davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lockhart, Morris & Montgomery Inc. (VT)

A lady called supposedly from Lockhart, Morris, & Montgomery from the telephone number XXXX. First of the time of the call was after XXXX when the website states that the office hours given by the website are only until XXXX. She refused to give her name and was looking for my deceased mothers information. She asked my father who was on the phone with her to send her a death certificate. My father said he wanted a letter stating the type of debt and the original creditor along with a request for a death certificate to be sent via mail. She argued with him insisting that he take down an address to mail the death certificate to her. He then said he was going to put me on the phone so I could discuss this matter with her. When I got on the phone I asked that she send us a letter confirming the source of the debt and how much it was totaling as well as a request for a death certificate and that only then would I send her a death certificate for my mother after reviewing the request with an attorney. She refused and started to argue with me saying I did not have permission to talk with her about it and that my father only gave her permission to give me the address to send a death certificate too. After arguing with her for about two minutes I hung up on her.
Consumer complaint received 2016-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (TX)

I was a victim of identity theft and noticed a collection from Lvnv Funding I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV Funding in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (AZ)

Our current mortgage servicer is Caliber Home Loans. Their attorney notified us in a letter dated XX/XX/XXXX16 of a sale date of XX/XX/XXXX16. We are asking to have the XXXX XXXX date set aside until our loan modification application currently under review with Caliber 's Mitigation department XXXX, OK, has reached a conclusion. Caliber 's SPOC requested additional documentation as of XX/XX/XXXX16. It appears that my wife and I are victims of duel tracking. ( Please see the uploaded document entitled " complaint '' for further details )
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I am in approximately {$260000.00} of debt from school fees that are all from my XXXX education at XXXX University. Many, but not all, of my loans have a 10 percent interest rate. At one point I tried to consolidate, and was turned down. I have XXXX individual private loans ( through Navient - formerly XXXX XXXX ) and federal loans ( through XXXX ). I left school with {$80000.00} in debt. Paying off this debt has been exacerbated by an egregious case of XXXX XXXX XXXX, for which I have been treated ( and had to leave a semester of school for ). I was officially diagnosed at XXXX, though I struggled with this condition my entire life and am currently in XXXX. I am addressing this because the XXXX played a role in my difficulty in initially negotiating, procuring, and then paying off these loans. Many have doubled. This has become an extreme XXXX burden. 

In contacting you, I am attempting to address my debt in a different way, rather than paying the minimum balance I can currently afford and watching the interest continue to accrue in a way that I feel exploits me. Apparently, I 'm wasting my money as a few lawyers indicated. I am hoping to explore my options. 

Throughout the process of seeking legal advise : XXXX lawyer advised me to file a Chapter XXXX bankruptcy claim.In addition, we were exploring the tenets of the XXXX XXXX towards whether or not anything was dischargeable. More than XXXX lawyer indicated that a strategic default was the best option and in doing so ; destroying my credit and providing for a hand-to-mouth off the grid existence. I have explored ; to no avail, almost every avenue of reconciliation which includes income based repayment, forgiveness, consolidation, forbearances, deferment, student loan companies, etc ... Another indicated that I try to find someone to take on my case pro bono or to represent myself pro se. And, another indicated the best option was to engage in a strategic discharge that I find to be ethically and morally reprehensible. However, I 'd be judgment proof apparently. This is not what I want to do! 

I 've been working XXXX hours a week for the last ten years of my life. I am tired, exhausted, scared, and these loans do not seem to be getting smaller, but rather larger. Im seriously concerned with my ability to have a life socially and economically because this debt is such a burden on me. 

I truly am not wishing to exploit this system and want to honor my debt. However, this is insurmountable and I do not see a way to pay off the debt in my lifetime. Are there other options for me to explore? 


I do n't have any idea what to do now ... I ca n't get out from under this seemingly insurmountable debt. I ca n't participate in the economy in any sort of meaningful way ( house, savings, XXXX edu, car, etc. ).
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP (NM)

I contacted my first mortgage holder, Bank of Albuquerque, in XXXX 2016 to discuss my options of refinancing my first mortgage and paying off my second mortgage with XXXX XXXX XXXX. I wanted to see if Bank of Albuquerque offered a first mortgage product to combine both mortgages, get a competitive interest rate, with a 15 year term, and to exclude escrow. Loan officer informed me the Bank of Albuquerque did have a product to match my request. We discussed the value of my property, current mortgage balances, loan to value under 70 %, employment status, income, debts, annual property taxes, home owners insurance, credit scores, information from my previous first mortgage application, and all other pertinent information consistent with a mortgage application. The loan officer told me with amount needed to combine both mortgages, the interest rate would be 2.875 % with a payment of {$1400.00}. I informed the loan officer that I would remove the security freezes from all my credit bureaus, as I am cautious about identity theft and believe it is best to be proactive. Once obtaining confirmation from all XXXX bureau agencies that the lifts have been completed, I informed the loan officer in XXXX that the bureaus were available. The loan officer told me he would proceed with my application. The entire application process from XXXX through XXXX included requesting income documentation, ordering and paying for an appraisal, several communication regarding property title, and general conversations regarding the status of the loan. Prior to giving the loan officer my credit card information for the appraisal costs, in XXXX, I asked if we are still at 2.875 % on the rate and {$1400.00} with the payment. He said, " yes and maybe even better ''. As I continued to believe the interest rate and payment was fully disclosed, I proceeded with the loan process and paid for the appraisal. 

