davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (VA)

In XXXX XXXX, my then husband and I refinanced our home and Everbank was the second mortgage interest only loan. After we divorced, I kept the home but due to illness and other circumstances I experienced financial hardship and fell behind on my first mortgage. In XXXX, I received a XXXX but only on my 1st mortgage. Last year, I got behind on the Everhome mortgage and a representative called me to set up a modification. She offered me a payment of {$320.00} a month. I told her I could n't afford it and then she offered a payment of {$230.00} a month with zero interest for 5 years. I completed the paperwork, emailed it back, and started making my payments in XXXX XXXX. The issues : Everbank is reporting this account to the credit bureaus as a closed delinquent account which is having a negative effect on my credit. Also, Everbank is not reporting my on time payments to the credit bureaus. I called Everbank to have them correct these issues. I was told by a representative that Everbank will not change this to an open account on my credit report and that Everbank does not report monthly payments to the credit bureaus once they have closed accounts because it is better for me. Because if they do it will make the delinquent information remain on my account for 10 years longer. Also, I do not receive monthly statements from Everbank. I was told by the Everbank representative that it is their policy to not send monthly statements to those whose accounts have been closed. However, I was informed that I can go online and log in to see my balance.
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SECURITY FINANCE CORP (ID)

I recieved a letter in the mail 3 months ago and when I Opened it there was a completely legit looking check made out to me for XXXX dollars. I have never talked to this company by any means and never prequalified with them as I am not originally from this state..I honestly was broke when I recieved this check so I went to the check cashing place to see if I could cash a random piece of paper with my name on it from Maverick Finance Funny enough it got cashed. Now apparently, I am there debt XXXX for a year and never initiated this relationship in any way. Yes I 'm the dumb one to cash it but what does any poor guy do when they get a check for {$1000.00}? The is Predatory to a T. Honestly I am not good with financial decisions, so I had my address opted out before this happened. How do these people know I 'm that XXXX who will cash this? Where did they get my addres? I had been signed up for OPT out before this came..is XXXX just selling everybody 's secrets Or now if you have an impulsive personality XXXX XXXX algorithm detects this and sends this loser company a list of down and outs trying to not make stupid life decisions anymore. If this XXXX is legal that 's crazy. It is comparable to sending a junkie who has been clean for a year a little bag of XXXX in the mail. He did n't ask for that envelope to come his way, but most addicts honestly are n't throwing it away. . I need to know if this is legal for them without checking to see If I am even working or if I am even capable of paying the amount. What if I worked a min wage job? I have made a few payments and now I 'm broke every payday. I receive calls constantly and have several saved calls as they are not supposed to call me or my work. - The company name is Maverick Finance in XXXX, ID - Weird thing is I think there was a different company on the mail I received but no clue. They were not listed the same I do remember that - My Name is XXXX XXXX. I tried to pay this debt back but after thinking about how this never would of happened if not for opening some random mail ... I want to know if they really are allowed to mail me a check, then patiently wait until I, the XXXX algorithm rated XXXX cashes it? XXXX XXXX XXXX Oh yea, my phone number is a California based number, .. the first time they called the lady said she was not allowed to call California numbers but I do n't think they really give a XXXX when in comes to legality. It 's whatever and thought that was weird, I live in XXXX ID If this debt is valid and legal I will pay but I ca n't afford the monthly payment of {$130.00}. My question is how do they know my address/ my compulsive problem/ all my work info/ this is a scary form of advertising. Please let me know if I am actually obligated to pay or is this something that is not legally allowed. I know calling me is n't legal and I have all conversations Saved.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-12-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I am making a complaint about Wells Fargo. I bank through Wells Fargo and wrongfully receive statements through the mail that contain my name, address, and account numbers. Although account numbers are XXXX out at the top, they are written in full at the bottom of the document. There are not proper safeguards around my account information because mail can be easily stolen. My credit card information is frequently hacked and I believe this may be part of the issue. Additionally, I have opted out of mailed statements ( they should be online only ), but Wells Fargo continues to send me statements by mail.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (TX)

