davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

First I want to thank you because Wells Fargo has contacted me ever since I first sent a complaint. But all I do is get letters that they are still looking for that data. I lost my home by XXXX insurances on my property. The district Attorney of XXXX County explained the XXXX I had to pay every XXXX was an insurance to protect them, if I ever got behind. I was never behind until I am sure Wells Fargo sent someone who told me he could handle that and he did. But i was told to get a loan modification, I had to get behind on my mortgage. Eventually, I got 2 loan modifications which were later denied by Wells Fargo with first I did not pay my taxes which was a lie. The second one I got which I paid directly to Wells Fargo ( American Servicing Company ) was denied with another lie that I had a wife that put a XXXX loan on my property. I had no wife. Eventually, my deed of trust was sold with me losing my home and the XXXX dollars equity gone by constant quick sales of my property by other bankers. I was happy to know since I contacted you the first time Wells Fargo responded but with no solution. I lost my home and all the children I raised there because of Wells Fargo and XXXX XXXX who appeared to assist but was a thief also. I have the children I raised with XXXX grandchildren out of my life and I want restitution by senior abuse the bank did to me as a senior. I had never had a bank steal all my family equity and create me homeless with such fraud. You already have most of my information that I sent about 9 months ago. When I was at a workshop with the XXXX, I realized I can get money or something with how Wells Fargo and XXXX XXXX did to me. I made up my mind not to leave XXXX XXXX so I could continue to fight Wells Fargo, and homelessness that is happening everywhere by the banks and gentrification. I pay for my tiny office to stay here in XXXX, Have to pay for my storage, and the home where my daughter and I live in XXXX. I fight with the grassroots who keep me focused because I have discovered consistently how the courts have ego justice only for them and the corporations. So I am clear and precise I want my home back or I want the equity to assist my family. My youngest daughter, husband and XXXXsons moved t o XXXX because of injustice here. My oldest daughter whose husband died lives in XXXX with her XXXX children, My other XXXX daughters live in different parts of XXXX with XXXX children who are working hard by themselves based on the relationships they wrongfully chose in relationship. My home was always there for them and now it is gone. We seldom see each other as in the past. All my friends that grew up in my neighborhood are in pain because I in a way assisted them in growth. It seems as soon as I retired as XXXX senior abuse came after me non stop but Wells Fargo set up the worse experience to lose all the children I raised and loved.
Consumer complaint received 2017-01-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I have tried for seven yrs to get a lower interest rate from Wells Fargo the last time I was helped or screwed was last year I ask for a loan Modification and boy I got one the lady at Wells Fargo told me to take it or move out.She went up on my interest rate and went up on my yrs she added ten yrs to my loan instead a lower interest rate to help me. I was in the area were the states were hit hardest. I was underwater but she had no HEART for anything but Wells Fargo the Government gave them money to help people but they did not I have never seen such XXXX crooks in my life I begged for a lower rate but no we can not help you. I did not qualify for any government programs. But I live in the US and pay taxes in US. It is a shame that they get bailed out and I can not get a lower rate. And XXXX is just as bad they say we can help you we will talk to Wells Fargo but they just let them treat people anyway they want to. The government owns the loan but has no say so about the way Well Fargo treat it customers.They make millions and can not help the people that is hurting.I have really tried for a lower interest for the several yrs and I know they can help me but they want they had rather me move and sell my home and loose money because it is the US government losing the money not Well Fargo. Thank XXXX
Consumer complaint received 2017-01-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (PA)

Incorrect payment information. Use coupon book provided to pay XXXX payments at {$130.00} beginning XX/XX/XXXX and XXXX payment at {$130.00} due XX/XX/XXXX. Received email stating I owe XX/XX/XXXX payment which was paid XX/XX/XXXX. Called went over every payment from # XXXX due XX/XX/XXXX to last payment made # XXXX on XX/XX/XXXX with no resolve. Have all my cancelled checks for proof.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

