davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

My problem is with  Loan LLC . In  XX/XX/XXXX I paid two mortgage payments to  LoanCare s o that I can get advance my payments. In   XX/XX/XXXX   I pai d two  payments also ; I did n't know early payments was n't allow. I checked my payment histo ry one day to learn that the two  payments were returned to my account only they never put into my account. The payments were both {$620.00}. I talked to  LoanCare  about the money, and emailed them    XX/XX/XXXX  They told me to give t hem 5  business days. They said if I wrote about the same problem it will slow them down. It has been about 45 days now and I have not heard nothing about my money. If I had my money I could go on and pay the  one month I 'm behind. These people have made my credit  bad by reporting me for late payments and not paying on time. My payments were due in the  XXXX  and I was paying on the  XXXX . I was paying by money order when I first started paying and the  XXXX  money order was never cashed. I deposited that money order in  XXXX . They are the worst company to work with. My credit should never have been an issue, it was the company that had my money ; by right I 'm still a month ahead but they have harasse d about being two months behind ; although I 'm just one. They have sent me foreclosure letters. I have tried to apply   for Loan Modification and still nothing happened.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

At  XXXX  on  XXXX   XXXX  I received an email that was made to look lik e it came from Wells Fargo ,  confirming a trip to  XXXX   XXXX   XXXX   XXXX   that  was booked with m y Wells Fargo cred it card for  XXXX   XXXX  through  XXXX   XXXX . The email had my name, and the la st 4 digi ts of  my Wells Fargo C redit card, links that sent me t o wellsfargo.com, whi ch I later found was routed through a google search to the wellsfargo.com help page, and had a toll free number to call if the charge looked fraudulent.   I called the number, and it was an exact match o f the Wells Fargo call in line. Same automated service, same hold music and I was greeted the same way I am greeted when I typically call Wells Fargo. I was asked for my name, SSN, and then my account user ID. I gave my name and SSN, but when he asked for my user ID, I became suspicious that I was not actually speaking with Wells Fargo so I told him that I did not remember. After questioning me why I did n't remember, he eventually said that he was going to escalate this to his manager. When she came on the line she asked for my name again, and the last 4 digits of my SSN, which I gave. She then said that my account was on hold, told me there had been a large charge recently on my account, and asked if I could tell her any of the recent amounts. I told her I did n't know, because I rarely use the card. She told me the most recent total and airline it was booked with, then asked if I had booked the trip. I told her no, she said she would deny the charge, and asked me if I would like to take my account off hold. I said absolutely not, and said I wanted the card canceled. She said that all  she could do was keep it on hold, so asked if there was anything else she could do for me. I told her no as I realized what information it was that I just gave to someone I knew was a scammer. I asked for her name, and she mumbled out a generic sound. I asked her a couple more times and she finally settled on  XXXX .   
I got off the phone and immediately got my Wells Fargo card and called the number on the back. The Wells Fargo associate I spoke with got into my account and immediately let me kn  ow that there had been  XXXX  charges that were flagged, and proceeded to confirm which charges were mine. He then closed the account, let me know where to send the e-mail s  o Wells Fargo can follow up, and set up a new account for me.
The questions the Wells Fargo associate asked was exactly the same as I got from the scammers, which led me to believe that they were recording my answers, and planned to call Wells Fargo and play my answers in order to get the charges approved.
I have since updated all my passwords, put a 90 day freeze on my credit, and called all the financial institutions I work with to set up 2 part verification.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I noticed a collection account on my credit report for a company with which I have never done business. Fair Collections and Outsourcing claims that I owe {$10000.00} to them. I sent a certified letter to dispute this accusation and request validation, the company received and signed for the letter onXX/XX/XXXX. I have the electronic signature confirmation from the US Postal Service as proof. This company is required by federal law to place a " notice of dispute '' on my credit report within 30 days of receipt of my dispute. They failed to do so. I pulled by credit report again on XX/XX/XXXX and there was no such " notice of dispute. '' I have retained a date stamped copy as proof. They are in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I sent another letter which they received and signed for onXX/XX/XXXX.  This letter was to inform them that they violated the law and instead of pressing charges, I would be willing to refrain from further action in exchange for a deletion from my credit report with the 3 major credit bureaus. I have not yet received a response from them. This is very damaging to me and I think it is very unfair for a company to be able to break federal laws with no consequence. Please help.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL) (FL)