I received a credit card with a {$10000.00} line of credit from Santander Bank. I did not apply or ask for this card, and have no financial relationship with Santander. I have now spoken to three people at this company, and thus far no one has been able to tell me they have closed this card. They have personal information about me that I did not provide to them, like my social security number, date of birth, and address. I want them to 1 ) tell me how this card request was made and how they received all my personal information, and 2 ) assure me that this account has been closed.
Consumer complaint received 2016-12-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

I think that I have been charged the {$35.00} dollars on the overdraft fees constantly. Some of the account are paid, but mostly keep getting charged the {$35.00} dollars for not having enough money on my account. Some of this accounts, I have n't given them any permission to be charging my account and I still keep getting charged for It. As of right know I owe the bank more than {$500.00} to {$600.00} dollars or more on this fees. XXXX that the Bank would give me credit on this fees, so I could get back to normal status.
Consumer complaint received 2016-11-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MD)

My husband and I purchased XXXX properties for use as a warehouse and a showroom for his flooring company in XX/XX/XXXX A few months after purchasing the second property, the recession occurred which resulted in the company going into default with the mortgage payment. The lender is M and T Bank. An attorney who we had hired to advise on the matter, advised us to sell the properties by short sale as this would resolve the issue with the amount owed to the bank. We sent a copy of the short sale documents to the attorney and he advised us to proceed with the short sales. In XX/XX/XXXX we began receiving notices from M and T Bank stating we were owing approximately {$180000.00} which we have not been able to pay as I 'm the only working .As a result M and T has placed a judgement against us with the intent of selling our home.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXXXXXX {$490.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but Experian and XXXX refused removal
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Eagle Home Mortgage, LLC (TX)

I decided to buy a XXXX home that was almost done being built. From the beginning, I was rushed to complete the loan docs and close by XX/XX/2016. I was encouraged to use their lender UAMC because they offered closing costs and covered other expenses. The first lending disclosure showed the monthly payment to be approx. {$2100.00}. After submitting additional documents as requested, I received another lending disclosure through XXXX that showed the amount to be approx. {$2600.00}. I talked to the mortgage consultant I was working with XXXX XXXX and asked why the new disclosure showed a different amount. She said she would look into it and get back to me. Shortly after, I received the final lending disclosure that showed the monthly payment to be {$2100.00} three days before closing. Since that was the amount I was prepared to pay, I was prepared to go to closing. I did not use my right to negotiate a better price, interest or use another lender. At closing, I signed the Final Lending Disclosure that showed the payment to be {$2100.00}. On XX/XX/XXXX, I received a statement and bill from UAMC showing the payment to be approx. {$500.00} more than what I signed up for. Due to the holiday, I called UAMC on XX/XX/XXXX to ask about the discrepancy. I was told by XXXX that she would contact the Loan Officer-XXXX. I was not contacted again until XX/XX/XXXX by email from XXXX asking me to sign a new payment letter showing the amount as {$2600.00} saying there was an error in the monthly property tax reserve. As a consumer, I am not aware of what is missing on forms that I 'm signing. I faxed her a letter letting them know this was unacceptable and that they needed to adjust numbers on their end ( i.e. home price, interest rate, etc. ) so that my payment was correct and my escrow was covered by my monthly payment of {$2100.00} as I believed they were when I signed the closing paperwork. She argues that they are not in violation of the Truth in Lending act as I stated in the letter because other costs were less than originally stated. My reply by email was that as a consumer, the number that is important to me is the monthly payment. I need immediate assistance as the payment must be made by XXXX to avoid a late charge and I do not want any impact on my credit score. This is my 3rd mortgage experience and I 've refinanced twice. This is the first time I 've ever had an issues. I 'm not ignorant but this has to be a violation of the Truth in Lending Act. I could understand if months or a year from now, there was a slight increase due to taxes being higher than expected but the first payment?
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Ditech is the mortgage holder on my property at XXXX XXXX XXXX. XXXX XXXX PA XXXX.I am a XXXX XXXX XXXX XXXX.I received my award form the VA last year.Included in my rarting is exemption from real estate taxes on most of my property.I still do pay for an additional XXXX acres of my property.When i submitted my paperwork to Ditech about the exemption it took quite awhile almost a year for them to lower my escrow payments to adjust for the lesser taxes i will pay.Ok they lowered escrow payments but now they are always late paying my real estate taxes.They are now late for a payment that was due XXXX XXXX, 2016. I have called them numerous times ( their tax department ) and it is to no avail .I have submitted to them the times and payment amounts for my taxes.They are still paying late and i am assured they are paying the late fees but i dont believe them.I need them to get their act together and pay my real estate taxes on time.
Consumer complaint received 2016-12-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AR)

