davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

We have been trying to get a deed in lieu of foreclosure from Wells Fargo for more than a year. They told us we had to vacate the home by XXXX XXXX, which we did. Then the excuses for why they could not complete the deed in lieu started. The title had not been cleared because Wells Fargo had not had the prior lien with XXXX XXXX XXXX released when they financed this loan. Wells Fargo told us we had to get XXXX to do release the lien and XXXX told us Wells Fargo had to do it. Since they are the servicing agent and originator on this loan and it was sold To XXXX XXXX, this seems to be a problem they would want to fix asap. ( Breach of fiduciary duty at the least, mortgage fraud at the worst, neither a good position to be in for Wells ) They inspected the property, and changed the locks. Then they twice halted the deed in lieu process because they said they could not get access to do more inspections. We reminded them that they changed the locks and had the keys so they sent us a set of keys that did not work. I have repeatedly asked Wells to provide the name of the title company so that we can have them address the title issue, but to no avail My friend who owns the home is a XXXX survivor and has doctors orders to avoid stress. Thus, I have taken over the daunting task of talking to these well meaning but inept people. We need to get rid of this house and Wells Fargo is obstructing the process.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I am a customer of Specialized Loan Servicing and formerly of XXXX XXXX XXXX vis a vis XXXX. I am the recipient of a {$27000.00} Dept. of Justice write down. Approximately three months after SLS acquired my mortgage, my escrow account was in the negative as a direct result of high taxes- water and property. I reside in XXXX XXXX and we have the dubious distinction of paying the highest property taxes in the state. In addition my water and sewage bills have increased for three consecutive years by a whopping 15 %. Repairs to the infrastructure of an aging city are not cheap. 
Upon inception of the servicing of the mortgage, my note was {$1200.00}. It is now and has been for several months at {$1500.00} with a {$48.00} late fee attached. I was not given 60 days to prepare for the increase, nor was I presented a payment plan to make separate regular payments at a different time of the month to resolve the negative escrow issue. Instead the high escrow payments were placed on top of the mortgage, bundling them together for their convenience and forcing me into default. 
I am always stumbling to the finish line with a payment of no less than {$1600.00}. Only about 14 % of my payment goes toward reducing the amount of the actual mortgage. Furthermore, I am experiencing a 29 % increase in payment. I have been harassed with breach letters, informed that I can enter an in-house modification, and made to feel that if I fail to get my loan caught up, I will lose my home. My experience with XXXX informs me of in-house modifications : they increased before they decreased. 

I am being made to believe that if I do not give SLS a whopping XXXX every month before mid-month or XXXX later in the month that I will lose my home of many years. I am two months and 3 weeks behind.. 
Ironically, the amount applied to the principle remains static at a measly {$220.00}. 
My suspicion is that SLS is a subsidiary of some sort of XXXX, and customers who received a XXXX XXXX. settlement may be unfairly targeted. 
I am proposing a cure that involves allowing me to rebuild the escrow through regular payments separate and apart from maintaining regular payments of XXXX.
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (TX)

To whom it may concern : Can you tell me how to get information on my mineral rights that I purchase for my land that my home was located on at XXXX XXXX XXXX, XXXX, XXXX. XXXX.I had XXXX-little checks from the oil and gas while in the house.I went on a two week vacation to XXXX and when I came back the house was broken into by Flagstar Bank.I do not have any information on the company.I want to locate my mineral rights checks and hope it is not going to Flagstar Bank.Thanks for any help I can be reached at, XXXX XXXX , XXXX, XXXX,
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION (WA)

Discovered fraudulent activity on our Navy Federal Credit Union sponsored XXXX on XXXX and XXXX XXXX 2015 for {$30.00} and {$5.00}. 
Reported the same to Navy Federal Credit Union who advised additional fraudulent charges of $ XXXX not present on our online account access. 
Although Navy Federal Credit Union cancelled the card immediately, they could not provide why additional fraudulent charges were not visible via our online account access. 
We are unsure of the amount of loss if any however believe Navy Federal Credit Union needs to provide all transactions on credit cards they sponsor in accordance with federal law.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (FL)

I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (KY)

Bull City collection purchased a so calledDebt from XXXX XXXX and has never contacted me but has put the into my credit report listing a recent date as the date of the the debt. He has also listed a made up amount for this debt of more than {$600.00}. First this would have been more than 4 years ago. 
As I have not had electric in my name for over 4 years. Secondly XXXX XXXX would never have allowed us to have a balance that high. We did n't even heat with electric ... it was propane. I recall making a final payment for a partial month when we moved at the time I called them to have it turned off. I tried to get a copy of that from my bank but they had already archived it & said it was not retrieveable. I am XXXX years old & have worked real hard on my credit because I live with my son & his wife & XXXX kids & we were trying to get a loan to buy a house ( size of our family causes us problems finding one we can afford & is large enough ). We had signed a contract on a house that was accepted & we were waiting to close. Then when they checked my credit again the Bull City. collection was on there. We lost the House. We now live in a XXXX in XXXX, KY infested with mice and roaches. We pay $ XXXX for this. This is not fair. I filed bankruptcy over 7 years ago when I lost my house of 34 years in the XXXX XXXX melt down. The only negative thing on my credit is that XXXX XXXX report which is wrong. I have XXXX credit cards XXXX of which I paid off. I have never once been late on any of them. I do n't know what is going to become of us. Please help me.
Consumer complaint received 2015-12-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

