davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Western Portfolio Assets (OR)

My family and work received calls from scammers claiming to be XXXX on the verge of XXXX my property for a debt. They also called my work and harassed them claiming to be a law firm. My boss told me to take care of it immediately as calls like that were unacceptable at the workplace. I paid {$900.00} to supposedly a XXXX law firm. My wife called shortly after and said she called XXXX directly and not the ( XXXX ) number left and was told it was a scam. I spoke to sheriff and called bank to stop transaction. Even though I explained the person I gave info to was not who they claimed and I had been scammed the bank would not stop transaction. Furthermore the bank would not let sheriff have access to my account and when disputed claimed it was not fraud because I received what I paid for. I paid no debt off, my money is gone and the company that actually took the money out was not XXXX or this XXXX law firm it was western portfolio. How can they get away with this and how can XXXX Bank get away with claiming it was n't fraud.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC (CA)

I had a XX/XX/XXXX Honda Accord, which finally not working in XX/XX/XXXX after running for about 17 years XXXX totaled XXXX miles ). The car was filed as non-operational with XXXX. So, XXXX day some guy left me a note on the car asked if I 'm interested to sell the car. I called the guy and he came and towe the car away. I ask the guy for his personal infomation and went to XXXX and filed the release of ownership ( see attached XXXX record ). However, a few weeks later, I received a letter from the Police saids my car was parked on the side of the freeway and then was towed to a towing yard. At the same time I received a collection letter from Finex Group, acct # XXXX saying I owed {$2900.00}. I called and told them the car is not mine anymore, but they keep insist that I 'm still the owner. I told them I have the XXXX record to show the car is not mine anymore. However, they refuse to remove from collection. I think this is some kind of scram. They purposely buy cars from owners and left them somewhere and then have towing company tow it to their guarage and trying to collect from original owner. I would like CFPB to seriously look into this matter and have this item remove from my credit report. Thank you so much. XXXX
Consumer complaint received 2015-11-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (WA)

My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure.
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I have been trying to dispute this judgement with Equifax several times. Equifax is closing these disputes with out making the proper investigation. This public record does not belong to me. This belong to my father XXXX XXXX XXXX. Please communicate with XXXX XXXX XXXX XXXX at XXXX to verify information as date of birth and social security.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been trying to obtain a loan modification, the lender has just put me on Repayment plans that I can not afford. I have currently applied for a modification and until XXXX day they are telling me that they got the documents.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

I have a mortgage through Wells Fargo. After several months, I saw an offer from their website saying I could obtain " significant '' savings on interest and cut years off my mortgage by changing from monthly to biweekly payments. I elected to do so, and only months later did I learn that the bank merely holds the first payment and does not apply it until the XXXX payment arrives. I was led to believe that payments had to be applied when received. I sent them an email saying I believed their practice is deceptive at best and predatory at worst. The question is, is it legal for them to do so? Is it legal to do this without proper disclosure? I requested that they retroactively apply my XXXX biweekly payment each month to the mortgage on the dates they are received. They refused. I spoke with an officer at another bank who said doing so is " common practice '' in the loan industry. If so, and if it is legal to do this without disclosure, then please ignore this complaint. If not, then I wish merely to have my payments applied as of the dates received and a new amortization schedule sent to me. Aside from this, I am quite satisfied with my bank. **Please note that on XXXX XXXX, XXXX XXXX sent me a letter fully explaining that the biweekly ( " partial '' ) payments are withdrawn from my bank account and placed into an " unapplied funds account '' until the " full monthly payment '' is received. XXXX sent me a new amortization schedule as well. Further, she said the bank is placing a " XXXX-day hold on any negative credit reporting '' for my account to ensure no " adverse information was sent to the consumer reporting agencies while we researched your concern ''. The wording sounds like a potential threat that the bank could ( if it so chooses XXXX send " adverse information '' to the credit reporting agencies because I sent a " concern '' their way.
Consumer complaint received 2015-11-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION (VA)

Received a phone call on XXXX from Office of XXXX, pretrial mediation stating I owed XXXX to a payday lender that have never received money from. The caller was named " XXXX " who refused to give me any information as to contacting Check N go. I went online and found a contact number, spoke to a representative whom I asked if my name and last XXXX of my digits have been in the system past or present. The answer was no. I smell a scam. 
XXXX phone # : XXXX
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (FL)

a incorrect reporting by cavalry portfolio on my credit report shows that i have a collection account of {$1400.00} I have no knowledge of this debt when I requested investigation by both the credit agency 's and the creditor I got no response from them and then only a letter from the credit agency 's that they were going to update my credit report to show i disputed it. account number XXXX
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For XXXX : I entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, Im guess because its mulitple accounts. i called to inform them of this. XXXX have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (DC)

USBankcorp issues the XXXX card, which part of the benefits they provide for the varying Annual Fee is a Bonus Award Night on any award stay of 2 nights or more. Today, XXXX XXXX, USBank and XXXX XXXX have removed that benefit effective XXXX XXXX, though their XXXX website is still showing this as a benefit of the card. 