i am very very upset while i understand the right the bank has to file foreclosure i want a loan modification and to pay please. I do not have time though i will if i have to to write a formal answer to the complaint. or the money. XXXX of the barriers is is my ex husband refuses to help me wtih the income taxes 2015. so i can apply for loan mod. I do have income now and can and want to catch up. PLEASE help me. filing this while i know you have the right to makes me very upset, stressed and i want to avoid it. PLEASE. i have XXXX and XXXX payments and soon will have more. I have gotten letters previously not helping me. I need to know how to pay. Please call only after XXXX and only at XXXX PLEASE. work with me. I have reached out many times and your system of sending letters is not helping. I have no money for fees so despite them being valid please remove so i can stay on the right side. and avoid taking any legal protections i want to avoid. i am working XXXX XXXX to catch up. HELP how do i pay? what is escrow shortage? who can i pay? can we set up a forebearance plan. my issue is without the ex husband doing the taxes 2015 as only he knew how to do it i am stuck I care i will do anything please. help
Consumer complaint received 2016-05-19
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Onity Group Inc. (NC)

I sent a notice to correct an error on or about XXXX XXXX, XXXX. Ocwen sent 2 separate letters stating that they would investigate and provide documents. Ocwen has failed to respond to the notice but have had counsel, its office of the Ombudsman and customer care inform me that the sale will proceed on XXXX XXXX, XXXX without any documents presented that no errors occurred. Documents showing that I have asked Ocwen for a response as early as this morning is attached. The attachment also supports that there are in fact errors that were made. 




MailBoxes Inbox ( XXXX ) Drafts ( XXXX ) Sent Spam ( XXXX ) [ Empty ] Trash [ Empty ] My Folders [ Edit ] Previous Next XXXX ' XXXX XXXX 's unbelievable how different your daily life can be with the addition of some smart tools. Free your mind to focus on the really important things. 
Notice to Correct Error Loan number XXXX Thursday, XXXX XXXX, XXXX XXXX AM XXXX as Unread From : " XXXX XXXX '' XXXXXXXXXXXX To : XXXXXXXXXXXX Full Headers Printable View XXXX XXXX XXXXDownload All PDFnccob response XXXX XXXX RE : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX Dear Sir/Madam : This email is being sent in response to your counsel at XXXX notification that the property will be sold at a foreclosure auction on XXXX XXXX, XXXX. 

Please be reminded that your office received a Notice to Correct an Error ( RESPA ) on or about XXXX XXXX, XXXX via electronic services. 

Your office has not responded to the error wherein your predecessor initiated the foreclosure before mailing the 45 day pre-foreclosure letter. In support of this failure to respond and as a means to show proof that actual errors occurred, I am attaching documents that are evidence of your errors. 

Please be advised that a formal complaint will be filed in Federal Court as a result of your inaction on the Notice to Correct the Error. 

A new complaint will be launched with the Consumer Financial Protection Bureau. 

Regards,
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$XXXX} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (AR)

I recently relocated to a new city/state and am in the process of buying a new home. I knew before applying for pre-approval that my credit scores needed to be in good standing before submitting an application. So I took a hit and took out some of my retirement savings and paid down most of my debt before applying. I used website like XXXX, XXXX, and XXXX to monitor my credit and make sure my scores were headed in the right direction. I pulled report from all three credit bureaus and saw that my scores were, XXXX, and XXXX. They all showed the same on all three websites. I even called XXXX, XXXX, and XXXX that those in fact were my scores. So I applied for pre-approval with Wells Fargo bank. They came back and told me that my score that they pulled showed my score at XXXX! Imagine my shock when seeing a XXXX point swing! So I called Wells Fargo and asked why such a huge discrepancy?? They said they had nothing to do with my credit pull and the report came from a company called XXXX. So I called XXXX, and they proceeded to tell me that the scores they provided came from the credit bureaus and I needed to call them. Zero help, from either place. All playing the blame game. So I called XXXX back and verified my score was in fact XXXX. I called wells Fargo again! No help, told me they had nothing to do with the numbers and did n't know what method was used to pull the scores that it was handled by XXXX! I called XXXX, again, and they told me their information came from the bureaus!! Not XXXX person could explain to me why there was a XXXX point difference in what I saw as my scores and what they saw as my scores! Not XXXX ounce of empathy or caring from any of them!! XXXX credit score barely qualifies for and FHA loan and means I 'll be stuck paying a PMI when I should n't have to. And these banks and companies could care less because they 're getting paid regardless! No one tries to help you and no one cares that you spent {$10000.00} of your retirement to put yourself in a good position for a loan only to be told your efforts mean nothing!!! This process needs to be fixed. We as taxpayers bailed these banks out and we are still treated like XXXX class citizens at best. It 's shameful, disrespectful and down right greedy.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had an overdue account for several months. However, in XXXX 2016, I paid my account in full. ( XXXX balance ) I talked to a customer service representative to get the payoff amount and I was given and paid that amount and told my account was current. On XXXX XXXX, 2016, I was told that current meant XXXX balance, but not necessarily active. Several weeks later, I attempted to use my card for the first time in 2016 and it did not work. Upon checking, there unpaid interest charges that were added after I was told the payoff amount. The agent refunded the charges but told me that my account was restricted and I would have to wait three weeks to be contacted about unrestricted offer. I was contacted today and told that my unrestricted offer was denied because their agent told me my account was current but never told me the account was active. However, they did not tell me it was restricted. As a result, I have an open account, zero balance, but an unusable line of credit. When I asked about getting it unrestricted, I was asked two personal questions 1 ) why did you account go unpaid for a few months 2 ) what do you need your card for. 

