davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Trademark Management Solutions, LLC. (SC)

Trademark Management ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted XXXX ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. Trademark then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year 3 of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

I would like Well Fargo to explain to me why they have XXXX different prices for my home. This process has been on going for months. I believe they are stalling so that the XXXX HAFA incentive will no longer be applicable. The HAFA incentive expires at the end of this year. 
Here are the conflicting emails : From : XXXXXXXXXXXX Sent : Wed XX/XX/XXXX XXXX To : XXXXXXXXXXXX Subject : RE : XXXX XXXX XXXX XXXX XXXX We have received the appraisal and the adjusted counter amount is to a purchase price of {$730000.00}. Please submit the buyer 's highest and best offer by the end of this week. 
*** Please fax all documents to XXXX and ensure that the borrower 's loan number is included with your submission. *** Thanks, XXXX XXXX Loan Adjustor -HAFA Negotiator Default Decisioning | Short Sales - Private | XXXX XXXX | XXXX XXXX , IA XXXX XXXX XXXX XXXXXXXXXXXX Hello XXXX, I have received the following email from WF today : A review of this file has completed and a Notice of Short Sale has been issued. If you obtain a new offer meeting the required minimum net proceeds as shown in the Notification of Short Sale ( NOSS ) agreement, please submit the fully executed purchase agreement and HUD-1 in order to continue the review. 

LIST PRICE GUIDANCE : {$760000.00} NOSS EXPIRATION DATE : XXXX/XXXX/XXXX Any short sale offer may require Investor or Mortgage Insurer approval. 
In order to move forward with the short sale process, a new offer meeting the required MNSP must be received by the expiration of the NOSS. 
Please fax all offer documents into XXXX and ensure the borrower 's loan number is included with your submission. 

Wells Fargo has shown us all how corrupt they are. When is something going to be done about it??? I have a payoff number. Why does Wells Fargo just use that?? They are insisting on a higher payment. Why?? Who is that going to benefit?? Wells Fargo has supposedly has been given XXXX dollars from out government to HELP- So far I have received NONE. What are they doing with all that money??? 
I am a victim of the XX/XX/XXXX pick a payment predatory loans. After almost 10 years of mortgage payments my loan is now more then XXXX over what the original loan was back in XX/XX/XXXX. 
I was denied modification and any help back in XX/XX/XXXX/XX/XX/XXXX when I was struggling with the balloning monthly mortgage payments. I want justice and I want it NOW!!!
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing , LLC requested proof of insurance in XXXX XXXX and it was Faxed to them. It was also verified that they received it. They made another request saying they did not have it in XXXX XXXX. It was again Faxed on the XXXX of XXXX XXXX and the confirmation faxed number is XXXX and XXXX at Ocwen Loan Servicing verified that they had received it. Then on XXXX XXXX, XXXX received another letter saying I needed to send proof. I then contacted the XXXX XXXX XXXX XXXX and they sent verification to Ocwen Loan Servicing on XXXX XXXX. Inspite of all these verifications Ocwen Loan Servicing put additional insurance on my condominium and charged me and additional {$180.00} dollars a month since XXXX XXXX. Their policy cost {$670.00} dollars which I have paid and they are still collecting {$180.00} dolllars monthy above the mortgage payment. I was advised by my attorney to contact you
Consumer complaint received 2016-10-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I opened a citigold account with a promotional offer to get XXXX American airlines miles by satisfying the following requirements : spend {$1000.00} on debit card, 2 consecutive months e bill pay within 90 days and maintain balance of {$50000.00} in the account. These requirements were met in XXXX 2016 and they assured me that I would receive my miles by XXXX 2016. I have still not received these miles
Consumer complaint received 2017-02-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (FL)

Gold Key Credit submitted a debt that belongs to a person with similar name as mine, but shows a different address. It reported my address as being the debtor even though Gold Key Credit shows a different address on the debt. It was placed on my credit file report.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX, I filed a complaint against Experian because I noticed several unauthorized inquiries on my credit report. I also DEMANDED that Experian investigate and show proof of verification. On Today, I received a response from Experian claiming those inquiries were verified, but I wasnt send proof of how they were verified. Im aware of my rights and according to FCRA, inaccurate and unauthorized information should NOT be on my credit report. Experian must show me proof of what they used to verify these inquiries or REMOVE them immediately. I have rights to be allowed to see the proof of verification and if there isnt any then these inquiries should be REMOVED. You must be able to prove that these inquiries are valid. I feel as though my rights have been violated because there are inquiries on my credit that simply does not belong to me therefore, they should be REMOVED. I have a fraud alert on my credit report, so I shouldve been contacted about these inquiries but I wasnt. The inquiries needed to be removed are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-09-24
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK (TX)