I recently applied for the card and was approved on XXXX XXXX, I applied specifically because of this benefit and will not actually be able to receive the benefit that was offered as it takes USBank and XXXX 4-8 weeks from the time of the account opening to give the initial bonus points on sign-up and consumers are given 90 days to earn the additional bonus points, this is beyond the less than 2 months notice provided by the card of the change. 

I contacted USBank to ask them if they were waiving the Annual Fee or pro-rating the Annual fee due to this significant change to the product ; I was told that they will not. 

This amounts to bait & switch, both companies advertised a product with specific benefits to get me to sign up for this credit card ( a product they are still advertising with no notice the benefit will end on XXXX XXXX, which shows intent to defraud customers while continuing to gain new applications ), have a Credit Report pulled ( which stays on my credit for 2 years ) and then shortly there after, removed the advertised benefit while still expecting me to pay for the new lesser product which I am not interested in.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

We have a subprime loan ( First 10 yr Interest only ARM, then 20yr Principal, Interest, Escrow & ARM ) with American Servicing Company aka ASC, a subsidiary of Wells Fargo. It was originated with XXXX and sold to ASC in XXXX. We are seeking assistance to get ASC Well Fargo to agree to accept the release of the second lien holder letter with XXXX XXXX XXXX under the HAFA Short Sale agreement. We also would like Wells Fargo ASC and XXXX XXXX XXXX to provide a closing extension to end of XX/XX/XXXX with current buyer based on current short sale approvals. 

XXXX has agreed with my husband and I to a workout agreement as stated in the letter but has stated that they ca n't waive the deficiency. Wells Fargo is stating according to HAFA that the second lien holder which is XXXX XXXX XXXX has to waive deficiency also and state it in the letter. This has caused a delay in closing and possible restart of short sale process. Now because of the verbiage not to waive deficiency in letter with XXXX XXXX XXXX, we are being forced to file with Wells Fargo ( ASC ) as a traditional short sale, lose our home affordable consumer rights and relocation assistance. I spoke with a counselor from HAFA who indicated that the first lien holder which in this case is Wells Fargo ASC is required to waive deficiency because they filed the paperwork with HAFA. The counselor indicated that subordinate lien holders were n't necessarily required to waive deficiency, it was optional. 

We are underwater in our home value and behind our mortgage payments with Wells Fargo ASC since XX/XX/XXXX. I 've been under tremendous stress in dealing with Wells Fargo ASC. And all the back and forth between both lenders. I have small children and I 'm a XXXX patient with XXXX when under stressful situations like this. Recently we became caregivers for my mother who just had XXXX. 

We 've been in our home for 10 years and was denied by Wells Fargo ASC loan modification to put the first mortgage into a low fix rate. We did n't qualify for a HAMP because a private equity investor backs our mortgage through Wells Fargo ASC. During the loan modification as with the short sale process, I fell extreme duress because ASC home preservation department padded my file requesting incessant information regarding detail copies of our trust and life estate, having us to sign official forms stating that we live in the home, our mailing address is a postal box, constantly questioning my husband 's income and potential earnings and having us sign off. We ca n't afford to pay the balloon mortgage payments that increased our payments to {$2200.00} with ARM ( {$2400.00} because of ARM in XX/XX/XXXX ). We would like some relief.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

purchased a XXXX XXXX in XXXX from XXXX paid off in XXXX received ttitles in XXXX traded it in XXXX to XXXX XXXX XXXX texas XXXX, they reported was reported on my credit XXXX/XXXX/XXXX {$1000.00} why would I have the titles if I had a balance, I do not owe anything, please remove off of my credit report
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.
Consumer complaint received 2015-10-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: D. SCOTT CARRUTHERS (CA)

Keep calling my place of employment and speaking to others about my personal information. My company does not allow personal phone calls. They are threatening that they are going to send sheriff out to arrest me at my place of employment. They claim to be from a law office. He also told me he knows my social and could destroy me if I do n't pay over the phone
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX American Express credit card payment was due on XXXX XXXX, 2015. I always pay the bill electronically 3 or 4 days in advance. On XXXX XXXX, 2015 I logged in multiple times to authorize payment. The system would not let me put in a payment with a date of earlier than XXXX XXXX, 2015. I assumed this was because of the holiday and went ahead and authorized payment as early as it would let me. Now I get the bill and see that there is a {$25.00} late fee and {$35.00} interest charge on a {$1700.00} balance. I always pay in full ; I never carry a balance. If they did this to me I would assume they treated everyone who logged in on XXXX XXXX to pay their bill the same ( would n't take the payment until after the due date ). I have no other way to pay but electronic -- - I do not get a statement ; everything is on-line. So on XXXX XXXX it was not possible to pay a bill electronically with a due date of XXXX XXXX. This never happened before and I believe it is just not fair.
Consumer complaint received 2015-11-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP (MI)