After 10+ years of banking at Wells Fargo they closed my account due to a " business decision ''. Meaning, a relative gave me a check and it bounced because she did n't have enough money in the account and they had to return the check, so they charged me {$12.00} and closed my account. They never gave me any warning or alerted me. I was told in the branch they would send me a letter explaining everything and a letter was never received. Additionally, they will not allow me to access the money in the account, which I desperately need to pay bills, causing over {$200.00} in late payment charges. After calling multiple times and being transferred over XXXX times to different departments I never got an answer. After closing my checking account and freezing my money they subsequently closed my credit card causing multiple declined purchases.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

This concerns complaint # XXXX. Wells Fargo has submitted a response to you that is not true. We were forced to sign documents that the Federal help that came through Keep Your Home California was in fact a modification from Wells Fargo. It was either we sign or the Bank would return the funds to the Federal Government and foreclose on us. It was not an empty threat. Wells Fargo responded to Consumer Financial that they clarified to us that the funds from Keep Your Home was not a modification. That is not true. We had to sign documents that it was a modification from Wells Fargo. We do n't know where to go from here, we had other concerns that Wells Fargo did not respond to you, but they did negatively respond to us. We would like very much that Consumer Financial turn this case over to a Federal agency for prosecution of Wells Fargo for destroying our lives.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. In XXXX of 2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all XXXX credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least six time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR and I 'm attaching a letter from the courthouse showing that they also corrected the record.
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (FL)

I have a private student loan consolidation loan through Wells Fargo with a cosigner. I have been making my loan payments on time since XXXX/XXXX/XXXX and I made my first loan payment on time on XXXX/XXXX/XXXX. That is 73 payments on time in a row. According to Wells Fargo only 24 payments in a row, since I paid my first payment on time, are needed to release my cosigner. I applied to have my cosigner released. I had to call and request a form from Wells Fargo. I got the form and signed it and added a pay stub as proof of income. Then mailed the form back to Wells Fargo. Despite my income of over XXXX gross a month and good payment history on the loan I was denied a release of my cosigner by Wells Fargo since I had a bankruptcy on my credit 6 years ago. I feel this requirement for releasing my cosigner was never disclosed when I got the loan. Wells Fargo misled me about how hard it would be to remove the cosigner. I feel this new requirement of never having a bankruptcy is n't even a valid requirement because these student loans can not be dismissed in Bankruptcy. I will submit my payment history on the student loan, The letter I received saying I was denied and the reason, and I will submit a pay stub for proof of income.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

There are several medical accounts that appear under my credit report that is being reported by each credit reporting agency. These medical bills are under collection by XXXX XXXX that do not belong to me. I have tried reaching out to the original creditor to inform them that this information is not true and does not belong to me. They are not able to prove any physical evidence to include legal documents that belong to me. This information is damaging my report and is hindering me. Please ask that they prove or remove this false information. Please
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Solutions, LLC (KY) (LA)

I paid a XXXX bill XXXX of {$200.00}. I lost my receipt. I went back to the XXXX office here in XXXX and was told they could not give me a copy of what I had paid. The bill is still showing as not being paid on my credit report. The debt is listed as being in XXXX account number XXXX.Tthey are telling me I have not paid this debt.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

