davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I have been trying to get my loan straightened out for over 2 years. I must admit that I am partially responsible because I took some bad advice. I got behind in my payments and my problems seemed to just get bigger from there. I have been trying to get a loan modification through my bank and have sent in the same paperwork on at least XXXX occasions but ca n't seem to get enough. I have tried since XXXX 2014 XXXX last time and I had to file bankruptcy to keep the bank from putting my house up for auction. I thought I had all the paperwork in but I needed more. I have been trying to get my house payments figured out so I can start making them while I am trying to get the modification but I am having having no luck. I have called the bank to try to get some info and no one at the bank can seem to give me a straight answer about anything. I keep getting transferred from XXXX no nothing to the other. I had a person that was supposed to be my contact but he keeps transferring me to other departments and I have been on hold for up to XXXX min on numerous occasions and coming away with nothing. I have sent many emails to my so called contact that tells me he will check my account and get back to me but never does. I have sent letters to the banks ethics dept on several occasions about the problems I am having and they keep sending me the phone number of the same person. I have been trying to straighten all this out constantly over the last couple of weeks but am getting nowhere slow. Not XXXX person I have talked to at the bank can figure out how much my payments are supposed to be or anything concerning my account. All I want to do is to get some answers so I can start making my house payments on a regular basis as my house is going to go back on the auction block on the XXXX of XXXX. I am a XXXX year old XXXX XXXX vetran with some serious medical issues and the stress is not helping my situation XXXX bit. All I want to do is get some straight answers no handouts and nothing free and move on with what I have left of my life and not wind up on the streets. I have a lot of the emails I sent and received however I did n't start doing that until the last week. thanks for reading this. XXXX
Consumer complaint received 2015-06-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I started the modification ( RMA ) process with XXXX in XXXX of XXXX After processing reams of paperwork, all of which were redundant items asked for over and over again, a modification was given in XXXX of XXXX. I was put into a 3 month payment trial which I lived up to. In XXXX regular modified payments began. I was sent the modification agreement to be signed and notarized in duplicate. I signed and had notarized both and sent it in, but put a note on the bottom stating I was signing under duress as I was told this would be a principal reduction. It was a standard modification. They called and told me they could not accept this with the note and would not do the mod with the note. They said they would send XXXX more forms for the original mod agreement. After 5 days I called and they said they had sent it. The woman I spoke with, XXXX XXXX on XXXX/XXXX/XXXX asked me if she could fax it to me. I agreed, she faxed the form, I made a copy of said form and proceeded to have both notarized and placed my original signature on both. Sent it in through regular mail and they in turn called to say they do not accept fax copies! The form itself was a fax sent by them! The signature and notarized RAISED stamp were original. I said you people sent the fax. What are you talking about? Well, the person faxing should have told you we did n't accept faxes. Why would she have faxed me then? Here we are after being told they were OVERNIGHTING another mod agreement XXXX, said which never came. Called again and was informed I have been put back into foreclosure!! Something untoward is going on here. The only explanation that makes any sense to me is they are attempting to get out of doing the mod already offered and payments accepted until the last XXXX I sent and they received on XXXX XXXX. They refused the XXXX XXXX payment ( of which I have proof of them receiving on time through XXXX XXXX ) so now they can claim I have n't paid, I guess. After nearly three years of being put through a ringer when I qualified from the very beginning and to now have them pull this kind of under-handed game with the roof over my head is reprehensible and unconscionable.
Consumer complaint received 2015-04-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Late XXXX I obtained an auto loan wit Credit Acceptance Corp . I am under the impression that the principal ammount of this loan was XXXX. I paid XXXX down, and made monthly payments of XXXX for 15 months. I later crashed this vehicle, and defaulted on the loan. The vehicle was returned in salvage condition. In XXXX a judgement was entered against me in the ammount of XXXX. My wages have since been garnished. I have paid an additional XXXX through income execution. In XXXX I attemted to get an update of the remaining balance, only to find that I owe in excess of XXXX. I spoke with the sherrifs office, because they have the order in XXXX XXXX NY. They tell me I have to deal with the lawyer. I call the lawyer I 'm told I need to speak with Credit Acceptance Corp . I call Credit Acceptance, I 'm told, " they have sold the debt ''. My issue is the constant running in circles while my wages are garnished, and the ammount I owe rises. How is this possible? This was a XXXX Doge Intrepid purched used with XXXX miles in XXXX XXXX. This vehicle brand new with XXXX miles only cost XXXX. How is it I still owe XXXX after having already paid XXXX? on an XXXX dollar loan? I feel this is Preditory, and Unconcionable. Please help. My wife and I are expecting our XXXX child and I am the only income for our household. I can not afford to pay continual garnishment, and I feel this debt has been paid. I understand that the principal ammount does not include interest however I feel I have been victim of Preditory lending. This judgement remains on my credit report despite the number of times I have desputed it. Please help
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NM)

