davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Our property school tax bill was due on XXXX XXXX, XXXX. I received the bill on XXXX XXXX, XXXX and forwarded a copy of it to our mortgage company, Wells Fargo. Wells Fargo wrote back to me on XXXX XXXX, XXXX stating they receive this bill directly from the tax office and will be making this payment from our escrow account, and that I do not need to send this bill to them in the future. So they have a copy of the bill and know the taxes are due and the correct amount that is due on XXXX XXXX, XXXX. To date, Wells Fargo has not paid these taxes and we are now being assessed penalties of XXXX % every other month. The amount due is currently {$3500.00} with penalties of {$350.00} for a total due of {$3800.00}. I received a notice from the XXXX XXXX XXXX XXXX, to which these taxes are owed, stating that our taxes are now delinquent and a lien may be filed against our home. I have called and spoken to various representatives at Wells Fargo over the past 3 weeks. I spoke to XXXX XXXX on XXXX/XXXX/XXXX and she said the taxes would be paid by XXXX/XXXX/XXXX. They were not. I called again on XXXX/XXXX/XXXX and spoke with another representative who said the file would be escalated and would be paid. The taxes remain delinquent. There is plenty of money in our escrow account to pay these taxes. The notations on our account state that the next tax due is XXXX/XXXX/XXXX. This is incorrect but Wells Fargo refuses to change it or pay the taxes that are now 5 months late.
Consumer complaint received 2016-03-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

Recently I purchased a house in XXXX, NJ and got a mortgage through Wells Fargo which included renovation dollars to fix the house. There are XXXX attachments to this submission, documents that I signed in XXXX and then the Renovation Loan Agreement and Rider which I signed at closing in XXXX. The problem is these documents contradict each other. For example, in the XXXX document it says the contractor is responsible for the work then in the Agreement signed at closing it says I am responsible. Which is it?? You will find where I commented on all the ways these documents contradict each other in the attachment of the documents I signed in XXXX. If I was presented with all these documents at the same time, I would have had serious questions but that was not the case. They made me sign them XXXX and a half months apart which I find extremely shady. So since these documents contradict XXXX another, which document am I supposed to follow. I am contacting the CFPB because Wells Fargo has been shady and I feel deceitful through this process. I want others to know about this and I want the behavior to stop. Last, I want Wells Fargo to clearly state which documents I am supposed to follow since they contradict each other. Is it the documents from XXXX or the Agreement I signed at closing? They can not have it both ways when documents contradict XXXX another. 

Please note ... the renovation loan is connected to my mortgage
Consumer complaint received 2016-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I have wrote a letter to the XXXX XXXX XXXX Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
Consumer complaint received 2016-03-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

My complaint is with Commonwealth Financial services AKA North east credit & collections. They have reinserted into my credit file again a bill for {$88.00} from XXXX of XXXX XXXX To XXXX and XXXX . The last time they did this it was reported also to XXXX which they deleted due to lack of validation. 
They are reporting this time to XXXX and XXXX. XX/XX/2014 it was deleted for failure to respond to XXXX request for validation. XXXX deleted for lack of validation in XX/XX/XXXX. In XX/XX/2014 XXXX deleted this account. I have sent certified letters to XXXX and XXXX explaining my request to remove for lack of Full validation and for reinserting this account. A certified letter was sent to Commonwealth Financial services also requesting validation and warning of reinserting this bill ( I suspect they changed account numbers to claim a new bill when in reality it is the same bill? ) They can not fully validate this account and continue to violate my credit rights by doing this. The last time this happened with them your Agency helped along with the Pennsylvania Attorney General complaint which also requested the deletion of this account. I would appreciate it if you could help me on this as I keep my credit good and will be applying for a home loan soon and do not need their nonsense on this constant issue for lack of validation. The previous CFPB complaint concerning this same company is # XXXX Thank you so much, XXXX XXXX
Consumer complaint received 2016-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Failure to remove Private Mortgage Insurance despite Auto-termination date. 
I have a great deal of communication from Nationstar that my Private Mortgage Insurance would auto-terminate- various dates have been provided and they continue to dispute and indicate my home has not reached the 78 % loan to value- they provided the dates for which that would happen. They repeatedly say I must get an appraisal through a Nationstar appointed appraiser and go through the motions of the " borrower request to remove PMI. '' I am only requesting it be removed per the auto-termination dates I have been provided- I will not pay for an appraisal for something that should have been removed from my account per their paperwork and the loan documents.. 

I have been dealing with this issue for over a year- and I receive different answers with each call. I spoke with 7 representatives & supervisors on XXXX continually getting the run around and being told " this is not the right department to handle your request. '' I was transferred over and over again. 2 hours on the phone on XXXX/XXXX/XXXX with no resolution- meaning I had to pay the full amount due by XXXX/XXXX/XXXX to avoid late fees and penalties. 