XX/XX/XXXX I was working in XXXX XXXX XXXX for XXXX XXXX. I was sent to XXXX XXXX, XXXX to work for 3 weeks. While there I visited the Wells Fargo Bank to obtain some information on my account. When I returned home, I found a credit card in my mail. It was a Wells Fargo credit card. I had not applied for the card, yet I received it anyway. I immediately called Wells Fargo and complained and had the card cancelled. My concern is that the CFPB complaint XXXX does not adequately cover all the affected consumers as that compliant only covers the time period from XX/XX/XXXX thru XX/XX/XXXX. I feel certain that the fraudulent practices were occurring long before XX/XX/XXXX. When I recently called Wells Fargo about the credit card I was told there was no record of it. Yet it appears on my credit report even as of XX/XX/XXXX.
Consumer complaint received 2016-12-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: HW Holding, Inc (IN)

COLLECTOR FAILED TO ADHERE TO CEASE AND DESIST AND DO N'T CALL ORDER AND KEPT CALLING ALL OTHER PARRTIES. THIS IS A CORPORATE DEBT AND SHOULD REFLECT COMPANY INFO. THIS CO IN VIOLATION OF XXXX, FCRA. FDCPA AND DECEPTIVE COLLECTION PRACTICES.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Franklin Collection Service, Inc. (FL)

FRANKLIN COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FRANKLIN COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FRANKLIN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

I 've been repaying on my student loan for over ten years now, it 's been transferred from one vendor to the next. However, it started with XXXX, which is now Navient. I heard about the lawsuit, and have been persuaed into going into forberance on mulitple occassions.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

I am with Iberia Bank. My branch location is the XXXX XXXX XXXX. I set up a " push '' draft with Iberia for direct deposit to my landlords account with XXXX XXXX. In XX/XX/XXXX I called to find out why the draft had not occurred. XXXX XXXX in customer service told me that the draft rules had changed. The new protocol for bank drafts would allow only XXXX draft attempt, and if the money was not available at that time, then the draft could not be processed. 
I told XXXX on the phone that I did not want to use the service any longer. I continued to handle my payments monthly. On XXXX XXXX, 2016 {$5800.00} was drafted by Iberia Bank from my personal bank account and supposedly deposited to XXXX XXXX 's bank account. She is my landlord. 
XXXX XXXX contacted my landlord, XXXX XXXX, and explained the situation, and asked her if she would mind reimbursing me for the XXXX deposits of {$1900.00} each. 
XXXX was very apologetic and said that Iberia Bank ( powers that be ) changed the rules, and he did not know anything about a " rule change. '' He apologized profusely and said that he was willing to do whatever he could, and would be happy to pick up a check from XXXX XXXX himself. 
XXXX checked her bank account and could only see XXXX deposits, not XXXX. 
My personal account at Iberia still shows that I am overdrawn for {$1900.00}. XXXX XXXX said that there is nothing he can do about it! 
The powers that be, told XXXX that they could not do anything to return my money because the money had already deposited into her account. I Today I remain overdrawn for {$1900.00}. XXXX XXXX confirmed this morning that the money is not in her account. Can you help me? Thank you, XXXX XXXX
Consumer complaint received 2016-07-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I received an " End of Lease Liability Statement '' in late XXXX, 2016 from Nissan Motor Acceptance Corporation ( " Nissan '' ). There were various charges that seemed inappropriate and/or inaccurate. I wrote Nissan on XXXX XXXX challenging the charges and requesting a revised, accurate billing. They never responded. On XXXX XXXX, 2016 I received correspondence from XXXX XXXX XXXX, XXXX stating my Nissan account had been placed with them for collection. Nissan has acted in bad faith by providing a false bill, failing to respond to my inquiry, and turning my account over for collection.
Consumer complaint received 2016-12-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: COMMERCE BANK (CO)