After I responded -1 ) financial difficulties 2 ) necessary purchase which I can not make with my bank debit card I was told that I did not meet the criteria. I asked why and the agent said - we can not disclose our criteria. Another option is to wait to maybe, not guaranteed, receive a mail offer to unrestrict where there is no criteria. 

I asked repeatedly for an explanation why? no answer. I feel I should get a reason.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I have been disputing incorrect information on my credit report. Equifax has not been following the protocols for disputing wrong information that they are reporting. I have received letter from the creditors that information sent to them did not have specific information of what I was disputing ( this was sent to them by Equifax ). The also with out my consent or knowledge put my account on fraud status. I was made aware of this by a creditor and cause time and effort to prove to them I was who I am. I feel this was Equifax retaliating.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

We have been trying to obtain a mortgage modification with Wells Fargo for a while. We were approved for a modification but because of a medical emergency we were not able to make our third trial payment. I contacted our home preservation specialist and she said that she would check to see if we could be a little late on the payment because he would be returning to work after a short time recovering from his XXXX. She said it was fine but that was not correct and we have not been able to get a modification approved since. Wells Fargo was more than happy to work with us when housing values were very low, but as they began to rise, they seemed to become less willing to help us. We have gone through several layoffs and periods of unemployment as well as XXXX medical emergencies-XXXX, XXXX and XXXX had a XXXX in XXXX 2014. Luckily, he has recovered from all and we are both working for stable companies and just want to stay in our home and begin making payments. We currently have a mortgage with a rate of 6.625 % and if we are able to stay in our home, we are willing to keep that rate and have our missed payments added to our mortgage. We are not looking for a handout or principal reduction. We just want to get everything back on track. Please help us. We have XXXX kids and love our house. It has been a very difficult time these past years and we want to begin to move forward and start making payments. Thank you for your help
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My credit card showed a fraudulent charge of {$1800.00} charged by a merchant I have never given business to. My credit card company has failed to address this despite repeated requests by me to have it reviewed and taken care of. They continue to have it on my balance and charge me interest. They took off and put it back on my card six times in the last six months, each time I think it is finally dealt with, then they put it back on my card. I have contacted the CEO 's office to get it dealt with and they still have not resolved it. 
I have never bought anything from XXXX and the {$1800.00} charge that keeps getting put back on my credit card by USAA is NOT MY CHARGE and I should not have it on my card or be forced to pay for it. I have had to pay the interest on it for months and months now while they still do not resolve the issue. 

USAA has provided absolutely horrible and probably illegal service on this issue and they still have not done anything to successfully resolve it. IT IS NOT MY CHARGE AND I WENT THROUGH ALL THE STEPS TO GET THEM TO DEAL WITH THIS AND THEY STILL HAVE NOT - IT HAS BEEN SIX MONTHS OF ME TRYING TO GET THIS RESOLVED! 

