davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

AMERISAVE DISPUTE : On XX/XX/2019, we spoke with a Loan Officer from Amerisave to refinance our home. We are retired military and were using a VA Streamline loan. We had two Loan Officers from two different companies giving us quotes at the time to include the Loan Officer from Amerisave. The other Loan Officer told us that we had to wait for six-months of payments on our existing loan before we could qualify to refinance ( we had just bought this home this year ). However, Amerisave told us that information was not true. He stated that he already had approval to refinance us now, already pre-qualified us, and that we would Close on our loan in approximately 30 days from the date of application.

He then asked for {$500.00} to ensure that we did not proceed with the other company so that he wasnt just wasting his time. We obliged. Two weeks before we were to Close on our loan, he contacted us by email - he didnt even have the professionalism to contact us by phone. He stated that he had to apologize because he could not close on our loan until we had six-months of payments. He said that he would hold the {$500.00} until months later when he could refinance our loan. That was totally unacceptable. That was the first thing we told him initially and he insisted that he already had approval to proceed at that time.

To us, the contract was voidable as he did not fulfill his end. We contacted our bank to dispute the charge. Today, months later, Amerisave provided our bank with a contract stating that the {$500.00} was non-refundable. They reversed the dispute and retrieved the money although they did not refinance our home. We have already refinanced our home with the company who told us the truth from the very beginning. What is our recourse? Recorded phone conversations can corroborate our case. Most importantly, Amerisave initially took the {$500.00} in July hours before sending us a contract stating it was Non-Refundable. We DID NOT receive that contract until we had already given him our debit card information based on his false information via phone. If we had received the contract prior, we would have seen that it was Non-Refundable and would not have proceeded or taken his word. Please help?
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this  Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this  account.
Consumer complaint received 2020-02-06
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: AES/PHEAA (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing ( SPS ) plans to conduct a foreclosure sale of our property in violation of 1024.41 ( g ) On XX/XX/2019 SPS wrongfully denied us loan modification/loss mitigation application and XX/XX/2019 appeal, while committing RESPA numerous violations. These RESPA violations remain uncorrected as of the date of this complaint. We will report these RESPA violations to SPS in separate Notices of Error for ease of tracking and legal reasons. Our complete RMA application was accepted by SPS more than 37 days before a foreclosure sale. Our appeal was timely submitted to SPS within 30 days of SPS loss mitigation decision. 
12 CFR 1024.41 ( g ) states : If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX-XXXX  regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD after receiving a copy of our QWR.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Verisk Analytics Inc (TX)

I am a victim of identity theft. My information was compromised when my wallet was lost containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MD)

Today I received notification from my bank that my mortgage loan servicer debited {$1300.00} from my checking account on XX/XX/XXXX. I did not authorize this payment and it is not showing up as a payment on my mortgage loan servicing account. I received no notification that they would me making this debit. I called the mortgage servicer, The Money Source, and they said they would look into it and get back to me by next Wednesday. This is an unacceptably long period of time to wait given that they took money out of my account without authorization.
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX ( {$420.00} ) and account # XXXX ( {$370.00} ) which you claim I owe. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

Be advised I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been receiving numerous phone calls from XXXX XXXX XXXX XXXX claiming to be the Litigation department for Capital One for a debt back to 2013 that is unpaid, threatening to garnish my wages, take me to court for an old debit I stopped paying to Capital One. Why isn't this on my credit report? They were trying to collect {$710.00}. What should I do about this?
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion several times to advise of multiple inaccuracies on my credit report. 
1. One of my accounts is showing a balance of XXXX and it should be XXXX. My credit card was stolen and the bank states that they updated the information with Transunion monthly and it hasn't been updated since XX/XX/2018. 
2. I sent in a request for validation of XXXX XXXX XXXX XXXX and never received a response that this debt was mine.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I requested that Experian verify the accuracy of a bankruptcy that is reporting on my credit report. Experian mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, Experian is not telling the truth. I will upload the letter I sent to Experian, the response from Experian, the opt out letter from XXXX, and information from the US banruptcy court stating that they do not report to credit agencies. Please investigate these violations.
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CO)

I have attached the email correspondence between me and the Property Manager ( XXXX XXXX XXXX XXXX ),  which will reveal my case/complaint. I am facing a severe financial hardship and living with my relative as I am unable to get an apartment because the Hunter Warfield Collection Agency has reported the debt to XXXX, XXXX XXXX etc. The Landlord wants to collect $ XXXX, based upon false allegations. 
For sake of XXXX, please help me. I was jobless since XX/XX/2019 till end of XX/XX/2019. 
I request you to please help me to get rid of this unnecessary burden. I have contacted the Property Manager to resolve this issue but she asked me to contact the collection agency. I have have contacted the Agency,  an agent by name XXXX XXXX  replied, she was very rude to me and was not ready to resolve this issue.
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ASSOCIATES has been calling me and harassing me non stop, they are disrespectful, they ask for my personal information which I will not provide because I have never done business with this company, I do not have a debt with this company. They don't even tell me for what such " debt '' they are calling me about. Very disrespectful and shady.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (DE)

I paid {$400000.00} for my home. US Bank is my mortgage provider. PMI is supposed to be cancelled automatically once the loan amount equals 78 % of the original purchase price ( {$310000.00} ). 

