davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo created an account for me and my girlfriend because we wanted to open a joint account. I had an existing account with them, and they said they would close it, and they never did. 
Consequently, I was charged monthly service fees and overdraft fees because the account had a {$0.00} balance because THEY XXXX the balance and lied about closing it. 
I spent days trying to get my account closed. I even sent follow up e-mails and no one responded to me. The reps I spoke with were XXXX XXXX from XXXX XXXX, PA, and someone named XXXX from XXXX. I also spoke to a female rep from XXXX who was extremely rude. They all lied to me and caused many problems, and costed me much money and time.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (FL)

As of XXXX XXXX, 2016 XXXX XXXX sold the servicing rights to my mortgage to a company called XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Co. 
XXXX. I have made numerous phone calls requesting monthly mortgage statement and as of today XXXX XXXX, 2016 I have not received statements for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX payments already paid. This is not acceptable. I want monthly statements reflecting all required infomation ie, balance, date payment received, allocation to interest/principle, escrow balance etc. 
The last phone call I made to the company a customer service person said they are having trouble with a new " Vendor ''. I still have no statements. Please help
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

On the date of XX/XX/XXXX, I made a phone conference to customer service of Equifax and they told me that I did not have any record of me because all of my credit report mixed up with my sister and my sister has same First name and Last name, but different Middle name, different social security number and different date of birth. Therefore, they asked me to fax the copy of my ID and SSN. On the next day, I faxed all of my documents to them. However, I checked with them after three weeks later ( XX/XX/XXXX ) and they told me that they did n't receive it so they asked me to fax it again and check back after 48 hours. On XXXX, I checked back with them again, they said they still did n't get it and asked me to fax again with another fax numbers. Then they asked me to check back after 48 hours again. On XX/XX/XXXX, I called them again and then they told me that they did n't receive it and ask me to fax it again. On the same day, I mailed my document with express mail. On XX/XX/XXXX, I checked back with them, they said they did n't get my fax and they also told me that they need 7-10 business days to find my mail. Equifax is the only one Credit Union that did n't have my credit report. XXXX and XXXX both had my credit report and did not mix up my report with my sister. I really wonder how Equifax solve the problem of customers because they prefer customer to fax the document to them, but they never get the information from the fax.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Describe what happened so we can understand the issue ... 
I am requesting that during this 60 day Investigation. That the items in question related to XXXX XXXX be removed from my credit report until the outcome has been finalized. This is part of the pending litigation pertaining to this matter as well. I am represented by a law firm and I am requesting that the site to be removed during the dispute and litigation. 

This is my second request. I have also disputed with the data furnisher twice.. 

cc : my attorney and authorized representative : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My loan was in default. I made arrangements with Seterus and applied for an assumption. It was approved, I made payments and then Seterus had my house up for auction and it was sold. I was able to stop the certificate of occupancy in time. Seterus admitted their mistake in court. This was in XX/XX/XXXX. Since then it has been a constant battle to get some sort of payment arrangement made. They keep giving me the run around. Saying this or that was not received. I have proof that all communications were received ( my own fax ) Most recent was a letter dated XXXX XXXX, XXXX saying they were in the process of investigating the issues I had brought up and will contact me. Yesterday ( XXXX/XXXX/XXXX ) I received court papers stating a motion to reset foreclosure sale date! I called Seterus today ( XXXX/XXXX/XXXX ) and was told " It looks like we are still investigating. " No other information. This is but a small example of all their evasive tactics to foreclose on my home ... .Respectfully, XXXX
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2016-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

On or about XXXX XXXX, 2016 i have notified Navient Loan Servicing about a Student Loan that was being reported to all XXXX credit bureaus with my personal information I have submitted a formal dispute under the Fair and Accurate Credit Transactions Act about the student loan account XXXX a total of XXXX accounts where being reported all having the same account number. I submitted a original copy of a police report per there request however they still continue to report to the credit bureaus that the account is valid. I also requested validation of the debt in which i received no response from Navient Loan Servicing proving that the debt belongs to me.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am filing this complaint because XXXX has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (FL)

On XXXX XXXX I contacted Enhanced Recovery - XXXX to settle my debt and spoke with representative XXXX who refuse to give me her last name because she claims she is the only XXXX that works in the office. I owed a total of {$260.00} and we settled the debt for {$150.00}. She told me I would receive my {$0.00} balance letter by email. The email I receives stated that after I paid the {$150.00} that I still owe {$110.00}. The phone call was recorded and it will be verified that we negotiated the debt settlement to be {$150.00} therefore I should not be receiving a letter that I still owe money. I received confirmation number of XXXX.
Consumer complaint received 2017-01-23
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jormandy, LLC (VA)

I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.
Consumer complaint received 2016-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS has not applied two payments made on XXXX/XXXX/2016 and XXXX/XXXX/2016 to our mortgage account. Both payments were made electronically using a service called XXXX. We have paid our mortgage payment using this same process for over 5 years and have not had this issue in the past. We have contacted them numerous times ( 10+ ) and submitted documentation showing the money has come out of our checking account yet they have not given us credit. They have not called us once since our initial call on XXXX XXXX and have not acknowledged receipt of any of our documentation until I call them to verify that this documentation has been received by them. I have had to pay XXXX additional monthly payments for the two months ( XX/XX/XXXX and XX/XX/XXXX ) to get the account out of arrears and requested this amount of {$3600.00} ( equal to two months of payments ) be refunded to us since I have paid XXXX payments for 2 months. No one is taking responsibility to get this done. Their billing statement has a " Error XXXX and Requests for Information '' section which references that borrowers have certain rights under Federal law relating to resolving disputes and says you can learn more about this on their website but there is nothing that I can find on their website that gives information on this. They also list their phone # but when I was talking to XXXX, a Supervisor in Executive Services Department he did n't answer the questions I asked about them having 30 days to resolve or respond to my inquiry and request.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