I am ready to hire a lawyer and do not know what else to do.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (DE)

I paid XXXX collection debts on my credit report I contacted XXXX to ask them to remove the debts that have been satisfied. they stated they do not remove paid collection debts and to contact the agency that placed the collection on my credit report.They did report the debts as paid but did not allow me to dispute to have them removed. I asked if I could dispute the claim and they said NO. I asked If I can speak with the manager to see if I can get any additional help and I was placed on hold for 10 mins. I decided to disconnect because I felt I was receiving improper treatment.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

Experian Report Number XXXX I have found numerous things wrong with this account on my report. 
On page 6, account XXXXXXXX XXXX In Account Info section : Recent Payment information is missing. Balance information is missing. Balance Updated information is missing. Monthly Payment information is missing. Highest Balance information is missing. Also, Status says Paid in settlement. # {$13000.00} written off. It should not say Written Off if it was paid. This is misleading. 

In the Payment History Guide : All information from the opening of the account through XX/XX/XXXX is missing. 

In the Balance Histories section : It shows a balance of {$5600.00} for XX/XX/XXXX which is inaccurate. Also on that same line it shows a {$0.00} payment on XX/XX/XXXX which is the wrong year. 

In the Comment section, it says Account paid in full for less than the full balance. How can an account be paid in full for less than the full balance? This is confusing and inaccurate. 

Please correct all of the information listed above or delete the account from my consumer report.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

We have a XXXX and XXXX with Bank of America. My husband and I have got caught up in the predatory lending of several years ago when the housing crashed. We continued to pay our mortgage, at XXXX point we were given a temporary modification ; however that did not solve the issue. I am well aware we make some bad decisions. When we signed the loan with an adjustable rate we were told it was only temporary and would only be within 5 years and we would be able to refinance to a fixed rate. 
We have repeatedly tried to get the loan modified to a fixed rate with a lower rate, currently we are paying 9 % adjustable and a XXXX at 12 % with a balloon.. We are paying over {$1800.00} for a {$200000.00} loan on a house that is not worth {$150000.00}. We made another attempt to have the loan modified, we were turned down. BOA turned down the modification, but stated they will support a short sale. We have been in this house over 21 years and have attempted to stay. They are basically saying they will give a lower rate/fair mortgage to a new buyer but will not work us ; with the customers who have paid faithfully when 'normal ' people in this situation would have walked away along time ago. We estimated we have paid them over {$200000.00} already. This should be a crime.
Consumer complaint received 2017-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have had a mortgage with XXXX and with SPS Loan Servicing Inc since XX/XX/XXXX 
I had a complaint which I submitted to CFPB in XX/XX/XXXX which was never resolved. 
I signed a Mortgage Modification with XXXX in XX/XX/XXXX and then subsequently with SPS Loan Servicing in XX/XX/XXXX. I have stated to the mortgage holders that my signing modification documents would not alter my claim against XXXX and this claim was initiated before I signed any modification agreement with XXXX and subsequently SPS. 
I am disputing any arrearages that SPS is now claiming from me because they have not addressed my past claim against XXXX. Please see enclosed letter dated XX/XX/XXXX wherein I have stated that XXXX capitalized our mortgage balance by {$170000.00} since XX/XX/XXXX which outlines the basis of my claim. My past claim number with CFPB was XXXX and it was not resolved with XXXX. I have substantiated these amounts with bank statements and escrow statements from XXXX and submitted them to XXXX. It was my understanding that XXXX submitted the documents to SPS when SPS assumed loan servicing of my loan in XX/XX/XXXX. According to my records, XXXX and SPS owed my mortgage account the amount of {$100000.00} for capitalization of erroneous amounts from payments not credited, excessive interest charged, and excessive escrow charges to the account. 
I have another dispute with SPS in that they have sent me a Cancellation of Debt Notice for {$210000.00} for the year XX/XX/XXXX. I have received a letter from SPS regarding XXXX on my loan for which I did not qualify and for which SPS granted the amount of {$71000.00} and not {$210000.00}. I have requested them to correct the debt forgiveness amount and so far I have no cooperation from them. 
Please see enclosed documents substantiating my claim against SPS. 
They have been submitted to your office in the form of a scan. 
I am requesting SPS to immediately correct the debt forgiveness form and to credit my mortgage account with the amount I am claiming since XX/XX/XXXX when I first contacted XXXX regarding this matter. My former CFPB claim number was # XXXX. 
Respectfully submitted, XXXX