davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OK)

I had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation. 

My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful. 

On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX. 

I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX  and then escalated again to XXXX XXXX XXXX. 

I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that. 

Please help.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (IN)

COLLECTOR KEEPS CALLING MY CELL, FAILED TO VALIDATE SAID DEBT, WENT ON CREDIT REPORT WITHOUT VALIDATING AND ZOMBIE DEBT. 

SEVERAL VIOLATIONS OF DODD-FRANK ACT.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with XXXX and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
Consumer complaint received 2017-12-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

XX/XX/XXXX got a call from a collector. Mentioned a payday loan that I did default. I paid them. Then today XX/XX/XXXX I got a call from another collector and said to pay the same pay day loan. Thinking this was another payday loan, I paid this guy. Later to realized I paid two collectors for the same loan.

I paid {$760.00} in XX/XX/XXXX and {$560.00} today. I think the loan was originally {$300.00}. I need to find out who
was the company that called me in XX/XX/XXXX.
Consumer complaint received 2017-12-14
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (WI)

XX/XX/XXXX They called me regarding delinquency. I requested cease and desist and advised of who my attorney was. Also referred them to the complaints I had previously placed regarding assumption and modification denial based on miscalculations. 

XX/XX/XXXX received letter from Wells Fargo advising would start foreclosure proceedings would start if not brought current by XX/XX/XXXX. 

XX/XX/XXXX Guy showed up on steps representing Wells Fargo and scared my XXXX XXXX year old daughter. Advised that I had to call Wells Fargo due to delinquency.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have sent 4 letters to experian and XXXX in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( experian and XXXX have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks
Consumer complaint received 2017-12-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Jon Barry and Associates, Inc. (MS)

XXXX XXXX XXXX. XX/XX/XXXX. {$290.00} XX/XX/XXXX - {$83.00}. 


I was telling them that how can you open something that is not even in Mississippi. These people are from north carolina. Is that even possible even though i am in Mississippi. I have never lived in north carolina so this cant be possible.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VT)

Loan Depot has failed to pay my town property taxes. Due to their non payment my name will be listed in the town letter for the next 3 years causing my reputation harm. I have called them to try and resolve this multiple times but all I can get out them is " It 's being worked on '' At no point have they been able to give me any indication as to when my town taxes will be paid or what the actual status is with the process. They are unable to let me speak with someone who can actually be of assistance and block all attempts at escalation.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX,2007 Closed of Home /Predatory Lending I was and still am XXXX XXXX. I was collecting XXXX and still am. i closed on a property for XXXX with XXXX down. No job, No chance of getting better. Everywhere i contact say there nothing you can do?
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc. (MO)

On XX/XX/XXXX, I signed up with creditrepair.com to repair my credit. On XX/XX/XXXX, I cancelled the service, but 2 days later, was charged a further {$99.00} despite my cancellation. 

The reason I cancelled the service was because I was not being made aware of any work actually being done, despite numerous requests. In total I paid {$300.00}. After cancelling I have repeatedly asked creditrepair.com in writing and over the phone, for a list of items they removed from my account but they have refused to provide it. I have requested a copy of my file and they have refused to provide that too. 

What they have offered to provide is a copy of my old report and current report - with the insinuation that the difference is down to them - however that would be inaccurate as I have since hired a different credit repair agency who may have made any said changes. 

I believe Creditrepair.com charged me {$300.00} and did not make any deletions to my credit report.
Consumer complaint received 2017-12-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

In XXXX 2017, we applied for a mortgage with USAA. We were pre-approved and needed to sell our home before moving forward with the home we were purchasing. Our contact at USAA pushed us to send them the contract for the new home so that we could get our rate locked. We later found out, because we did n't sell our house soon enough, that our rate lock would be expiring and we would have to pay to keep it. Luckily, we found a buyer and were going to close on the sale of our home just in time - XX/XX/XXXX and our rate lock expired XX/XX/XXXX. We were supposed to be able to close on both homes the same day. A week before closing, we find out that the appraisal had to be revised because it included separate land that could not be included in our loan. The appraiser still got the lots incorrect on the report, missed updating the purchase price, and did n't get the documents uploaded as needed. All of this took about a week and so we had to push out our closing date. I told XXXX at USAA I wanted to close by the XX/XX/XXXX, but then we found out more mistakes were made : XXXX incorrectly entered our email addresses for us to get the documents to sign, we had to submit a correction on the city of the property because it did n't match the zip code as USPS has it, we needed updated bank statements because suddenly we owed more money than they expected - many, many things that could have been caught BEFORE we were in the final week of closing. The biggest issue that we had was USAA sent me the " final '' closing disclosure on Friday XX/XX/XXXX, 3 days prior to closing, as was required. I called on Monday to understand why we suddenly owed {$2200.00} at closing, which increased from {$1100.00} the last time I spoke with XXXX, and he told me that still was not the final version and that we would be getting a {$3.00} check back at closing. WITHIN HOURS of that conversation, he called me back and said that a mistake was made. They did not get an updated property tax statement since taxes were paid more than A MONTH earlier and so we would owe {$1400.00} at closing. THEN, the day of closing, I received notice that they were calculating our monthly insurance rate incorrectly and both our monthly payment AND costs due at closing would increase to {$1900.00}. ALL of these changes were being made within the 3-day window of closing, which I understand, is not supposed to happen. We were all over the place with our closing costs and I am EXTREMELY upset about the whole experience. AND I paid 2 weeks  of rate lock!!!!! Because of their mistakes!
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

