davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (TX)

Well Fargo continues to violate federal laws and keeps charging me late fees and interest fees on a credit card account that was closed over a year ago. This is the second complaint in less than a month because Wells Fargo is still charging me excessive fees on my closed credit card. Please read my previous complaint made with CFPB, case number XXXX. Wells Fargo has also charged me excessive overdraft and several other types of fees on my checking and savings accounts. Wells fargo is charging me excessive fees on all of the accounts and products that I have with them. Wells Fargo also charged me excessive late fees and high interest fees on a closed auto loan. Wells Fargo has continued to charge excessive fees even after these accounts were closed. I had a checking account, savings account, business checking account and a business savings account all opened without my consent or knowledge. All of these accounts were not visible on my online banking and I never received bank statements for those accounts. These accounts kept getting several monthly severice fees and other fees and I never even knew these accounts existed. Every direct deposit of my paycheck gets taken away by Wells Fargo as an account right off on the accounts that were opened without my consent. Those accounts had received several fees before they closed and wells fargo keeps making account right offs and withdrawing my money from my checking account to pay off the excessive fees on the accounts that were opened without my consent and that were closed due to inactivity with large negative balances from the fees.
Consumer complaint received 2016-05-27
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Finance of America Mortgage LLC (NJ)

On XXXX XXXX, Finance of America pulled my credit without my consent or authorization. They only reason I knew was because I got an alert through my credit monitoring company. 

I do currently have a mortgage with them and never been late, but how can they just pull my credit at anytime without telling me?
Consumer complaint received 2017-02-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XX/XX/XXXX I received a bill from Fidelity Creditor Service. It was for a service on XX/XX/XXXX from XXXX. I never received a bill from XXXX. My Insurance, Was suppose to pay all bills. It turns out, once I looked into this, XXXX sent the bill to the wrong address twice and then sent the bill to collections. So, on XX/XX/XXXX I received the letter and the next day we inquiried with Fidelity Creditor Service about what this bill was for. They told me it was From XXXX. So I asked them to send me the bill from XXXX so I can see what services where provided for and what my insurance did or did not pay. The letter from Fidelity Creditor Service said that I had XXXX days from receiving the notice I received to question this bill. So I wrote to Fidelity To question this bill. 

Today I had my credit check on XX/XX/XXXX and I was informed that Fidelity Creditor Service put a XXXX mark on my credit report to XXXX of the credit bureaus on XX/XX/XXXX. Not sure how or why they did this since the letter they sent me was dated XX/XX/XXXX and I received the letter on XX/XX/XXXX, but Fidelity Creditor Service XXXX the Credit bureaus a late charge on XX/XX/XXXX almost XXXX month before I even received their letter letting me know about this Medical Bill. 

So, how do I get this off my credit report? 
Since, once I found out everything and verified what this bill was all about, we paid the bill. 

How can this company ding my credit before I even new about the bill? 
How do I get this off my credit rating? 
How can Fidelity Creditor Service even ding my credit even before they sent me anything. 
Also, I was charged {$120.00} in interest from Fidelity Creditor Service. How can they charge me interest for a bill that I did not even know about? 

