davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Collection Bureau, Inc. (NC)

My roommate and I were evicted from XXXX XXXX XXXX in XXXX, NC back in 2013. We only owed one months rent which was just about {$900.00} but once turned over to Advanced Collection Bureau they tacked on extra fees totalling {$2700.00}. They have called me repeatedly and asked me personal questions about my income taxes and recommended that I send my entire check to them. I was told that I will never be able to get an apartment in my name again. When I asked to speak with a supervisor I was told I did not need XXXX and I just needed to pay the debt. Representative was very rude. The apartment complex is no longer in existence they are under new management and I contacted that particular office and was told that they do not have any record on file of my roommate and I owing any money to them. So if Advanced Collection Bureau is no longer collecting the debt on behalf of XXXX XXXX then they are pocketing the money themselves! We did not get our {$500.00} deposit back and it should have been applied to the balance left after we moved so I do not understand why the amount in collections is so high. I will take this to court I will not pay for something I do not understand.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

`I am trying to do a repayment plan with Caliber Home Loans. 
I have called in many times and was told I was " approved for a 12 month repayment plan '' They told me the downpayment of {$70000.00} must be in by XXXX XXXX ( I was told the letter is in the mail and I should receive it on XXXX XXXX a day after it is due to be there ) as of now II have received no paper work from them at all. I am reluctant to release {$70000.00} to them with out anything in writing stating that the NOD will be removed, further they said I must pay $ 9600 month on the balance owed which should be {$39.00} and should be divided by 12 months.which comes to much less that {$9600.00}. the reason why I asked for a 12 month repayment plan was to have affordable repayments. It turns out that they are charging me more money than the statement says I owe and they are charging me late fees for the months I am behind in addition to the late fee on the statement charging me for those same months. They also are computing the 12 month repayment plan on 11 months which is unfair and raises the monthly payment. I am unable to talk to anyone besides a point of service person who tells me that all the numbers are computer generated and no one can make any changes.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now from XXXX XXXX XXXX and they have denied me multiple times. And recently XXXX XXXX XXXX transferred my loan to Seterus. I told Seterus I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of XXXX payments. I told them I can not afford that and I asked them to apply me for a loan modification. Seterus sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the Seterus loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me because I 'm not eligible for this program. 
At this point I applied for the Making Home Affordable Program and faxed over a full packet to Seterus. After some time I get a letter in the mail that I do not qualify for this program either. 

I recently faxed over the Making Home Affordable full packet to Seterus again in hopes for an appeal for a loan modification. How can I not be approved for " ANY '' modification? Even the government XXXX. I feel I and my family are in a very tight spot with Seterus and we do not know what else to do. I can make monthly payments for this loan of around {$1100.00} for the loan, insurance and taxes. That is an amount I can afford. Please help me to get a loan modification.
Consumer complaint received 2015-04-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America has, in two weeks time, tried to improperly take overdraft fees on my account with XXXX separate checks. The XXXX occurred when Bank of America charged my account XXXX day early for a monthly fee. After calling and complaining to a service rep, Bank of America admitted to the mistake and credited my account with the fee. The XXXX incident is far more serious. My check to the IRS for taxes was {$5900.00}. I sent this check in the mail on XXXX XXXX and it was cashed on the XXXX, thereby affecting my account. No check clearing days were given and my account was overdrawn. My paycheck hit my account on the XXXX, thus covering the check. The check to the IRS bounced, Bank of America hit me with a {$35.00} fee, and I now may be responsible for penalties to the IRS. Bank of America is now liable for any penalties that I incur as they provide no time for the check to actually clear as they do whenever I have a personal check issued. I ask the CFPB to investigate this incident thoroughly.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

Originally submitted a dispute that XXXX XXXX report my being late on a XXXX/XXXX/XXXX payment. XXXX has confirmed in writing, that they agree that I made the payment on time and reported it correctly to the credit bureaus and will not be sending any additional information to the credit bureaus ( see the notation on their letter ). I have attached a copy of Equifax 's " Credit File confirmation # XXXX showing the " Date of first delinquency as XXXX/XXXX/XXXX '' as well the " Date Major First Delinquency Reported as XXXX/XXXX/XXXX ''. I called Equifax on XXXX/XXXX/XXXX and they stated to me that they will NOT change this negative information because they only report what the tradelines report to them. So I am supplying you with the letter from XXXX XXXX where I have noted that they agree I made the XXXX payment on time, as well as the derogatory information listed on my credit file at Equifax. Can you please assist me to get this negative information removed from my Equifax credit file? Thank you, XXXX XXXX.
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (CA)

Repeated robocalls from various numbers asking for XXXX XXXX. I 've spoken with live operators to notify that the person they 're calling is not at this number and have asked my number to be removed several times, but I still receive these calls. They claim they are debt collectors calling on behalf of XXXX XXXX.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

our mortgage has been sold out to OCWEN LOAN SERVICESAttention : SCRA or ServiceMember XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX has a very strange mortgage services on XXXX/XXXX/2015 we send XXXX payments in XXXX separate transactions XXXX for regular monthly payment of {$2000.00} and a second payment of {$35.00} to be applied to principle. 
then again on XXXX/XXXX/2015 we paid OCWEN {$2000.00} plus another {$13.00} for principal payments. 
in both cases OCWEN did not apply the entire amount to the principal instead they applied it to the following monthly payments of XXXX and XXXX respectively where we asked them to apply the entire extra payment to the principal. Since we did made the regular payments on time and did send the extra payments too we hope Ocwen does the right thing and apply the entire extra payments to the principal.
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (MI)

XXXX and their representative credit company Caine & Weiner put a fraudulent debit on my account, as they are claiming I have not returned the laptop which they issued me, which I already did and now they are saying its not a correct laptop and in essence put a charge of {$930.00} charge against me and also still have the laptop which i returned, so they have the lap top and wants more money, when I explained that to Caine & Weiner they said since they already reported this to XXXX major credit companies, they will not correct it and they are convinced, that XXXX claim is corrrect, even thought that they still have the laptop.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix the problem with no access to the web site for customers this is an on going. issue with several customers
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AZ)

I very respectfully request a throughout review about the below claim against Freedom mortgage. I sincerely hope that it is resolved on my favor. 
Freedom mortgage has been reported the credit bureaus XXXX, XXXX and XXXX a late payment since XXXX 2015 which has been brought my credit score gradually very low to the point that I was denied a credit transaction. 
I have been greatly affected by this report and have been requesting them several times to fix it to no avail. I am still showing late and my credit score is dropping dramatically. It got to the point that one representative told me to not worry about it that they have all my payments done on time and that was a system mistake. All the times I spoke to Freedom mortgage officers the call was announced to be recorded so I am assuming there are plenty of recording to follow out conversations about my payments that prove I have been asking them many times to fix the issue. 
On XXXX XXXX, 2015 I applied for a refinance loan and was declined. The mortgage office told me I had been late in a mortgage payment since XX/XX/XXXX with Freedom mortgage and with that I was automatically disqualified for a mortgage refinance. 
I immediately call Freedom mortgage but they seem to not understand what is going on and just keep on saying it is going to be fine but the damage is done and they are not fixing it. Nobody has reached me with solutions either. 
I sent the paper work to the credit bureaus but I have not been contacted nor I see any change in my score. My problem needs to be solve with urgency as I am desperately need to refinance a mortgage with very high rate. I am experiencing financial loss due to the false report.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: UBS BANK USA (MI)

I sent XXXX principal payments to UBS Mortgage, serviced by XXXX NJ ( the mortgage servicer for my UBS Mortgage ) on XXXX XXXX, XXXX, XXXX and XXXX, 2015, totaling {$110000.00}. As of today, XXXX XXXX, 2015, they have misapplied each payment and have not accurately reflected {$76000.00} of payments. I have called and e-mailed multiple times and I have been promised that my case was escalated and would be corrected soon. I spoke to XXXX Client Service representatives today, and I asked for a supervisor. I was told that they can not connect me with a supervisor, and I could be put on hold to wait in the " queue ''. After 1 1/2 hours on hold, I hung up. There is no physical address to send a complaint to, only XXXX and XXXX as the consumer 's customer service line. I have sent multiple secure e-mails, with a standard response that they will correct the misapplied payments " as soon possible ''.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (IL)

I had my 2015 tax return sent to net spend on XXXX XXXX. They let me make couple of with draws. Then they put a block on it. They wanted information that I could n't provide.So I told them to mail it to me.I call several times and talked to many supervisors and all gave me different information.They claim they mail it off.Here are some of the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX &, XX/XX/XXXX all dates had a20 day waiting period. As of today date XX/XX/XXXX I have n't received it.Now every time I call I 'm holding till the line click off.
Consumer complaint received 2015-12-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This is a complaint that was never resolved by CFPB. The complaint number was # XXXX. Although HSBC\HFC deemed my account eligible for the XXXX pay, and reduced my monthly payment to {$890.00}, but by the same token, has changed the condition and agreement of the deed\mortgage. They have single handedly attached the property tax to be included with the mortgage monthly payments without a closing, or agreement or consent by me. How is that possible? I do n't see how this mortgage company was reprimanded or lawfully dealt with! They are in error, ON SO MANY levels. My tax payments did not need to be paid by any XXXX, as there were no lien on the property for arrear payments. Not then or now! Each year during my chapter, I may have been short, but not enough to place a lien. This was confirmed by the XXXX Department. I would appreciate your taking another look into this matter as WRONG doing is definitely apparent throughout this whole ordeal. my constitutional rights are being violated, while this body " CFPB '' does nothing. How is that? 
Thank you XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management continues to contact my place of business after being asked to remove our number from their call lists. They are continuing to call ( latest call was today XXXX/XXXX/XX/XX/XXXX ) after this issue I had with them last year- see below. I expect them to follow directions and REMOVE our business numbers from thier call list. 
XXXX, XXXX, and XXXX. 
I do not have an account number, no one here has any accounts owed to this collector. No one they are looking for works here. Also, per the Fair Debt Collection Practices Act, a debt collector CAN NOT continue to call a business that has asked them not to call. 

Spoke with XXXX XXXX on XXXX/XXXX/XX/XX/XXXX, he said our number was associated with XXXX different people : XXXX XXXX, XXXX XXXX and XXXX XXXX, none of which are at our number. Said it would be 24 hrs to be removed. However we still received calls so I sent a cease & desist letter drafted by an attorney 's office which they signed for on XXXX/XXXXXX/XX/XXXX. Now a month later & they still continue to call. I spoke with a XXXX XXXX on XXXX/XXXX/XX/XX/XXXX who asked again for XXXX XXXX, I told her to remove our number & do not call again. I do not understand why I am continuing to be harrassed by this company & our business interupted when there is no one here who owes them any money, and they have repeatedly been told this is a business & not to call. 
Please fine this company heavily!
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (PA)

I received an email from Wells Fargo that misrepresented that I called about or applied for a credit card through Wells Fargo. I have a mortgage with Wells Fargo, but because I had never made the phone call about a credit card ( or at all recently ), I assumed that someone was trying to open a credit card using my personal information. For fear that my identity was being stolen, I called Wells Fargo to determine whether there was an application for a credit card, or any other product associated with the Company. There was not. This email is predatory and misleading. I have spent my entire morning during working hours trying to determine whether someone opened a credit card in my name, whether my identity was stolen, and who I would need to contact to file a complaint, etc. This should cease immediately. I called consumer finance gov about this when I received the email and the reference number is XXXX. 

This is the email : " Thank you for your interest in a Wells Fargo Credit Card. 
THANKS FOR YOUR RECENT CALL Here 's more information about accessing your current credit card offer Dear REDACTED, As a follow-up to our recent conversation, we want to make sure you have information on your current offer. Sign on to check your offer and complete your secure, prefilled application. 

From earning rewards currency on everyday purchases, * to getting discounts on dining, to booking preferred travel, there 's a Wells Fargo Credit Card that can help you make the most of your purchases and your passions. 

* Rewards currency is earned on net purchases ( purchases minus returns/credits ) only. Monthly or annual rewards program fees, cash advances of any kind, balance transfers, SUPERCHECKS, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points.
Consumer complaint received 2016-01-27
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. 


Thank You
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One credit card company makes collection telephone calls to numbers they obtain and maintain in their file that do not belong to the credit card holder and are family members, NOT THE CREDIT CARD HOLDER. Additionally, they are leaving personal information on the generic voicemail 's ( the voicemail does not identify who the phone belongs to ) relative to the credit card holders name, the reason for the call, the company they are calling from and they are willing to work out a resolution to resolve the collection issue. When I called them to advise they are calling family members and leaving this information, they requested I give them the numbers of all family members so they can remove them from their file. I explained the person that they seek to contact does not live in the USA and does not have a telephone number, therefore, there should be no number on file at all. It appears they are using public information to obtain the numbers of family members without regard to privacy laws. I have made several telephone calls to Capitol One and am transferred to several departments. I am asked the same question, " which numbers should be deleted from the account? '' I respond the same way. ALL OF THEM. I also have reminded them in each call, several times that leaving a message for a specific person, with specific private information on a generic voicemail is a privacy violation. This needs to cease. If they are doing this to one person, I am confident they are doing this to others.
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: State Collection Service, Inc. (WI)

I made settlement with collection agency and paid the agreed amount. The agency after this, reported the XXXX Credit Bureau that I have a balance of the remaining amount. It dropped my score for almost XXXX points. When I called the agency to find out why they did it, they have no valid answer. I requested to speak with the supervisor, but he wo n't talk to me. I am planning to buy home soon, but now due to this I have to wait for months before my score gets up. I am really frustrated and request you guys to ask this collection agency why they did this. The debt is about three years old. They never contacted me. Recently, like they called me a month ago, and I settled the debt. During the last three or more years the agency never reported this debt this to any Credit bureau, but as soon as I settled this this debt they reported to the Credit bureau that this is a collection account. I really do n't understand this. All I can think is sheer negligence, incompetence, and carelessness on the part of the agency
Consumer complaint received 2015-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc. (CA)

I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies.
Consumer complaint received 2015-12-15
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

My wife was at XXXX and the debit/credit card we have through USAA bank was not working. I immediately called then and was told I had an hour hold time. I tried their online page but was unable to accomplish anything there either. So, I stayed on the line and within one minute was disconnected. My wife calls back and tells me that all USAA card-holding customers are having trouble too and not one of them is getting through to USAA bank.