I looked at my statements and found my loan value dropped below that amount on my XXXX, XXXX statement ( {$310000.00} ), but Interest remained. I requested by phone why I still had Insurance deducted, and they said they would look into it. I received a response via mail on XX/XX/XXXX, stating that I had met the Loan to Original Value ratio requirement and have a good payment history, but in order to cancel PMI, I must pay them {$100.00} to perform a Broker 's Price Opinion ( BPO ). 

This is not required for automatic cancellation of PMI, only for requested cancellation ( at 80 % LTO ). 

I should not have had to pay PMI for this period of time and I should not have PMI charged now. The funds I would have had in my accounts or paying down Principal were in my mortgage lender 's possession, rather than mine, thus I have not been making interest on those funds or reducing the principal on my loan with them.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/2019 I emailed the bank to potentially change the due date for my payment. The Due date for the payment is XX/XX/2019. I emailed the bank due to horrible inbound customer service. The bank did not respond until XX/XX/2019. I asked for a change in due date of the XXXX of every month. They provided me with the following options XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I am very confused as to why they provide an option in the first place an not let a customer choose the date instead. I responded to the email on the XX/XX/2019 with the XXXX will be ok. On XX/XX/2019 they responded with an email saying that they could not accommodate my request. Not only could they not change my due date they are charging me a {$28.00} dollar late fee. I made an attempt to get the late fee waived but they are telling me I am not qualified for the waiver. Also, I made a payment on XX/XX/2019 after they told me that I could not get the late fee waived. I find that this bank is not willing to assist a good customer that is only attempting to avoid a late payment. I am very dissatisfied with this bank.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (NC)

I opened a checking account with MoneyLion on XX/XX/2019 to take part in their 'pave the wage campaign which offered a bonus of 17 % of your direct deposit ( Up To {$590.00} XXXX after opening an account, opting in and maintaining direct deposit for 90 days. I opted in through money lion app and have setup a direct deposit though my employer since then and has been receiving it in my MoneyLion account for last 5 months. Even though I have met the terms for bonus, I have not received it. So I called MoneyLion customer service on XX/XX/2019 about this and the agent verified that i have qualified and he is going to escalate this case to a supervisor. I did not hear back from MoneyLion for 3 weeks and so I called again today, on XX/XX/2019, and was told this case is still pending for escalation and they do not have an ETA on when this will be resolved and I will get my sign up bonus.Please look into it so that Money Lion will honor original terms of promotion.
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (WA)

This is a complaint re Wells Fargo Bank and their obstruction to my efforts to close my account with them. They earlier responded to a complaint I made to the Washington State Attorney General 's Office ( AGO ), saying they would waive fees and represented that an account can be closed in several ways. All of which clearly turns out is untrue. 

I have since made efforts in-person, online, and by phone to close the account, all without success. They simply direct you to go to a branch location. I went to the branch located at XXXX XXXX XXXX in XXXX today ( XX/XX/31 ) and AGAIN requested to close the account. I was given more run-around about processing cycles and that the account could not be closed until XX/XX/XXXX. I was also ( falsely ) told the account can be closed on line, and/or to call the same number I had earlier tried only to be told to go to the branch. 

It is a never-ending run-around while Wells Fargo assesses fees against the account each month. They have since charged me another {$60.00} in fees ( {$30.00} per month for XXXX and XXXX ) since promising to waive fees and close my account. I obtained a bank check for the balance of my account on XX/XX/31, but was given more excuses at that time about why the account couldn't be closed. 

Again, all I want is to close my account and the ADDITIONAL fees they have charged since I first made this complaint ( {$60.00} ). I have screen captures of the website showing that there is NO option for closing accounts online as I have been told. The telephone line tells you to go to the branch and the branch always has some reason why they can't close the account, i.e. processing cycle, system down, etc. ( and they send you back to the telephone line ). It is total nonsense.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft.  I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (AL)

In XXXX of 2020. A customer representative from XXXX XXXX XXXX contacted via telephone and informed me that I owed a debt to The XXXX XXXX XXXX XXXX  in XXXX, Al. He said I owed {$4200.00} and that it was illegal for me to just break my lease and leave. He talked about suing for the money owed. I explained to him that I turned in a 30 days notice to the leasing manager due to an unsafe environment. He asked why I left and I explained that the US MARSHALS kicked in my neighbors door. And we found out that it was because of drug activity and they were wanted on other felonies. It was a very unsafe environment and after finding that out I could no longer have my daughter living around that. I made my concerns known to the leasing manager on several occasions. And the people were still allowed to stay in the apartment. Which they were suppose to be barred from the premises. I continued to call the leasing manager and make my worries known. The customer service rep stated how I was in the wrong and continued to bagger me. Then a month later I get a notice in the mail from XXXX XXXX that I Wanted a dispute. And they sent me a copy of my lease.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Credit Corporation (WI)

I received a letter from The Avant Family on XX/XX/XXXX in which I had called because it stated I owed XXXX that was funded to me on XX/XX/XXXX. I had no idea what this was and had not taken any loans out. When I called they told me it was an online loan, they asked me for many things that I did not give to them, social security number, address, birthdate, and email address. I told Avant they sent me the letter they should have my address and I gave them the account number that was on the letter and that was all. I then asked them what email was associated with this loan that I did not take out? they told me they could not give that information to me. I figured at this point it was just a scam. In XXXX of XXXX I was in the middle of purchasing a building and the bank found I had profit loss on my account from Avant in the amount of {$14000.00}. I contacted XXXX XXXX and XXXX  to dispute this as it is not my debt and I had near perfect credit prior to this being on there. I got back from all three the same answer that it Remains and that it is accurate. I don't see how this is possible as I never took this loan out.