My account has been paid off since XX/XX/XXXX, Midland is giving the runaround concerning my escrow surplus which is XXXX or so, I have contacted them 6 times, on my transaction history says my refund was sent XX/XX/XXXX, the last time I contacted them they told me my refund was going to be sent XX/XX/XXXX, I think they are trying to keep it as long as possible, I will be waiting for a response. Thank You
Consumer complaint received 2016-06-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (HI)

I am a Mortgage broker and have been work with a family that owns a home on Hawaiian Home Lands. The own the lease, and have a great need to refinance. Their current rate is 6.74 %. 
XXXX and XXXX XXXX have never been 30 days late in paying their mortgage to XXXX XXXX XXXX since XXXX. However, the mortgage was sold to Penny Mac on XXXX XXXX XXXX. You can see the print out from Penny Mac showing a late fee of {$1100.00}. How can this be late when no notice was served?. Attached are copies of checks of payment for the months of XXXX, XXXX XXXX showing all payment to XXXX XXXX XXXX were paid on time. Once the mortgage was sold to Penny Mac everything went sideways. The first payment to Penny Mac show a last fee of {$1100.00} but was never reported late? Attached is a print out from their account with Penny Mac which shows all their payments. 

A late payment ( greater than 30 days ) was reported on XXXX XXXX. That month the payment increased from {$2900.00} to {$2900.00} without prior notice. In XXXX XXXX, they accidentally paid the old payment of {$2900.00}. However, they paid the difference by the end of the month. How can this be thirty days late? We need your help! My clients have called Penny Mac many times and have had no results. WE want to have the late payment removed from the XXXX credit report ASAP. Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (NV)

Moved from XXXX XXXX, XXXX to XXXX, XXXX XX/XX/XXXX. Cancelled my XXXX ( internet ) # XXXX but for some reason the account was not cancelled as I requested and XXXX kept withdrawing from my auto payment from XX/XX/XXXX to XX/XX/XXXX. I started calling in XX/XX/XXXX to XX/XX/XXXX to complain. 
Nobody could help me until XXXX XXXX supervisor in XXXX transferred and credited the {$420.00} from the original XXXX account to my new XXXX acct # XXXX. 
Today, XX/XX/XXXX, I got a debt collection from Sunrise Credit through the US Mail stating that I owed them {$420.00} from old account. 
Talked to sunrise credit company and XXXX, even went to the store, but nobody seems to be able to help me. 
I called 13 times to XXXX, but still ... nobody seems to be able to handle my case. Their cust service agent created XXXX cases before, but nobody ever followed up and every time I have to repeat my story without any recourse of talking to talking to their manager / supervisor, because of their PROTOCOL. 
Last conversation with their billing dept, lady with ID XXXX, she has to create a new case # XXXX. 
Just FYI, I had been talking to Cust service dept, Retention Dept, Billing Dept in US or in XXXX but so far no luck.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NY)

I received the best buy credit card with zero interest for 24 months. I paid most of it but did not realize it ended. All of a sudden they add {$800.00} to my account. Saying I missed the deadline. I asked how much did I owe. They said XXXX dollars. So they told me they will remove it if I pay the XXXX dollar which I paid immediately. They said this is a one time lifetime courtesy. They said 2 billing cycles to apply. Today I call up and I am told that I have to pay. No one informed me and I saw the whole card of what I owe is the extra interest. I asked why. They said the request was rejected to remove the XXXX dollars. So I asked why did they tell me it was a one time occurrence and have me pay XXXX dollars if they were not going to do it? They just refused. I think it is unfair. I think I was misled and basically told to bad you have to pay. I just feel I did n't pay XXXX dollars and they charge me XXXX is horrible. so I feel mislead.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is Equifax. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to Equifax and they still have failed to properly investigate and remove these accounts : XXXX XXXX Bank ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX  XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.
Consumer complaint received 2016-09-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (NM)

I have a debt on my credit score from cavalry port. I have no idea who this is for or where it is from. There is another one in my credit report from XXXX. Which is another one that I have not received any letters from them. I have recieved 2 calls from cavalry port saying they are going to take legal action against me. And I 'm assuming they do n't have anything to prove that the debt is actually mine.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (FL)

