davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am writing to see what help I can get for my clients. Wells Fargo has been absolutely horrible, dragging their feet with a looming Foreclosure date. The day after we asked for our Modification to be reviewed again because we had a change for the better in the clients situation, we were informed of the foreclosure date. We have worked diligently to supply documents to Wells Fargo and were informed it is fax only. We can prove that every fax was received and Wells claims to not have received them. I have been given 4 different fax numbers with agents all claiming that the fax numbers are wrong and only theirs is correct. Supervisors give us the same run around as well. I am 17 days from the sale date and they continue to drag their feet with no help. Can someone please help us ASAP? We have complied with Wells Fargo on every condition and they keep stalling. We need help today. Any assistance would be greatly appreciated.
Consumer complaint received 2016-10-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service (VA)

I had a charge off from a XXXX Exchange card. The amount of the debt was XXXX. I was garnished XXXX. I paid XXXX in XXXX and {$250.00} every month. With the garnishment and the payments made of to XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (TX)

I contacted Trident Assest Management to validate XXXX returned checks that I have no knowledge of. They sent me XXXX checks with signatures that do not resemble mine. I was never notified of any returned checks to the company listed on the check or the company. I also requested information on their right to the money they say I owe them. I did n't receive it. These accounts remain inaccurate, unvalidated & they continue to report on my credit reports.
Consumer complaint received 2017-03-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY ()

Our numerous requests to Wells Fargo Bank for reimbursement of funds held by the Bank after our successful request to close our account have been ignored, this included a letter to The Board of Directors sent on the XXXX XXXX 2017. 
I include attachments of mail XXXX and Certificate
Consumer complaint received 2016-10-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Dear Customer Service Representative, I need your help. I am a XXXX XXXX Veteran. I would like to keep my home. I would like to refinance my home mortgage with a VA loan. I have already received a Certificate of Eligibility from the U.S. Veterans Administration. My home loan was initially financed by XXXX. They sold my mortgage to Bayview Loan Servicing , LLC . I have had a lot of problems dealing with Bayview Loan Servicing , LLC . In my opinion, I believe that I am being discriminated against because I am a XXXX Veteran. I was recently admitted into the XXXX XXXX due to XXXX. I am not sure if they dealing in bad faith or if they totally incompetent. My foreclosure trial is XXXX XXXX, 2016. I desperately need your help. 

I have been contacting Bayview Loan Servicing , LLC . by phone, email, and express mail since XXXX of 2016. In XXXX of 2016, I sent them an updated Request for Mortgage Assistance via, fax, e-mail, and express UPS mail. They have NOT acknowledged receiving it. In fact, I have evidence that they have NOT READ and ERASED my e-mail on at least 3 occasions. I also have evidence that they purposely provided me with the INCORRECT mailing address on at least 15 occasions in less than 3 months. I am not sure if they dealing in bad faith or if they totally incompetent. 
The contact information for my new mortgage owner and servicer is as follows : Bayview Loan Service, LLC., Loan # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , FL XXXX XXXX and XXXX ; XXXXXXXXXXXX and XXXXXXXXXXXX. My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, CELL : XXXX and e-mail : XXXXXXXXXXXX. 
In summary, I would like to keep my home. I would like to refinance my home with a VA loan. I need for Bayview Loan Servicing , LLC to treat me fairly. I will appreciate ANY assistance that you could give me. My foreclosure trial is XXXX XXXX, 2016. Thank you. 

Very respectfully, XXXX XXXX, XXXX. 
XXXX Veteran XXXXXXXXXXXX XXXX : XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

In the matter of XXXX vs. XXXX, XXXX XXXX INDEX # XXXX Summons and Complaint : No one personally served Summon and complain upon defendants, mail or otherwise. 

On XX/XX/XXXX @ XXXX at XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX XXXX sworn to an affidavit of service that he personally served both XXXX, XXXX XXXX on XXXX, XXXX XXXX XXXX had to have keys to enter the building to go to the second floor. This is a private building with a secured front door. At that time in question I was at work and XXXX has a XXXX, there is no other way she could have gone down the steps to the front door to open it without my help. If XXXX XXXX had served me XXXX XXXX at that time and date at XXXX XXXX XXXX XXXX NY XXXX then the affidavit of service would of have some substantial merit. NOTICE that XXXX XXXX XXXX did n't give any characteristics of the hallway or the building description, furthermore he describe XXXX XXXX as XXXX indicating he never came into contact with XXXX XXXX. 
NOTICE : That XXXX XXXX XXXX was reprimanded for acts of the same nature : DEPARTMENT OF CONSUMER AFFAIRS against XXXX XXXX Violation # XXXX. 

