davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

I got behind with out mortgage payments due to an unforeseen illness in XXXX. I reached out to my mortgage servicer FAY Servicing LLC in XX/XX/XXXX to seek help for several months with no luck. The lack of response from our mortgage servicer led to hire attorney thinking they would respond to an attorney because they have had shown no interest in talking to us directly. In XX/XX/XXXX our attorney submitted a loss mitigation application i. After 4 months of back and forth with our mortgage servicer FAY Servicing LLC claimed  they did not receive all documents requested and in XX/XX/XXXX they sent us a letter stating our application expired and we would have to start the process all over again. We resubmitted an application for loss mitigation help and only seven days after they claimed they received our complete package they denied us and said we were not eligible for any programs because of lack of income. Throughout the entire second application attempt we were getting what appears to be foreclosure related documents leading me to believe we were being dual tracked during the mitigation process and they had no intention of making an honest attempt at a workout option. I have had to pay my attorney approx 5k to date in fear of the servicer filing a foreclosure action before a mitigation option was presented. This servicer is despicable and had zero intentions of trying to help us.
Consumer complaint received 2018-02-28
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 — Investigation took more than 30 days
Company: PNC Bank N.A. (MI)

paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd. (GA)

well Macdowell and associates I called to settle my debt XXXX is supposed to be the collector on the my case well I asked her for a settlement amount and she begin to get rude with me about no I can not settle for {$900.00} and I have to meet somewhere close to the amount owed. I don't know why they would place a different amount on my credit report then when I call in the amount is totally different then what is stated on my credit report. I never received any communications about this debt and the only way I found out due to its income tax season and I usually pay my debt off around this time. XXXX seems rude and unethical remarks makes it no better I am not the first to complain about this due to she has her name posted in XXXX review from a complaint another consumer posted that was also trying to settle their debt but could not due to XXXX was very rude and uncanny and hung up the phone on me and the other consumer when I was simply trying to see if we could settle. she began to state that all of her bills were paid and she did not have anything to worry about. okay where did that come from I just want to see If we can meet in the middle somewhere then she began to be very harsh and say what are you offering to pay I gave her a figure and she proceeded to keep telling me repetitive but in a sarcastic way no that's not good enough and she hung the phone up on me when I attempted to call back they would not answer the phone. I have attempted to submit payment to this company and they refused and mailed the payment back since it was not the amount that was agreed on. this incident happened at XXXX on XX/XX/18 ( MacDowell and associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX )
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Miller, Stark, Klein and Associates (CA)

I first contacted this company as a result of returning a missed phone call. When the person in that company answer they asked me for my name which I gave. From there they began demanding I give them my social security number, address and date of birth. 
I asked two times for very basic information on my end Who are you and what is this about? They refuse to tell me instead they kept demanding for my private information and claim they wouldn't tell me who they were unless I gave such information. When I told them that I would not give them any private information the woman on the other end of the phone got really angry. Began to threaten to sue me and that she would report that I was being uncooperative and refusing to help. I still don't know what this is about but I just go another call from the same phone number. So I did a phone number reversal look up online and it turns out its a company called. Miller Stark and Associates located in North Carolina. I live in California so I have no idea why a company in North Carolina would be trying to contact me. This sounds extremely sketchy, abusive and harrasement. I do believe even if its some sort of old debt which I am unaware of *I have really good credit and don't have any outstanding debt* this is illegal in my State.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XX/XX/XXXX, I filed a complaint against the credit bureaus to delete the Bank of America accounts opened in XX/XX/XXXX. I am a victim of mixed files and Bank of America sent me correspondence dated XX/XX/XXXX. In the correspondence, BOA is saying that they did an investigation and concluded that, " YOUR CREDIT FILE MAY BE COMBINED WITH SOMEONE WHO HAS A SIMILAR NAME. PLEASE CONTACT THE CONSUMER REPORTING AGENCIES LISTED BELOW TO HAVE THIS CORRECTED ''. So I did. I sent them a letter dated XX/XX/XXXX, and even filed a complaint against them with the CFPB and uploaded a copy of the letter from BOA which I am attaching to this complaint. Obviously, XXXX didn't care to investigate. They refused to delete this account that belongs to someone else. As a furnisher, it is your responsibility to correct this ASAP.
Consumer complaint received 2018-02-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (AL)

