davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (AL)

My mortgage Company is making me behind in my payments. They started holding my payments in funds in suspense balance in XX/XX/XXXX. XX/XX/XXXX statement has {$2200.00} being held. my payment is was {$1100.00} then they raised the payment with telling me why. 
It was just on my statement I was doing trile payment until XX/XX/XXXX of XXXX. 
I did all the payments but, then they made all the payments that I made in the trile pay ments back to XXXX. No letter why just changed on statement. I have a escrow that gets {$290.00} each month. They took my payment to pay my taxes. did not count it as a payment. Just put me behind more in my payments. Then they took my payment to pay my insurance. did not count my payment as a payment put me behind another payment. 
I have been trying to get a loan modification for a longtime they just keep making me do the whole package to get the loan with over. I can never talk to anyone. I leave messages no one calls me back. I am on XXXX my check is only {$XXXX} I have been trying to get a loan since XX/XX/XXXX. I never get a letter turning me down they just want more paper work that I have given them so many times they say they do n't have it. The tell me its in underwriters then they need more of the same paperwork. I have worked with them until what they are doing to me now. I make a payment they hold it in suspense. They make me behind another month. They are suppose to pay my taxes and insurance out of my escrow. Which XXXX goes into it every month. I have ask for a copy of my escrow account have not got one yet. I am being miss treated by them. They are putting me behind even if I make payment. they want to foreclose on my home I have a lot of equity in it. I have never had a mortgage company take my payments to pay what should be paid out of escrow. Then do not show I made a payment. I think they think I am to dumb to notice what they are doing. I went to XXXX out of high school. That was what I wanted to do I liked being and helping people. I got alone with everyone. But, it was not the money I wanted so I started XXXX. Still not the money I wanted. I started XXXX that was much better money. But, still not what I wanted so I XXXX. I had finally got what I wanted. XXXX. I always worked as hard as I could. When I was XXXX I worked everyday day light to dark. I wanted to be able to stop working while I was young enough to enjoy life. As I was XXXX I met this man I thought I knew. But, I did n't he just wanted what I had worked my whole life for. XXXX. XXXX. that is why I am XXXX now. all my hard work my whole life gone. now I have to deal with a mortgage company that is not acting right. please help me.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Here is a copy of the complaint mailed to Capital One. 

On XXXX/XXXX/16 I disputed my charge with XXXX XXXX XXXX. I received two secure messages regarding the dispute, almost immediately. Printed copies are enclosed. 
On XXXX/XXXX/16, I received another secure message advising, verbatim - Unless the merchant resubmits the charge within 45 days of the date of this letter, we consider your case closed. If this occurs, we 'll notify you and may re-bill your account for the amount of the credit. Please keep all documentation related to this dispute for 90 days. Again, a printed copy is enclosed. 
On XXXX/XXXX/16, we received another message, stating that the merchant resubmitted the charge, with proof. Here is where the problems arise. 
XXXX/XXXX/16 through XXXX/XXXX/16 is 73 days. 52 Business days. This was WELL beyond the 45 days, so I initiated an online chat on XXXX/XXXX/16 to find out why. I chatted with XXXX. I asked outright - what date did the merchant rebill the charge. He said I was rebilled on XXXX/XXXX/16. I reiterated, asking if XXXX/XXXX/16 was the actual date. He said yes. I explained the issue. With that, the chat ended fairly quickly - printed copy enclosed. 
On XXXX/XXXX/16 I received mailed letter of documentation from Capital one. All correspondence is dated XXXX postage stamp is dated XXXX/XXXX/16. Unfortunately, the rebuttal from XXXX XXXX XXXX is all dated XXXX/XXXX/16. 
I was advised, as written above, if this occurs, we 'll notify you and may re-bill your account for the amount of the credit. 
Is your turn around time normally 63 days, 45 working days from the merchant 's response? Is that how it works? If so, why do you claim 45 days from date of this letter?
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Financial Resources, Inc. (FL)