2- After an intensive investigation, all assignments of this mortgage are fraudulent in nature a matter of factual discovery there were no sale. All plaintiffs, XXXX, WELLS FARGO and all of them have no standing to bring any foreclosure action and have brought fraud into the honorable court. 
Assignment of Mortgage to XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. 
XXXX XXXX XXXX working for Wells Fargo NOT XXXX. 

Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX XXXX. 
Signed by XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee. working for Wells Fargo NOT XXXX Corrective Assignment of Mortgage to XXXX. as Trustee for XXXX, Home Equity Mortgage Asset-Backed Pass-Through Certificates, Series XXXX. 
Signed by XXXX XXXX XXXX as Assistant Secretary of XXXX as nominee for XXXX. without disclosure of employment in working as agent of Assignee, onXX/XX/XXXX i call WELL FARGO and spoke to XXXX XXXX XXXX @ XXXX that confirm that XXXX XXXX XXXX XXXX is an employee of wells fargo NOT XXXX. 

ALL INFORMATION ARE FACTS WITH SUPPORT.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (FL)

Hi, I am writing a complaint on US Bank Mortgage. I am a XXXX. I have been working with my client since last XXXX 2016 to sell her house. We have a contract. It has turn into a short sale. The bank, US Bank has been dragging there heels. Give us the run around no action of getting a answer whether not the offer has been accepted. Today, XXXX I spoke with relationship manager handling my client 's case and still no new updates whether or not the offer contract on file has been accepted. This is causing unnecessary delays. We have tried to delay the auction foreclosure process. I got a contract on this house and no response from the bank US Bank and no action. Just constant unnecssary delays. Please feel free to contact me where I can discuss further details.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY FINANCE CORP (TX)

I 'm getting daily calls regarding the debt of a loan my older brother took. However, I do n't live nearby and I do n't respond for my brother 's actions. No matter how much I 've told them to cease calling me, they do not comply and continue calling.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

Patient Accounts Bureau calls 3-4 times a day alleging that I owe a balance of {$200.00} ( co-pay ) to XXXX. Spoke to a " XXXX '' who was very rude and demanded that I give him a credit card for this payment and that I should then get a refund from the XXXX? What?!?!? 
I have told them to stop calling me. He hung up when I refused to give him my credit card information. but someone else from P.A.B. has called the next 2 days with the same
Consumer complaint received 2016-11-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FirstCollect, Inc. (DE)

XX/XX/XXXX, I noticed a collection account on my credit report from FirstCollect Inc. I submitted a letter for the company to validate the debt requesting very specific information. They responded by sending an invoice that did not match what was listed on my credit report and clearly did not belong to me. The address was not mine, the insurance was not mine and the invoice was for a child that was born XX/XX/XXXX ( which i did not give birth to any children XX/XX/XXXX ). On XX/XX/XXXX, I then submitted my second letter to FirstCollect informing them to remove the collection from my credit report because ALL the information was inaccurate and they still did not submit everything I requested ( proof that they were allowed to collect said debt, proof that I signed for said service ). They refused. In conversation via the telephone with several agents from their company from XX/XX/XXXX to XX/XX/XXXX they refused to acknowledge that they sent me inaccurate information. They stated that the bill was for services that my XXXX child received XX/XX/XXXX during an emergency room visit. I explained to them several times that their father is the LEGAL party that is responsible for the minor childs insurance and any insurance payment and that there was no lapse in coverage so the invoice submitted should have been covered in full. Proper insurance was provided to the XXXX at the time of the visit and the er billed timely and received full payment. This information was acknowleged by the collection company and XX/XX/XXXX they verbally agreed to have the collection account removed by XX/XX/XXXX came and went and the collection was still on my account. I then submitted another letter to them dated XX/XX/XXXX, reiterating that they must take the matter up with the XXXX childs father as he is the party legally responsible for maintaining insurance coverage ( which he did ) and payment for insurance. I even had the XXXX childs father call and inform/confirm with the collection company that he is the responsible party and not me. They then agreed to have it immediately removed. Then minutes later they called me stating that they could not remove it. Shortly after this, I spoke with XXXX XXXX XXXX, who finally acknowledged that they did send me inaccurate information and she is also the one that spoke with me via three way with the XXXX childs father who confirmed that he is the responsibly party although the insurance should have paid it in full. Lastly on XX/XX/XXXX, I submitted a letter to the collection company from the Delaware Health and social services that further reiterates that the XXXX childs father is the responsible party for maintaining insurance and payment of any outstanding invoices. And yet they still continue to report this on my credit report.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a credit card account with Capital One and they are not Reporting my payment of {$470.00} on my account there showing I owe {$430.00} but It should show I have a XXXX Balance on Credit Card Account. 