WELL I BEING TRYING TO REMOVE THIS ACCOUNT FOR THE LAST 4 MONTS FROM THE CREDIT BUREAU AND ALSO FROM THE CREDITOR, EXPLANING ALL MY INFORMATION WITH COPY OF MY SS AND MI ID CARD SO THEY CAN KNOW THAT THIS ACCOUNT IS NOT MY BUT THIS ACCOUNT STILL IN MY REPORT UP TO DATE.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC ()

The Mortage company failed to pay off my taxes in XXXX XXXX. I sold my home in XXXX XXXX, XXXX. The Mortage company Faye Servcing added on $ XXXX worth of fees on my account. Refused to tell me what they were for. To date the company is refusing to call me back, or follow up with me about my Escrow Refund of almost {$1000.00} I call them almost everyday for the last two months and only thing they said was the check should went out XXXX XXXX, XXXX but its just sitting there we will follow up within 48 hours and get the refund out to you. Now overtime I call they tell me they have to transfer my to my old rep or a supervisor who I also spoken with in beginning of XXXX who both stated they would get back with me within 48 and to date no money no refund. This company needs to be sued and I am further turning to over to an attorney for results and the way that I was and have been treated unfairly and violation of federal laws they have. broken to me. property address XXXX XXXX ga XXXX My account manager is very rude and sarcastic with me when I call. They just dont give a care
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (IL)

Dear sir or madam, Previously I was required to bring a CFPB Complaint, Complaint # XXXX, relating to this present complaint. Complaint # XXXX resulted in permanent mortgage modification documents, delayed nearly 1 year, finally to be tendered to myself, the borrower in XXXX XXXX '. Specifically, the modification offer and my acceptance originally occurred 1 year earlier, in XXXX, XXXX ', when XXXX XXXX XXXX was my loan servicer. 
My duties under the original trial/permanent mod offer were to make 3 trial payments, which I did and thus fully performed under our contract in XXXX, XXXX & XXXX XXXX. After XXXX XXXX XXXX received the final trial payment in XXXX XXXX ', it immediately sold my loan to Seterus , Inc . Yet again, I can not overemphasize, Seterus failed to send me the permanent modification contract, despite countless calls and letters, until XXXX XXXX. Please see attached. 

Between XXXX XXXX ' & XXXX XXXX ', servicer Seterus , Inc. repeatedly claimed it was in the process of generating the permanent mod documents. I now have discovered that during this same time period, Seterus and it 's attorneys continued to add to my account it 's attorney and other fees, fees generated by Seterus attorneys neither able to explain Seterus 's delay, or resolve it 's underlying cause. Such fees were the result of multiple court dates, mediation sessions, and correspondence with my attorney, ( also of course required to bill me for such time also ). Most notably, in Seterus letter of XXXX XXXX, XXXX, the date when the permanent modification contract was finally tendered to me, it 's Representative ADMITS the cause of the delay was Seterus 's own " system limitations ''. Please see attached. 

Yet incredibly, Seterus then immediately sold this loan to a new servicer, Selene Finance. But before doing so, added {$1000.00} to my account balance for the legal and other fees it generated during the time between XXXX XXXX ' when it acquired a fully performed trial/permanent mod loan, and XXXX XXXX ' when it finally overcame it 's " system limitations '' and sent me the permanent mod docs promised, but not delivered, since XXXX XXXX '. Please see attached. 
This action by Seterus resulted in a {$1000.00} charge added to my account with Selene Finance. I formally contacted Seterus concerning this matter, who now unfortunately fail to recognize it 's earlier admission that Seterus 's own " system limitations '' caused the permanent mod delay and resulting fees, and thus were charges I should not incur. Please see attached. 

Thank you so much for your prompt and just attention to this matter. I continue to be billed for these wrongful fees on my monthly Selene Finance account statement. Please contact me anytime if so necessary.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} Dear XXXX, I am writing in regards XXXX Credit account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/XXXX I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Fell behind on my loan modification and unable to catch up by the end of this month. Wells Fargo sends me a notice on XX/XX/XXXX saying I have to come up with {$2500.00} by the end of the month or face foreclosure. I ca n't do that. It is impossible. They do not seem willing to even work with me.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX re-aged XXXX of my accounts from XXXX XXXX. I sent copies of a credit report provided by XXXX with correct and original dates which stated that they wereto stay on my reports until XXXX 2016. XXXX deleted them on XXXX XXXX, 2016 but since put them both back onto my credit report. Equifax only deleted XXXX, refused to recognize the correct dates, stated that they lost my documentation eventhough they deleted XXXX off. XXXX is still reporting XXXX, after investigation they deleted the same account twice. I want to file complaints against all XXXX credit reporting agencies as well as XXXX XXXX XXXX for continuing to try reinsert these accounts knowing full well that they are in fact inaccurate. The very ones who are charged with theresponsibility of ensuring the accuracy of information continue to be totally inaccurate themselves.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: U.S. BANCORP (WA)

XXXX from XXXX in XXXX CA has called multiple times threatening to have me arrested if I do n't pay back an overdrawn bank account that was closed over ten years ago. Has used profanity on many of calls and physically threatened me.