davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

The basis of my complaint are concerns around the Mortgage Servicing Transfer process by XXXX and Caliber Home Loans. As a result of their actions noted below, they have failed to protect my rights under key foreclosure protections. 
On XX/XX/XXXX, I submitted a completed loss mitigation application to XXXX. On XX/XX/XXXX, I received an electronic notification from XXXX confirming the package was received. My completed application was received by XXXX more than 37 days before a foreclosure sale, and XXXX failed to inform me that I was not eligible for any loss mitigation option. 
Instead, during the pending status of my completed modification application, XXXX sold my loan as of XX/XX/XXXX to XXXX Master Participation Trust and subsequently sold the servicing rights to Caliber Home Loans as of XX/XX/XXXX. The following outlines the timeline of events and notices from XXXX, XXXX and XXXX XXXX ( Notices from XXXX and Caliber are attached ) : XXXX XXXX, XXXX, notice states the servicing of my mortgage was sold to XXXX as of XXXX XXXX, XXXX. This notice does not meet the content requirements under RESPA. The notice does not include the new servicer address nor the Federal disclosure regarding late payment protections. 
XX/XX/XXXX, I contacted XXXX to request a status of my loan modification application. XXXX informed me my application was complete and in " Underwriting '' and was also informed my loan has been sold. XXXX provided me with the contact information for the new servicer. 
I contacted Caliber and was informed by the Rep that they were waiting on loan modification documents from XXXX. I was confused by this since I did submit a completed application prior to the servicing transfer date. They stated my application was incomplete because they did not receive income documentation. I submitted Income documentation to XXXX with the original application to XXXX on XX/XX/XXXX. 
XX/XX/XXXX, notice from XXXX XXXX states that my property would be sold on XX/XX/XXXX. 
XX/XX/XXXX, notice from Caliber requesting I provide a complete package by XX/XX/XXXX. Caliber failed to allow 30 days to provide the package. 
As I understand the rules, a mortgage servicer can not start the foreclosure process if a completed loss mitigation application is pending. I believe this to be considered " Dual Tracking '' and constitutes a RESPA violation under the Mortgage Servicing Rules. 
In accordance with the Mortgage Servicing Rules, Caliber had a duty to send an acknowledgment notice to me within 10 business days of the transfer date. And, Caliber should have evaluated my application within 30 days of the transfer date, in in both cases, timing requirements were not met. 
In addition, XXXX received a timely complete application, and XXXX XXXX should not have moved for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

hi, i just check my credit report 2 days ago From Equifax and i find a collection charge in the amount of XXXX dollars, From '' XXXX XXXX XXXX '' this charge does not belong to me and also an account from XXXX XXXX does n't belong to me
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I ask Experian to remove to accounts from XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. These are the same accounts. XXXX XXXX XXXX has been reporting on my credit report since XX/XX/XXXX and XXXX XXXX XXXX has been reporting since XX/XX/XXXX. I never paid anything on either account and the accounts have been on my credit report exceeding 10 years. If you request payment history, there is none which means that the accounts will be eligible for deletion from the last payment date up to several years and these accounts have been on my credit reports exceeding the seven year deletion period. XXXX and XXXX XXXX are fraudulent reporting to keep on my credit report but however I know and even more so, Experian knows that is against the law, FCRA. I am again requesting the immediate deletion of the accounts from my report.
Consumer complaint received 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp (IN)

