davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to come to a resolution for loan XXXX since it was transferred to Select Portfolio Servicing from XXXX XXXX XXXX XXXX XXXX. It is now XXXX XXXX and I still can not come to a resolution with my servicer. My main complaints are ignored each and every time. I have sent several Qualified Written Requests and Letters of Explanation to Select Portfolio regarding the following disputes and the responses are vague. The servicer has a trustee sale date scheduled for XXXX XXXX, XXXX and they are not legally bind to foreclose. 
Disputes : 1. I was approved by Keeping Home California / Hardest Hits Funds for the Principal Reduction Program that Select Portfolio participates in. The agency has sent several notices to Select and all have been ignored. I have stated this approval in all written documents to my servicer and all attempts to get an answer is ignored. 
2. I am repeatedly told by my servicer that the investor on my loan ( XXXX XXXX XXXX ) will not approve loan modifications on the account. The servicer advised that the loan is owned by XXXX XXXX XXXX XXXX. I checked the trust and my loan is not shown in the list of loans and loan amounts. After further research, I find my home loan in the XXXX XXXX XXXX XXXX with a completely different investor shown. I provide this proof to my servicer in written document and all attempts have been ignored. 
3. I have not been offered alternative programs to avoid foreclosure. 
4. Single point of contacts at the servicer has been changed practically every month. XXXX representatives on file, XXXX XXXX and XXXX XXXX have tried to talk me into allowing the servicer to foreclose on the property. My last phone conversation with XXXX XXXX resulted in her offering me a cash payout. 
5. The current mortgage loan is not the same loan before it was sold to my servicer. The servicer advised that the loan was modified but the modification was canceled by my previous servicer. Select Portfolio will not recognization nor assist with a resolution on this matter. 
The due diligence on my file has not been done and I am outraged that my numerous requests have not been correctly answered. I am seeking assistance from OCC to have the upcoming sale date of XXXX XXXX, XXXX to be halted and an investigation done on my account. I received a Notice of Rescission of Declaration of Default and Election to Sell from XXXX XXXX XXXX XXXX XXXX, XXXX stating that the loan is indeed questionable and wrongful foreclosure was attempted. I have tried to get Select Portfolio Servicing to assist me with this research but all attempts by mail, fax, and email have been ignored. I have every intention of keeping my home. Your assistance with this matter is greatly appreciated.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

The XXXX of CA mistakenly charged my checking account for unpaid taxes, which they later cancelled. Wells Fargo refused to refund the charges for the garnishment so my account is negative {$120.00}. ( Please have someone call me that speaks XXXX. A translator helped me submit this complaint. )
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

Equifax is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to Equifax for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. Equifax has repeatedly said they verified this information was correct with XXXX ... BUT THEY HAVE MY BANKRUPTCY PAPERWORK AND KNOW XXXX COULD NOT BE REPORTING EVEN IF IT WAS CORRECT, WHICH IT IS NOT!
Consumer complaint received 2016-04-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo, has denied me a short sale, and the want to put the home foreclosure, they have been playing game since XX/XX/XXXX, stating that they have not received the document on time. They are violating MA state law, Acts 194 XX/XX/XXXX. we complaining before and its seems Wells Fargo are discrimination against us.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I applied to USAA for a re finance, the original company supplying me the loan was XXXX XXXX. I notarize and sent all necessary paperwork to USAA as soon as I was able. I was informed around a week and a half ago that a check had not been sent to XXXX as of that day and there was some confusion regarding the payoff amount for the loan. I ensured that the representative had the correct payoff amount for the check and assumed everything was fine. I received a call today, XXXX XXXX, 2017 from XXXX XXXX, informing me that they still have not received a check. I am now 29 days " past due '' according to XXXX XXXX and still waiting for the payoff check to make it to XXXX. I have {$100.00} to pay XXXX because of this.
Consumer complaint received 2016-04-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Central Holdings, LLC (SC)

I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (AL)

Today, XXXX XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a XXXX to XXXX point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MA)

On XXXX/XXXX/2016 I applied for a citibank double card. On XXXX/XXXX/2016 I received the card. before i got the card.my credit score was XXXX equifax.On XXXX/XXXX/2016 my equifax score dropped to XXXX XXXX/XXXX/2016 i paided the balance off. one week later my credit score dropped again to XXXX. On XXXX/XXXX/2016 I paided the balance off. Again it dropped to XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I canceled the card I was worried It would keep dropping.All I wanted to do was to get my credit score to XXXX so I could get the best deal on a mortage now I have to pay points
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Experian Information Solutions Inc. (KS)

I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (GA)

