davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I had a previous modification with Wells Fargo and was making payments on that modification for several years and remained current. The XXXX, the XXXX loan, was problem. I attempted to reach out to them to negotiate a payment plan. I had difficulty working with XXXX, getting a hold of them specifically, and they were unwilling to consider any type of payment plan outside of the entire note. I was n't even asked for my income for consideration for a modification, although, I could have afforded the loan in reasonable monthly payments. 
I prepared to borrow money to pay the entire note XXXX, and I could only get {$50000.00}. The XXXX representative informed both me and the money lender I had retained that they, XXXX XXXX, had a buyer for the note. At this time, the loan had not gone to foreclosure auction yet. 
I had filed for bankruptcy, but XXXX sold my XXXX loan at auction XX/XX/XXXX. Since I was in bankruptcy, the bankruptcy judge informed my lawyer that my lawyer had to get my property back. A 3rd party who purchased this note is currently being indicted for auction rigging. 
Recently, XXXX XXXX, my father, who is also on the loan, received a call that our Wells Fargo loan was all paid up. We confirmed this with XXXX XXXX 's office that another bank loan paid off the XXXX, effectively removing me from having anything to do with the property. 
I have now lost my home and my equity since Wells Fargo, despite several attempts to contact them, will not explain to me what happened.
Consumer complaint received 2015-07-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (NY)

RE : Error in Evaluation of Loan Modification of Loan # XXXX am the homeowner at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # XXXX by calculating the wrong monthly gross income as {$7000.00}. Because of this error RCS has rejected my Loan Mitigation Application. 

I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to XXXX XXXX XXXX back on XXXX/XXXX/2014 instead of using my current income. 

My correct current monthly income is $ XXXX. The basis of my correct income is attached. 

Kindly use the above to ask RCS to correct the error in the Loan Mitigation Application and reassess loan modification request based on my correct monthly income of $ XXXX/-Thank you. 

-- XXXX XXXX XXXX, XXXXcc : HAMP Solution Center, XXXXXXXXXXXX ( ID XXXX )
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received notification from Bank of America that my mortgage was increasing over {$400.00} per month due to the program Countrywide placed me and my ex husband on 10 years ago. When I inquired on options they placed me with the loss department advised me to contact bk and or foreclosure attorney and suggested a short sale. I have never been late on my payments and they are saying I need to proof a hardship. They are also stating they will not proceed with my request until my ex husband quit claims the property over to me first even though we have a divorce decree and I was awarded my home in 2008. When I asked why they can not record the deed at closing they stated investor guidelines require the quit claim first.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 'm not sure where this debt came from. I was an XXXX customer in 2010 I payed all my bills and returned the devices when my account ended. I checked on my credit report and saw that I had a claim from XXXX for {$320.00}. I do n't know where this collection came from.
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CT)

- XX/XX/2015 due to an XXXX condition I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the XXXX. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the first invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a second invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency Transworld Systems Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX XXXX XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about 20 min losing the call at the end with no respond.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

I received a XXXX credit card statement in late XXXX 2015. The balance on the statement was {$430.00}, with payment of {$25.00} due on XXXX XXXX, 2015. I was away on business travel at the time the payment was due, returning on XXXX XXXX. I paid the bill in full electronically on XXXX XXXX 2015. I then received a new bill for a {$25.00} penalty, then XXXX for {$50.00}. I now have a bill for {$120.00}. It is in no way fair to be penalizing me for paying off my balance 4 day past the payment due date. I asked the credit card company, CITI, to clear the penalties and they refused.
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (AR)

I lost my job about 4 years ago. I got behind on my mortgage with US Bank Home Mortgage. I went through all the steps to do a loan modification which was never granted. I am now trying to short sale my house and my house has been on the market since XXXX 2015. At the request of my relationship manager, I again prepared documents for loan modification in XXXX. During this time I never heard a word about the documents being approved. I left numerous voicemails and sent emails with no reply. Now my relationship manager, in XXXX, tells me he never received my paperwork. I provided the email where it was sent to him. He apologized and said I would have to prepare the paperwork AGAIN. During this conversation he begins to tell my that my house is in foreclosure which he has failed to tell me in the past when I have talked to him. US Bank sent their asset manager to my house to change the locks and make sure it is secure since I have moved out during this time. Now, it is for sale and I have a real estate agent who is showing the house and have an offer that has been submitted to US Bank. I check on the house about every week and XXXX day I go inside and the back door has been removed from the hinges and my stove is gone. All my cabinets have been gone through. My house was left unsecured for over a week. When I call my relationship manager, of course I have to leave a frantic voicemail about the house being unsecured and the stove missing. I was told that the reason the locks were changed was so that US Bank would know the house was secure. I got a return phone call 2 days later which I could not answer at the time because I was in a meeting at work. I have since returned the call with no response. My relationship manager is the WORST customer service rep I have ever dealt with. Since then I myself have fixed the back door and secured the house out of my own pocket.
Consumer complaint received 2015-07-07
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Bursey & Associates, P.C. (AZ)