Since XX/XX/year> neither I nor my husband have been able to obtain our Experian credit reports through XXXX Each time we try we are rejected with the message " A condition exists that prevents Experian from being able to accept your request at this time. ", and told that we must submit a written request for our reports. 

I am at a loss to understand what is wrong with Experian. We have had no issues with the other two credit reporting agencies. We haven't had to submit any corrections to our credit histories in many years and we haven't been targets of identity theft. A quick Internet search shows that this is not an unusual problem for other people either. I am left with the impression that Experian is deliberately attempting to circumvent the Federal requirement that consumers have free and easy access to their credit reports.
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Bank is pursuing a foreclosure on a property that has attached Ohio dower rights to it, that have not yet been applied. Moreover, signed affidavits prove several layers of " robo signing '' with non existent notary public 's and fraudulent conveyance history existing over the life of the mortgage loan. The husband in this matter filed a chapter XXXX bankruptcy and abandoned any connection to the property, while the wife is left to pursue her rights, as she is a victim of an earlier crime caused by the husband, which led this case into foreclosure to begin with. The Attorney General 's Office indicated the need to contact the Office of the Comptroller of Currency who said they have alerted your offices to this matter. This complaint is being made to validate their concern on this particular case and to bring overall resolve to this issue.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NE)

My lender, Wells Fargo, continues to increase the required amount of flood insurance. Under the FDPA, the minimum required is the lesser of the loan amount, the insurable value or {$250000.00}. While I fully understand the lender has the option to require more coverage, in this case, they are causing undo hardship by continually increasing the required amount of coverage and therefore the premiums. This is causing customer harm and even though my agent has discussed this with Wells Fargo at great length in the past, they refuse to review and continue to provide the standard " we are protecting you '' answer. I understand the necessity of flood insurance but my loan balance is well below the amount of insurance I carry on the home. This is my choice as an informed consumer. It should also hold true with the amount of flood coverage I choose to obtain as long as it meets regulatory requirements. 

I know this will be future to submit a complaint as I 'm sure I will get the " lenders can determine the minimum amount ''. Yes, I work in the mortgage industry but I fell Wells Fargo is being unfair and causing undo hardship by this requirement
Consumer complaint received 2015-04-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central States Recovery, Inc. (TX)

I received a phone call from Central State Recovery in XXXX Kansas. She stated that I owed a medical bill of {$180.00}. I paid {$90.00} and due was due to pay another {$90.00}. Due to fraud on my bank account and XXXX Insurance data breach and credit card fraud. My accounts were closed. I received a text message from my previous employer stating XXXX XXXX contacted his wife at home in reference to this account. I called the number and was informed of a returned check. I advised that it should not have been returned. Due to the fraud on my account nothing was clearing my checking account. I asked how they contacted this lady whom I have seen XXXX time in XXXX years and does not know me and they said they just did a XXXX Search and obtained the number. XXXX Search lists over XXXX numbers on file and they contacted several numbers leaving my name and information on voicemails. When I spoke to the manager she stated that they did nothing wrong and I should have had XXXX numbers on file and this would not have happened. I advised her I received no call in reference to this. I have NEVER received ANY letter validating the debt and they to date have not provided XXXX. They submitted the {$90.00} to my credit report of a debt that I have no letters confirming my rights as a consumer or the debt company.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We submitted a short sale offer for review on XXXX/XXXX/2015. The file has XXXX as the investor, and the offer was also submitted to them through XXXX. We were never advised until we called several weeks later that the file was declined by Wells Fargo on XXXX/XXXX/2015. They refused to open the file for short sale review despite XXXX telling us they had not right to negotiate the file. After multiple calls we were able to have file re-opened. All along we advised our concern was the pending sale date of XXXX/XXXX/2015. We are not being advised by Wells Fargo the offer was declined although XXXX never acknowledged they received the file from them or countering our offer to provide an opportunity to get the short sale approved.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (OK)