JPM Chase dispute process is overly cumbersome. I filed a dispute on a double billing from a merchant. Chase received incorrect information from the merchant and closed the dispute. Chase would not take verbal information over the phone to reopen the dispute. They required that I submit the request in writing and provide to a Chase branch. After doing this, two weeks later was told that the request to reopen the dispute is sent to a " senior dispute team '' and I am unable to call them directly. I have no way of speaking with this special dispute team until they decide it is appropriate to contact me. Meanwhile, the disputed charge was put back on my account and is being billed. Chase makes this process so cumbersome and difficult and provides no way to communicate with the special senior dispute team. The Chase associate that I dealt with was XXXX XXXX. ARN number XXXX.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have been informed that I am unable to transfer any membership rewards points from American Express to partners because my account is under review. They are unable to provide me with any reason for the review and since a nearly half of my membership rewards points have been in my account for close to a year there is no valid Terms & Conditions reason to prohibit these from transferring to partners. American Express is unable to provide any reason for why they are frozen simply than they are under review.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (IL)

XXXX L # XXXX They took {$230.00} for insurance protection that they did n't have. Began on XX/XX/XXXX until XX/XX/XXXX. They filed a class A lawsuit. Government gave them {>= $XXXX} and they were suppose to pay back the customers back. I recieved two {$2.00} checks and I never cashed them to this date. This is unaceptable.
Consumer complaint received 2016-07-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Management Services, LP (CA)

On behalf of XXXX, a debt was settled through XXXX XXXX , XXXX . Some months later, Capital Management Services , LP tried to collect the same debt. I wrote to Capital Management explaining their error and received no response. Capital Management continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to Capital Management 2. Capital Management 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, XXXX XXXX XXXX ''
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (VA)

I communicated with them and explained my inability to pay. After I explained I could not pay, my accounts were frozen. They would not allow me to change my direct deposit ultimately allowing them to liquidate my account to satisfy my loan payments. I finally was able to change my direct deposit and once they did not have access to funds they began calling me for collection. I further explained my inability to pay the amounts they asked for. I began getting back to back calls. Once I blocked the XXXX number they were calling from, I began getting calls from a local XXXX XXXX XXXX area code number. They also got data from a 3rd party source because they began contacting my mother. She was not listed on my loan, she did not co-sign for it, nor was she listed on any of my accounts as a verified contact. She got calls on her cell and at work. I sent a letter asking for them to cease communication with all of her numbers ( work, work extension, and cell ) along with mine. The calls continued for another 3 months until they charged of the debt.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).
Consumer complaint received 2016-10-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have been assigned a single point of contact with Bank of America. XXXX XXXX is the assigned contact. I have left XXXX voice mails and sent daily emails for the last 41 days without a response. I received multiple letters on XXXX XXXX from Bank of America that I was approved for a loan modification and also that I have received only XXXX modification. They are attempting to mislead me and not provide me with the loan medication they promised.
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Ascension Point Recovery Services, LLC (CO)

Ascension Point called me from a XXXX - XXXX telling me they were looking for someone who was the executor of my dad 's estate. They would n't tell me what it was about until I said I was the executor. She would n't tell me what it was about and did n't know my name. I said, " how can you cold call my number about my dead dad 's estate and not know my XXXX name? '' she did n't have an answer and that 's when I XXXX it and saw the scam reviews.
Consumer complaint received 2016-10-28
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

I took out a reverse mortgage in XXXX and everything was going well until I was unable to pay my property taxes. Wells Fargo paid my XXXX property taxes in the amount of {$710.00} ( I rounded the amount to the nearest dollar ). I received a letter two months ago stating I have 180 days to pay back the money or they are going to foreclose and put me out of my home. I am XXXX and in a lot of debt because my bills are greater than my income. I ad XXXX. I am widowed since XXXX. Please tell me what can I do to keep my home I have lived in since XXXX. Just please help me keep my home! Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