I purchased a new motorcycle ( XXXX XXXX ) in XXXX 2016 which was financed through Commerce Bank. I put down XXXX dollars cash as downpayment and via trade in. I was hit by a car and the bike was totaled on XXXX XXXX. My insurance company covered the accident and sent the entire check to Commerce Bank rather than just the amount due on the loan. Commerce took several weeks to send me a check for the balance. In the interim I purchased another motorcycle ( XXXX ) and it was financed through Commerce Bank again. 

When I purchased the XXXX, I bought an extended warranty for {$2400.00} from the dealership. I was able to cancel this warranty but the warranty company sent the check to Commerce Bank. That 's where the problem began. Commerce Bank received the check on XXXX/XXXX/2016. I had to call them several times to get them to send me the check. I finally received a check from them on XXXX/XXXX/2016, over two months later. I deposit the check on that day. 

Today I checked my bank account, and Commerce Bank stopped payment on the {$2400.00} check and the funds were removed from my account with no notice to me. My XXXX charged me {$5.00} for the Return Fee on the check. 

I had no notice from Commerce Bank that they were stopping payment on the check nor any reason they would do this. Commerce Bank has stolen {$2400.00} from me and caused my financial institution to charge me a {$5.00} for their actions.
Consumer complaint received 2016-07-19
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Re : Account number:2nd request and Demand Letter 1. Violations Of XXXX Fair Debt Collections Practices Act 2. Violations of the Federal Fair Debt Collections Practices Act 3. Violations of the California Consumer Credit Reporting Agencies Act. 
4. Violations Of the California Business and Profession Code. 
( 2 phone calls received post revocation of consent to be contacted. 

This certified letter, is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : Please see my full complaint dated XX/XX/2016 attached.
Consumer complaint received 2016-12-05
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (CA)

Concerning American Express Serve prepaid card. An ATM transaction I was charged for but did not receive the funds. Theft of funds by charging me more then what was approved I have disputed the ATM transaction and Serve sent this document claiming to be from the merchant. The document and statement are fraudulent. I went to XXXX XXXX and got a copy of the transaction and as you can see it was declined by the institution. I also contacted the ATM provider, XXXX, they too show it was declined. 

Attached is the statement showing amounts taken from my account along with receipts for what was authorized. I was only able to have these XXXX transactions corrected by including them with the disputed ATM transaction. You can only dispute it if they send you a form. Complaining to customer service goes unnoticed and they are used by management as a shield for their unscrupulous practicies. As a result I 've been taken for thousands over the years. 

Serve blames the merchants. This is not on the part of merchants, this is being done in the '' back room '' of Serve. When the correction of the XXXX transactions was made, the statement reflected not what was taken out XXXX XXXX & XXXX but what the original payment order was XXXX & XXXX. The difference of XXXX was put back into the balance. When I confronted Serve with where the money went and where it came from I was put on indefinite hold, shuffled around to numerous departments and fed all kinds of XXXX. until it was admitted Serve was the culprit. They call it " padding ''. Padding their pockets is theft. 

I wish the CFPB to force Serve to cease its unscrupulous practicies and turn over detailed transaction records relating to all current and past accounts held in my name