davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Repeated phone calls from Carrington Mortgage Company during grace period of harassing nature. Mortgage payment due on XXXX and have until XXXX before late and late fees incurred. Carrington representatives began calling on XXXX and have been harassing and rude in nature. Have outstanding credit and payment history. Mortgage previously with XXXX and no issues - never late, no foreclosures, no delinquencies, payment history is outstanding to the point where have over paid on mortgage and decreased mortgage payment and have begun to pay on principal. Mortgage was sold in XXXX 2015 to Carrington and have been dissatisfied with their service ever since. In addition to harassing phone calls, have recently received a completely inaccurate escrow analysis.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) are submitting derogatory in formation concerning an account from XX/XX/XXXX where we made calls using a toll free calling card and XXXX routed the calls so that it was a toll call. I filed the a letter protesting the charges on XXXX. I provided a copy of the to the CFPB. XXXX nor XXXX did not contact me per my letter. They have reported the derogatory information to Trans Union and I was refused credit because of the report.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: LTD Financial Services, L.P. (CA)

LTD Financial Services ( the same company I filed a complaint against noted in complaint number XXXX ) continues to contact me. They responded to the former complaint and informed XXXX that they have stopped collection activity. LTD Financial Services has since sent me a letter dated XXXX XXXX, 2015 ( see attached ). As I 've noted in the prior complaint, I contacted XXXX and confirmed they are not pursuing recovery. In addition, the information provided in LTD 's former letters is not valid contact information for XXXX. I also note, the XXXX XXXX, 2015 letter has a different telephone number than their previous correspondence to me however the letterhead has the same address and fax number. When I called to inquire why is LTD contacting me. The representative ( XXXX ) attempted to collect verifying information such as my SSN and date of birth before she would proceed with the call. I advised I would not provide that information however she was persistent requesting the information and would not respond to my question, why were they contacting me. I advised I would be filing another complaint and terminated the call. 
LTD alleges to be collecting on behalf of XXXX. I previously spoke with XXXX and they have confirmed they are not collecting a debt. 
This appears to be a company phishing for information and they do not legitimately represent XXXX.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Good Morning, I was not sure you handled these types of issues however I thought I would reach out to you and ask. 

I received a letter from Wells Fargo that my checking account was debited for XXXX XXXX dollars on XXXX XXXX 2015 " As a result of a processing error in which my account was credit twice ". I was unable to find the transaction on my account and proceeded to reach out to the bank. 

I called the bank to inquire and have research done to verify the error ; the representative explained the research would take five business days. When I called back five days later I was told the request would take ten days. After ten days with no response I wrote to the bank through my online account via their contact support. A short time later I received a response that explained this type of research takes some time. I admittedly became frustrated and explained this is unacceptable. I then received a voice message from a XXXX XXXX that said he was from executive services and he has assigned the issue to a XXXX XXXX. I immediately called XXXX XXXX and left a voice mail. Then I received a call from a representative named XXXX stating he was calling about my issue. I explained to XXXX he was the XXXX person I was dealing with including the two phone calls and emails and that I was waiting for XXXX XXXX and hung up. 

XXXX XXXX called and wanted until XXXX XXXX to research this and I explained to him the bank has already been working on this simple debit / credit research for XXXX weeks, I advised him I would give him another week, until XXXX XXXX. Otherwise I was reaching out to you as well as The XXXX and the Commissioner of NC Banking regulation. Etc ; I have explained to XXXX XXXX that if the error was my fault I 'll be fine however I need actual debit / credit proof and not just a form letter stating the error was in the banks favor. 

I know it is only XXXX XXXX dollars however I XXXX last year and I 'm receiving a fraction of my pay as XXXX so every dollar has to be stretched farther. 

Thank you for your consideration, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

The above is not really what I 'm reaching out to file a complaint. What happened was that I was sent to a debt collector by my wireless carrier ( XXXX XXXX XXXX ) by the name of Credence Resource Management, LLC. This collector offered me a settlement amount which I paid as of XX/XX/XXXX. I was told my payment settled the account in full and that the creditor ( XXXX XXXX XXXX ) would be notified in a few business days. I verified that and was not done so they sent a receipt to me letting me know they had reached out and notified XXXX XXXX XXXX. 

I received a letter this month from another debt collector by the name of XXXX XXXX saying I owe a remaining balance. So it appears that Credence Resource Management, LLC. did not settle my debt instead only paid a partial amount. I contacted Credence on XXXX XXXX, 2015 to see why they did not follow through on what I was told and had in writing on their receipt and assured in 3 business days it would be taken care of. I gave them 4 business days and they have not come through, yet again.
Consumer complaint received 2015-12-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was sent a letter with a payment arrangement for a credit card they purchased. I was then told over the phone another amount I could pay for another card they had. The following month after this discussion I begin to pay on the 12 month agreement we discussed. When I send in the payment I put the account numbers on the the XXXX separate money orders. Today XXXX/XXXX/15 I received a call at my home telling me they had no arrangement on file and that was not enough to now pay off the debt. Also I have never been shown the proof of the actual bill, and now they are going back on an agreement that they mailed to me and said over the phone. I will continue to pay another XXXX payments however do not want to be harassed by them anymore. 