I paid the debt directly to XXXX XXXX XXXX on XXXX XXXX, 2015 for {$240.00}. The collection agency Congress Collection Corp has harassed me by calling me at work and sending threatening letters since that date saying I still owe this debt. They have written a negative message on my credit report.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I refinanced with PennyMac in XX/XX/XXXX. I signed up for bi weekly payments in order to reduce interest and shorten the term of my loan by making an extra payment every year. In XX/XX/XXXX, I requested that they suspend a payment so I can keep the principal only payment. The payments continued to come out of my account. As of XX/XX/XXXX, the bank has mismanaged my payments and suspended payments causing multiple problems with my account. My principal and interest payments are incorrect and the account still has n't been resolved as of today, XX/XX/XXXX. I spoke with multiple reps, but just started keeping track of reps that I spoke to. On XX/XX/XXXX, I spoke to XXXX at ext XXXX. Then on XXXX XXXX, I received a collection call from XXXX requesting a payment. Then I received a collection letter dated XXXX stating my XX/XX/XXXX payment was never received even though I am on a bi-weekly payment plan. Then I called on XXXX XXXX and spoke with XXXX at ext XXXX who said she would request a complete analysis of my account from the first payment. I had a scheduled payment that was supposed to come out on XX/XX/XXXX that has not come out yet. As of now I am paid up for the month of XXXX, yet my account is still in the collections department.
Consumer complaint received 2015-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Continental Finance Company, LLC (CA)

I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the XXXX mail, a XXXX weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the XXXX mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.
Consumer complaint received 2015-06-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MD)

On XXXX XXXX, 2015 I was online trying to book some tickets XXXX. When I went to purchase the tickets and try to use my bluebird XXXX American express XXXX credit card number the transaction was declined. I then had to use another credit card to purchase the tickets. A few minutes later I went to pay something with my bluebird card and was denied again. I logged in my account and found that the transaction for the tickets XXXX was pending and taken out from my bluebird balance. I called American Express and they told me to call XXXX and that they would reverse the transaction. I then called XXXX and was told that they are not allowed to reverse transactions that bluebird had to put the money back in my account. After an hour of back and forth I was told by XXXX Employee No : XXXX ( manager from bluebird ) that they could not put my funds back in my account until XXXX working days, How could they hold my money for XXXX days for nothing that is my fault. Who is making the interest on these funds while they are in pending transactions. Is this legal?
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Collection Technology Incorporated (IL)

I have recently had a wage garnishment put in place. I have lived at same residence for 10years and never received any documentation. I have been trying to work with Collection Technology Inc and they have been extremely rude and very difficult to deal with not returning phone calls not sending paper work, etc and so on!! I know that it is there job to collect debt but I do n't believe I owe as much as they say and I was pretty much told that is what told that is what total is and that is that! Just called them XXXX/XXXX/15 @ XXXX central time, was told we are in a meeting we will call you back and hung up on! Not sure who their CEO knows within the Department of Education for them to be able to buy this debt and then immediately start garnishment and withholding tax money.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (GA)

I had a credit card with CitiBank and moved to a new address a few years ago. Upon moving, I notified them three times to change my address and phone in the system, but they could and still have not gotten it right. They sent my bill to the wrong address then reported a 60 day late to the creditors without even trying to contact me. When I finally realized I owed them money, I paid the balance off in full since it was such a small amount and the guy told me they would take the late off. Three years later it is still on my credit reports despite my numerous calls, letters, emails, and attorney letters. I am now taking legal action and which is just more wasted time on my end and more money dealing with these guys.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar continues to tell us that there is no scheduled foreclosure sale date on the subject property, however, the borrower received a notice of trustee sale. Today, I talked to Nationstar and was told that once again there was no notice of sale. I called the trustee company and much to my surprise, the trustee company is owned by Nationstar. This trustee company said that they have not recently been specifically told by Nationstart mortgage to foreclose, however,. the file had a notice of default filed in XXXX and therefore a notice of trustee has followed. There is NO DATE on the Notice of Sale, NO SIGNATURE on the notice and NO RECORD OF RECORDING the notice on title. It was simply POSTED to the borrowers door.
Consumer complaint received 2015-11-30
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC. (TN)

Navient, the loan servicer for XXXX XXXX Student PLUS loans will practically harass you by calling at least 10 times a day and when you answer the call in attempt to make payment arrangements based off of your income become rude, insensitive and almost hostile.