davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX/XXXX/XXXX I received a XXXX form from Portfolio Recovery Associates LLC for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at Portfolio Recovery on XXXX/XXXX/XXXX at XXXX central time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number ( XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( XXXX XXXX ) and spoke to a XXXX XXXX at XXXX Central time until XXXX central time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX , La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over XXXX years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX ( XXXX ) but it is no longer for a collection company. So my husband called Portfolio Recovery back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was XXXX years old at the time they brought the account in XXXX since the account was closed by XXXX in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over XXXX years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, IRS and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the IRS and mailed it to us.
Consumer complaint received 2015-04-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (FL)

Consumer ID # XXXX Social Security # XXXX Email address : XXXXXXXXXXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I opened an account at Bank XXXX in XXXX and was closed in XXXX. At the time it was a joint account and with myself and my husband XXXX XXXX. 
The account was closed due too much over draft use, however its showing in CFPB that suspected fraud activity was reported. I have contacted PNC regarding the reports made to CFPB back in XXXX and never received and explanation or resolution. I am aware that I may owe a negative balance, but I do dispute any suspected fraud activity on my account with PNC Bank. I would like this removed from my CFPB report promptly
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (VA)

Chase is discriminatory in their lending practice. It is very distasteful that they treat United States XXXX XXXX Veteran Service Members in this matter for property purchased while on XXXX XXXX. 

For over 6 months I have tried to process an assumption loan. Chase mortgage denied my assumption package although I qualified for all of the requirements of XXXX. 

I provided Chase with every piece of information requested and the criteria for information changed or contradicted their preceding request for information. This will be my 5th complaint on the matter. 

My denial stated I had insufficient funds. ( XXXX XXXX ) After an inquiry back to Chase in XXXX XXXX thru the CFPB. I was told that the new reason my file was denied was because my documentation was too old and I did have sufficient assets. 

The recent bank statements that were provide ended the period XXXX XXXX and were submitted to Chase on XXXX XXXX XXXX. I can not provide a XXXX bank statement if the month had not ended. Furthermore, all of the reserve requirements were met at my initial application in XXXX XXXX when 1 year of bank statements, IRA, and investment account balances were presented. The additional bank statements requested and provided on XXXX XXXX were of the same account or greater when provided in XXXX XXXX. 

Chase held onto my documentation for over six months and then told me what I provided was inadequate, even with providing documentation for the prior month. 

All of the calls at Chase are recorded, so you can hear what instructions were given to me. I have spoken to the same representative from Chase, XXXX XXXX, where he told me what to provide. The final piece of proof I was told to provide additional proof of funds. And I did that. 

Now the reason for my denial has changed from insufficient assets to inadequate documents. I do n't understand how the same documents that demonstrated adequacy of funds are now not adequate.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ID)

So Experian fixed the account I have been trying to get them to fix for years. YEAH! But in the process they took several account that I had with XXXX and posted them all as discharged in BK Chapter XXXX. 
These accounts where paid off long before I even filed for Bankruptcy. How if they " verified '' the information, could they have possibly been informed by XXXX that they were discharged? One of them was paid in full a whole 8 years before I even filed for BK! I suggest Experian actually investigate this matter. They are in so many violations of the FDCPA I do n't know if I should laugh or cry!
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CT)

Discover card is reporting that I have a joint account with my husband. The account was opened before I even knew him. It was opened XX/XX/XXXX. We did not get married until XX/XX/XXXX. He added me as a user on the card. They had none of this information on me when I called they did n't have my dob XXXX/XXXX/XXXX my ssn XXXX and my marriage date of XXXX/XXXX/XXXX. This is preventing us from getting a rental which is larger than what we have. I have not filled out any application and they did not have the above stated items. I would like the reported part removed from my correct report and the judgement removed from my credit report.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I made a dispute with a particular account on my Experian credit report. The creditor investigated the dispute and it was resolved. I no longer dispute the remark. However, after the investigation, the creditor added a remark " Account disputed by consumer ''. I asked Experian to remove this as I released the dispute, and no longer disputed anything. They refused to remove it and advised that they have to get the creditor 's approval before removing it. The creditor says it can only be removed by the credit bureaus. This has been detrimental to my home loan application.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NM)