I have submit a compliant last year regarding to a private student loan from the creditor XXXX XXXX XXXX XXXX. ). At that time the collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beginning harassed about a debt that I do not owe. First Financial Resources , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX have notified me via US mail and I replied in writing on XXXX/XXXX/XXXX. I requested copies of all text books, labs, uniforms etc. but were not provided the information. This company mailed a copy of a contact on XXXX XXXX, XXXX. I have no knowledge of the contract. I am not responsible for the amount the creditor states that I owe. The creditor to this day have not provided me with proof of this debt as I requested ( ex. all books, labs, etc ). Why should I pay for something that I do n't know what I was charge for in details. Also, the company has threatening to place me in collection due to this matter.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: (Former)Shapiro, Swertfeger & Hasty, LLP (NV)

My complaint is with  XXXX   XXXX  apartments. They have my credit report down with an eviction. They are saying I was on the lease when they tried to evict my father. My name and social should n't have even been on it considering I did n't sign the lease until after I moved in with parents. Now they are trying to nail me with an eviction that I was n't a part of. I need this fixed because it is messing up me trying to get into an apartment.     Since I was n't even on the list to begin with. It should have been under  XXXX   XXXX . Not  XXXX   XXXX .
Consumer complaint received 2016-09-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America Account No. XXXX Twelve years ago I took out a Home Equity Line of Credit in the amount of {$20000.00}. I paid off this loan in full in XXXX XXXX. I filled bankruptcy in XX/XX/XXXX, papers from attorney showed I was keeping my XXXX mortgage and XXXX mortgage ( home equity line of credit ) from Bank of America. Now they have a lean against my house, and they want me to pay {$11000.00} from me because first they claimed it was because XX/XX/XXXX my husband and I filled bankruptcy. I sent them the legal papers showing that we reaffirmed the debt. Then they said that it was because XX/XX/XXXX I had a foreclosure. That is false, I never had a foreclosure on my home. XX/XX/XXXX I did a modification of my original mortgage. I never missed XXXX payment on any of my loans. I was told to send in {$220.00} fee for the release of the lien on my home. Bank of America has applied the {$220.00} to the {$11000.00} that they are insisting that I pay. Please help me with this matter of utmost importance. My phone number is XXXX my email is XXXXXXXXXXXX
Consumer complaint received 2017-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (VA)

My Name : XXXX XXXX Bank this complaint is againsgt : XXXX & XXXX ( Branch Banking & Trust Company ) Account Info : ( Bank : XXXX ; Branch XXXX ; Customer : XXXX ; Loan : XXXX ) Property/My Address : XXXX XXXX XXXX, XXXX, VA XXXX ) I paid off a 2nd loan ( HELOC ) on my home in 2011 to BB & T ( Branch Banking & Trust Company ). To this day they have n't release the lien on it. I am attaching a letter of satisfaction of the loan upon payment, sent to me by a law firm representing BB & T for your reference. 

I am not being abler to refinance my mortgage to lower my debt as a result of this undue lien on my property. 

I would really appreciate your help and effort in this regard.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Cash advance fee — 
Company: WELLS FARGO & COMPANY (IA)

Disputed both online and XXXX number but both paths ran into errors on site and representative unable to process dispute. Online dispute stopped at step 1 with error a support evidenced attached. Representative attempted to defer and re-direct to a new department. That department was XXXX. Requested an escalation but XXXX XXXX only was listening in the background and did not announce herself. Stayed on hold for 1/2 hour and was finally transferred from XXXX to Supervisor XXXX .also XXXX deferred back to XXXX to escalate and stayed on hold for 50 minutes on hold and still no escalation. Finally a very rude XXXX from Customer Service and Office of the Executive kept prying into reason for transaction and only wanted to ask the nature of purchases. I explained a similar transaction from same vendor on XXXX/XXXX/16 and gave concrete example of no fee charged but XXXX could not provide an explanation. Requesting full refund of and and fees charged by Wells Fargo on this account. Internal case # with Wells Fargo is XXXX but XXXX ended recorded call with " we are not reversing any fees. '' XXXX essentially stated the they would do NO research and had already judgement on a flawed service where company charges arbitrary fees on unsuspecting customers. 