Consumer 's Desired Resolution : I want the PMI removed from the account per the effective date in writing of XXXX XXXX, XXXX ( preferably to the XXXX XXXX, XXXX date that is shown on the original loan documents of XXXX and as stated in various conversations with Nationstar, most recently on XXXX/XXXX/XXXX with an Escrow representative ). I request a refund of the PMI amount paid in past the auto-termination dates. A loan modification was completed in XXXX, however the documents do not contain anew PMI disclosure. 
This matter has been sent to the XXXX and after three months of back and forth the case has been closed with no resolution. The XXXX has provided the following response as of XXXX XXXX, XXXX : " Business Name : Nationstar Mortgage LLC You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. 
Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. '' Assistance would be greatly appreciated as I do not understand why I am subject to an appraisal that must be conducted by a Nationstar appointed appraiser if I am well beyond the auto-termination date reflected in the loan documents.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Eagle Home Mortgage, LLC (CA)

I applied a mortgage through Universal American mortgage company o n XXXX XXXX, my XXXX number is # XXXX. 
During the processing, I noted to their mortgage officer XXXX XXXX, and, processior XXXX XXXX, that I am always on the trip, so best way to reach me is by emailing. 
Till to the mortgage was approved, everything working perfect, and I finally got my loan. 
I start to mail the mortgage payments by mailing checkes, start from XXXX XXXX until XXXX XXXX. 
At that 8 months, I try to set up the auto pay to avoid any delay or XXXX payments, and wrote email to XXXX XXXX XXXX on XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX to ask the situation of my mortgage statements, and how to set up payments. 
Since I am out side of States, I have my real eastate agent, XXXX XXXX to ggive them calls almost every month to help me set up autopay account. 
Non of them reply by email, or pick up phones. 
So, I left my checks to my office, and my people help to mail check every month like usual. 

Until, XXXX XXXX XXXX, I back to U.S from a long trip, I got a goodby mail from UAMC ( the universal American Mortgage Company ), said my loan was sold on XX/XX/XXXX! 
And, I received a voicemail from PennyMac ( the new lender ), I was four months delay on my mortgage payments already! 
So, I called XXXX three time to verify what 's happening, and make payments in 10 days. 

At that moment, I put out all my bank statement and found my checks were transferred to pennymac for several times. And, there XXXX checks were missed, and might be XXXX was refused to transfer by Universal American Mortgage Company. 
I called UAMC service office, and try to work out how many payments they received, and why has nobody can reply my emails, and loan officerhad not been able to pick up phone calls from us ( which they frequently talked before this loan was approved ). 

I was told by UAMC that my loan was sold, and they are not be going to answer my any further questions. Yes, and even I called them on XXXX XXXX, XXXX, aksing a records of my payments, try to figure out how many checks did they forwarded,. 
NO BODY give me a call back, because I was sold! 

XXXX XXXX people even has a little bit professional mind, they should notice it, and inform me my loan was transferred. 
Which I am completely okay with that! 
NO Calls, NO picking up calls, NO replying emails, NOt taking care of customer 's re requirements. All my mortgage issues massed up, and my credit score is terriable. 
In that 8 months, I honestly mailed checks every single month, no missed. 

I paid the late pay fees, because I understand it 's not XXXX 's mistakes. 
But, I am really have questions for UAMC, how could they take care of their customers, and how they people feeling kind of massing! 

I wish you can fix my credit score! 
I wish you could talk to them, since no one care aboutme from UAMC. 

Thanks!
Consumer complaint received 2024-11-11
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. (OK)

I have identified several unauthorized items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not open or authorize these accounts. I have previously reported this issue and am now formally requesting the immediate removal of these items from my credit report. Their presence is causing me significant distress and inaccurately reflects my credit history. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX XXXX account reported on my TransUnion that is not reported on any other Bureau and XXXX XXXX has no information on this account as well. Transunion refuses to provide the full account number. 

I requested it to be investigated, they responsed each time that the account was verified. 