By not showing my payment they are effecting my Credit Score And I am not able to apply for things I need on Credit. I want You to force Capital to reflex my payment and to Close my Account showing I paid in Full. 

I know longer want to do business with such a Despicable company. 
Capital One is Dishonest and they hurt their Customer Credit Scores. 

Waiting to hear from you. 

XXXX XXXX XXXX
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (TX)

I have a XXXX or XXXX and XXXX. Both card are consolidate as XXXX card with a balance of {$7400.00}. Due to changes in my military status, I am no longer a monthly paid XXXX since XX/XX/XXXX. The hardship of paying bills become harder and I had to resort to payday loans. The end result is my XXXX was unpaid for several months. 
here is my complaint, I was to receive my XX/XX/XXXX tax return of {$530.00} to be released on XX/XX/XXXX. I never received my refund. I was advised by the IRS automated system that my refund was paid to Transworld System Inc ( TSI ). I made inquiries to TSI and I had asked why is my refund taken. Customer services proceed to say to make payment arrangement. When I inquired why I never received a letter on this collection. They proceeded to say " no letter was return. '' I continued to asked more than 3x for a copy and the proceed with the excuse " no letter was return. '' until XX/XX/XXXX, I have receive an envelope with copies of transaction and a non legible or a very poor scan copy of letters sent to me in XX/XX/XXXX from XXXX. The letter is dated XX/XX/XXXX and the letter gives me 60 days of the date of the letter to sign an agreement for payment arrangement or a Treasury Offset Program will be implemented. 60 days from XX/XX/XXXX will not be until XX/XX/XXXX. my refund was taken from me to early. This violates the letter I never received. I spoke to XXXX customer service on XX/XX/XXXX to gather some information and I spoke to XXXX. She explained to me that various service members have lodge complaints with TSI, so why has nothing been done to rectify these complaints with TSI. TSI is punishing me with there high interest rate with a balance I checked back in XX/XX/XXXX of {$12000.00}. today this balance has gone up to {$13000.00} TSI has lied to me regarding letters sent out in XX/XX/XXXX. TSI has made it clear that I can not pay a single payment of the current balance due my credit report. Why has the FTC stopped this practice if various service members including myself being punished and my credit report will effected since collection will be on going and if I can the balance off in so many year, my credit report will still be negative for another 7 years because of the unauthorized collection practice and interest charges XXXX has suggested to me to inquire with TSI for hardship but the representative only laughed at me and said there is no hardship. I will soon receive my military retirement then my Social Security retirement. TSI will collect all my entitlements and leave me nothing to pay my mortgage, utilities and food. this is unfair to me since someone has given them rights to take this action.
Consumer complaint received 2017-03-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Dear Consumer Finance Protection Bureau, I filed Case number : XXXX on XXXX XXXX, 2017. HSBC replied that it needed additional time to investigate this complaint before submitting a final response. I received a letter from HSBC dated XXXX XXXX, 2017 that it plans to transfer this loan to XXXX effective XXXX XXXX, 2017 and that the loan terms would not change. In essence, HSBC is attempting to absolve themselves of this fraudulent transaction by transferring the loan. CFPB must hold HSBC fully accountable and not allow them to " pass the buck '' and demand that HSBC grant the injunctive relief requested in my complaint. A copy of the correspondence received from XXXX XXXX, Senior President, XXXX XXXX XXXX is attached for your review.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Adjusters, LLC (FL)