****THIS IS NOT A DUPLICATE COMPLAINT*** *****additional information is attached. ***** Recently I disputed these accounts on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I do not owe your company any money. Additionally, I know it is illegal for a collection agency to collect on behalf of another one. How can a collection agency extend credit to consumers? They simply ca n't. Since you ca n't produce a contract between me and  United Collection Service  these accounts need to be deleted from my credit report. You are in violation of both the FDCPA, HIPPA & THE FCRA. If these listings are not removed from all  3 o f my credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.  <P/> In th e US  law encyclopedia,  XXXX   XXXX ,  73 Am Jur 2d.  Sections  90-93  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

Citi sent me two letters saying that I may of been enrolled without me consent in a Credit Protector and was charged a monthly fee. when I try to go to www.Citi.com/RefundInquiry the site jumps you all over  from tax refunds to other government refunds available. Citi has now sent me a FINAL NOTICE of filing for refund with the same web site and same results.
Consumer complaint received 2017-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

I was attending school back in  XX/XX/XXXX - XX/XX/XXXX . On   XX/XX/XXXX ,  I fractured my  XXXX  and I was unable to complete my schooling. I never received a certificate of completion or anything like that. In   XXXX  , I went to see if I could finish the courses that I missed. They told me I could and that they would contact me when they started again. A year passed and I did n't hear from them. So I tracked them down and asked if I could finish the courses that I missed. They told me I would have to pay for the course again. Obviously that was n't an option for me and I 've been paying on the loan ever since. My loan was for {$25000.00}. I 've been paying {$170.00} a month for about 9 years now which is roughly {$20000.00} dollars paid out, which would leave only {$5000.00} to owe. I still owe more than {$12000.00}! I have no idea what those payments are going towards. I only have a 3 % interest rate on the loan. Ideally, I would like my money back, either what I 've paid them, or refund the remaining balance and put a stop to the endless monthly payments. I 've told  Navient a ll of the above information and they told me I could take out another loan to pay them off, which is n't an option. And they were n't even empathetic to my unusual dilemma.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I would like to know why  XXXX   XXXX  is still employed at wells fargo. It was proven she lied about me harassing her in the   XXXX   XXXX   location  XXXX   XXXX . And she keeps on having her family members harass my son and spread false accusations about him and me.  XXXX   XXXX  has never been able to stop harassing me and my son, she keeps coming around us even though she do n't live across  the street f rom us anymore. If me and my son harass her so much why is she coming around me. Why does  XXXX   XXXX  keep getting protected and it was bias why wells fargo closed my checking account, because  XXXX   XXXX  influenced them to do so. And how   XXXX   XXXX   sent me a threatening letter tell me I harassed their district  manager. Her  husband  XXXX   XXXX  nearly hit me while I was cutting my grass he when he was backing up in  his drive  way.  XXXX   XXXX  has slandered my name all through wells fargo looked at my personal information and telling it to her family. She wants to keep coming around me and falsely accusing me of harassing her.
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

This is in regards to loans that I had to put on forbearance and deferment during schooling and difficult financial periods. Navient is charging me an extra XXXX of interest. They say that when I agreed to the deferments and forbearance, they were able to capitalize the interest and the extra interest they get to collect from me. My original loan amounts were {$25000.00}. They now want {$35000.00}. This equates to about 27 % interest in top of my original amount. Not ok!
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (NV)

This involves the  XXXX   XXXX   XXXX    XXXX   (   XXXX   ). I enrolled to receive an estimate of the schooling cost and wanted to start college. I was enrolling for financial aid and got approved, but the money NEVER transferred to my account. It seemed no one at the school knew how to resolve my issue so I disenrolled from the school and the classes. Then the school called me and told me I owed money for classes I disenrolled from because the disenrollment date had passed before I dropped them. I refuted them for the charge because I should n't owe money for absolutely nothing. I was told I would get help to resolve the issue but no one ever called with further information.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have an account wi th Portfolio Recovery  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IN)

Who : Unknown. I do n't know who opened the credit card without my authorization What : Victoria Secret Credit Card Where : In  XXXX  Indiana When : The credit card was opened      XXXX   XXXX   XXXX   Why : Unknown How : It was opened electronically Company : Victoria Secret A Purchase : The purchase was made on   XXXX   XXXX   XXXX   Bala nce Accumulated : {$330.00}
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I used money gram to send {$200.00} to FLA.to a XXXX XXXX and feel I was scammed by these people, I was contacted by a XXXX XXXX XXXX telling me to send money for my share of winnings on XX/XX/2018
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