I submitted my complaint with Experian on XX/XX/XXXX for the XXXX time. When I pull up the case number my dispute does not appear and it will not let me dispute again. I have tried to call Experian during business hours, but the message states they are closed. 
The problem began with XXXX in XXXX XXXX in XXXX when they reported that I had XXXX late child support payments. I was XXXX military during this time, and the payments were automatically deducted from my pay. I learned of this negative information after returning from a XXXX in XX/XX/XXXX. I had tried to resovle this with XXXX & Experian around this time, but I was told the information was correct on their end. I recently uploaded the supporting document from XXXX ( XXXX pay ) to show Experian that I was never late and payments were deducted. XXXX & Experian have been negligent to correct this information. Please help me, it has been on my credit report too long. XXXX & Experian need to take responsibility for reporting incorrect information. My insurance rates and rental deposit rates have been higher, and my credit score has not improved as a result of this incorrect information listed under the negative items area.
Consumer complaint received 2015-07-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NE)

Leased a new vehicle from GM Financial. I asked to change the payment due date to later in the month when I received my next paycheck. I had made one payment at the dealership. The customer service rep told me that I had to make an additional payment prior to changing my due date. I have leased a car once before and this was not the case. This is an arbitrary rule that hurts the consumer. So because I decided to buy a car on the XXXX my payment is now due every month on the XXXX. Also the rep did not inform me that the call was being recorded.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (NY)

Settled debt with Zwicker & Associates P.C. ( XXXX ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northern Alliance Management, LLC (KY)

XXXX XXXX, 2015 XXXX - Have received more than 8 calls on my cell phone from XXXX. I called the number and asked why they were calling. Individual immediately hung up the phone. Called back four times until finally the same individual decided to speak with me. He identified himself as working for an organization called NAM, and gave their website as website nam-llc.us. I asked for his mailing address, and he told me to go to their website to get it. He then told me that he was calling on behalf of a debt from XXXX regarding a delinquent overdraft and mentioned XXXX. I asked him if this was an attempt to collect a debt and he said yes. I told him that I wanted no further phone calls pursuant to the FDCPA and that all communication with me must take place in writing. Found address on website as XXXX XXXX XXXX, XXXX DE XXXX. 

XXXX XXXX, 2015 XXXX - Mailed cease-and desist to NAM LLC at XXXX XXXX XXXX XXXX XXXX DE XXXX, certified, return receipt requested. 

XXXX XXXX, 2015 - Received cease and desist mailed to NAM LLC returned as 'return to sender vacant unable to forward. '' I checked the nam-llc.us website and found that it still publishes the same address that was returned as vacant.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Yesterday I received notice from my bank about an overdraft. I have been XXXX since XXXX and I have to be sure each month to budget my spending. As far as I was aware my mortgage is {$720.00}, but I have been paying an extra {$20.00} a month because my home insurance went up last year around {$200.00}. My account was drafted {$760.00}. I did not receive an XXXX bill or a letter about my mortgage payment increasing ; therefore, my bank account did not cover my increase payment of the extra {$20.00}. I was charged an overdraft fee of {$38.00}. Today I called my mortgage company, OCWEN to enquire about the new mortgage amount. The OCWEN representative stated it was due to my escrow shortage. I could not believe what he was telling me. On XXXX XXXX, XXXX I received a refund check from OCWEN. I called OCWEN before I cashed the check in order to know the reason I was receiving the {$430.00} check. I was told that they had to send me a refund for the overage in my escrow account. I told them that I wanted to be sure due to the ordeal I went through with in XXXX XXXX. They had claimed my payment was late and sent me threatening letters about foreclosure procedures. I had never missed a payment, or been late on my mortgage. I complain through CFPB [ # XXXX ] & OCWEN took the late fees off & did not report a miss payment to the credit bureaus. 
The representative told me TODAY that I should have not cashed that check and I should send it back. They are trying to ruing my credit. I applied for a HARP loan through OCWEN and was denied because the said my nontaxable income was more than enough to pay my bills. They claimed by law they had to add 25 % to my income for qualification purposes. I do not understand how I could have a {$430.00} overage in my escrow on XXXX XXXX, XXXX and evidently XXXX weeks later, I have a {$250.00} escrow shortage. OCWEN did not send me an XXXX XXXX payment statement or a letter stating an escrow shortage..
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Hello, My name is XXXX XXXX and I would like to find out if there is any way that you would be able to assist me in my current situation? I 'm going to try and make a long story short. Everything started in XX/XX/XXXX when I got a sub-prime mortgage loan through Wells Fargo and leads up to today XX/XX/XXXX. When it was time to go to closing, the loan officer that I was working with was no where to be found so they had to brief someone else about my account before we could proceed which pushed our closing time to a later time. Then I 've been battling unemployment and being sick and out of work so my payments have be sporadic but I 've always tried to stay in contact with Wells Fargo or work with a housing counseling agency, or lawyers. I 've been threatened with various foreclosures, and had to appear in court many times. For about 1 year now, I had to get a lawyer to file bankruptcy papers and my trustee payments have gone up XXXX. I was unaware that while in the bankruptcy that I had to continue paying my regular mortgage payments. This caused me to fall behind also. Now Wells Fargo attorney is sending me a notice for a Motion Of Relief to the property. I sent them their Attorney the money in XXXX and WF did n't receive notification until XXXX XXXX and again I 'm being taken to court. This time I do n't think it 's my fault because WF Attorney has a " hold '' on my account until their given instructions on how they want to apply the funds and now it looks to WF as if I had n't paid any mortgage from XX/XX/XXXX-XX/XX/XXXX and that is why I 'm being sued. I 've talked to WF XXXX times and they keep telling me they are unable to speak to someone in their Attorney office and in the mean time, this foreclosure is hanging over my head and I do n't have any where to go with my children nor do I have any money to put out to move. Almost every lawyer I have been to do n't really do too much to help me because they say that WF can do the things to me they have done. Now it 's the XXXX day in a row that I have been calling Wells Fargo and their Attorney still have n't given them instructions as to how or if the funds will be released so that my account will be current.The Attorney 's bankruptcy person ( XXXX XXXX ) can never be reached. I tried to call and left a message, ( XXXX a WF Rep. tried to call XXXX left a message ), ( XXXX another WF Rep. tried to call XXXX left a message and sent an email ), ( XXXX another WF Rep. called XXXX sent an email ), and XXXX XXXX a WF Rep. tried to call left a message and sent an email on XXXX ), and still no one has gotten me any answers yet. Wells Fargo is telling me to make my XXXX payment but I refuse just in case I have to move because they do foreclose on my house, then I need money for a deposit somewhere else. Believe me, its way more to this story but I 'm paraphrasing what 's going on now. What if anything can I do? I 'm looking forward to hearing from someone soon. I NEED HELP A.S.A.P. 