When the Student Loan Forgiveness Act initially came out I spoke to what was then XXXX XXXX, now XXXX who carries my student loan. They said I had already consolidated and did n't qualify for loan forgiveness. Equitable Acceptance Corporation under the name XXXX XXXX Loans contacted me by phone. After giving them my information the representative stated that not only do I qualify, but I qualify for XXXX payment. I pay them closing costs XXXX or {$39.00} per month in closing costs. They will file for my loan to be placed on deferment while consolidating the loan and my payment of {$39.00} per month will begin XXXX XXXX until paid in full. The origional contact with this company ocurred XXXX XXXX, 2016. I recieved the initial deferment documentation via email. I received notification by email from XXXX last week indicating that my deferment was almost over. This made me question, because Equitable Acceptance was supposed to be taking the loan, so why would I be hearing from XXXX? I then received a bill from Equitable Acceptance stating they wanted {$39.00} by XXXX XXXX, 2016. I called XXXX today XXXX XXXX/XXXX/16 XXXX about the deferment. The representative indicated that I would be better off paying my monthly payment as is, because under the loan forgiveness act I would end up paying more per month and I will be paid off in less than 10 years. She then said Equitable Acceptance serves as a 3rd party representative, which they did not tell me. She indicated that I am paying them to do paperwork I can do myself, they have not filed for consolidation on the loan and are simply deferring the loan. She provided me with the phone number for XXXX XXXX XXXX XXXX XXXX to determine my rights and XXXX to determine if a claim has been opened under my social security number. I believe that I was given false information by this company and now they are going to demand I pay them a monthly payment to them under false pretenses while still paying on my student loan. They are not providing the services they indicated to me.
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rainier Collection Services, Inc. (WA)

I just found out that XXXX XXXX XXXX sent us to collections. They said they sent us a bill in XXXX XXXX for services provided XXXX. Once they did n't hear from us they sent us straight to collections. I pulled my credit last year ( XXXX ) and I did n't see any medical collections on my report. Further, Rainier Collections NEVER sent us a letter to dispute. Then, to make matters worse, XXXX XXXX XXXX said they did n't bill our insurance as they " typically '' do n't collect that information. This is from an emergency visit to the hospital! Why would n't they bill our insurance like every other doctor that works there. The bill was {$770.00} ( that 's what they told me today ) and the collection agency is trying to collect {$1000.00}. ( 33 % ). I 'm pretty upset because if I saw this bill or had been giving the opportunity to dispute this bill ... .I would have given them my insurance information to settle the debt. ( which I did today..but now my credit is marred! ) This is not only unfair but it makes no sense to avoid billing insurance and ruining someones credit. Then the lady said that even if the insurance pays ... the collection company has the right to continue to bill me the {$250.00} they charged for collections!!!!
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MO)

My wife and I applied for a Home Equity Line of Credit ( HELOC ) with US Bank on XX/XX/XXXX. We used US Bank 's online service. We received an online response approx. XX/XX/XXXX with a welcome letter from XXXX XXXX from US Bank. The letter explained the process and required documents. Letter stated that XXXX would also be a contact for our loan. From approx. XX/XX/XXXX - XX/XX/XXXX we supplied req. documents to US Bank through their online platform and through email. Rec. information the HELOC was in the process on approval around XX/XX/XXXX. Never heard from US Bank for approx. 25 days. Emailed for a follow-up with XXXX on XX/XX/XXXX and rec. no response. Talked to XXXX on XX/XX/XXXX and XXXX stated the our HELOC information had been lost or can not be found. We would have to start the entire process over again. I told XXXX that I did not want to start loan process over. 
I emailed XXXX on XX/XX/XXXX, with information that our loan was showing " in-progress '' on US Bank website. Asked XXXX again if we could proceed with loan. Asked for follow-up and never rec. response back from XXXX A couple of concerns : 1. What happened to our sensitive document information that was sent to US Bank? Was our security compromised? 2. Could we have been discriminated against, for some reason? 3. Some of the worst customer service I have ever experienced. I want answers from XXXX and US Bank as to what happened with the process and our information. I feel and experienced that XXXX/US Banbk literally did not want our business.
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (IL)

I was enrolled in Paymap 's XXXX beginning in XXXX XXXX for a mortgage serviced by XXXX. In XXXX XXXX, I cancelled the service and moved to a new address. 

On XXXX XXXX, XXXX, I received a letter in the mail regarding Paymap Inc. and Consent Order AP File No. XXXX. The letter notified me of a refund check that was issued sometime within the last year, but which I have n't yet received. It said that a replacement check could be requested by calling the XXXX Customer Service Center at XXXX. 