My home Loan was sold from XXXX to Caliber Home Loans in XX/XX/2015. It has been nothing but a uphill battle and I have been doing everything possible to remain in my home. I keep getting the run around with Caliber by getting told to talk to a different department, person, call different numbers, requested to fax this document etc. all of which I do. I went to my bank and they requested from Caliber a pay off amount in hopes to refinance and get away from them and they received no response. They did research on loan with Caliber and suggested I contact an Attorney which I did. The attorney requested an pay off amount for the loan and he also did not receive an response. I did have a conversation with caliber one of many and was told that they needed written permission to communicate with anyone regarding my account with them so I faxed them my consent. I then received a letter from Caliber stating that they were going to cease communication because I obtained an attorney. My attorney faxed them another letter stating that is not what we are trying to do. We want communication! So my next step in hopes of clearing this mess up was to contest the XXXX account numbers and loans that are associated with my mortgage and Caliber asking them who, when, and how much the loans were and provide supporting documentation. We still have not received anything. In the mean time I receive a letter every month that I am in default and at risk of loosing my home. I am told by one Caliber department to ignore that letter as it is generated by another department and that I am dealing with another department. Caliber stated that I was also behind in my taxes and asked me to provide the last 5 yrs. showing the taxes being paid so I faxed them to them. Last year I paid both county and school taxes and Caliber paid them because they were not going being paid on time.I was unable to get my money back from the county and was told the check from Caliber was sent back to them. When I contacted Caliber and informed them of what happened I got the run around. It was not until 3 weeks ago and numerous phone calls over a 2 year period that I was finally able to get online and see my account. Apparently there was a block on my account. I never received receipts, paper statements, balances, etc. I would mail my payments every month to Caliber with my account number for one loan. In the letter I recieve once a month stating that I am in risk of foreclosure there is an amount that states the outstanding debt is a lot less than the amount that appears on Calibers website when I log onto my account. I can not get anywhere with Caliber and can not begin to tell you what this has done to my health but will continue to try.
Consumer complaint received 2016-10-28
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (VA)

My dad died on XXXX XXXX, 2016. I am executor of the estate and heir to the home. I contacted his loan servicer, Reverse Mortgage Solutions, Inc on XXXX XXXX and was told to submit the letter of intent, death certificate, and executor letter. I was also told I had six months to sell with up to two extensions of three months each. I submitted all paperwork to RMS on XXXX XXXX. I decided to sell the home as there is enough equity left to do so. At this point RMS was very kind and understanding and they made the process sound quite simple - as it should be. 

As I continued to keep in touch with RMS and do all the endless tasks of executor their tone changed. I was told early on that the house could go into foreclosure " any day ''. I received comments such as, " what took so long '' regarding my auctioning of my parents belongings and cleaning up the home. The call center at RMS seems to play a good cop/bad cop routine and sadly they never give a straight answer on anything whatsoever. 

RMS had the home appraised on XXXX XXXX, 2016. I sent a request for a copy of the appraisal in writing via email to RMS on XXXX XXXX, 2016 after speaking with XXXX, and I was told they 'd have a copy mailed to me within 24 hours. Request sent again on XXXX XXXX, 2016. XXXX XXXX, 2016 I spoke with XXXX at RMS again requesting the appraisal. XXXX XXXX, 2016 - spoke with XXXX at RMS still no appraisal. I finally received the appraisal on XXXX XXXX, 2016. That 's 61 days to receive paperwork that I was told would be sent in 24 hours! 

I signed a listing agreement on XXXX XXXX, 2016 and sent a copy to RMS via email. I spoke with XXXX that day to verbally update RMS. 

Friday, XXXX XXXX, 2016 I received a Notice of Trustee Sale on the property that is scheduled for XXXX XXXX, 2016. Reverse Mortgage Solutions foreclosed on the property 4 months and 21 days into my alleged six months. 

I feel that Reverse Mortgage Solutions has violated my rights. I have been given no clear answers as to why they are not honoring the six month time frame and not honoring an extension on that time. I have done everything " by the book '' and in a timely manner. As of this week ( XXXX XXXX, 2016 ) I 've had a potential buyer see the home twice only to become aware of the published trustee sale and run away. 

I spoke with XXXX at RMS twice about the issue and he claims to be baffled by the move and claims to understand my frustration but has offered nothing in the way of a solution other than to say, " you need to get more buyers '' - a seemingly impossible task with the threat of imminent foreclosure on the horizon. 

I can not see how Reverse Mortgage Solutions has any legal right to sabotage my opportunity to sell the property and satisfy the debt. The whole thing feels like a bait and switch. I worked hard all summer to get a 30 year-old neglected home back in shape. I invested my own money. I did all this in a timely manner only to have Reverse Mortgage Solutions , Inc essentially steal it away.
Consumer complaint received 2016-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I 've requested the cancellation of the property scheduled for XXXX XXXX, 2016 .I 've also notified them that a Lis Pendens that was filed in XXXX XXXX XXXX XXXX Court in Florida regarding the actual assignment that originated, created and executed in Florida XXXX Wells Fargo have denied my request even though the basic requirement of a non-judical foreclosure is the assignment. 
Also they refuse to respond through the CFPB portal and states over the phone that their response is in the mail. Their responses in the past have been, your questions are too broad or we 've responded to your request. Thank you for your attention in this matter.