Looking forward to hearing from you.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Purchased items under 0APR promotion from Lowe 's following that made other purchases that were not under promotional interest. 
1. The credit card statements that followed does not show how to avoid interest by paying the non-promotional amount plus minimum amount required for the promotional purchase. 
2. Payments were automatically split to promotional and non-promotional regular interest. 
Company did have the option to apply all payments toward non-promotional balance but customer has to call in and request that option specifically.
Consumer complaint received 2017-02-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I placed a complaint number XXXX where Ditech responded inaccurately. Again I am requesting a itemized breakdown on how they are arriving at the total amount past due so as I can liquidate my retirement account and bring this account current. As of XXXX XXXX XXXX according to a statement sent to me Ditech claims the totat amount past due is {$62000.00} where this calculation is inflated and before I send out a check for over {$50000.00} I want them to place in writing clearly how they are arriving at their total amount past due. 
The other issue in the original complaint which Ditech was not truthful claiming they never received the property tax reduction documentation where my property tax grievance reduced my taxes over {$3000.00} per year. On XXXX XXXX, XXXX I received a letter where it stated as per the origninal terms of my mortgage with XXXX before it was sold that on XXXX XXXX XXXX the interest rate increases to 4.0 % and my monthly payment according to Ditech as of XXXX XXXX, XXXX will be XXXX. 
This calculation is incorrect because it is not factoring in the reduction of my property taxes and their response to the original complaint that they did not received documentation is false. I am requesting a property breakdown of how they are arriving at this monthly payment amount of {$2500.00}. 
What this complany has done in essence is take advantage of someone who was suffering from a temporary XXXX and has dragged this matter on with false promises of a modification while playing a paperwork delay game where they allegedly applied for modifications four times of the past year. In XXXX XXXX when the company was named Green Tree I was instructed to stop making payments so I would have a better chance at the mortgage being modified and the clock reset to a 20 year mortgage and in some instances a 40 year mortgage.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I have had my loans serviced through Navient since 2014 and due to my economic hardship and low income, instead of paying {$0.00} for my income based repayment, Navient has charged me more interest and more monthly payments that exceed my spending capabilities. Navient has failed to offer me the right federal forbiddanc and failed to disclose any other rate reduction programs that would have benefited my repayment and credit report. Consequently, this has severely impacted my income / debt ratio which has limited me to consolidate my loans with other refinancing companies. I have had a very hard time keeping up with my payment plans as a resident working XXXXXXXX hours per week while on a resident salary. I have tried countless times to get on the rate reduction program but Navient has failed to call back and respond to my requests.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (TX)

Dear Wells Fargo : Yes, I did receive your letter dated XX/XX/2016 ( scanned & attached on here ), but I did not receive a letter earlier dated XX/XX/XXXX as you stated. I 'd like to reiterate that I did not have nor receive your written communication XX/XX/XXXX ; therefore, I was shocked to learn that Wells Fargo had closed the account. 
While I understand but regret of your earlier response that Wells Fargo has the right to cancel or terminate at anytime, however I respectfully request that my earned points or cash credit from uses of the card until XX/XX/2016 can be redeemed since I had had no knowledge as to why. Although Wells Fargo chose to close or cancel the account as wish at anytime, I regret that I had no known earlier reason ( s ) and hope that Wells Fargo could reconsider to reopen the account, or at least fairly allows customer in my situation to redeem the earned credit as of the closing date. 
Thank you for your consideration and cooperation. I look forward to a fair resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (GA)

I discovered that the mortgage company misapplied funds for my XX/XX/XXXX mortgage payment. I pay my monthly mortgage of {$1300.00} in XXXX payments. PHH received the first half of my payment XXXX {$670.00} XXXX for XX/XX/XXXX on XX/XX/XXXX and the second half ( {$670.00} ) on XX/XX/XXXX The payment received on XX/XX/XXXX was incorrectly applied to additional principal and not the mortgage payment. The second half of the XX/XX/XXXX payment and all subsequent payments have been appropriately applied to the mortgage payment. 
I called PHH Mortgage Company on Monday, XX/XX/XXXX to advise them of the error and requested to have the XX/XX/XXXX payment for XX/XX/XXXX appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer. 
I received a call from XXXX Mortgage XXXX ( XXXX ) today, XX/XX/XXXX, informing me that my request was denied and that the XX/XX/XXXX payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the XX/XX/XXXX mortgage payment. I explained to the representative that my XX/XX/XXXX mortgage payment was already paid in full and paid early with the XXXX part of the payment received on XX/XX/XXXX. I was told the payment was incomplete for XX/XX/XXXX and I am responsible for sending the second part of XX/XX/XXXX 's amount.
Consumer complaint received 2016-05-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MD)

