davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

My mother XXXX in XXXX with a reverse mortgage from Wells Fargo. I was assigned a " Loan Specialist '' ( by mail ) and tried several times to speak with her, left several messages and NEVER got a called returned. I waited for 2 months. The letter they sent clearly says I have 6 months to ignore, keep or sell the house. Now that I have the house on the market I FINALLY got some XXXX on the phone and I am told that the house has been referred to foreclosure attorneys! I have sent in every paper and document they asked for before the deadline ( which I would have known about sooner if anyone had returned a phone call ) and I am told that there is no way to stop foreclosure proceedings. I was missing the listing agreement but I was not told about that until I called them to ask why I am not being notified about anything. I immediately sent it in. Since I asked for an extension I was told they will probably grant it and that will hold the foreclosure but how am I going to sell a house if potential buyers find it is " in foreclosure ''? I believe I have done everything they have asked me to do, provided every document, yet foreclosure proceedings have begun and I was told there is no way to reverse it. They have been non-communicative and I have had to drag out every bit of information and now I am incurring foreclosure fees for a house I am trying to sell. I am trying to do the right thing and sell the house so everybody gets their money, but they are making it very difficult. My " specialist '' has never heard my voice, I have to deal with the 'home preservation ' people and it is difficult enough to mourn the loss of my mother without having to fight to sell her home. I now understand why Wells Fargo sustains such horrible PR. They seem to be indicating that they would rather I just walk away from the house then try to to what is right. This is not how, as the letter states, they show they are " committed to helping you through the process and making it the best experience possible ''.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XXXX of 2016, I discovered a public record of bankruptcy on my Trans Union credit report. Using the address TransUnion provided, I attempted to contact XXXX XXXX Bankruptcy court using the address provided by TransUnion and the letter was returned as undeliverable. TransUnion is responsible for providing accurate contact information so that consumers may verify accounts. I contacted TransUnion via certified mail requesting that the item be removed due to inaccurate reporting and included copies of the returned mail as well as the timestamped report showing the inaccurate creditor address, and they replied via mail stating the item was verified and did not remove it from my report. They did not provide any documentation bearing my signature or mark the item disputed. An employee finding my name in a third party data mining database does not constitute verification. 

I am aware that federal courts do not report to credit bureaus and that they did not provide signature verification to any of the reporting agencies.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC (IL)

Hi Go Financial in XXXX Az finance XX/XX/XXXX chevy truck for me in XXXX for 29 months. The truck was paid off in XXXX and I have n't received a paid in full letter and it 's not being reported correct with the credit bureaus.
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc. (PA)

I joined a 12 week weight loss program for {$700.00} in 2009. Four weeks into the program, the company closed. XXXX XXXX wrote off acct, then sold it to XXXX, who began agressive collection. I paid/settled acct XX/XX/2012. About 6 months ago, I began getting calls from phone numbers with area codes from all over the country -- -all saying I owed over {$4600.00} and if I did not agree to a settlement and pay, I would be sued, arrested and could go to jail. I threatened to report the scam. It stopped for about 2 months, and has began again. Credit Solutions found my home & email address and is sending letters and threats over the internet. This company says they are collecting for XXXX XXXX.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (CA)

I received a prescreened credit card offer from XXXX XXXX for which I am not eligible. Their offer said to call XXXX to stop receiving prescreened offers so I called the number, which represents all XXXX credit bureaus, and the automated system asked for inappropriate information such as social security number, date of birth, home phone number, etc. Consumers are continuously warned not to give out these identifiers because of privacy and identity theft concerns so I hung up. Why are credit card companies asking for this information just to opt out of a prescreened offer? A better way is to change the system to an opt in system so that consumers are not burdened with having to opt out of the numerous sales offers they receive. My complaint is that credit card companies should not be allowed to ask for those private personal identifiers that are used for identity theft. This practice must be stopped.
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

I rented a XXXXbdrm from the XXXX XX/XX/XXXX to XX/XX/XXXX. I submitted a notice not to renew my Lease to XXXX on 3 different occasions with a request for an additional 4 days. Payments and adjustments were made and my balance settled. 3 years later XX/XX/XXXX after a new management company took over the XXXX and branded the community i was sent a collections notice. 

The notice stated that i had a balance for not paying my rent. After speaking with the collections agents on several occasions i as advised that i had terminated my lease prematurely. On other occasions i was advised that i provided to much notice in advance of the minimum 60 days i was advised that i had to give 60 days and not more or less. 

