on it 's way in the mail, XXXX called me to tell me that I would get a copy for myself and a notary would come to my house to have my wife and I sign it. When I got my copy and before signing, I noticed that it did n't state it was a fixed interest rate loan. I called Wells Fargo to speak to XXXX before the notary arrived. XXXX was n't available at the time but another home preservation specialist asked if they could help. I said I was assured by my lawyer that she spoke to XXXX and the rate would be fixed for the remaining payments. I wo n't sign if it is n't fixed. He said he would check and had me on hold for about 10 minutes. When he came back on he said he spoke to his supervisor and they can assure me it will be fixed. So I signed with the notary and assumed all would be fine. Then I got a letter a couple months ago saying my interest rate would be changing XX/XX/XXXX. I called Wells Fargo and spent over an hour over a couple days being transferred around. Finally, they said they said they see records on their end of telling me my loan would be fixed but sorry, that is n't the case. They opened up an investigation and after weeks, someone from Wells Fargo called me to tell me, yes they told me that it would be fixed but it is not. That is not what I signed. I told him that they fraudulently got me to sign the mod and I would be filing complaints. " Anything else I can be of help with you with? '' he said? What now?
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AR)

My wife and I applied for a construction loan last year and when our credit was pulled it showed that I was an Authorized signer on her credit card account with Citi. We have called multiple times, faxed letters requesting that they remove there false reporting 's from my credit. I started this in XX/XX/XXXX and in XX/XX/XXXX they agreed to remove me as Authorized signer, but will not fix my credit. I have never had a credit card with Citi and would really appreciate it if you could resolve this problem. I give you permission to contact my wife XXXX XXXX in this matter as it is easier for her to receive calls and emails due to her work.