I do n't know where to turn. Ocwen has a class action suit levied against them and is forced to pay some homeowners money back. My issue seems pretty simple. Ocwen acquired my XXXX mortgage when XXXX/GMAC declared bankruptcy years ago. I declared bankruptcy near the same time, but I signed a letter of intent for both of my mortgages with XXXX/GMAC at the time ( 1st ended up with XXXX which is almost as bad, XXXX with Ocwen ) and my payments have been current since XXXX/GMAC modified my loan long before either BK - that is after the initial mixup many have found with Ocwen where I follow their instructions to change the payment from my bank account, it was lost, I changed it back to the old " Pay To '' and problem apparently solved since they 've taken my money ever since. Both mortgages are still showing on my credit report as negative because they show closed/discharged in BK. Neither servicer will take responsibility to correct the erroneous credit reporting. Why is this an issue? Because I want to refinance with someone, ANYONE else but the negative marks make me less than a favorable choice for any kind of loan. How are they getting away with this? How do we the consumers fix it?!
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX 2015, JP Morgan Chase sent me a text alert about potential fraud on XXXX of my credit cards. They asked if I had used this card at a computer store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send me a new card in its place. Now, what 's important to note here is I have not used this card in easily 1 year. However, I assumed maybe a store I had used this card at in the past, experienced a data breach and said store retained my credit card information for X amount of time and that was stolen. I did n't put much thought into it, up until now. The new card I received by JP Morgan Chase was AGAIN compromised. What is EXTREMELY important to note is that I neither activated, nor used said credit card since receiving it. It has been sitting in my drawer at home. On XXXX XXXX 2015, JP Morgan Chase sent me another text alert about potential fraud, once again, on this new card. They asked if I had used this card at a men 's clothing store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send a new card in its place. I advised this was completely unacceptable and I did NOT want a new card ; I wanted the account closed out for good as security within JP Morgan Chase is highly concerning. They went ahead and closed my account. When I mentioned to the woman that I have neither activated nor used said card which I 've had for just over a month, all she could tell me was " there have been a lot of data breaches going on ''. It is my firm belief that JP Morgan Chase is either : a ) completely unaware that they are experiencing data breaches of their systems directly, which hackers are stealing CC information from, or, b ) they are fully aware of this and are trying to keep it quiet. Either way, JP Morgan Chase has a *serious* problem that needs to be addressed immediately. Credit Card information ( maybe even SSN 's, etc ) is being stolen directly from JP Morgan Chase 's networks, and they are n't even informing their customers.
Consumer complaint received 2015-06-03
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

A Citibank loan officer sold us a mortgage based on a " rate protection program '' whereby the interest rate of the mortgage could be reset to a lower rate under certain circumstances. Before the loan was issued, the loan officer stated that we had qualified for the program. After the loan was issued, the loan officer confirmed that the rate protection program applied to our loan. 
Some time post-issuance, we inquired about exercising the rate reset under the program, but Citi stated that our loan was not covered by the program. 
The issuing loan officer left Citi after the loan was issued. However, he confirmed in writing that he had indicated to us before and after the loan was issued that our loan was covered by this program. Citi has received his written statement acknowledging this but Citi refuses to cooperate and refuses to stand by the representations made by their former employee. 
Initially, Citi said there was no record of a commitment by Citi to include the rate protection in the loan. Then, Citi said they could not include it because my loan could not have qualified under the terms of the program because the program did not cover XXXX homes. I have reviewed a flyer outlining the terms and conditions of the program and there is nothing on the flyer that would suggest that XXXX homes are excluded. In any event, the loan officer was aware this was a mortgage for a second home and nevertheless represented that the program had been applied to the mortgage. Citi 's final position is that the bank is willing to do nothing and will not stand by the representations made by its former employee, even if those statements induced us into taking a loan with Citi.
Consumer complaint received 2015-04-22
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

In the XXXX week or XXXX of XX/XX/XXXX, collection agency, XXXX MAILED me court papers which said on the XXXX page to contact them and resolve prior to court date. And, make payment arrangements. I did. I am a XXXX Veteran. I was in recovery from hospitalization and I did not have a wheelchair to be in court. This is why I made PRIOR ARRANGEMENTS according to court papers mailed to me. I called the phone number and was in contact with someone at collection agency who set up the agreement for my file # and sent the contract for me to sign. I sent signed contract back along with payment and paid according to contract. XXXX of the medical bills was from 9 YEARS AGO IN XX/XX/XXXX while the other few were medical bills from 1 YEAR AGO OR 1 MONTH AGO and were medical bills not even sent to me because BANNER HEALTH took over XXXX XXXX XXXX and their computers were letting everyone 's medical bills in the community slip to local collection agencies. I did not know for 3 years my AGREEMENT/CONTRACT/PAYMENT/AND PAID IN FULL VERIFICATION FROM WAKEFIELD was XXXX and the XXXX XXXX XXXX XXXX were e-filing a judgment that showed an amount less than a satisfied Agreement/Contract/Payment with overpayment of {$75.00} never reimbursed by this collection agency. Injustice and lies to a court were done by this collection agency.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

An unauthorized transaction was allowed to be processed by my financial institution, JP Morgan / Chase Bank, with incorrect account information. The merchant, XXXX, submitted a transaction for {$53.00} with incorrect street address, city and ZIP code however when I contacted Chase Bank to inquire I was advised that " certain merchants have very low account validation requirements ''. I asked for this charge to be disallowed and was informed that my entire life would have to be turned upside down with the closure of my card due to the fact that Chase Bank has failed to protect my account / monies by indiscriminately choosing which merchants can process transactions without having to validate that it is authorized by the consumer, i.e having the correct information of the account they are trying to process. I do not believe that there should be arbitrary account validation requirements that put the consumer in jeopardy of fraudulent activity or that JP Morgan / Chase should have the right to " decide '' which account transactions " look good '' based upon prior account activity when the account information which has been submitted in conjunction with any transaction is incorrect. The only recourse I was offered was to cancel my card and file a claim for a fraudulent transaction when it was the failings of JP Morgan / Chase to ensure that the information provided was accurate and complied with what any reasonable customer would assume to be standard security procedures when it comes to account security.