Thank You Kindly, XXXX XXXX
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I worked for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX XXXX in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XX/XX/XXXX/XX/XX/XXXX almost the same dates as I worked for them.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (WA)

I have been trying to get a loan modification from Seterus and they have done nothing but give me the runaround. There have been outright lies and deception on Seterus ' part and I feel CFPB should be made aware of their deceptive, unfair, abusive and misleading mortgage servicing practices.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed. 
TRANSUNIONS credit files does not support latest credit scores. These scores continue to drop.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators!
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I received a threatening " time sensative '' letter from Bank of America on XXXX/XXXXXX/XX/2015. The notice was in regards to a Partial XXXX XXXX they 're servicing on behalf of HUD. I was to sign these documents along side a notary and return them to Bank of America. Bank of America told me to contact them and they will send a notary to me. I comtacted them XXXX times, and no one could help me because my SPOC was never and has never been available. I even scheduled a time for someone to call me and they called on the wrong day and time. I am a single mom and am trying to do everything possible to save my home. I feel as if Bank of America is pushing me into foreclosure on purpose. I do n't even know what my SPOC sounds like because he has not XXXX contacted me. The craziest part of it all is that if your SPOC is n't available, their policy is that NO ONE else can assist you. How do they expect a customer to know anything if your SINGLE POINT OF CONTACT does NOTHING to contact you and help you save your home.
Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

I started a mortgage with wells fargo in 2014. I asked for the mortgage to be XXXX the mortgage ended up being XXXX. In order for me not have PMI for the life of the loan, I could have paid XXXX, which was the equivalent of XXXX. The house was valued at XXXX. No one from the bank disclosed to me that if I paid 10 % I would have been able to get rid of pmi at some point during the loan. I was at almost 10 % of the loan payment. Had I known this, I would have completed it. Now I have had to refinance and pay money to get rid of the PMI.
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OH)

I receive sometimes multiple calls a day from this number XXXX either as Name Unavailable or Receiveables. They do n't leave a message. Ringing my phone is very frustrating as I have an XXXX parent who may be trying to call me so I need to check the phone each time it rings. Please stop this nuisance!! And please insist that companies that accept credit applications CONFIRM the phone number before thay issue the credit.