davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My mortgage was sold to Carrington Mortgage Services by XXXX back in XXXX of 2015. Until that point I had always been on time with my mortgage payments. In XXXX of 2015 I became late on my payment after I made the payment on line but XXXX the account number by XXXX digit so the payment did not go through. I did not realize my error and evidently neither did Carrington because I did not get notified by them for more than 30 days and then my notification came by US Mail, not a courtesy email or phone call, although they had my email and phone number, but they used snail mail. By then I was over 30 days late so a credit report entry was made. To compound matters, they then took my XXXX payment which had been made during the waiting time and applied it to XXXX without telling me that is what they did, and subsequently my XXXX payment became over 30 days late of which I was also not notified in a timely manner, another credit report entry. No phone call, no email, just another XXXX Mail letter, way after I could do anything about it. I finally found out about the XXXX payment so I quickly reauthorized it on line to stop the cascading of late payments. The company has been absolutely un-caring about the situation and unwilling to work with me on it, even though I had obligated all of the money necessary to make all the payments on time and only by a random keystroke mistake was I even late in making the first payment. They also refuse to acknowledge that they share at least part of the responsibility since they took so long to notify me that my payment was late. I am searching for the correct state and federal agencies to work through to ensure this company gets the attention it deserves.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
Consumer complaint received 2016-04-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Creditors, Inc. (TN)

I was double covered by blue cross during this visit. I told them to file it to all of my insurance accounts and Then if there was a balance ( which there should n't be ) to Bill me then. They were unhelpful and clearly did not bill my insurance as asked. They wanted to collect money from Me immediately instead of billing my insurance. I can show proof of the insurance and they can not show proof that they filed it to all of my insurance. This is an issue EVERY time I visit this hospital. Furthermore, this collection agency REFUSES to give you the contact information for the company they are collecting for so that you can push to have the issue resolved. This company is very dishonest
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CO)

Mortgage company Fay servicing LLc, has neglected to send us any mortgage statements in over the 2 years after our mortgage was sold to them, although several requests were made, we fell past due and since we never had information showing we were late we never realized the late payments or payments that said were missed and made. Fay servicing also takes a very long time to process payments and charges late fees. no contact from the mortgage company to try to rectify,
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

During my relationship with Nationstar as my mortgage holder, they tend to lose or misapply my mortgage payments to completely unrelated accounts at least once and in some years twice. XXXX has done this with my XX/XX/2016 payment which exceed the amount due and was sent in the form of XXXX cashiers checks and XXXX small money order totaling XXXX. The loan account number was written on each and a cover letter was also provided. I called them in XX/XX/XXXX when I received a notice concerning the XX/XX/XXXX payment. on XX/XX/XXXX, the gentleman on the phone at Nationstar confirmed that they had just received the XX/XX/XXXX payments and he could see it in his system. He could also see the wire I had sent earlier that day for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX that they were threatening foreclosure and I was owing a payment. I called Nationstar and spoke with a person named XXXX who was useless in identifying my earlier conversation that had said he could see the checks. The threats to foreclose and the mishandling of my payments has increased since my house is no longer underwater in value to debt. Nationstar is either deliberately putting my account n jeopardy or is grossly incompetent
Consumer complaint received 2016-04-07
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (AK)

My problem is with Wells Fargo reverse mortgage department. I was appointed the personal representative for my mothers estate and have been attempting to resolve the reverse mortgage with Wells Fargo for close to a year. I have followed all the guidelines set forth by Wells Fargo and they continue to stall, request documents many times over, tell me they have everything they need and then a week later ask for something new. The requests come XXXX at a time. I do n't think they know what they are doing. I need some help. Thank you
Consumer complaint received 2016-10-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (TX)

I recently applied for and received a loan modification from Selene Finance. Between the time that the loan modification paperwork was executed by Selene and the XXXX XXXX, 2016 statement, I anticipated that a XXXX payment would be due and did not want it to be late. Therefore, on XXXX/XXXX/2016 I sent a check to the bank and it was received. Two days after I mailed the XXXX payment, I received the XXXX statement from Selene indicating that a $ XXXX was due XXXX XXXX and that my next regular payment would be due XXXX/XXXX/2016. So I called them and asked them to credit the payment that they would be receiving to the principal portion of my account. They denied the accuracy of the $ XXXX statement saying that a system glitch had sent out the statement. However, I again received a statement today confirming that a XXXX - NOT XXXX - payment would be due on XXXX/XXXX/2016. Can you help me to get credit for the XXXX payment that I sent in and have it credited to the principal balance? Thank you so much!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AR)

I am paying my loans off to Fedloan services. As I try to pay ahead each month for my XX/XX/XXXX statement they said the amount owed for that month was {$0.00}. They did not have anything saying I would still need to pay interest for that month and what that amount that would be to keep me current for interest payments. Now for XXXX months in a row they have been taking all of my payment to catch up for the interest they say I owed in XX/XX/XXXX. They admit their statement said I owed {$0.00} for the month and that they did not bill me for interest, however I was somehow supposed to know that I should have made an interest payment. 
I asked " am I suppose to guess an amount and send it since you said my payment was {$0.00}? '' They did not have a good answer for me. 
I feel they purposely told me not to pay anything in XX/XX/XXXX so they could make more money on my interest payments. 
I would like to see them add to their billing statement explicitly {$0.00} owed for principle and {$140.00} owed so you do not get behind on interest. 
Thank you
Consumer complaint received 2016-04-07
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: First Sun Financial Inc (FL)

