davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have been making payments on my home mortgage for 15 years and never been late on a payment. When a balloon payment came due, the current service provider told me that I would have to pay the amount in full, or they would foreclose on my home. I could not obtain the large amount of money needed to pay the loan, so I sought to refinance. Select Portfolio Services ( the service provider ) told me they could not refinance the property, that the only option I had was to pay it in full or default and lose my home. 
I finally found a company that would refinance for me, and began to ask SPS to provide me certain documentation in order to complete the process. It has taken over three months at this time, and it still is in process. The mortgage changed providers numerous times, and along the way it changed from XXXX as the lien holder to XXXX who apparently owns the lien. When I finally got to the point where we could close, the title company obtained a copy of the title on the home, and it showed XXXX as the lien holder. Since all the supporting documentation showed that SPS was servicing the loan for XXXX, the title company asked that SPS provide a document showing that the lien changed hands from XXXX to XXXX, but SPS refuses to do this. I 'm suspecting that there may be no proof of who owns the loan, since SPS can not provide me with any documentation of this simple fact. I called XXXX and they said they had no records of the loan. I called XXXX and they also told me that there was nothing in their records. SPS insists that they have to say that because SPS is the service provider, and only they can divulge information. I should have been able to close on this months ago, and because they will not assist me, I am now behind in XXXX payments and it will soon begin to affect my excellent credit rating. My mother ( who dwells in the home ) receives almost daily calls from SPS asking for payment and threatening to evict her if payments are n't submitted. She obviously is very upset about this, always in tears and being an elderly woman with serious health problems, this is stress that threatens her well being. I just want to close on my refinance, payoff this mortgage and cut all ties with this company. Can they legally prevent me from moving forward by not supplying the necessary documentation? Are n't I entitled to this information? What can I do to hold them accountable?
Consumer complaint received 2015-12-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc. (TX)

Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I am having difficulty paying my mortgage because my taxes and insurance are not escrowed. I contacted my mortgage servicer and told them I was not going to be able to pay the XX/XX/XXXX payment because I was paying my taxes of {$890.00} and my insurance of {$660.00}. I paid the taxes and the insurance last week. Now i received a letter stating they paid it too! We have never been late on paying our mortgage until now.I asked if I qualified for a HAMP and my servicer started the paperwork for my HAMP application. I sent my documents to them within 24 hours. Now they denied me and I just received a letter stating they paid my taxes, which I did not ask them to do, and that they paid it from my escrow account. I do n't have an escrow account with them, however, they took it upon themselves to create one! Now my mortgage payment is going to increase because of the escrow. I explained to them that the reason I am having difficulty is because I was diagnosed with an illness and that the medication, treatment, and therapy have used up my savings for the taxes and insurance. They refuse to lower my interest rate, currently it 's at 7.8 %, I have a good credit score. They claim they denied my HAMP application because my mortgage payment is less than XXXX % of my income. Currently the amount of my mortgage payment being applied to principal is only {$530.00} and the interest I am paying is {$520.00}, which to me is outrageous. I am struggling financially and trying to keep my head above water. I tred to get my home refinanced, however, because I have a XXXX lien for the XXXX Hardest Hit in the amount of {$38000.00}, I ca n't get refinanced because my home is still not worth the total amount owed.
Consumer complaint received 2015-12-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MS)