Almost 10 years ago we did a short sale and sold our house in XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This was our primary residence. There was a temporary law in place where a homeowner was not penalized for the debt forgiven. I received the attached document showing the identifiable event occurred on XXXX-17. Ocwen keeps harassing us every 2 years about this and now they have sent a XXXX Every two years we have to show them the debt forgiveness paperwork from the closing. The original mortgage company was XXXX XXXX XXXX XXXX and Ocwen must have bought them out. As an FYI - we also had a mortgage with them in XXXX which was paid in full and we have since sold that house and moved to XXXX.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (MD)

I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (FL)

I filed chapter XXXX bankruptcy with case # XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, PayPal Credit, DBA as XXXX XXXX XXXX, drafted a letter on On XX/XX/XXXX, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, XXXX XXXX XXXX ( XXXX ). 
Verbatim : " Company 's Response : Correspondence was sent to you on XX/XX/XXXX, advising that PayPal Credit closed your account ending in XXXX because a subsequent account in your name was identified. This account, ending in XXXX, was referred to an outside collections agency due to delinquency. The contact information for the outside collections agency was provided if you have questions or would like to make a payment. '' I phoned XXXX & XXXX ( XXXX ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (FL)

I have been trying to resolve a complaint with Lending Club. Pursuant to the lending agreement, I submitted a request to arbitrate the case. 

Lending Club has not responded in any way to my attempt to resolve the matter. They have since written the loan off as noncollectable. 

I would like to have this case resolved via arbitration per the agreement.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This is a follow up to my original Complaint XXXX ineptly handled and in fact outrageous handling of these issues and simply putting me through a lot of just not necessary expense and aggravation and still they failed to do their job properly. 

THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Absolutely ridiculous and outrageous the way Wells Fargo dealt with this issue for years, and absolutely ridiculous how they are allowed to get away with this. They filed a lien release after many years according to them, this I now find to be incorrect as well. 

I had to go ahead and hire a Title Company personally because of Wells Fargos failure to deal with these issues in a proper manner to actually get me these Lien Releases in the last week. 

I now find out these were all released and Wells Fargo instead of doing this properly like the Title Company did. They have Clouded my Title by Filing another not necessary Lien Release. These folks should be held accountable for this turmoil they have caused in peoples lives. 

I have asked them to provide their agent of service in California this they have not done this, as I intend to take this matter to small Claims court in California to recover costs and the impact this has had on my life to date and continuing. by their failure to do the job properly, and file more and indeed improper documents against my home. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have multiple hard inquiries on my credit report that I do not recognize and are unauthorized. I have called TransUnion as well as sent a fax. Their response has been to get in touch with the company that originated the inquiry. When I have reached out to the company who has originated the inquiry the tell me to talk to the credit bureau. 
As you can imagine this is very frustrating. As you know hard inquiries are looked as a negative on a credit report and can cause me to get turned down for potential loans, credit, and mortgages. 
The following inquiries were not authorized by me : XXXX XXXX 12XX/XX/XXXX XXXX- XX/XX/ XXXX- XX/XX/ XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/
Consumer complaint received 2018-02-02
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: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX or XXXX XXXX will not change the status of an account showing to be paid off instead of written off they took the money from my check and for some reason XXXX XXXX, XXXX, and XXXX   will not fix this other then saying they investigated and left it on my report as a negative status, i have the court papers and garnishment papers from my place of employement showing that they received this money also my pay stubs. these credit reporting companies do not care to listen to the consumer it is all about the companies lying to them saying that the status is correct.
Consumer complaint received 2018-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

Navient has been raising the interest on the account to unethical amounts. I have been paying more than minimum payments since 2010, and have only reduced from the principal amount on my private loans by about {$400.00}. Their tactics are designed to keep you stuck and paying them your whole life. Preying on individuals who can't afford to pay off in lump sums or have good enough credit to refinance is a core problem with major finance companies. Another bubble is being created and companies like Navient are the catalyst.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IA)