It was not until I received the Interest Rate Lock Agreement with a rate of 3.75 % & payment over {$1500.00}, in XXXX, is when I realized that the rate and payment were improperly disclosed. The loan was final approved in XXXX. 

Improper disclosing of interest rate and payment, of a Primary Mortgage during loan application, has lead me to file this complaint.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (IL)

I do not know who this debt is from. I do not recognize any of the names, nor did I receive and communication from the debt. What steps do I have to take to get this removed? I believe it is FRAUD! I contacted Midwest Recovery and they sent me a " Final Demand '' Letter that is dated for today. Another way to say " SCAM ''!
Consumer complaint received 2017-01-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX. in XX/XX/2016 I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone 12 payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from Transworld Systems Inc. stating i needed to make 12 payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (CA)

I 've submitted numerous documentation to this company to verify that this account was n't mine. They 've told me numerous time 's that they 've removed this account from my XXXX report, but never have.
Consumer complaint received 2016-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (OR)

I got my loans through XXXX XXXX. They were taken over by Acs. I have multiple late payments on my account. I have disputed all of them and had some removed because Acs " had no record '' even though they had reported to credit agency they were late. After multiple disputes, I was able to get some off. I expreressed my frusterated to Acs multiple times that when they had reported these late payments that there was no person to talk to when I initially got my loans bought by them. It is not since this last two years have they changed their system. They will not now backdate any of my deferements or forbearance and are reporting I am late, even after I used their automated system to get my payments postponed. I told them my loans are being consolidated. I never have had any issues with my XXXX loans or when XXXX had my account, only Acs. There are multiple times I have applied for postpone payments and then they are showing up late. It is so hard to work with a company that is not accurate on reporting their information.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC. (TX)

I was contacted by Midland Funding LLC. They have filed a lawsuit # XXXX out of the XXXX XXXX # XXXX Judge XXXX XXXX in XXXX Texas, filed XXXX we have ahd this problem with XXXX concerning a different case. You have helped us in the past. We have a letter from the previous bank that reimbursed our account over {$5200.00} in XX/XX/XXXX. We have also have had credir card companies sending mail to XXXX XXXX. We have been married over XXXX years and XXXX does not get any mail for nearly XXXX years with the name of XXXX XXXX. The credit card company who sold the debt to Midland Funding was XXXX credit card. We never had a credit card of that name. I do not have the credit card # nor when it was issued. We only use our debit card when we do not write a check, we have paid bills on line with both our checking account and debit card. This has put us in an extremely difficult situation. We do not have the money to retain an attorney, so my husband is doing all the legal paperwork. Midland 's phone # is XXXX, the address is XXXX XXXX XXXX XXXX California, XXXX. Please help us if you can. My husband requested documents, ie signed application forms from XXXX and Midland Funding concerning where I signed the original application so we can prove that the signature will and does match my own signature. 

Thank You, XXXX XXXX ( maiden name on credit card ) Married name XXXX XXXX
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XXXX XXXX, USAA Federal Savings Bank notified us of suspicious login activity on one of our accounts. Someone had changed my password and PIN. As a result, they froze our accounts and denied us access to even see our balances. They said it would be two business days before the issue was resolved. After two days, they let us in to see our accounts, and we saw that someone had transferred money from savings to checking, and had committed XXXX unauthorized withdrawals. When we notified USAA, they told us they were going to keep our accounts frozen for another week while they investigated. Since then, we have had no access to either of our checking accounts or to our savings account, and every time we talk to USAA we get told they need " two more business days '' to investigate. We have been living off our credit cards for 14 days now as a result, and no one from USAA will call us back. 
In addition to the $ XXXX+ stolen by the criminals, we are now having multiple payments declined because of our frozen accounts, and are beginning to rack up penalties from creditors. We received a shut-off notice from our electric company yesterday afternoon. USAA 's inaction and refusal to communicate is beginning to cause damage to us financially.
Consumer complaint received 2016-07-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