That's not possible. It is the only account with Adverse Information in the credit report attached. XXXX  XXXX XXXXXXXX XXXX XXXX has no record of these late payments account.
Consumer complaint received 2016-02-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

received notice from collection agency that I owed over XXXX to a credit card from XXXX which I do not have I have never been in a XXXX. This was through XXXX Bank and done of XXXX XXXX. I had just opened an account at XXXX store in XXXX XXXX through XXXX Bank and one month later I receive a letter from Portfolio collection It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to 15 USC 1692 ( C ) you have violated my rights by unlawful communication please remove this collection ( court costs, inquiries etc ) off my credit reports. This account is involved in litigation. I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Technical Murder of the Living Man to create a LEGAL PERSON for USURIOUS CONSIDERATIONS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our trusts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  unjust treatments
Consumer complaint received 2016-03-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX XXXX I began receving installments invoices from Wells Fargo Dealer Services with varied payments amounts sometimes twice per month, not consistent with my normal monthly payment of {$310.00}. I did not panic but continued to make payments as stated on the monthly invoice as listed below : XXXX {$150.00}, XXXX {$130.00}, XXXX {$270.00}, XXXX {$100.00}, XXXX {$270.00}, XXXX {$230.00} and XXXX {$180.00} ( my last payment ). To my surprise, in late XXXX I received a letter from WDS stating that my account was charged off and is in collections. Now mind you, I never got a call to inform me ( like most reasonaly business would do ) of this issue over the course of XXXX. So, I called WDS and was told I must pay them {$3000.00} plus dollars to bring my account current. They said they are not culpable for any mistakes made, invoice are mailed as a courtesy and I should have continued to pay my installment of {$310.00}, not what the invoice stated. They concluded that I am 358 days past due despite my payment history listed above and I pretty much brought this on myself, therefore they are not culpable. What casued the problem? In XXXX the began posting another customer payments to my account and still continue to do so. I received an invoice in XXXX, XXXX stating that my balance is {$440.00} and a payment of {$180.00} is due, which I paid.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IL)

Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.
Consumer complaint received 2016-03-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (AZ)

The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.
Consumer complaint received 2016-03-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

Good evening, I 've been paying my private student loans to Navient, formerly XXXX XXXX, on time every month for two years using autopay in order to participate in a reduce interest rate program. I 've never missed a payment or called to defer payments. I recently received tax bills ( XXXX old, XXXX from an amended return for this year ) and it 's going to take a considerable portion of my disposable income over the next couple of months to pay these bills. I called Navient yesterday afternoon to ask for a two month suspension of payments while I handled my tax obligations. 

The representative on the phone told me that since my loans were private, there were no options available. No forbearance. No deferments. I advised her of my situation and she understood that my obligations to the IRS and State were of priority, but stated that their hands were tied. I was forced to cancel my autopay indefinitely in order to prioritize the payment of these unexpected expenses. The representative on the phone advised me that in doing so, I was terminating my enrollment in this reduced rate program, would be ineligible to re-enter the program for a year, and that I would be put in default almost immediately after missing the first payment since these loans were private. 

I honestly just wanted a little flexibility in my payment terms while I took care of these tax bills and they have refused to help. I 'm now looking at missing my first payment ( and going into their proclaimed automatic default ) on the XX/XX/XXXX. 

It 's ludicrous to say " we ca n't help you '' when I 'm making a XXXX dollar per month payment ( 75 percent of which goes to interest alone ).
Consumer complaint received 2016-03-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

I had deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016. 
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit. 
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this. 
As of today I still have not received any explanation as to actually why they debited my account.
Consumer complaint received 2016-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. ()

I have about XXXX different federal student loan accounts being managed by Nelnet. Each of these loan accounts is a different agreement with a different interest rate. For about 6 months, I have been making payments for more than the minimum required amount. With the amount that is in excess of the required, Nelnet has not been applying these funds to the loan account with highest interest rate to help me pay down my faster. They have instead been distributing it across all the loans, some with significantly lower interest rate than others. This practice is not in the best interest of the students. Why would a student want to pay down a loan that has interest rate 5 %, before paying down a loan with interest rate of 8 %? 

As is the law and practice of a credit card company, the balance bucket with highest interest rate must have payment funds applied first. If a credit card company is obligated to do what is in the consumers best interest, with respect to repayment allocation, the government and student loan services should also be obligated to do what is in the students best interest.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

There is a lot of inacirate data still on my report, XXXX XXXX had another company come after me and I sued them and we settled out of court. This should not be on my report anymore because of the settlement, XXXX funding was a company that I sued under the FDCPA and settled out of court and this needs to be removed, I signed an agreement stating that I would not show the settlement to anyone. XXXX XXXX XXXX hired XXXX XXXX and they should be removed because of settlement terms, I have never had a XXXX XXXX account, portfolio recovery has never shown me proof that I owe something, never had a reeds jewlers account nor have I been shown any proof, and any other items on my dispute list are not my accounts not have I been shown defenative proof. I am unable to send settlement documents because of a signed agreement but XXXX XXXX XXXX, XXXX, and XXXX XXXX all need to be removed due to settlements. All other disputed items, I have been shown no signed documents. The credit agency is supposed to remove incorrect information and has refused to do so.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.