I provided copies of my request to terminate my lease that i was able to locate. there are XXXX more which i requested from the leasing office but was advised the the documents were destroyed during the remodeling process. 

A copy of my ledger was sent to me along with a copy of the charges. A few things are of great concern. 

1. ) That an insufficient notice was added the day of my move out XX/XX/XXXX then removed on XX/XX/XXXX. I assume this was because the notice for my lease termination was not applied on XX/XX/XXXX but on XX/XX/XXXX. 
2. ) A correction was made to the charges on XXXX XXXX for both utilities and insufficient notice as this was paid in full on XX/XX/XXXX to cover through XX/XX/XXXX including my initial security deposit. 
3. ) The ledger shows a {$0.00} balance since XX/XX/XXXX. 

After 3 years and a XXXX balance ledger i am being sent to collections {$0.00} balance plus interest amounting to {$1300.00}. 


The original agent i spoke with is still at the current management company and has indicated that this is a regular occurrence and has indicated that she did in fact submit my notice in advance of the 60 days required however i was advised that i would have to go through the collections agency of Hunter Warfield who is unable to or unwilling the reach out to the rep who handled my case. to resolve this issue.
Consumer complaint received 2016-12-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CO)

We tried to have our mortgage loan modified through Chase and they are refusing to help us. We began to struggle last year after I suffered an injury which sidelined me as a police officer and caused us to fall behind on our mortgage payments. Our expectation was that they would be receptive to helping us since they received XXXX dollars in bailout funds to help homeowners and still have XXXX dollars left to provide assistance for those in need. Instead of getting assistance and a lending hand, we were not provided with a full review for retention options on our property, but given a streamline medication on our FHA loan. We were never provided with a review for assistance based on our household income, but rather just offered an off the shelf modification that is a bit beyond our threshold to pay. What about offering us a true FHA Modification, or a Special Forebearance, or a Partial Claim? We are qualified for ALL of these programs, but Chase just has taken the easy route and thrown us the worst offer they could muster. The worst part is that they gave this modification in XX/XX/XXXX AND WE HAVE NOW MADE FIVE TRIAL PAYMENTS, BUT THEY WO N'T GIVE US A FINAL MODIFICATION OR EVEN TALK TO US!!! We are absolutely stuck and feel as though we are throwing good money after bad while Chase is winding up their process to foreclose on our home. We built our house from the ground up in 2004 and want to spend the rest of our lives here. However, we can not get any traction or a straight answer from and have been denied us access to government programs designed to help homeowners. They simply refuse to speak to us and we have not heard from our assigned single point of contact for months. We have no idea where we stand and what we need is a permanent solution to our mortgage problem, since our home is in jeopardy of foreclosure. Life was fine and we had a very strong mortgage payment history until I was injured and then it appears that Chase has turned their backs on us. We are scared and would like your assistance to ensure Chase knows someone is overseeing what they do. We desperately need help to get our loan back on track and keep our home. Shame on Chase for how they behave.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a loan modification. Bank of America sent me a letter dated XX/XX/2016, approving a loan modification. The modified payment amount is {$2200.00}. Please see attached letter. I mailed the first trial payment of {$2200.00} to Bank of America, N.A., Payment Processing, XXXX. XXXX XXXX, XXXX, TX XXXX. Bank of America received the first trial payment amount before the due date of XX/XX/2016. Bank of America sent me a letter dated XX/XX/2016, which stated that my first trial payment of {$2200.00} was not being applied and was being held " in an unapplied funds account. '' Please see attached letter.
Consumer complaint received 2016-12-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ability Recovery Services, LLC (FL)

This collection company does n't abide by the laws set forth by the FDCPA and have made clear violations of FDCPA 809 ( b ). I was never contacted by this company regarding a debt they were collecting on. I found out by credit monitoring service that reported new collection activity. After reviewing my credit reports I disputed this collection account with the XXXX of the XXXX major credit reporting agencies ( XXXX and XXXX ) as XXXX was not reporting such account. Both disputes with XXXX and XXXX came back as verified so I sent a letter to Ability Recovery Services requesting validation of the alleged debt on XX/XX/2016. They failed to respond yet continued to update their collection status on XXXX and XXXX and even started reporting to XXXX. I had to file an initial complaint with the CFPB regarding their lack of response to my request and their continued reporting of alleged debt. They responded with their documentation and claimed that they mailed a response to me on XX/XX/2016. I never received such response. They attached the documents they claim they sent me and both documents are dated after XX/XX/2016. Regardless, their continued and new credit reporting and collection efforts occurred between the time they received my request for validation and the time they claim they responded to my request. I am hereby filing a complaint against this company for their violations of FDCPA 809 ( b ).
Consumer complaint received 2016-12-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (MS)