XXXX promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the XXXX instead of just honoring the promises already made also breach of contract and theft. The refunds were all issued by the developers and XXXX kept the money and never returned them to any bank or previous account. Everytime I call I show proof and get hung up on. I sent them proof and screen shots through emails dozens of times. Cases numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and [ XXXX ] all promise they 'd fix the problem. I even agreed to credit through their play store which would even cost them anything yet instead they pull a bunch of shenanigans and try to rob me.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Orion Title & Escrow LLC (NY)

Orion Title & Escrow LLC-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida , XXXX ( XXXX ) XXXX Contacts : XXXX XXXX , XXXX. ( attorney ) and XXXX XXXX ( owner ) Orion File # : XXXX XXXX I was the Seller in a transaction that closed on XX/XX/XXXX at XXXX XXXX. Orion Title was the title company and settlement agent. 

On XX/XX/XXXX Orion provided to me a Seller 's CD listing fees payable by the Seller. I advised XXXX XXXX that same needed to be revised to include XX/XX/XXXX payments that were already made. She refused to revise the CD and only after I provided her with the relevant proofs of payment did she finally revise the CD and on XX/XX/XXXX ( less than 24 hours prior to scheduled closing ), ADDED A " SELLER DOCS PREPARATION CHARGE OF {$500.00} TO ORION TITLE. When I questioned her about the fee, she stated that was her standard fee ( not a fee for the revision ) but failed to provide any explanation as to why it was not on the CD provided on XX/XX/XXXX. I never agreed to pay that fee nor was it discussed or disclosed to me until less than 24 hours prior to the closing. I refused to pay the fee and reached out to XXXX XXXX, XXXX. for assistance. 

I received no response on XX/XX/XXXX however after the closing had already started XXXX XXXX, XXXX. stated that XXXX XXXX was the owner of the company and that the {$500.00} fee was not a " revenge charge '' but instead was the standard fee yet once again did not address why the alleged standard fee was not on the CS provided XX/XX/XXXX. XXXX XXXX never contacted me again. 

This was a mail away closing for me and I returned all the documents via XXXX XXXXXXXX signed without the {$500.00} fee. The Purchasers were at the closing table and ORION TITLE STATED THEY REFUSED TO CLOSE UNLESS I SIGNED A NEW CD AND AGREED TO PAY THE FEE. This would have severely prejudiced the Purchasers who had taken off from work and were moving into the premises that weekend and likely would have been subject to adjournment fees from their lender for an adjournment at the closing table. Out of consideration for the Purchasers and out of duress, I signed the new CD via email and the transaction closed. The practices of Orion are unethical, unprofessional and in my opinion equate to extortion.
Consumer complaint received 2016-12-10
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Quad Corporation, Inc. (IA)

I was never billed after insuance except 2 1/2 years later I recieved a message tbat always said this is a important message for my name and if this is n't you then please hang up. I thought it was just a scam. I mow found out I owe {$630.00} this has ruined my credit to buy a house. Please help me!
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MT)

I have an existing mortgage loan through Wells Fargo home mortgage. I have had auto pay set up through my bank to the lender and have had for years. 
This fall I switched banks. In the process I set up my XX/XX/XXXX payment through this new bank online with Wells Fargo Home Mortgage. During this process I forgot to set up auto pay with my new bank. As a result I did not make XX/XX/XXXX 's payment. I have quite a bit of cash coming and going through my account. XX/XX/XXXX rolls around and I noticed my level of cash in my bank account seemed to be too high at this point. I went online to review my checking account and noticed my Wells Fargo payment had not been deducted yet. I then realized the problem immediately. I went to the online payment method for Wells Fargo and made XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX. 
With this happening I also realized they reported me 30 days late to the credit bureaus. 
I set up an online email with a customer service representative and he basically told me that there was nothing they could do. They made no mistake, However, I agree that they did not cause the late payment but they did not contact me whatsoever in light of my non payment for the month of XX/XX/XXXX. I received a statement which I get every month and had no reason to think there was something wrong as I do n't need to read them every time. I received no phone as they stated they made. If I did I would never have known as they never left a message. I also did not receive any letters in the mail stating their concern. I have spoken to three different Wells Fargo representatives yesterday and none of them would go do anything to help me out. I have been a very good customer and never missed any payments. With any lenders for years. I was very disappointed in their decision and feel they do n't understand the gravity or care about the damage this will cause to my credit. If they did n't make any effort to send me a letter, alert me through an email, or cal and actually leave a message how is this fair to me their customer. I feel this decision could have been handled much better and am asking for assistance in getting Wells Fargo to admit they did n't notify me properly and to ask the credit bureaus to remove this bad mark against me. 
Please let me know what you can do.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XXXX/XXXX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XXXX payment and would have to wait till XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a XXXX XXXX XXXX that was made to the account on XXXX/XXXX/XXXX. I said no my mortgage has been current as of XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!