I had submitted a deferment, and forbearance application which had been approved to a company named Nelnet. After it was approved my loan was " transferred '' to another loan servicing company named XXXX which in turn had not registered my loan. They reported me defaulted, which in turn off set my taxes for XX/XX/XXXX-XX/XX/XXXX. When I contacted Nelnet XX/XX/XXXX, they stated that they are no longer responsible for my loans nor what they reported to the credit bureaus.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2016 spoke to the compliance officer about being charged excess fees. He assured me that they could not refund my and he did not know when the investigation would end. So, in order for me not incur any more overdraft fees. I stopped payment on XXXX accounts. A stop payment fee was applied and they deducted also XXXX dollars for the stop payment. The bank did not stop the payment nor did the refund my fee.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is XXXX. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to XXXX and they still have failed to properly investigate and remove these accounts : XXXX XXXX XXXX ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma (MD)

If what I 'm addressing is not considered a valid " complaint '', I certainly would like for you to explain why and what actions I can take to change this reporting. Yes, I filed Chapter XXXX Bankruptcy in XXXX XXXX and was discharged in XXXX XXXX and yes, I did include my mortgage company XXXX based on my attorney 's request for documentation on ALL monies owed. He said I would be able to " keep '' my condo and I was within the law to do so. What I do n't like is my credit report is showing this account as " included in bankruptcy '', which is correct, but my account with XXXX as " closed '' which is incorrect, thus nothing is being reported pertaining to my mortgage payments. I have never been late on any mortgage payments nor have I ever missed a payment and this is not the first property I 've owned. Regardless of whether the " law '' requires it to be reported this way, it should also be required to report that " this owner continues to pay her mortgage in a timely manner '' and the mortgage company should be reporting this to them just as they would, I 'm sure, if I were a day late. This irritates me, because my report reads to me as if I am a consumer who has gotten away with paying my mortgage. Maybe by Bankruptcy Law it is true that " by law '' I no longer owe this debt, but this is an FHA backed loan and I am a somewhat intelligent XXXX year old senior, who has absolutely no intentions of " leaving her home '' nor stiffing FHA. If I would have been told by my attorney that I would lose my Condo, I would have told him " well, we can forget the bankruptcy, and the credit card companies, and those I owed medical expenses to for myself and veterinarian bills after my dog who had to have XXXX in XXXX, would just have to sue me in court, because I would not put myself out on the street. Once again I say, if that is the way the laws are written and reported where Bankruptcy is concerned, then I 'm asking you to inform me as to what I can do to get my true record reported, as it stood then and still does today, also reported on my credit report at the same intervals they were reported previously by the mortgage company. I 'm not asking that the record of Bankruptcy be removed, that 's a matter of public record, but I am asking that how I continue to pay my obligation be reported as " true '' credit reporting.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

What. I bought a Ford focus thru santander in XXXX XX/XX/XXXXthru my car dealer. Then the car was in accident XXXX XX/XX/XXXX and was totalled. The insurance PAID the car off in full. The car dealer returned my service contract money to them also. So they received over XXXX. They accepted the payoff. I have all copies of the insurance paperwork. Well now santander had turned it over to not XXXX but XXXX collection agencies. Nib management. And also Denville management. Ncb management is saying XXXX is owe and deville management says XXXX. That 's crazy it was paid off XXXX XXXX. Every thing is paid off but yet these companies. Santander and there XXXX collections agencies are down ng illegal practices. Please remove for all XXXX credit bureaus. Thank you
Consumer complaint received 2016-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (LA)

XX/XX/XXXX my rate reduction plan was extended. This was confirmed after an extensive financial information check by Navient with myself and my consigner. I received a verbal approval from both the representative and their manager plus was given a confirmation number. I verified my banking info and was checking the correct amount came out my account each month since then. Per the conversation in XX/XX/XXXX this plan was set to last 15 months. 
Today, my consigner 's wife informed me Navient called. I called to check in and make sure everything was all set and was told my account was delinquent. I verified my info and the collections department told me my plan back in XX/XX/XXXX had been denied, but I had not need contacted and they had continued to take out the agreed upon amount. I asked to be connected to be connected to the rate reduction plan line and the 90 day delinquency department refused. They told me I must pay the amount they ensured me I was unable to pay months earlier. I was told someone was supposed to follow up with me but never did. They had no documentation on why I was denied or why I was not contacted.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I experienced identity theft and notified XXXX XXXX, Macy 's, XXXX, Citi and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, Macy 's and Citi claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.