I was hurt on the job. I was covered by workmans comp. I Supplied all required and requested information to hospital administration. I completed and turned in every form to my employer in a very timely manner. A few days later, I began getting phone calls about the hospital not receiving payment. I told my employer that there was an issue with the hospital getting payment because the insurance company did not have all of the required paperwork. My employer kept saying it 's all been taken care of, the company and the hospital will get it worked out. I stated my case to anyone that had any involvement in the process. Just hoping I would be released from the responsibility of asking adults who are professionals in the customer service industry to communicate effectively and identify issues that have very simple solutions. It quickly became clear that complete incompetence, or at-the-very-least fraudulent negligence by my employer and his insurance company. I quit my job and never again was able to have any conversation with my ex-employer. I ca n't even get info on which WorkComp Co. the policy was with.
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Asset Management, LLC (FL)

The Pinnacle Asset Group is calling threatening to file with the irs for a debt that is 15 years old- they also went as far as to look up our other numbers and contacted my son to make the threat towards his father and I. This is harassment to the fullest. This company has been sued for this same issue there are also so many complaints.
Consumer complaint received 2016-12-02
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Wilber and Associates, P.C. (SD)

* XX/XX/2016. i got into a car accident. 
*I was in my mothers car. my mother did have insurance with wind haven. i was not on her insurance. 
*I was at fault. 
*6 months later ( XX/XX/XXXX ) i received a letter from " XXXX subrogation Department ''. 
*That letter stated " YOU ARE LIABLE FOR PAYMENTS THAT XXXX MADE TO ITS POLICYHOLDER AS A RESULT OF THE LOSS. THE DAMAGES ARE {$7800.00} '' * On XX/XX/2016. i got a call from " wilber & associates '' * The case number they had on file was the same as the one on the letter from " XXXX ''. 
* This company told me that i no longer owe the {$7800.00}. now its SUDDENLY {$120000.00}. 
*They told me that if i do n't pay {$250.00} a month starting this month that they would get my FL drivers license suspended. and that if i did n't start those payments that they would not allow me later on to negotiate a payment plan. 
* I NEVER got mail from them before this phone call. 
*I told them that i would not make payments until they mailed me proof that i owe that amount. 
* They then got Mad, were very rude, practically Threatened to ruin my MILITARY career, spoke over me, then hung up the phone. 
* After several attempts they sent me their " proof '' for some of the debts. MOST of the proof were mearly Estimates of the damages. 
* Heres what they 're charging me -total loss XXXX : {$9100.00} - Net salvage : - {$1600.00} -Rental Reimbursement : {$230.00} -XXXX : {$4700.00}. 

They sent me paperwork for everything EXCEPT the XXXX, they refuse to show me any type of proof of where those {$4700.00} were even spent on. no proof at all that the other people involved even went to the hospital for any type of injuries. the person handling my claim even told me that i am a " NOBODY '' and that i have NO right to see proof of that paperwork. he also told me that they DONT have that paperwork which I 'm sure they do n't, but at the same time he said that the other person involved had a XXXX. contradicting himself. 
*i have explained MULTIPLE times to them that i have no problem paying as long as there is accurate paperwork to support their claims. 
* the police report says that there were NO INJURIES!
Consumer complaint received 2016-12-01
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (CA)