In lat e  XX/XX/XXXX , I applied  for a loan modification wi th Ocwen Mortgage as m y family lost an income. I was behind in payments about 3 months but I offered to pay the amount in full during my modific ation application process. Ocwen advised they would my defaulted payments to the end of my mortgage so no need to pay anything at the time. Each time I applied and followed up with Ocwen, they were " missing '' something. I think the first time they were missing my income verification which I sent to them 3 times. My husband had monthly calls with Ocwen and was not advised of anything being a problem. However, during these calls, Ocwen would advise that my pending application had expired and I had to apply again. I applied 3 t imes and again, they were always missing something when my husband had his monthly call with them. I believe th e 2nd application was missing tax returns which I sent over multiple times. Every time we spoke with Ocwen, they  advised my modification was under review. In   XX/XX/XXXX  , the new owner of my house that was foreclosed on and sold at auction showed up at my  front door. I called Ocwen and asked why we were n't notified that we entered into foreclosure the 20 times we talked with them. They did n't have an answer. I believe they sent a certified letter about  a month before but I never signed for it. My mother, who lives with me and has  XXXX ,  may have signed and k ept the letter but we never did find it even when I had to vacate my mother, mother in law and  XXXX  children. Every time my husband spoke wit h Ocwen, he asked  about foreclosure and he was advised we were NOT being foreclosed on and they would give us plenty of notice. Again, I offered to pay what I owed in arrears b ut Ocwen sugge sted each time that they prefer to add what I owed to the end of the mortgage. Not only did I lose my equity in a house I owned for 13 years but I no longer have an impeccable credit history. Fortunately, I found a landlord willing to take a chance on me and live in a very nice home with my children and mother. In fact, my landlord asked if I would please renew my lease as he wishes all his tenants were like me. I only mention this because I went through such an ord eal with Ocwen and feel like I was blatantly lied to every time I talked to them. The emotional toll this has taken on my family is beyond measurable.    Thank you,    XXXX   XXXX   XXXX
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other collection.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALTERRA GROUP, LLC (FL)

I started a loan process back on XX/XX/XXXX for a conventional loan with the Loan Officer XXXX XXXX NMLS XXXX, he give us the pre-approval and he told us that everything was verified, he ordered a FHA appraisal, when I asked him why, he told us that it does n't matter which appraisal is requested that he can switch the loans and seller can do whatever they want. In the middle of the transaction he said that my brother did n't qualified for the conventional loan we told him that the contract was specific for a conventional and I do n't understand why he makes me paid for FHA appraisal. XXXX told us that we do n't have to worry that he will approve us for conventional loan and he makes me paid for a conventional appraisal and we will close onXX/XX/XXXX. OnXX/XX/XXXXwe received a Loan estimate for a FHA loan with a seller credit for {$5000.00} that we did n't requested and a credit score 5.5 % that we never discussed about, when I asked him why everything look different with that high rate he said that 's the only loan we can have, knowing the contract specific said conventional. This loan Officer does n't even have idea how insurance work he asked me to paid for a hazard insurance with my credit card, when I asked him why he said : " because I said so and you do what I said '', when I contacted the insurance company they do n't have Idea why the LO gave me those instructions they told me that Insurance will be paid with the closing cost at the closing, and title will be distribute the funds. We are loosing so much money for the lack of knowledge of this Loan Originator and his unprofessional way to tread a customer. I have all the documents and different text messages showing all the wrong instructions this Loan Originator make us do.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

I am a victim of identity. Someone has obtained my personal information and created fraudulent accounts. I did not know how my personal information was obtained or who obtained it. I did not give permission for anyone to use my personal information and I did not receive any services or goods from these accounts. I filed an Identity Theft police report and also reported this to the Federal Trade Commission ID Theft Affidavit. I have sent the company notification I am a victim of ID Theft have sent them my ID Theft affidavit, statement and ID Theft police report. Desgn Rec still is knowingly reporting the fraudulent accounts on my credit report after they are aware I am a victim of ID Theft. These are not my accounts, they are a result of ID Theft and I need all attempts of collecting these fraud accounts