Bursey & Associates acted as a debt collector for XXXX XXXX. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.
Consumer complaint received 2015-07-07
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Financial Asset management systems ( FAMS ) has steadfastedly refused to provide me a detailed balance statement on my account. In addition, FAMS does not have a contract with me to collect student loan payments from me. FAMS is engaging in illegal and abusive debt collection practices. The only rationale that I keep receiving on why my balance jumped from {$24000.00} to {$66000.00} is " interest. '' " Interest '' is not a sufficient explanation. I never received a detailed balance statement as to how this occurred and how this new balance was calculated. FAMS is trying to Collect on a balance that has not been shown to be correct which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS is engaging in unfair business practices. I have not been shown where my debt payments are being applied to. In addition, my credit report has not been updated to repayment status as I was originally told by FAMS. FAMS has repeatedly threatened me, and has engaged in abusive debt collection practices including hanging up on me and repeated threats that are in flagrant violation of the Fair Debt Collections Practices Act. Their lies regarding updating my credit report to repayment status after XXXX payments which never happened were flagrant violations of the Fair Debt Collections Practices Act.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

Residential Credit Solutions Inc took over the servicing of our loan from XXXX on XXXX/XXXX/15. They are overwhelming us with mail. We are on the unemployment program which they acknowledge but still send notice threatening us almost daily which i do not think is legal.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IN)

All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

The aes loan I am paying back has worked out a payment plan for me. Now they told me they can no longer help me out with a payment plan and I have to pay the full amount. How am I supposed to pay the full amount if I do n't have the money? I would would be able to pay half the full amount. Please help.
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Southern Management Systems Inc. (FL)

first time she called was very rude. she has called several times even on sunday has left my a ton of voicemail. I explained to her my financial situation. she said the apartments agreed to settle for XXXXand when I ask her to send me a letter stating that she gets very upset explaining to me that she cant do that, that I send money first than they take it off..
Consumer complaint received 2016-01-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: LTD Financial Services, L.P. (TX)

HOW DO YOU LIKE THIS -- I REQUESTED MULTIPLE TIMES FOR LTD FINANCIAL SERVICES, INC. TO CONTACT ME.  I WAS ONLY ABLE TO SPEAK TO A HUMAN ONCE WHO GAVE ME HER EMAIL ADDRESS.  I SENT HER THE REQUESTED DOCUMENTATION AND NEVER HEARD FROM THEM AGAIN.  THE MONTHLY BILLS STOPPED ALSO.  TODAY, I KNOW WHY!!  I RECEIVED XXXX XXXX ON BEHALF OF MY XXXX MOTHER TOTALLY ALMOST $XXXX.  THIS IS CRAZY AND ABUSIVE AND A COMPLETE RACKET.  NOW WITH THE XXXX ALLOWANCE THESE COLLECTION AGENCIES ARE XXXX PEOPLE.  I REALLY REALLY NEED HELP.  THANK YOU.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CO)

*I have applied for credit, last fall 2014, and was denied because Equifax claims they do not have any record of me. ( XXXX XXXX and XXXX both do. ) * ( Prior to this, in the summer, I mailed a copy of my driver 's license and a utility bill to verify my identity. ) *Since that time I have attempted XXXX other times, via automated telephone systems, to obtain my free annual, and each time have not received anything. 
*The last time, online ( today -- according to their personal verification system ) I was prompted to select from a list the bank that holds my mortgage. I do n't have a mortgage. 
*I hope for a response soon as I am left with no other recourse.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TN)