States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

Ocwen is servicing a paid off mortgage that is still on title for this property. We are attempting to short the XXXX mortgages active on the property but can not continue due to the Ocwen serviced mortgage. Ocwen has refused to process a lien release because they received it from the previous servicer with a zero balance. Despite numerous verbal and written requests for the following information, Ocwen will not cooperate and provide answers to the questions below. 
1. Current status of account 2. Date of service transfer 3. Identity of former servicer 4. Identity of former/current mortgage holder
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AL)

My loan was bought out from XXXX to Specialized Loan Servicing , LLC. Specialized Loan Servicing says since I am in bankruptcy that they will not send me a statement and they will not tell me exactly the terms with them as far as date of payment, if my payment is the same, etc., and also told me I did n't have to make a payment while in bankruptcy. I do n't feel good about this as I have read many many complaints of dirty dealings with this company. I do n't want my house to end up in foreclosure, but I want a detailed statement stating what I owe, the monthly payment as XXXX did, and when my last payment was received. They also told me that I have 90 days until my first payment is due since my loan was bought out, which contradicts the whole " You do n't have to make a payment while in bankruptcy. '' I had to hold an hour before talking with anyone and they told me this was their typical wait time and I got nowhere with them. I am worried, please help!!
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NY)

After reviewing my credit report, saw a collection activity by Amsher collection Agency., Its for a XXXX cell balance I paid for in XXXX 2016. 
I 've disputed this bill thru the credit agencies XXXX and XXXX. I supplied the payment information. 

But I 'm still getting phone calls from Amsher. 
I want the harassing calls to stop and any and all collection remarks for this bill on my credit reports that I paid last year to be removed.
Consumer complaint received 2016-05-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Collection Management Company (PA)

A medical bill from XXXX XXXX was sent to collections that I was unaware of, never received. I discovered this because it went right on the my credit report. No attempt to collect the debt by either by either XXXX for this supposed amount owed or by collections. Spoke to XXXX on XXXX and was told it was n't there bill and referred me to XXXX billing. Spoke to them XXXX and was told that the bill was incorrect and would be taken off and I would receive a letter of confirmation. Spoke to collections on XXXX to make sure it was taken off and it was n't. Spoke to XXXX from XXXX billing on XXXX who told me the previous agent I spoke to was incorrect, that I owed a different amount listed on my credit report. I spoke to collections the same day and was told a completely different amount than what XXXX told me and what was listed on my credit report. I began to dispute the validity of the debt because of the different answers I had been receiving and was told I would by collections that a letter would be sent to me for proof of debt. This letter was never received. I now believe this is fraud. I may have received services on the supposed day of the debt but I believe this is false charge they tried to sneak in due to getting different answers from different people and failure to provide proof of debt.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