A representative ( XXXX XXXX ) of my mortgage Company ( Wells Fargo ) took upon herself to deposit money into my mortgage account on XXXX/XXXX/XXXX without discussing anything with me ) as part of a presumptive close to an ongoing situation regarding the reporting of my mortgage to credit bureaus. She actually stated, " I 'm making a $??? adjustment to your principal balance to make this go away. '' When I informed her that there was still an outstanding offer on the table from the representative that reports to her, she stated that she would look into the existing offer and get back to me the following week. On XXXX/XXXX/XXXX without any notification from anyone at Wells Fargo, $??? was removed ( debited ) from my mortgage account. There was never a discussion of the credit nor debit of my mortgage account in the amount of $??? before the transactions were done. The $???? adjustment was a separate discussion from the initial offer as an attempt to resolve this issue. Wells Fargo should have never withdrawn monies from my account with discussing with me in advance. Wells Fargo presumed that depositing monies into my mortgage account thereby reducing my principal mortgage would " hush me up '' and make me " go away ''. It is very disappointing to see big banks push their customers around when the customers actually discover the bank 's mistakes on more than XXXX occasion.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I opened a Capital One Credit Card account ( Ending # XXXX ) in XXXX XXXX, I then had unexpected medical bills in the amount of {$90000.00}, I unfortunately had to file Chapter XXXX bankruptcy on XXXX XXXX, XXXX, It was discharged XXXX XXXX, XXXX, I submitted all the necessary paperwork to Capital One but am still being billed, have been paying them since XXXX, Am I entitled to monies spent refunded?
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TN)

I have applied for my XXXX credit report. I was told I had to send information to show who I was. I provided my state id and social. I have yet to receive my credit report. I did get a letter from the agency again asking for the same information
Consumer complaint received 2017-01-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I received an email as an alert from Wells Fargo with the following text : - " We have updated your contact information Home/Permanent Address '' The problem is that I closed my Wells Fargo account more than 2 years ago, which included checking and savings account. I also stopped using the credit card and my account was closed by wells fargo. I have n't used any Wells fargo services or their credit card in the past 2 years. 

I contacted Wells Fargo and they had my latest address on file. I have no idea how they updated it. They asked me to disregard this message. 

How was Wells Fargo able to update my personal information without my authorization?
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (DC)

I signed up for Experian credit monitoring service. I had a score of XXXX on XXXX XXXX, 2016. When I logged in again on XXXX XXXX, 2016 just 6 days later, my score had dropped to XXXX a deficit of XXXX points ( XXXX-XXXX ). I have since called Experian over a dozen times to correct an obvious " glitch '' or what have you and they have failed to : assist, provide any feedback, and/or correct this! This is quite frankly ruining my life and future pursuits. Between XXXX XXXX and XXXX XXXX, there were no changes to any of my accounts to have prompted a XXXX points decrease. If anything, I continue to pay on my XXXX credit card account which should have prompted an increase NOT a decline. Whenever I call Experian, they apologize but are unwilling to help. I was given this ticket # : XXXX and was informed today that although my ticket was " escalated, '' it still has not been looked at. I am beyond livid and exhausted at this point. Each representative I have spoken with ( more than XXXX ) seems to not know what happened but are just so incompetent and unwilling to " go the extra mile '' to assist me with this.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

I have medical Ins and this and my co-payment is XXXX and then people are playing game with my credit and it cost me an apt . any way I filed a bankruptcy in XX/XX/XXXX. I have a bill that was put on my credit in XX/XX/XXXX there is no way that I have a medical be that high ... for a co-payment for XXXX when its only XXXX los t looked back on my credit report and the y put things back on there for a Bankruptcy from XX/XX/XXXX. that not legal. so I am file this with you and if they do n't remove that off my credit I will take them to court for there dirty fraud and harassment. there was a person from this company who called me one day and say if I did n't pay this that they were going to keep calling and get me fired from my job. well my supervisor was sitting there so I gave there the phone and they stop calling and now there calling again.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

My property is scheduled to foreclose on XXXX XXXX, 2017 and I have a good solid buyer. I owe {$860000.00} and I have a buyer which will pay the balance of the payoff. Unfortunately, I have several liens on the property and I have filed bankruptcy and had to go to the trustee to get permission to sale the property and once that was done, we had to go back to the bankruptcy court to get a motion to avoid judicial lien for XXXX liens. Once we did that we thought we had smooth sailing. However, we were scheduled to go to the closing table on XXXX XXXX, 2017 and that is when the IRS Lien came up at $ XXXX. We are now in the process of getting a partial lien release from the IRS and as you know they do not move very fast and it was relayed to me that they will not have that done until XXXX XXXX, 2017. I just need the additional time to get this closed so that I do not have the foreclosure on my credit and my lender is being unreasonable and not doing what the government says the lender should do which is provide me with an alternative to foreclosure. This is not a short sale, this is a regular sale paying off my insurmountable debt that I owe to SunTrust mortgage. My integrity has already been compromised by my having to file bankruptcy and by me losing my home, I just need a chance and some help to get this done. I phoned the lender this morning, and they had me phone the foreclosing attorney, who had me call the lender back. I NEED HELP!!!