On XXXX XXXX, XXXX, I called the XXXX XXXX Customer Service Center and spoke with a representative there. She provided me with a claim number, confirmed that my account had an incorrect phone number and mailing address on file, and said that the check may have been mailed to the wrong address. She had no other information available, and told me to send an email to XXXXXXXXXXXX requesting that the check be reissued and mailed to the correct mailing address, which I did. 

On XXXX XXXX, XXXX, I received a secure email in reply from XXXXXXXXXXXX confirming receipt of my request. 

On XXXX XXXX, XXXX, XXXXXXXXXXXX replied with a second secure email informing me that my request was being reviewed. 

One week later, on XXXX XXXX, XXXX, I again called the customer service number provided in the letter to ask for an update on the status of my request to reissue the refund check. Again, the representative had no information available, and referred me to send a request to the email address. I sent another email to XXXXXXXXXXXX, and again only received an automated response that my request had been received. 

Today, XXXX XXXX, I called the customer service number a third time, and was told that they were not handling the refund checks, that they had no information regarding any requests for reissue, and that I should call XXXX, a different customer service number. Calling that number, I was again told that they had no information regarding a request for reissue. The representative told me that he could reissue a refund check, but only if I could provide the check number -- which I do not have, because I never received a refund check. He recommended that I send another request to the email address, which I did, only to receive the exact same automated confirmation email reply that I previously had ... Although not via secure email. 

I am still waiting for information on the status of my refund check, but have no means to get it using any of the contact information provided by Paymap , Inc .
Consumer complaint received 2016-11-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (CA)

Hello, my name is XXXX XXXX my reason for contacting you is for 2 reasons. 
1 ) Wells Fargo has recently put a negative on our credit history that was in error by them, this HUGE matter is costing us tremendously, not only holding up our refi but may cost us in taking advantage of the recent low interest rates while we wait for them to take off the system. 
2 ) XXXX is the XXXX University that our daughter attended and now has a HUGE Private loan from. Our question and concern has been all this time WHY was she not offered and given a Federal Loan when she applied? The loan Dept at XXXX was very disorganized and not helpful. Our daughter should have qualified for a Federal Loan, she is XXXX and had great grades and was very goal oriented and dedicated student. To our HUGE dismay she was offered a Private Loan without ever an explanation of WHY she did n't qualify for a Federal. To date she has had this HORRIFIC LOAN that my husband co-signed unfortunately and so now we are affected as well. It 's been 7 yrs having this HUGE BURDEN on our credit but mostly our daughter who has struggled to make the HUGE payments all these years. She wakes up with this on her mind and goes to sleep with this last thing on her mind. It 's destroying our family not to mention our daughters HEALTH and future. She is not able to buy a home, have children, nor save her marriage due to this nightmare. She regrets ever going to college, I never thought I would agree with her. Please help us look into these matters ASAP. We truly need help NOW, we are trying to find a lender in order to refi and consolidate for our daughter. It 's time that something NEEDS to be done about this crime done by some Universities. Thanking you in advance XXXX XXXX XXXX or husband XXXX XXXX XXXX ) XXXX XXXX ( student/daughter ) XXXX. PLease I ask you for some help and guidance.
Consumer complaint received 2016-05-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