I bought a car from DriveTime on XX/XX/XXXX & have made every payment on-time since then. As of this date, XX/XX/XXXX, I have no record of these payments being reported on any of the XXXX main credit bureaus. One of the main selling points of DriveTime is they help you rebuild your credit & included in my closing paperwork is what is entitled Credit Reporting Notice which clearly states that they will report this account 's activity to all XXXX credit bureaus & my account number is claerly visable in the top right hand corner of the page. I have spent months calling the DriveTime Financing office to only get the run around ... one excuse after another I 've heard ... & even spoke with supervisors who seemed to really be on the matter after they reassured me that my credit would be reporting soon I backed off ... .only to discover that nothing has changed! As of this date XX/XX/XXXX I have made XXXX consecutive on-time payments to DriveTime wich is Not reflected on any of the XXXX major credit bureaus ... .as a matter of fact their is no record of my even having an account with DriveTime. For the record, my account number is XXXX. I will include supporting documents in this communication. Thanks for your assistance!
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have not been with XXXX XXXX XXXX for 7 years. I moved XXXX for a long time and they were told to disconnect before I left. When I moved back XXXX, I tried to get it resolved with XXXX and thought it was .... that was about 5 years ago. The collection companies just keep renewing it. It needs to be exponged from my record ... nothing is due, and I have not had service with them for 7 years.
Consumer complaint received 2015-07-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC. (TX)

On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After my small business failed the only option I had for a credit card for my new business was a secured card through Capital One. I signed up for this account, deposited {$2800.00} do bring my available credit line to the maximum {$3000.00} limit. My complaint is based on a recent transaction that was declined because I was three days late on my payment. There are plenty of funds on my account to cover this transaction. I have a payment scheduled for this account today three days passed by due date and yet they still decline my transaction. I feel that this is an unjust practice considering that I have available secured funds and that I 'm only three days past my due date - can somebody please tell me if this is an acceptable business practice?
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (IL)

HelloMy name is XXXX XXXX am account holder of Care Credit/Synchrony BankMy account number - XXXX XXXX XXXX XXXXThe Customer Service in this bank is the worst I 've ever know since I 've started to use the credit cards. 
So are the rules. 
My credit line was originally approved for $ XXXX always pay in a timely manner. 
Suddenly with absolutely no reason, I 've received the letter from the customer service, that my credit line was decreased a half! Till {$1500.00}! 
At that point I was in process to do expensive dental work, and relied on this available credit. 
As a result, I 've lost a great deal of money and was embarrassed in from of my doctor. 
Next nightmare I was experienced a few days ago, when I 've received my monthly bill. 
The bill looked as a letter from the mental hospital. 
The billing department stated that I 've paid my monthly charge in the amount of {$43.00}, but the next line says that I 've missed the payment???!!!!! 
As the result, they want me to pay TWICE the same amount that I 've already paid from my checking account ( as I always pay, every month ) + the late fee in the amount of {$38.00}!!!! 
When I 've call your customer service and asked what is it going on, I 've receive the idiotic answer, that my account did n't have enough money to pay it and the payment was not made. 
I verified with my XXXX XXXX XXXX customer service representative and realize that it was a bold lie from your customer service. 
On XXXX XXXX I 've received my regular XXXX check, and my account balance was over {$1500.00}. 
On the top of all this ridiculous unprofessional stupidity, your answering service is terrible. 
Please call and check. 
Any option you select, the machine says : '' I still do n't understand it! " Finally checking today the balance on my account, I understood that you need a good audit- Big Time! 
Your recording told me : '' Thank you for your payment of {$43.00} on XXXX XXXX. Your next payment is XXXX XXXX. 
Your minimum amount due is {$110.00}, since we did n't receive your XXXX XXXX payment!!!!!!!!!!!!!!!!!!!!! \So you have to pay for XXXX ( twice ) and XXXX + late fee!!!!!!!!!!!!!!!!!! 
I was unsuccessfully, trying today to reach you customer service representative, but in vain. 
Your answering service is a broken record, and did n't let me talk to the representative. 
I 've lost a great deal of time already because of this nonsense and not going to make any more payments, till you stop to bill me wrong and apologize for the all your wrongdoing to me. 
I am going to complain to XXXX, XXXX, XXXX, media etc. 
YOU ARE CHARGING THE TREMENDOUS PERCENTAGE FOR YOUR LOUSY SERVICES AND UNPROFESSIONAL PRESENTATION, SO YOU MUST BE HOLD ACCOUNTABLE, AND YOU WILL. 
XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX