davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

thjs is my story i will try to make this as short as posibleI brought my home in XX/XX/XXXX or XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX my financier was mortgage lenders network after maybe a year my lone got sold to another lender then at least two or more lender brought the lone, each time the lone got sold interest rate went up and taxes also when my lone got brought by american services company after six month i attempted to try and get my lone change to a fixed lone i was successful at 8.4 % doing this time everybody was trying to get there home modified so i went on line and attempted to contact XXXX and all of a sudden calls started coming in, a law firm called residents protection law center connected with and told me that they can help so went for itstarted submitting papers i went into active review with american servicing company for XXXX years til residents protection center out of California by the way went M I A and my lender told me that i was in foreclose and i need to leave a s a p i tried short sale that didnt work so i went in a deed in lue and gave up the keys for cash. XXXX years later now i see on my credit report a death of XXXX pluss .american servicing company says there is no death and now the say there is no records of that lone i faxed proff the wells fargo and wating on a responceim sorry i tried to make it short ps i am sdding documents also to you for help
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

I received a phone call from XXXX Solutions who was trying to collect a credit card debt from XXXX XXXX Bank XXXX {$1400.00} that they claim the principle balance is {$490.00} from XX/XX/2001, and the last payment was in XXXX XX/XX/2001. I told them this is over XXXX years ago and I am not familiar with this debt, and have no memory of the debt. In addition the name on the account was not accurate. The collector acknowledged the statute of limitations had expired, and that they do not report to the credit bureau, or file legal action, however, the debt is owed. I explained I have no recollection of the debt and do not contact me any further. They also were trying to initially collect on a duplicate bill, yet, admitted it was a duplicate bill.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been attempting to communicate with my servicer, Wells Fargo/ASC, since XXXX 2014. I am attempting to avoid a foreclosure by exploring some work-out options. My Single Point of Contact is almost never available. The next available agent never picks up the phone. My authorized 3rd Party Representative experiences the same issues. Wells Fargo has set up this system to guarantee a foreclosure because that is their preferred profit method. For Wells Fargo, investing resources in the loss mitigation department does not generate enough profit. Ignoring homeowners and eventually foreclosing upon them gives them the revenue satisfaction that they seek.
Consumer complaint received 2015-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Astra Business Services (FL)

I received a phone call from XXXX and answered the phone. After several greetings, no one responded at all, and I hung up the phone. I XXXX searched the phone number and found that it belongs to : Astra Business Services website - www.astraglobal.com It appears to be a collection agency. Concerned and not knowing of any debts whatsoever, I called the number back. The automated answer states that it 's Astra Business Services and, " this is an attempt to collect a debt. '' When I wait to speak to someone, I am hung up on every single time they answer. I called back 5 times. On the fifth time, someone actually answered and said, " Yeah what? How can I help you? '' As soon as I started to speak the person hung up on me again. 

I suspect that this number may be related to a scamming of some sort. I can not think of any other reason why they wo n't talk to me. Now I 'm concerned if I should pull my credit to see if there 's some debt I 'm unaware of, but that could be a complete waste because I 'm actually being harassed.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: IQOR US INC (AR)

XXXX XXXX has claimed I owe them for a fictitious debt for YEARS. Allied interstate is just XXXX in a long line of debt collection companies that XXXX XXXX has hired to act as their agent to continue this pattern of harassment. I have contacted Allied Interstate in writing and disputed the debt, They have not provided any source documentation as requested within the thirty days I allowed them to respond. Allied Interstate has continued to attempt to contact me by phone continuing this harassment, despite the fact they are unable to provide me with proof of this debt.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I had a balance discharged on my XXXX XXXX XXXX account back in XX/XX/XXXX and I filed taxes on it and both the mortgage and the XXXX mortgage should be reporting a zero balance. XXXX XXXX XXXX continued to report a balance on my XXXX mortgage till I disputed it with the credit bureaus and it was updated to zero in XXXX. Much to my surprise this month XX/XX/XXXX, Equifax sent me a new report showing the balance being re-reported. I have disputed this multiple times and submitted documentation to the bureaus and XXXX XXXX XXXX showing the error and apparently to no avail. I need this updated to report correctly as soon as possible as I am trying to purchase a home and this is stopping me from doing that.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I would like to file a complaint against Equifax for consistently reporting erroneous information regarding my credit report. This agency has continually reported outdated erroneous information and all the while omitted or blundered good information. I have reached out to them several times but they have not challenged the creditors and to boot have adversely reported good information. By the way all other agencies have complied with fair credit reporting policies, that 's why the other agencies have consistently reported my credit score higher than Equifax. 
Creditors in question are XXXX XXXX XXXX, and XXXX CA XXXX. Equifax is reporting the XXXX XXXX XXXX XXXX items as having received the last payment in XXXX, which is incorrect. The last payment XXXX received from me for these XXXX accounts was XXXX XXXX which means that these items should have been removed by XXXX of XXXX. Regarding XXXX CA XXXX, this account is totally out of compliance as of XXXX XXXX as it is beyond the mandated XXXX year maximum reporting period.I have an account with XXXX for XXXX that I am paying on time and miraculously Equifax has omitted its status, but XXXX XXXX XXXX have reported it in good standing. It has been emotionally challenging dealing with Equifax as they repeatedly report erroneous information that I have to use my days off in order to attempt to get them to correct. At this juncture I am appalled by their negligent reporting practices and am seeking your assistance to force them into correcting their credit reporting errors, and to remain compliant in the future. 
Sincerely, XXXX XXXX.
Consumer complaint received 2015-10-12
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX, 2010 I purchased a foreclosed home from Bank of America XXXX BofA XXXX. BofA still thinks that it owns the home and is mailing me debt collection notices and sending debt collectors to my house.
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called BOA and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't " High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I had a store credit with XXXX with a balance due of {$560.00}. The balance went unpaid and XXXX sold the account to a collection agency. In the process, I paid XXXX the full account balance. XXXX is reporting on my credit that the balance of {$560.00} was written off even though they received the full payment. The collection agency is reporting a balance of {$560.00}. After several disputes with the credit bureaus and with XXXX, the information is still incorrect on my credit report.
Consumer complaint received 2015-11-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (FL)

My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. 

We have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. 

They have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls.
Consumer complaint received 2015-05-06
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (PA)

In XXXX, my friend purchased a {$300.00} MasterCard gift card ( plus {$5.00} in " fees '' ) at a local grocery store ( XXXX ). According to the packaging, it was issued by the US Bank National Association. She gave it to me later in the month or early XXXX. In XXXX, I decided to use it. The instructions said to to register it online prior to making an online purchase. I attempted to do so at XXXX - the site listed on the packaging. The site told me they could n't find the card so I called the customer service number - XXXX. According to customer service, the card was not activated at the point of purchase and I was directed back to the store. I went to the store ( WITH the receipt for the gift card ) where the baffled manager said he could n't help me and HE called the customer service number and they advised him I should call back with instructions. I returned home, called the number, and the rep told me I would have to fax the receipt, along with a copy of the gift card ( front and back ) to the attention of " Gift Card Activation '' at XXXX. She said it would take 7-10 BUSINESS DAYS to activate the card. I did this on XXXX XXXX. On the XXXX day, the card was STILL not activated. I called AGAIN and the rep told me they would " escalate '' the matter -- but refused to find out if even the fax was received as that was a " different department. '' When transferred to a supervisor - she told me the same thing. ( But how can you " escalate '' something that is ALREADY late on your part?! ) She took my phone number ( which was already on the fax I had sent ) and said someone would call me back in 24-48 hours. After 48 hours passed without a call, I called them. The supervisor then explained that it was n't 24-48 hours in day time -- it was 24-48 hours -- BUSINESS HOURS. ( Have you EVER heard THAT? ) Which, he told me, would be five more days before I would hear about ANYTHING. This is OUTRAGEOUS! I asked him for the name of the company he worked for and he said, " Card Services. '' I asked for the physical address so I could put it on the complaint form to the XXXX Attorney General. He refused to give it to me and could only tell me that the business was located in XXXX. So, after being told the card would be activated in 7-10 business days, it was n't. Now I am " lucky '' enough to have this matter " escalated '' so it MAY be five MORE days before a single person calls me and will probably tell me " they never received anything. ''
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

had requested Transunion to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2016-03-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My mortgage was sold from XXXX XXXX to Carrington Mortgage. First off Carrington imposed their own insurance when I already had mortgage insurance with XXXX XXXX, had for years. All documentation was sent to Carrington as proof of insurance. The imposed insurance created a shortage in escrow. When Carrington added my insurance they added it twice thus charging me twice for coverage and increasing my monthly payment by {$340.00}. Have called many times and try to resolve the issue. They have accepted they made a mistake when adding the insurance to escrow account, however, they refuse to run a new escrow analysis to adjust the payment. They said they would spread the amount over 36 months to bring my monthly payment down, money I have to pay for their error, they failed to do that as well. I have called 7 different times to resolve this issue and there is no resolution. Once the customer service representative just said you have a good day and ended the call. I do not know what else to do or if and what rights do I have, is my only option to loose my house or keep paying the raised amount?
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Billing disputes — 
Company: The Law Office of John P. Frye P.C. (TX)

The Law Office of John p. Frye, P.C. ( a collection agency ) has illegally debited my bank account for an amount that was never authorized by me. I filed a dispute with XXXX XXXX XXXX, and it was found in my favor that this group had not acted properly. After some research, I found that this group does not have the best ethical track record.
Consumer complaint received 2015-08-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I got employed by the company in XXXX 2015. I was give a user name & password where I could communicate with my manager as well as receive my new tasks. 
I got my first assignment in XX/XX/XXXX which I was told that there will be a deposit of {$5000.00} in my account and that check with the bank to make sure that the funds is available then report to my manager for instruction. I was told to withdraw the funds & XXXX ; to send it to XXXX clients in XXXX by using XXXX XXXX XXXX XXXX ; then to scan the receipt & loaded in the systemand also call XXXX to make sure that the funds were available to be picked up. I received XXXX more transfers after that which was instructed to do the same but different clients. 
Two days later my bank statement was showing negative so I contacted the bank & was told that Navy FCU is asking for the money back so I contacted my manager via email & assured me that the issue will be resolved & amp ; that she is working with the financedept & XXXX ; client in order to take of this matter. I emailed her few time a day for the next couple of days since issue with the transfer was not fixed so the third days I was unable tolog in in order to communicate with her since they deactivated my log in & password. I have emailed their HR person as well as the risk management dept chief, head of the investment dept & public relation chief and no one has responded back to me. I have alsocalled my contact that is suppose to be in NC XXXX XXXX for assistance & he has not returned any of my phone calls. 
According to Navy FCU the money was transfer to my account & they have a record of it but could not give me any other information since I am not a client of the ban & XXXX ; my bank has done anything to help me but asking for me to deposit the money that I do not have back i the account. My back never notified me of these transaction instead they suspended my on line profile & that is reason I found out about his issue. 
According to the web site this company has locations in XXXX, XXXX, XXXX & XXXX. 

Total of money owes is {$14000.00}
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (NY)

I have had a Bill Me Later ( BML ) credit account for several years and have had no trouble navigating their website to make my payments. BML was taken over by PayPal ( P-P ) within the last year. When I would make a payment after P-P took it over, I would go to the BML website and be redirected to the P-P payment page. Over the last two months I would try to get to the P-P website but I could not get to the correct place to manage my account, check my balance or make a payment, so I would have to go through BML website and would then be re-directed to the P-P website. I found if difficult to navigate the website to find where to get my balance or make a payment. The last time I was able to, this is what I saw. 
PayPal Balance {$0.00} ( available ) Pay Pal Credit {$530.00} ( available credit ) Seeing this, I would think that I had a 0.00 balance due on my account. 
( underneath this line, in a font size XXXX times smaller than the previous lines was : {$120.00} balance due ( which I did n't see until the P-P representative helped me get there ) Today I received a telephone call from a P-P representative telling me that I had not made a payment in two months. I immediately went to the web page, which required the help of the representative to tell me how to get where I needed to in order to find my balance and make a payment. When I got to the page I told her that it said {$0.00} balance. ( which is why I had not made a payment ) She then instructed me further to find the correct place on the website where I would find the correct location of the account balance and make a payment. I take complete responsibility for any original balance that I owe. I attempted to explain that the website was not easy to navigate, especially having never used P-P before this, and that I asked them to waive the late fees, which at this point were {$95.00}. ( the account balance after my last payment in XXXX 2015 was under {$10.00} ) I asked them to check my payment history to see that I had been making regular payments, they refused. After speaking to XXXX different representatives and a supervisor they refused to waive all of the late fees and wanted payment of {$120.00}. I attempted again to negotiate with them but they would not waive the total late fees of {$95.00} I have not had a late payment or not made a payment on that account while it was with P-P to that point. 
I have told them that I will pay the original balance I owe and wanted to close the account. They refused both. I had not heard from anyone at P-P prior to today ( XX/XX/2015 ).
Consumer complaint received 2016-03-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (MA)

My wife and I bought furniture at XXXX/Ashley Furniture XXXX on XXXX XXXX, 2014. We agreed to a 20 month promotion with which we misunderstood the " no interest '' aspect for an initial total of {$10000.00}. We made a payment every month of at least the minimum required, including a {$5000.00} payment last week. It was the interest charged line item on our last bill of {$3700.00} that is the reason for this complaint. Yes, shame on us for not scrutinizing the fine print on the initial paperwork and the monthly bills, but, in our defense, we have never had a transaction like this. I can not believe that it is legal for XXXX/Ashley Furniture/XXXX to charge 28.99 % interest in accordance with their convoluted Finance Disclosure Form concerning Deferred Interest with Payments. We are in our XXXX worked as professionals all of our adult lives ( I am still working full time XXXX ) and feel that we have been taken advantage of because we are busy. This type of promotion is deceptive and fits the definition of usury.