I have banked with Wells Fargo for over thirty years. During this time I have had a line of credit account that was linked to my checking account for overdraft protection that did not charge a fee for transferring funds to checking. On XXXX XXXX 2016, I called the XXXX line to see if that account was still in effect. I spoke to a banker who said she could n't give me the information but could connect me with someone in credit who could give me that information. Before making that connection, she suggested that I could change my link to my savings account rather than the existing account. She did not inform me ( and may not have known ) that this would be a permanent change or that I would be giving up my grandfathered in no-fee contract. When I was passed to the person in credit she told me that my account was still a no-fee account, but that she was unable to make a connection to that account. So she reconnected me to a banker whom I asked to please reverse the change and connect to that account. The banker said that this was not possible. So I asked to speak to a superviser. The superviser also said that this was not possible and read me a contract for a different type of account saying that the contract I had had did not exist, when it had existed just a few minutes before. I said that I thought that in Minnesota I had the legal right to reverse the change and he said I should speak to my local bank. The next day, XXXX XXXX, I went to the local bank. The person looked at my account and said that my account had not been changed after all. But on Tuesday the XXXX I found that I was charged for a transfer. So I called the banker who said I needed to talk to someone in the Line of Credit department who could surely reverse the situation. After several calls ( in one of which I was told I to hold while the person found the number and then they never got back to me ) I was given the line of credit number ( XXXX ) and spoke to a credit person who said that although the account is still active, there is a rule that change to such an account can not be reversed. I can not believe that the link to an active account can not be restored, especially to a customer who has been with the bank for 30 years,. Furthermore, when the reason the change was made was due to ignorance on the part of one of their personnel and a lack of informing a client of the implications that were specifically being requested, it seems that the bank has the responsibility to reverse the change.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Escalation of Denial for Business Credit Application Legal Recourse Consideration Application Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX in his private capacity : I am following up regarding my previous correspondence dated XX/XX/XXXX, in which I requested a reconsideration of the denial of my Silver Business Checking Package credit application. I have not received a satisfactory response addressing the legal grounds for your decision, nor have you provided the requested documentation verifying your authority to retract my application. 
Please be advised that under the Equal Credit Opportunity Act ( 15 USC 1691 ) and the Consumer Credit Protection Act ( 15 USC 1601 ), I am entitled to fair and non-discriminatory access to credit. Failure to provide valid and lawful reasoning for this denial, as well as your refusal to extend credit without appropriate justification, may constitute a violation of these federal laws. 
I urge you to immediately reconsider your decision and proceed with opening my business account, as continued refusal without proper legal basis will leave me with no choice but to pursue further actions. These may include, but are not limited to : 1. Filing a formal complaint with regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

2. Initiating legal action for potential violations of the Equal Credit Opportunity Act, the Consumer Credit Protection Act, and any applicable anti-discrimination statutes.

3. Seeking remedies for damages caused by this wrongful denial, which is adversely affecting my ability to conduct business and access essential financial services. 
I trust U.S. Bank will act in accordance with federal regulations and provide a fair resolution to this matter by opening my business account promptly. Please confirm your decision within 10 days of receipt of this letter. 
Should this request go unanswered or denied without proper legal justification, I will take appropriate measures to enforce my rights under the law. 

Best regards, XXXX XXXX Without Recourse, All Rights Reserved
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NY)

I had a payment due in the amount of {$720.00} by the special terms date of XXXX XXXX, XXXX in order to avoid a deferred interest charge. A payment of {$250.00} was made by XXXX XXXX, XXXX. A second payment in the amount of {$470.00} was made on XXXX XXXX, XXXX and was effective as of XXXX/XXXX/XXXX. I have a confirmation that the second payment went through no later than XXXX XXXX. 
It seems that Wells Fargo did not apply the payment to my account until XXXX XXXX ( causing me to accrue interest charges ). Please note since I made my payments by the appropriate time, I am not subject to this interest charge. 
I have spoken to the folks with Wells Fargo numerous times and was told to always send support. I sent the support a number of times and finally spoke to XXXX around XXXX XXXX, XXXX. I forwarded the support again and she explained that she will review, close the account and remove the past due from my credit report. 
I ran my credit report last week and noticed that this has not been removed. I called the department and spoke with XXXX who explained that this information is not in the file. I sent the documentation again for review to finally resolve the issue. I would love for this to be removed from my credit report as I made my payment in a timely manner.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I spoke to XXXX employee number XXXXearly this month in XXXX last week approx XXXX and I was told that I should not be charged for any lapse on my Wells Fargo Insurance that was applied to my account XXXX. I waited the five days to see that credit of Insurance from XXXX to Present XXXX credited towards my auto loan balance. This Wells Fargo employee went as far as lying to me telling me I should expect a credit of {$11.00} a month credit from XXXX to Present XXXX.