At approximately XXXX on Wednesday, XXXX XXXX, I received a phone call from US Bank. I do not remember the representative 's name. I was however, only verified with the last XXXX digits of my social security number and nothing else. He proceeded to tell me that he was calling because he was showing that my car payment was past due, and that the payment was due on the XXXX of XXXX. I was NEVER read a mini-miranda statement before this conversation happened. I let this representative know that the reasoning behind this payment not being made on the XXXX is because I called US bank on XXXX/XXXX/2015 at approximately XXXX, and spoke with a representative whose name was XXXX, and she changed my due date to the XXXX. That I was told that it would take approximately XXXX days for this payment date to process within their system. I asked XXXX is I would receive a new statement, and was told that I could just mark the XXXX off of my current statement and write in the XXXX. He stated that their system does show that my due date is the XXXX but for the next billing cycle, and if I do n't pay my payment by the XXXX that I would receive a late payment charge on my account. I told him that I was told to pay on the XXXX of XXXX, so I do n't want to make a payment today, because I was told that the due date is the XXXX. He then proceeded to tell me that I should definelty dispute this, meaning that I should call them back to dispute this. I told him that he called me, that I wanted to speak with his manager in regards to disputing this information. The representative came back on the phone and stated that I would need to speak with the customer service manager in regards to this dispute because his manager would not be able to help me. I was then transfered to XXXX. XXXX told me the same thing that the previous representative told me. I let him know that I would be contacting the CFPB in regards to this, because this is a UDAAP issue. I will not be making my payment to US Bank until the XXXX because that was the date that their repesentative stated that my payment was due.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX : XXXXXXXXXXXX XX/XX/XXXX/2015CitiMortgageConsumer Complaint DivisionTo whom it may concern, Re : XXXX XXXX/XXXX/2015, I was told a by the property damages dept. at CitiMortgage that the insurance check my wife and I paid over sixty dollars to mail overnight would be sent back to us on XXXX/XXXX/15. That was erroneous information. Unfortunately, due to the negligence of that it has cause extreme emotional distress because we are displaced. I am disappointed because had that been explain the XXXX time this would not have been a problem. Since the correct information was not disclosed clearly and was misrepresented. It has cost us more damages. 
To resolve the problem, I would appreciate your not only the check and fees associated we would like to be compensated fifteen thousand dollars. I will enclosed copies of my records in the fax number provide. 
I look forward to your reply and a resolution to my problem and will wait until XXXX/XXXX/2015 before seeking help from a consumer protection agency, the media, my insurance company, arbitration, the Better Business Bureau or any other legal action. Please contact me at the above address or by phone at. 


Sincerely, XXXX XXXX
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Express Recovery Services, Inc. (UT)

XXXX XXXX came to my house and spoke with my daughter who was XXXX at the time and convinced her to let them install insulation. I did not want them to do this and never contacted them to do it. I never meet with them was not even home when they came to do it. Never had any dealing with the company, never signed a contract no one had authorization to sign on my behalf. the first time I knew about this happening is getting a bill in my name. I have tried to contact the company with no response and have contacted the collection agency to inform them that it was not my debt. was inform that it is to bad that i had to pay. It is not my debt. I did not authorize anything. was not home to know anything. I am not responsible for this.
Consumer complaint received 2015-12-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (NY)

I was issued a company cell phone for work. This phone has been receiving debt collection calls on the avg of XXXX per day. I have explained to the callers that this is a business phone and we have no relationship to the person that they are trying to reach. When I answer the phone as the company representative, they hang up.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Other — 
Company: Mel S. Harris and Associates, LLC (NY)