I have a vehicle that I am leasing through Chrysler Capital. I have had my car since XXXX 2013 and have been making automatic payments for 24 months without issue. On XXXX XXXX, as what happens on the XXXX of every month, my bank account was drafted by " Chrysler Capital Payment '' for my payment of {$370.00}. It then posted to my account on the XXXX. I travel for work so I have all of my reoccurring bills set up to auto draft. Since I saw it drafted I did n't think anything of it again. 
This past weekend I checked my XXXX XXXX and I had a statement from Chrysler. Imagine my shock when I opened it to find it was showing me past due and that I had not made a payment since XXXX. It was after hours and a weekend so I could not immediately call. 
Monday morning on my way to work I called customer service and spoke to a customer service representative. I explained the issue I was having. He said it 'showed the payment on my account but not sure why it did n't post '. He said he would send it to the accounting department to get it taken care of and would have my late fee removed. He said for me to fax a copy of my bank statement showing where the payment was drafted and to call back in two days to make sure everything was taken care of. 
I just called again now, and there is still no resolution. They show where I faxed in my bank statement ( a detailed statement of the draft is included as well since I work for the bank it was drafted from ) but nothing else has been done yet. The girl told me to call again tomorrow to check on the progress. 
Here is my issue : Chrysler is not doing the right thing for the customer. As a customer every time I called I am being told " I am 22 days late ( or XXXX as of today ) would I like to take care of it ''. In addition, I have been assessed a late fee that has not been removed either. This was NOT my mistake. My account was drafted by Chrysler as it always is. I ca n't help that after it was drafted the accounting department did not post it correctly. Working at a bank, if there is a bank error the first thing we do is to fix it for the customer. After we fix it we then try to figure out what was wrong or where the error occurred. The right thing to do would be to credit my account for the {$370.00} payment that was drafted from my account. ( Like my bank statement shows and the first representative could see ) Then you can research where the error was on Chrysler 's side. Because Chrysler is not doing the right thing I am incredibly stressed because it is showing I owe over XXXX and late 24 days. Not to mention if this is n't corrected soon they will report me late on my credit report and then my next payment is due on the XXXX. To top it all off - Chrysler wo n't call me back - they expect me to call back and follow up instead of Chrysler following up with me.
Consumer complaint received 2015-12-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions ( " DSR '' ) is a debt collector. Their client, to whom the debt is owed, had an incorrect address on file for me. Thus, an invoice for {$150.00} was never sent to my attention. Upon applying for a mortgage, I discovered this debt in collection. My credit is otherwise perfect and this debt which DSR reported to the agencies is a false representation of my personal credit information, and simply clerical inaccuracy. After discovering the debt on a credit report in XX/XX/XXXX, I immediately contacted Designed Receivable Solutions ( " DSR '' ) to ask for a validation notice so that I could understand what the debt was and to then pay, if valid. In XX/XX/XXXX, DSR stated that they would completely " expunge '' the record from my credit if I paid that day. I could not pay that day because I did not know what the debt was for. After asking DSR a second time ( in writing XX/XX/XXXX ) for validation they finally sent the original invoice ( on XXXX XXXX, 2015 ) -- over 3 months since I originally asked for validation of the debt in XX/XX/XXXX. Additionally, after contacting the XXXX XXXX ( whom the debt is owed ) on XXXX/XXXX/15 ( spoke with " XXXX '' at XXXX XXXX XXXX XXXX XXXX " XXXX '' ) she stated that the correct amount owed was {$150.00} and that I could make payment with her for {$150.00}. However DSR will continue to inaccurately report a collection item to the agencies as well as assert that {$13.00} of interest is owed to DSR, an item they are attempting to charge on top of the amount I owe XXXX. The amount was accidentally sent to a collection agency due to an incorrect address and insurance policy and I am attempting to appropriately pay that amount to the original Physicans owed. I ask the AG office to review the situation and appropriately communicate to DSR that they are engaging in practices that are misaligned with good will or good faith as well as the law for fair credit reporting
Consumer complaint received 2016-01-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you. 

2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below. 
XXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info? 
Thanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. 
We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can. 
Thank you. 
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law. 
If we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ). 
Thank you for the opportunity to assist you. 
Sincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco? 

Thank you for any guidance you can offer.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have forwarded all required documentation to Wells Fargo Bank regarding a short sale and they have acknowledged receipt of the material. They indicate they are in receipt and blatantly stated that they will not rescind the foreclosure sale date of XX/XX/2016 even though we have a cash buyer who is ready to close escrow. I have been told that they have n't been able to complete their review of the properly submitted material. On numerous occasions they have asked me to re-submit documents that have been sent previously and acknowledge receiving. When I make phone calls and leave messages, it takes them several days to respond, even though it is clear that time is of the essence.
Consumer complaint received 2016-01-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (ND)

Navy Federal Credit Union is refusing to provide monthly statements for our mortgage because we declared Bankruptcy in 2009. We did not default on our mortgage during the bankruptcy and have continued to pay in full and on time throughout the life of the mortgage. We are now expected to blindly pay our mortgage without knowledge of our principal balance, interest rate, or current payment amount.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX, 2015 I had prepaid for a rental car {$210.00} and once I picked the car up I was charged another {$350.00}. Since I was double charged, I contacted my bank and filed a dispute against the charges and returned the rental car. I was refunded the {$350.00}, however the {$210.00} has been refunded and withdrawn from my account on three separate occasions even though I have mailed, faxed and took copies of documentation to the actual branch office. I have yet to receive the credit to my account of the {$210.00} and due to them continuing to credit and then withdrawal the {$210.00}, I have had incurred additional insufficient fund fees. I have spoken with multiple individuals, including a branch manager and have been treated terribly and received no resolve.
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again. 
Now commonwealth financial systems is reporting again with a new account number for the previous deleted collection. 
New account number : XXXX Old account number : XXXX
Consumer complaint received 2016-01-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Offices of Erskine and Fleisher (FL)