Next steps
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (TX)

I was reviewing my credit report and this medical debt was on my credit report.
I have not been to the Dr or hospital to have any debts reported on my credit report.
I have not been notified or any bills regarding past due balances or debts owed.
This is not my debt, I have not been notified of a debt nor do I owe any medical bills. Without proper notification of a debt owed or deby collection attempt received this can not go on your report without verification or attempts made to collect.
I continue every couple of months to notice bogus debts added to my account which are not mine, this is unsettling.
I want this removed from all 3 credit bureaus on my credit report.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I filed for Bankruptcy protection ( chapter XXXX ) in XX/XX/XXXX during the whole process I was in contact with my mortgage company trying to get a loan modification, because I wanted to keep my house. In XX/XX/XXXX I started to make the trial payments for the loan modification. I was required to make 3 months payments on time which I have done. On XXXX XXXX, 2016 I received all the paper work for the modification. I was told by XXXX XXXX I was behind in my mortgage payments by XXXX dollars and If I wanted to be current and up to date I needed to sign the modification papers, after reviewing the agreement, I learned that they wanted to add 20 years to my mortgage. At 5.8 %. that is over XXXX dollars for a debt of XXXX. I contacted my bankruptcy lawyer and learned that the XXXX dollar rears was added to my bankruptcy and I was already paying that back. The agreement that they sent me added not only 20 years to my mortgage but also XXXX dollars to my principle? I asked XXXX XXXX what that was for and she could not tell me, she stated it was what I owed in rears but they didi n't want to go to XXXX so they did n't add everything. As a widow I really think they were hoping I would just sign the paperwork and not ask any questions. I also asked XXXX XXXX how they came up with adding 20 years for a XXXX debt and she claimed she messaged the underwriter and would get back to me as soon as she heard from them. I called twice today and left messages but have not heard anything.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I was approved for a Home Affordable Unemployment Plan ( HAUP ) with my service provider, Bayview Loan Servicing for 6 months. In the meantime I also requested a loan modification to reduce my mortgage payments. I was told that while my modification would be in review to keep paying the reduced mortgage payments under the HAUP plan. I was denied the modification and was then told that the HAUP agreement was no longer in effect as a result of the modification being denied. I was never told that the HAUP would be cancelled if I did not get the modification I requested. I continued to send in the " reduced '' payments under the HAUP agreement as I 'm still unemployed. I have been charged late fees on my account when I am not late on my payments, my monthly statements are never accurate and I continue to get calls every month regarding the same issues of " nonpayment '' on my account when I make the payments on time every month.
Consumer complaint received 2017-01-23
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I was given a {$50.00} Citi Prepaid gift card that did not work. I reordered it and never got a replacement. I then reordered it again, someone fraudulently obtained it and spent all the funds. Citi sent me a fraud form, told me to fill it out and send it back. I called today as I never heard anything and they stated that the can not process a fraud claim on a prepaid card and apologized for the misinformation. They never notified me of their intention to not process the claim.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TN)

I was issued a refund on a travel purchase that was credited to my Sam 's Club XXXX XXXX issued by Synchrony Bank. The refund, {$4100.00}, was transferred to my account, # XXXX XXXX XXXX XXXX, on XXXX XXXX 2016. In a call to Synchrony Bank today, they said they could only send me a refund by check and that would take up to a month, corresponding to my next billing cycle. So Synchrony has a plan to hold my cash for another month before returning it to me. Yet when I pay my account at Sam 's Club or at Wal-Mart by check, they immediately electronically draft the payment out of my bank account. But they claim they have no way to electronically return my cash to my bank account except by check sent by USPS mail. 
Synchrony Bank has very effectively stacked the procedure to take advantage of their customers and that indeed is wrong. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Consumer complaint received 2016-11-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ND)