XX/XX/2016 I purchased my home and my loan was sold and serviced by Freedom Mortgage. The mortgage was an FHA loan. In XX/XX/XXXX I received an offer from Freedom Mortgage for the FHA Streamline refinance program and I applied in order to reduce my rate. Initially, the closing was going to occur in XX/XX/XXXX until I was notified the program requires 6 months of on time payments. Given my mortgage was new the 6th payment would not be made until XX/XX/XXXX. I remained in communication with the loan processor XXXX XXXX, who told me everything was fine and once the XX/XX/XXXX payment posted we 'd move to closing. My payments are setup to pull automatically every month on XX/XX/XXXX and have been since the loan 's inception. My Bank account can show this. On XX/XX/XXXX I followed up with XXXX to notify her the payment had been pulled. Around XX/XX/XXXX my wife, who is a co-signer, received a Credit Denial letter. I myself have not received a decline letter. The reason for the denial of credit was due to a late mortgage payment. This is inaccurate and they should know better since they can see my loan payments are pulled by their system every month automatically. When I inquired about this the processor pointed to the loan officer, then loan officer pointed to the processor, and then the processor pointed to the underwriters. Nobody was willing to admit a mistake was made and to correct it. Finally I got a manager 's information from XXXX, her name was XXXX. She too was of no help and would not recognize their mistake. 
This is unacceptable practice. The denial reason is bogus and easily corrected if they would simply check their system and confirm the loan payments are automatically drawn each month. I called their customer service to confirm we were current, and they concurred. Clearly a disconnect between their departments and information between the two. 
What is even more upsetting is the rate lock has expired now and with the rising interest rates over the past few weeks I will not get the rate which was originally locked at 3.75 % even if they were to reopen the application. This rate reduction would have saved me over {$25000.00} in interest and I intended to keep my payments the same at which I pay today. This would have eliminated close to 4 years off my mortgage.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

My Citi ThankYou Preferred Card statement dated XX/XX/2016 showed a balance of {$2.00}. I attempted to pay the bill electronically through the Citibank website as I always do for my credit card bill ( and many other bills ). I got a message saying that the balance was too small to be paid electronically. 
On my XX/XX/2016 statement, there was a {$.00} minimum interest charge and a {$2.00} late fee ( in addition to the other charges incurred for that statement ). I complained to the telephone and online customer service representatives, explained the situation, and asked for the interest/late charges to be refunded given the error message I got on the website ( and given that I have been a customer for 21 years, I have never had a late payment, and I maintain a healthy balance in my linked Citibank bank accounts ). The representatives refused to reverse the interest/late fees and said there was nothing they can do. 
I have continued to pay the actual charges being incurred on the card while this dispute has been pending. However, I have refused to pay any interest/late fees. 
The situation is absurd - I pay my bill electronically and on time all the time ( and have for years ). This time, the Citi website would not let me make the payment - that is a Citi issue, and not a me issue. And, I have been a longstanding and loyal customer for years.
Consumer complaint received 2016-12-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I received a letter from Fidelity Creditor Service, XXXX XXXX, XXXX CA XXXX. Telephone number XXXX. 

They said I owed {$1000.00} plus interest of {$110.00} for a total of {$1100.00} that I owe. This was for service from XXXX XXXX on XX/XX/XXXX and I received this letter on XX/XX/XXXX. 
XXXX has been paying my medical bills. This bill was the first time I ever received a bill for this service. I never even knew that I had a bill. Seems odd that Fidelity could send me a bill but XXXX XXXX could not send me the bill. 

So, I get this bill and then I ask for a itemized bill for the date of service and XXXX XXXX said they could not send it to me a copy of the bill since it has gone to collections. I asked collections for a copy of the bill for the money they say that I owe them and have not heard back from Fidelity as of today. 

Also, I am getting charged interest for a bill that I did not know I even had. That just is not right. 

I need assistance with this matter and some advise on what I should do. 

Thanks for the help.
Consumer complaint received 2016-12-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (FL)

I purchased a car from XXXX in XXXX 2015. Upon purchasing the car, it was unknown to me that the company was not in business in the state of Florida. In XXXX upon trying to renew the decal for the car, I was told the car had no owner. I reached out to XXXX XXXX who was the person I was interacting with upon the purchase. He gave me a number to a XXXX XXXX. Upon speaking to this individual I was advised he did not have any paper work in the car. After not being able to contact XXXX XXXX for some time, I reached out to the finance company which at the time was Western Funding. After speaking with their titles department, I was advised by XXXX XXXX, they have been investigating this company which was also known as XXXX XXXX XXXX for fraud. They had XXXX cars with no titles to them from this company. Their legal department was looking into this, but in the mean time, I still could not renew the decal for the car. After filing a report with the Florida State XXXX, I was able to renew the decal and I was also given the title to the car. The finance company wanted the title to the car, even after all the fraud that was going on with the car dealerships. They repossess the car. I still have the title due to it having no lender on the original title.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I had a dispute with XXXX card XXXX ending in XXXX that has been resolved but my credit rating with Experian has not been updated to reflect this. I was denied a XXXX credit card on XXXX XXXX. Please update my credit rating to the excellent status that I had before this problem occurred.