The Law Offices of Erskine and Fleisher ( representing XXXX XXXX ) filed a Writ of Garnishment ( Circuit Court Case # XXXX ) to my bank XXXX dated XX/XX/XXXX. I received a letter from XXXX on XXXX XXXX, XXXX, advising that approximately XXXX was garnished from my checking account. On XXXX XXXX, XXXX, I received a Notice of Garnishment from Erskine and Fleischer. I settled this matter in XXXX XXXX. The XXXX XXXX account was sold to XXXX , XXXX on or about XXXX XXXX, XXXX. I settled this debt with the attorneys for XXXX XXXX and a Voluntary Dismissal with Prejudice was filed in Circuit Court Case # XXXX XXXX XXXX, XXXX.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (PA)

Penn Credit Corporation at phone number XXXX has called me 44 times from the period XXXX/XXXX/XXXX thru today 's date of XXXX/XXXX/XXXX. I only started tracking the calls on XXXX XXXX when I realized there was a problem. When I answer the calls, a machine states " if you are this person, press 1 ; if you are not this person, press 2 ''. Nothing else. They do n't even mention the name of the person. I have not pressed either 1 or 2 as I am afraid it may be a spammer. I have researched this company and it is apparent there are many consumers and individuals also dealing with this company and harassing, repeated calls. I have no known outstanding debt, a great credit score, and have received no notices via mail or overnight delivery regarding outstanding bills from Penn Credit or any other company for that matter. On some days, I receive calls from Penn Credit Corp. two or three times. No messages are left. I am being harassed by this company and I want it to stop. Immediately.
Consumer complaint received 2016-01-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Evergreen Acquistions, LLC (TX)

Evergreen Acquisitions continues to repeatedly call and harass my self, my mother and my father. Not only do they call their home phones, but in the last 2 days they have somehow found XXXX my parent 's cell phone numbers and are repeatedly calling on those lines as well. My father has repeatedly told them not to call him and in XXXX day they called him over 15 times. They told him that I had bounced checks all over the place and that they had not been paid since XXXX and that I was going to go to jail. While my father was telling them not to call him, XXXX said to him " blah, blah, blah '' and continued to harass him further. I am in the process of sending them a letter to stop communication, but I do n't think they will abide by it. 

In several instances, they called my house somehow making it appear on the caller ID that they were calling from the number of an acquaintance. I do not know how they do it, but I look at the phone and it shows my friends number, but it is them on the phone. They have left messages that say that it is a fraud alert and that someone is trying to open a loan in my name and then when I call back, it is them. They shout and yell on the phone telling me that I am going to jail for passing bad checks. I set up payments with them and missed 2. They are not the original creditor. 

They are causing major stress in my and my wife 's lives. My wife has XXXX XXXX XXXX XXXX which is why we have fallen behind and for them to call in excess of 25 times per day and also have their computer call with a fake fraud warning another 5 times a day is just not fair. We have rights, regardless of the debt being valid or not. This is just pain harassment.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made repeated efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I did not authorize or approve the inclusion of this information under my name, as I have been a victim of identity theft.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had already a report and complaint about Bank of America and I wanted to add new documents that might be more clear to understand this process. My Bank of America checking account has been hacked and fraud a couple months ago and I have a fraud claim case with this bank. I wanted to recompense my money which I lost cause we all entrust our money to the bank to be protect that they sent this money as temporary credit and they were said we will investigate that we will let you know. After few months I received a mail from bank we are unable to approve your recent claim!!! And they said this credit will be removed on your account on XX/XX/XXXX. They did it they removed this money on my account and I will go to Bank of America and I requested an appeal process and reopened the case after that they will sent this money on my account again end of this process they will be removed this again I knowbecause they did not approved that when everything Cristal clear. I dont trust them because they almost accused me and they have all data and information what happened the day they had to protect but they could not.. then you have to compensate that is not the way to victimize your client any IT guy in their bank can sort out this claim in XXXX century but they did not approve that what happened to me Im gon na share this mail which I received from the bank