When speaking with XXXX separate reps on the phone I had given the information I was given by phone and by mail which I needed to pay to satisfy the debt. Now I am being told that it is not enough money meanwhile I have also never been given any proof of the actual debt and I am paying. I pay out of fear that someone could freeze my bank account or garnish my wages cause this is what I have been told and it has happened before.
Consumer complaint received 2015-12-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cottonwood Financial Ltd. (IL)

The Cash Store continues to call me while I am at work, even though I left XXXX messages telling them that I work from XXXX-XXXX Monday through Friday and may have to work some Saturdays depending on workflow. I just starting working at this job on XXXX/XXXX/XXXX and I am on probation until XX/XX/XXXX. I work in a call center environment and these calls are disruptive to me because I ca n't take their calls because I am at. I did speak an attorney and he advised they are suppose to call him during the times I asked them to. Their continuous calls are stressing me out and would rather communicate with them through written communication only. If I lose this job, then they will not get anything from me.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi my name is XXXX capital one bank approved me a XXXX dollars credit after approved ask me for documents to validated the account send all of them spoke with several managers about to activate my credit card gave me hard time. Kept calling every time when I sent any documents now they said my credit cards are permanently restricted because of the documents been alternate XXXX is not true I had my personal bank call them and verify my j formation and the still saying is not valid. I request to speak with the manager again and they keep saying they do n't have a manager.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

I have been fighting this issue with Experian for over a year now! Now all the credit bureaus have the wrong info. My account number with CFPB is : XXXX. Experian has cost us thousands of dollars so far and stopped us from being able to move forward with our lives, financially. Experian, LIES-LIES-LIES!!! CFPB, would do their part, then Experian would tell us they would correct it and they would only send us another bureau report, no changes, in fact the reports got worse, for we were refused a consoladation loan and it was at that time we discovered, EXPERIAN had deliberately XXXX our credit report. I am fully aware of all the lawsuits against Experian, plus Experian 's part in the XXXX XXXX scam. I 've made copies of these issues from your website and hand delivered to companies we were trying to get credit from, no help. After calling XXXX different phone numbers, I finally reached XXXX at Experian, XXXX, on XX/XX/2015, XXXX said he could n't hear me, gave me a number to call him back and " YES '', that number was a non working number. I 've not been able to reach Experian by phone ever since. As stated in my original complaint, neither my wife nor I 'EVER ' gave Experian nor any other credit bureau the permission to gaither or report our credit, plus they never get it right for millions of people and yet they keep going getting away with murder and making trillions of dollars at the expense of others. We need this matter corrected " ASAP '', ( ALWAYS SMILE AND PRAY ). 
PLEASE-PLEASE HELP US WITH THIS REQUEST. We are in our XXXX and deserve to live a better quality of life. 
Blessings XXXX & XXXX XXXX XXXXXXXXXXXX XXXX XXXX, CO XXXX XXXX
Consumer complaint received 2015-04-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

Mortage was sold or transferred to greentree servicing and they added {$5000.00} to the loan. I do n't feel this is right. They also have my XXXX mortage and the payments went up with out notice and I never got notice the XXXX mortage got transferred or any paperwork on it. I have sent payments to get caught up on the XXXX and they are saying they have not received them. I had the bank fax them confirmation they were sent and now they say they have not got the fax. I went to the bank again and had them fax another copy and even had the bank call them and talk with them. I just got another phone call from them yesterday harassing me about payments and they still have not credited my account. As of now I am 3 months behind and trying to work on getting caught up, but how can I, when they are not acknowledging my payments. They wo n't take payments over the phone, I ca n't make them online because they say they ca n't. So I do it through bill pay. I seem to talk to someone different every time. I do n't think they put notes on my account, so I have to explained myself over and over. They have harassed me to the point I have cried over the phone with them about the payments. I do n't know what to do and feel they just want to foreclose on me. I have just finished XXXX and am trying so hard.
Consumer complaint received 2015-12-10
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (KS)