1. On XXXX XXXX 2017 I made an online payment with Navient for {$320.00}. I was given a confirmation Number for the transaction. 2. On XXXX XXXX, 2017 Navient sent me a statement showing that the payment was received and allocated to my account 3. Navient them reversed my payment and sent me a notice stating that my bank rejected my payment 4. My bank ACH department have no record of Navient submitting payment 5. I have called Navient and spoken to a representative who told me your bank rejected your payment 6. I need Navient to provide me proof that my bank rejected my payment Thank you kindly XXXX
Consumer complaint received 2017-02-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We received a permanent modification yesterday XXXX/XXXX/XXXX from Select Portfolio servicing with terms that was different from the previous servicer XXXX. We initially was approved for a trial modification with three timely payments from XXXX. During the process were assured by XXXX that once we met all the requirements by making all three payments on time, then we would be given a permanent modification with no balloon payments. Our 1st payment was completed on XXXX/XXXX/XXXX with XXXX. Immediately after making the 1st payment, XXXX transferred the rest of the loan modification process to select portfolio servicing. The XXXX told us that transfer is the right of the Investor. Our Investor is XXXX with XXXX as trustee. XXXX promised us that nothing will change with the new servicer and that they will forward all details of the approved to select portfolio and select portfolio is to follow everything done in agreement between us and XXXX. We were stunned to learn of a balloon payment of {$550000.00} due with accrued interest at the end of the maturity date. added to the final documents. This is not what we were promised by XXXX That is who we made our first payment with thereby agreeing to the rest of the trial period which we completely successfully. CFPB needs to carefully look into this and direct this lenders/Investors to stop breaking these laws that are still in effect to protect us consumers. The terms of the permanent loan modification is only 19years that they gave us. WHY? Is this a loan modification or some type of gimmick. why a balloon payment and moreover accruing interest. This is just to prevent us from enjoying all the benefits of home ownership and to leave something to our children a legacy. See attached documents when areas I have highlighted with side notes. Thank you for your immediate intervention. The new modification expires in 15 days.
Consumer complaint received 2017-02-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, XXXX I telephoned Capital One credit card customer service requesting a dispute to get my money back because the merchant XXXX had failed to provide wireless service to wife and I ... after giving them XXXX attempts to make it work : my dispute case number is XXXX. I was disappointed that Capital One 's process was not as efficient or believing me like XXXX staff have been in the past. Also, I have been this bank 's customer since XXXX and this was my first dispute request. 
I received a letter XXXX XXXX XXXX requesting details from me and copies of receipt etc. -- some copies they sent me such as the bill were unreadable except for my signature : On XXXX XXXX XXXX I answered those questions and faxed letter, receipt, etc to a XXXX Support Center in XXXX XXXX XXXX UT. On XXXX I received a letter dated XXXX from this support center telling me they wanted more information. I telephoned immediately and was transferred to a woman in the XXXX and she immediately told me that I needed to send them answers to some more questions. I asked her if she received my fax and she said yes. I asked her to repeat her first question and then I said plz look at the bottom of the first page on my fax and read it to me : it was exactly the answer to her question! She did not admit that, but continued demanding that I answer more questions. I told her this is a very simple case : a wireless provider store has been given THREE ( 3 ) chances to provide wireless service on XXXX brand new smartphones and they have not delivered their service. I want my money back -- and they refused. Before the dispute was settled Capital One put the {$61.00} back on my monthly statement and forced me to pay XXXX who had never for one day provided wireless service to us. How ridiculous! Also, women in the XXXX have continued to call me demanding more information. I feel that Capital One is supporting the unscrupulous merchant XXXX ( how can they stay in business with these practices? ) and for unbelievable reasons labelling me as the BAD guy.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Reviewed my credit alerts and notice that Transunion removed inquiries from my report and then reinserted them back on my report. I called to Transunion to resolve this situation and they did not want to resolve. My rights were violated under FCRA while I was not notified of any reinsertion of deleted items. I spoke with XXXX reps XXXX saying he was the supervisor named XXXX and he would not provide me the name of the rep I spoke to prior. All I wanted was for them to correct their mistake and remove the inquiries that should not have been reinserted without notification.
Consumer complaint received 2017-03-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp (CO)

Lending Club led me to believe that my loan had been approved and then went back on what they said a week later and denied my loan. I first received a preapproved letter from Lending Club in the mail and proceeded to apply. Within minutes of completing the requested information, I was told I was approved, but needed to finish the " checklist '' on my login page. I completed all steps, including providing very senesitive information like my bank account number and sensitive work information. A week later, when I had n't received the direct deposit and had not received any follow up correspondance, I logged back in and the website said that I just needed to call to confirm my identity for the funds to be dispersed. I did this, providing/confirming additional sensitive information by phone, then was put on hold indefinitely until I had to hang up to take a work call. I then received an email, stating they would be calling me by the end of the next business day to confirm some information. Except then later that same day, I instead received another email stating that I had declined for the loan.