I was never given written or oral notification of this debt by the collector. I sent them a letter explaining that and have yet to hear back. I also entered a debt mgmt program with XXXX and will start making payments beginning XXXX/XXXX/16. I requested they remove the collection status from my credit report.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (KS)

We purchased a condo in XXXX XXXX, MO in XXXX XXXX. They ran the loan through Caliber Home Loans. First thing, was the property taxes were prorated, so we did not owe the entire year of XXXX taxes. So immediately after the XXXX XXXX house payment, they immediately took out {$1400.00} and sent it to XXXX County Assessment for the XXXX taxes ( which we did not owe ). Not realizing that had been done, then in XXXX XXXX, they sent in {$1100.00} to the XXXX County Assessment for taxes. Well, then in XXXX XXXX, we received a notice from XXXX County stating that the taxes had not been paid. We called Caliber and told them and asked what they did. They indicated that they had sent the payments. They gave me the dates and check number and amounts. Called XXXX County Assessment back, and sure enough they had received those checks, however, Caliber had put the wrong property description on it and since the amounts did not match up, the money is in limbo in XXXX County. Call Caliber back and told them that and that they needed to get ahold of XXXX County Assessment and get the legals corrected so the money could be applied. Questioned them at that time why we were paying the entire XXXX taxes and all I got was that they would look into it and it would take 20 days to fix it. Well, instead of fixing it, they took another {$2600.00} out of the escrow and paid XXXX County so the taxes would be paid. Now, XXXX, we receive notice that they are doubling the monthly payment because we are now in the hole over {$3000.00} because they have mis-handled our escrow account. I called them and demanded a full audit and told them I was not paying for their mistake and that they would have to eat it themselves. I gave them until XXXX XXXX to have it fixed and to return a call to me. As of today, XXXX XXXX, XXXX, I have heard nothing. When I tried to call them, you end up on hold for over 15 minutes or if you do get through, they put you on hold and that is where you sit until you hang up. If they have mis-handled our escrow, who else have they screwed up!
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

I have inquires on Equifax credit report more then 30 days ago I sent letters out demanding an investigation this in the second time about 10 days later Equifax replied letters for each inquiry informing me that they do n't investigate also stating I had to contact the company 's doing the inquiry I had already done that those request mostly went unanswered, or I had contacted Equifax these inquires have inaccurate information that I 'm disputing these are the ones I am disputing XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, X XXXX with Equifax the 30 day investigation period has been exhausted XXXX fair credit reporting act i am requesting that your agency enforce the fair credit reporting act with Equifax.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ECMC GROUP, INC. (IN)

we were never notified by them of the debt.they claimed they sent a letter and called. I told them I never receieved a letter or call. Woman said they tried and if I do n't answer they cant leave a message.And we never knew until we got a call from the bank and called and ask why.the very rude woman said it was a tax lien by the state. I looked on the department of revenue site I owed nothing .I called the department of revenue and they said it would n't show on line because it was a audit that found we owed more money for 2012 and those do n't have case # to show. Department of revenue said call premier back and they should make arrangement. the woman there said only way she will make a arrangement is XXXX today .I advised I do n't have that and she said well we wont make a arrangement .I told her the superviosor with department of revenue said they are suppose to. she advised me the department of revenue ca n't tell them anything to do or how to do it. And they still have our bank account frozen and refuse to make any payment arrangements.And trying to collect a amount not even owed.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Filed for Chapter XXXX bankruptcy XX/XX/XXXX Loan servicer ( Ocwen ) offered a modification XX/XX/XXXX. The modification was to begin XX/XX/XXXX. It was to end XX/XX/XXXX. 
Accepted modification completing all specified steps required to do so. 
Mortgage payment statement changed XX/XX/XXXX. 
XX/XX/XXXX the Ocwen statement increased by over {$1400.00} US. 
Ocwen stated that the period of an interest-only agreement had ended. 

We agreed to a modification not a 5 year only interest only agreement. I am making the payment ( XXXX ) consistent with the modification agreement. I have retained in hopes that the matter could be resolved quickly without destroying mat already-poor credit rating. Both the lawyer and the servicer are unresponsive. Meanwhile it looks as if we may lose our home. We are receiving frequent notices of default.