On XXXX XXXX I received a call at work from a process server stating he would be there that day to serve me. He gave me contact information to MidLand Funding since I had no idea what this debt was for. When I called them they said an online loan taken out in XXXX XXXX was due today in the amount of {$1500.00} or they were suing me for {$4900.00}. They also stated I could not make payments, and when I told them I never remembered taking this debt and asked if they had paperwork they said no, and called XXXX to " verify '' the debt even though all they did was verify my SSN and name was listed on a sold debt. When I asked why I had never been contacted about this before hand they said they did not send any notice because they were swamped with these cases and needed to try and get judgment on all of them so people 's tax returns could be taken in XXXX. I let him know I may be able to borrow money from someone but I did not remember this debt and would like some kind of paperwork. After I made it clear on XXXX XXXX that I could not pay the {$1500.00} today either way ( because I did n't have that much money right now and I could not verify this was my debt ) he was angry and said he did n't know what kind of proof I expected and I did n't have a days notice to pay I had over 3 years to pay! I informed him no one had contacted me about this from his office and he said they did n't have to because I breached a contract 3 years ago and I should have already known about it? The fact that he also said I would have my payroll garnished ( which is against KS state law when the debt is sold to a third party collector ), and that he was filing that I refused to pay with malicious intent and that I was going to lose before hanging up sealed the deal. All I wanted was some kind of information to verify this debt ( which he gave me some basic information i.e. when it was supposedly taken out, my SSN, bank account, and that several payments were made before it went bad ) but said there was no actual paperwork and I would have to go to my old bank and try to get the records to prove it. He asked if I expected them to have a video of me in front of a computer taking out this loan?! Anyone with access to XXXX paycheck stub would have had all of my information and anyone I ever wrote a check to at that time had my KS DL number!? All I wanted was some kind of information sent to me, maybe a listing of dates taken out and payments made to verify with my bank although I never remembered this or a chance to make payments and be called in advance, and I am threatened and talked to rudely instead.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Transunion to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Transunion with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, PA and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (FL)

This is a response for case number XXXX. I am unable to gain access to the established account. To recap, I was diagnosed with XXXX XXXX around XXXX. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. XXXX is the mortgager and XXXX is the servicer. However, XXXX sent me an account statement dated XXXX XXXX, XXXX ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was {$28000.00}. On XXXX XXXX, XXXX XXXX paid XXXX {$8500.00}. I received account statement dated XXXX XXXX, XXXX indicating that total amount due after application of the XXXX XXXX, XXXX disbursement was {$23000.00} with a monthly payment of {$230.00}. On XXXX XXXX, XXXX, XXXX paid XXXX {$12000.00}. I received an XXXX XXXX, account statement indicating a monthly payment of {$230.00} and principal balance of {$13000.00}. The XXXX XXXX, XXXX, statement showed a monthly payment jump to {$310.00} even though all required payments including monthly mortgage, were made on time. It also reflected continued extraction of escrow payments for PMI, taxes and insurance even though I had paid all taxes on the property on time from the inception of the loan ( see attachments ). The only proof of insurance provided by XXXX was effective XXXX XXXX, XXXX, after I had submitted my initial complaint to the CFPB.. After submission of the complaint to the CFPB, PMI was dropped without credit for previously incorrectly extracted funds and monthly payment per the XXXX XXXX, statement increased to {$990.00} ( see attached ). At inception my mortgage was approximately {$130.00}. XXXX has levied charges for items such as {$430.00} for property repairs that never happened. I have lived in this property since inception. I repeat for emphasis, that I believe that XXXX and XXXX is attempting to steal government funds and force me back into foreclosure. Please take a close look at the documents I have provided. I am trying to determine the fair principal and monthly payment owed after the correct application of FFH funds. I need all escrow charges refunded to me as they were applied incorrectly at best, fraudulently at worst. They did not pay property taxes. I did ( see attached documentation ). Nor, have they provided proof of insurance effective prior to the date of my complaint to the CFPB. How can monthly payments fluctuate so dramatically at the whim of the servicer on a fixed rate mortgage that is not in default? PLEASE HELP!
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

Kohls XXXX capital one ) Unlawfully reported a credit account # XXXX on XXXX that is NOT mine as social security numbers do NOT even match. Kohls XXXX capital one ) violated FCRA and state and federal laws and will be turned over to United States Attorney 's Office for criminal charges against Capital One and Kohls. As of today XXXX XXXX 2015 Kohls and Capital one owes me {$1500.00} for the FCRA volation and {$5000.00} for the punitive damages to my credit report and FICO score.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (GA)

XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation (GA)

I 've informed the loan company that with a loss of a job, I 've had some difficulties paying on my loan. I have made payments when possible and I continue to work towards paying off the loan. When the manager of the company calls to collect, that 's understandable. I do n't have an issue with him trying to collect. The problem I have is the manner in which he speaks. Knowing I have lost my job and just started a new one, this manager says that I am being a " coward '' and that " I 'm not a man '' for paying on the loan when it 's due. He has stated that he " does n't trust '' me as a person and he keeps calling my job after I have asked him several times to stop. I have an issue with this. For him to get personal with me like that, bully me, and harass me at work after I told him I will get in trouble for the phone calls, I 'm fed up with the way he acts and I want someone else to step in and handle this. To put me down and degrade me, knowing I just lost a job, and to call me a coward and telling me I 'm not a man is not only just plain rude, but it is affecting me on a personal level. I try hard to support my family and pay my bills. It 's not my fault that my old company was sold and me without a job. I 'm trying to do what 's right but to be put down and harassed is truly uncalled for. My complaint is that I 'm getting bullied, harassed, and put down by this manager, even after I have tried to make payments to him, and I want it to stop. I do n't have any desire to deal with this guy anymore and I know I should n't have to. Please help me get this taken care of.