XXXX issued a check payable to our customer, XXXX AND firstsun financial inc. XXXX negotiated the check locally and received all the funds. we never endorsed the check or received any funds. XXXX even told us personally that he cashed it. i filed notarized check fraud affidavit for nonendorsement thru XXXX who says they submitted to XXXX in XXXX XXXX they said then that the bank said it would take 90 days. that passes 2 months ago. i have made repeated calls to the insurance company. i called the bank, they refused ant info, status or comment about my affidavit ... ..was it received? ... did they debit it back thru XXXX??? ... did they already refund XXXX?? as a XXXX, i know that such matters require tracing back the guily party ... .the bank or the insurance. i need to start with you to see what the bank has done. in my XXXX years of XXXX, i know that no problem next to major litigation takes this long! quite simply..they take my affidavit and the endorsement complaint, send as returned item thru XXXX who returns it to the negotiating bank, who might even send it to the local branch that took the item. either way it is THEIR responsibility to get funds from the customer. in the meantime, all parties should have been refunded along the way. 
I ask your help to investigate this matter with XXXX XXXX. we need to know what they have or havent done. 1 am attaching a copy of the check that was provided. I think 6 months is enough!
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FRIC HOLDING CORPORATION (CA)

XXXX XXXX bought a 10 year old judgement from First Resolution. Never informed of anything and had never heard of XXXX before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that XXXX is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.
Consumer complaint received 2016-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

My husband and I moved into our home in XXXX XXXX. We received a loan for {$63000.00}. Today my WellsFargo Mortgage is at {$40000.00} with an interest rate of 4.75 % and has a maturity date of XXXX XXXX, XXXX. I pay {$590.00} per month. I was diagnosed with XXXX in XX/XX/XXXX and was not working often due to XXXX and the XXXX so I had to get my loan modified so that I would not lose my house, but I thought my overdue balance was being added to the end of my loan and my interest rate was being lowered but it seems like I 'm being robbed. It seems like the amount I pay back will be a tremendous amount over what I should be paying back on this {$63000.00} loan. I feel like WellsFargo is robbing me could you please help me out and tell me if this right.
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have made two payments in the last month that are not reflected in my loan and loan 's history. I have made several complaints to my loan service provider, but with little avail, I have requested documents to assure my payments have been received.
Consumer complaint received 2016-04-07
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MS)

Our loan was sold to everhome. Fines for online or phone payments added to " fees '' instead of debit from Bank account. Snowballed amount. Payments would be sent a month early but somehow would n't post until after the grace period, late charge. Note went up. Sold to Greentree, had fines attached, note went up more. Now sold to ditech, note {$400.00} more than original fixed rate loan, had thousands of fees. Was told not to make payment for XX/XX/XXXX and XX/XX/XXXX to qualify for trial loan modification. Made the 3 trial payments, was told papers had to be in XXXX XXXX, on XXXX XXXX I received the package, with someone else 's modification paperwork. Called, spoke to XXXX people, no answers, emailed account manager, no answer, typed letter and enclosed with wrong paperwork requesting my paperwork. A month later, all I 've received is a visit because I 'm " in default '' and multiple calls where I ca n't get answers. Please help! It 's a va loan, the modification payment is our original payment, it 's doable. If we could just get the correct paperwork!
Consumer complaint received 2016-04-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (ID)

I was selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me, I do n't see any telltale signs of it being fraudulent. '' She also said, " once the money posts to your account, the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity, but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that, since this was a Friday, if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes, and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX, 2016, my Social Security payment was direct deposited into the account and they took it. I went to Legal Aid and they called the bank. XXXX XXXX admitted to my attorney that she had told me all that I stated above. She did this both on the phone and in emails. She lied and said that she asked me whether I was supposed to send money somewhere. She never asked me that. I would never have used that check without XXXX XXXX 's approval. But for her telling me to go ahead this mess would never have happened. My attorney called the bank because they are still pursuing me for the rest of the money. I told the bank that I thought the right thing for them to do was to write off the loss and let me close the account. They have refused to do so. Wells Fargo preyed on me and now they are continuing to do so. This is not right.
Consumer complaint received 2016-10-28
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

The bank charged off the amount owed and then turned around and sold my account to a third-party called Portfolio Recovery. They call numerous times per day at my office when I have asked them not to. They have told me repeatedly that they can not sue me, but they continue to harrass me about the monies that were charged off. I was told by my attorney when we filed bankruptcy that a charge off is like a bankruptcy, it will stay on my credit report for XXXX years but not to pay anything on it, this all happened about XXXX years ago when I filed bankruptcy and paid the XXXX for about 12 months and then had it dismissed. I am in good faith paying my bills off XXXX by XXXX, however, my attorney said to ignore any of the ones that were charged off that they are moot. Between health problems, marital problems, having to move XXXX different times in the last XXXX years I absolutely can not take the stress these calls cause me and have asked this company to cease and desist all phone calls to myself and my husband as they are very disruptive when they call us during work hours.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

I had disputed this account before with this company that never verified this account MEADE & ASSOC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , OH XXXX I have a a unverified account from Meade & Assoc . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt MEADE & ASSOC purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Consumer complaint received 2016-04-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on XXXX/XXXX/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is eagle loan company and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WINN LAW GROUP, APC (CA)

Winn law group bought a 10 year old judgement from XXXX XXXX. Never informed of anything and had never heard of Winn before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that Winn is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America 's collection group starts calling on the XXXX of the month if the monthly mortgage payment has not been posted on the XXXX of the month. The terms of the mortgage is that the payment is not late if it is received by the XXXX of the month. All payments have been paid before the XXXX of the month.