XX/XX/XXXX, I was working as a XXXX in the XXXX XXXX XXXX XXXX. As a result of a series of legislation called Act 10, I was forced to take a cut in take home pay of almost XXXX per month. I immediately began trying to work with XXXX XXXX XXXX to modify my home loan into something affordable. I was told that I had to be 45 days behind in order to start a modification process, so I allowed myself to fall behind to start the process ( I was running about 29 days late prior ). After 3 years of attempting to work with them, including lost paperwork, inaccurate claims ( ie home vacant when it was n't ), and changes in case workers, etc I finally contacted my local State Representative who managed to get XXXX XXXX XXXX to work with me. XX/XX/XXXX, I finally had a modification offer but it modified my home to over {$170000.00}. My home is only worth about {$69000.00}. When I asked about modifying it down to what it was worth, I was told to sign the modification and then XXXX XXXX XXXX would work on adjusting the modification down to its value. The only reason the amount was so high was due to XXXX XXXX XXXX taking over 3 years to modify my mortgage and their ineptitude with the process. XX/XX/XXXX, I was offered a job in XXXX, ND which I then accepted. My preference at that time, would have been to have to modification at the value of my home and then to rent the home out. As XXXX XXXX XXXX refused to honor their earlier agreement of renegotiating the modification down to the value of the home, it has now fallen into foreclosure and is vacant. After XXXX XXXX XXXX sold my mortgage to Carrington Mortgage-while in the middle of a modification, in XXXX XXXX, I again attempted the process and was denied any options. When I called to work with the company, I was told, on several occasions, different things. Once I was told to go ahead and short sale it, only to receive a letter later stating that was not possible. I also received a letter stating that I did not qualify for any options. XX/XX/XXXX, I received notice from a law firm representing XXXX XXXX XXXX that my foreclosure was being reopened. In XX/XX/XXXX, I received the attached legal work stating the foreclosure was in the 3 month redemption. After contacting both Carrington and XXXX XXXX XXXX over the course of the last 4 months, I have been told each other owns the mortgage, no one has foreclosed, the process has not been started, it has been started, XXXX XXXX XXXX is not allowed to do that, we do n't own the loan, we do own the loan, etc. My last conversation with Carrington stated that they are selling the mortgage effective XXXX/XXXX/XXXX and will not do anything with it, while the attorney for XXXX XXXX XXXX is trying to move forward with the foreclosure. I have been dealing with this for almost 4 years, with no solution in sight when this should have been completed over 3 years ago. I have attached some of the RMAs, etc and have most paperwork available ( about XXXX pages worth ).
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

I purchased a XXXX XXXX XXXX Party tent XX/XX/2016. I did not put this up until late spring, as it was to used in the summer. Once up, it fell down 3-4 times, with the poles each time bending and basically getting to the point of being able to be unfixed. I contacted Walmart.com for assistance and was told XXXX different times, my card would be given a refund for this purchase while they contacted the company it was purchased through to allow me a " Simple '' solution to returning this, as I live in XXXX state and it needs to be shipped to XXXX. I was never given information on returning this and never had any idea I could not return this to a local store. After going over 5-6 weeks with no answer and no return, I called Walmart.com again asking for assistance. NOW, they transferred my complaint to the company this shipped from and I was told this was past the date of being able to be returned. I am LIVID! I was put on hold with no answer to this problem for over 2 months and now I get this?? My order number was XXXX and the purchase price was {$120.00} plus tax. I want this off my credit card and personally think I deserve more at this point, as I have been a loyal customer of Walmart for years.
Consumer complaint received 2017-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS continues to report on my credit file for two amounts of {$670.00} and I have requested validation of the debt being mine and they only send a letter with dates and amounts and this letter does not prove how the debt is mine. Since they ca n't they continue to play hop skip with submitting to the credit bureaus after numerous deletions. On my other XXXX bureaus.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Where is my money? 
I have 30 years ( fixed rate ) mortgage with Wells Fargo. Loan # XXXX. I have to pay my mortgage by XXXX every month. In XXXX 2016 my mortgage payment was {$1200.00} and on XXXX/XXXX/2016 I paid {$1200.00}. Additional Principal Payment is {$31.00} and that money is lost. Store Manager of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ) told me sorry we can not help you, we do not have that department and we do not know where is that money, call our mortgage consultant if you have any question. I have Transaction Receipt and it showing '' Total Payment {$1200.00} '' ; Wells Fargo cashed my check on XXXX/XXXX/2016 {$1200.00}, but they sent me Transaction Statement for Payment received $ XXXX.I want to know Where is Additional Principal Payment???
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is a formal complaint made by me XXXX XXXX that you Equifax block information listed on my consumer credit file that result in identity theft and fraud pursuant to FCRA 605b ( 1681c-2 ) The fraudulent, false & inaccurate information consist of the following accounts : XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX  - account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX -account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX I have attached a copy of the Ftc Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all credit account and collection are the result of identity theft