I've been a customer of Coinbase.com for about 1 year. On XX/XX/XXXX our bank sent them a wire transfer of {$200000.00} USD. IMAD # : XXXX XXXX On XX/XX/XXXX Coinbase sent us an email which read " You recently sent a wire to fund your Coinbase or XXXX   account for {$200000.00}. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing ... '' see attached We sent them an email on XX/XX/XXXX and all we received was a robot response. see attached Today XX/XX/XXXX I went online to see if there were others having this problem with Coinbase and yes there were many. According to the others the best way to resolve their issue with Coinbase was with the CFPB.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Credit Reporting Agency, Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

Account Name : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (GA)

I have had my limit slashed ... I was told a letter was sent on XX/XX/18 in reference to being late ... but not over 30 days - 12 days if I remember correctly. On XX/XX/18 half of the balance was paid off, as of now the card is completely paid off. This was very embarrassing when I went to use the card, and was not aware of the lowered limit. Now they are back peddling sending me the letter again - there are hundreds of bad reviews on this company. 

If I was late ... ok, but paid a late fee - this was as if I got penalized twice - one being the late fee, and the other being a credit line decrease.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It's shows under a hard inquiry with transunion that I have a current XXXX account. I do not, and even confirmed that by calling XXXX. I can't get through to transunion via XXXX XXXX to have it removed. Please help in any way as I am trying to repair my credit the best I can. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-02-27
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. (SC)

On XX/XX/2018 & XX/XX/2018 I filed a formal complaint with XXXX XXXX that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. TransUnion simply responded by updating those accounts as verified and accurate and NEVER sent me the verified proof that I demanded.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX contact XXXX who is a Collection Department/Attorney/Agency who threatened to put this particular debt and another on my credit after I told them that I do not know who they are, I do not have an account with them and NEVER had an account with them. I have seen at least XXXX times in 1 month where they have attached derogatory remarks and collections to my credit which i'm sure is illegal. I have attempted to dispute the information which is damaging my credit. I am filing an official complaint because my debt was sold to this agency from Florida XXXX XXXX, which I never received an invoice or bill for {$560.00}. I explained that to them on a line i record and now my credit is being damaged and i never even knew i owed them until recently! I have a copy of the credit report where they are putting derogatory remarks and collections on my account.
Consumer complaint received 2018-02-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I mailed an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX XXXX has failed to communicate instructions on the process of the short sale and now the homeowner is at risk of losing the property. On XX/XX/XXXX, we requested that Rushmore open a file to have the property reviewed for short sale. They advised that because their system reflected an open loan modification review, that they would need to have that closed first in order to have a short sale opened since both could not be opened concurrently. I made them aware that this needed to be escalated since their was a sale date approaching on XX/XX/XXXX. On XX/XX/XXXX, I followed up with them to see if it had been completed and the representative advised that it had not but either way, we would have ample time to proceed with the short sale especially since we already had a buyer. Again, I reached out onXX/XX/XXXXand spoke with another representative who advised me to send in an authorization along with the listing agreement to their designated fax number. He advised that this would at least open up the workstation. I faxed in all documentation the same day. I understand that it takes Rushmore approximately 24-48 hours to have the information uploaded into their system so i called back on XX/XX/XXXX to confirm receipt that the fax had been received. At that time, i spoke with someone who confirmed receipt and went over what other document they would need to proceed. We gathered all the documents and faxed them out onXX/XX/XXXX. I called yesterday to confirm receipt and spoke with a Rep that they had been received but that the short sale would not be reviewed. When i asked why, he advised that the information would have had to been complete 30 days prior to the foreclosure sale date ofXX/XX/XXXX. I tried to explain to him that this is not what was being told to us and we followed the instructions of all the previous representatives that i had spoken to. He rudely advised that me being in the industry would have know this obvious guideline. I let him know that i in fact have been in the industry for quite some time and also know that it is Investor specific and that it is customary that the Servicing company advise you of such guidelines depending on the Investor. He still disregarded anything i had to say and advised that either way they were going to proceed with the sale of the property. I just cant believe the level of service from him I received and just find it unfair especially to the homeowner who fought so hard to prevent foreclosure in the first place.