Mel S. Harris & assoc. used deceptive collection practices while attempting to collect on a purchased debt. Once initial contact had been made and a discussion on solutions to resolve the debt, the attorney office sent out a summons for an appearance in court. The representative had advised us that " we should not worry because we will receive several of these notifications. '' However, there was a case filed in the city court and required an immediate response to avoid a default judgment. This summons was used as a collection tool while in mutual good faith discussion on how to repay the debt. The representatives refused to discuss reasonable payment arrangements and told us to deal with the courts. When I inquired as to why a summons was sent out while we were talking to their agency in good faith I was hung up on. After calling back XXXX times I was finally connected to a supervisor who again tried to tell me not to worry about the summons. As I inquired further as to the reason of the summons I was hung up on again. I was hung up on a total of XXXX times while asking to speak to a manager or an attorney within their office. This debt is over XXXX years old and was supposedly incurred by my mother in law who is on a fixed income and under the care of XXXX. Every time I had requested documentation or verification of the debt I was told to deal with it in court -- even though I was assured prior, that nothing had been sent or filed with the court! I am an advocate for my mother in law while dealing with what I consider to be an unprofessional and unscrupulous debt collector. The summons was sent just to solidify their subtle threats of garnishment, liens, or any other means at their disposal. My concern is that this would appear to be a regular occurrence with this agency. Once the attorney office makes contact with a consumer they issue a summons to scare the debtor. My mother in law was served on XXXX/XXXX/15 ; we had started discussing the debt on XXXX/XXXX/15 which means they ordered it while we were discussing in good faith our options on the debt. Mel S. Harris & assoc is using the power and intimidation of the summons and the court system as a scare tactic and collection tool to coerce and discriminate against consumers
Consumer complaint received 2015-04-04
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (CA)

I prepared my XX/XX/XXXX income tax online. The netspend prepaid credit card was an option for receiving my refund faster. When I efiled my final form the screen stated my card would be mailed that week to expect it by XX/XX/XXXX. I have had a restraining order against my husband for XXXX years and stealing my mail is XXXX of his favorite pastimes. I immediately phoned netspend that card was cancled a new card was issued and after explai XXXX g my concerns an activation code was placed on my card. Net spend issued him a XXXX card without my authorization got him his card XXXX day before mine never enforced the activation code and he withdrew XXXX $ a day before I received my card. I faxed the company my written complaint XX/XX/XXXX. They claim they never received it.XX/XX/XXXX he withdrew the money from our local XXXX bank. XX/XX/XXXX at XXXX is when I received my card. I immediately attepted to activate it. When I did no activation se urity code was required as I was guaranteed would be. My balance showed XXXX $ less. I called customer service and they explained that a XXXX card was issued by them. I was furious. My lender is ready to foreclose on my home and I dont see why I cant get my money. They are past all regulated days allotted and I cant even get an update much less the refund I should of been given weeks ago. I have several emails qhere they admitt fault claim they counseled staff yet im ready to lose my home and its been XX/XX/XXXX
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

As of today, XXXX XXXX, XX/XX/2015 I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX My credit reports should be free of inquiries.
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (AL)

I signed up for a Small Business Checking account with U.S. Bank on or about XX/XX/XXXX with a E-Deposit limit {$10000.00} for daily deposits. On XX/XX/XXXX I attempted to make a deposit of {$2500.00} and the deposit was declined. I was told my limit was lowered to {$2500.00} XXXX without notice ) and now I am unable to deposit my check. I contacted customer service and spoke to XXXX tier customer support and was told " nothing could be done '' and that " it will not change ''. I have never have had a returned check, a bounced check or any negative account interaction. I maintain XXXX times the required minimum balance for the account. Calls to a regional manager XXXX XXXX XXXX XXXX XXXX at XXXX are not returned. The nearest branch and/or atm is over XXXX miles away from our location to deposit our checks.
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: Stellar Recovery, Inc. (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

XXXX State filed judgement of {$18000.00} on XXXX/XXXX/2015. After our accountant provided them information why we did not owe this amount, XXXXState cancelled this assessment. See attached notice from XXXX State. However, they did not report the cancellation of this assessment/judgement.