davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

i have had work done to my house ( XXXX ) replaced well fargo property loss dept. has refused to remit the insurance check promptly. the check was issued from insurance co. XXXX wells fargo say the sent it to me regular mail. XXXX then XXXX the problem is the check has been receieved and now the contractor is threatening to remove unit and file a lien against the property. this is a pattern of deception that is illegal.the property loss department is purposely causing this problem
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc. (OH)

I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (VA)

XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the fraud.
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC (PA)

I 'm inquiring about help with a bill collector that is calling looking for the wrong person. This woman keeps calling from a company called North Star Services. She is looking for XXXX XXXX, whom I am married to. Except they are looking for a different XXXX XXXX. They want me to give them personal information and when I wo n't, the woman I spoke to said she wo n't take the numbers off. They must be searching the internet and XXXX for our relatives. They called my cousin who works at a XXXX in XXXX XXXX and lead her to believe there was a family emergency and tricked her into giving information. They verified that the XXXX XXXX they are looking for lives in a different city but then they want us to give out date of birth and social security. 
I have also found people blogging on the internet about this same person from back to 2013. Seems like they are always calling people about made up debt and harassing family members at their work place. Are there any laws in place to stop this? 
How can I stop them from harassing family members? 
Person 's name is XXXX XXXX or XXXX XXXX XXXX North Star Location Services Thanks for your help, XXXX XXXX
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I came home from hospital and called a friend to take me to XXXX XXXX she came at XXXX on XX/XX/2016. We returned a few hours later and when driving up I noticed my front door opened and there was a latter against the front of the house. She went to the back of the house while I looked around the front. My window inside was broken and someone had started cleaning up some of the glass.We both called out several times when to men finally came out from back. They said my mortgage company sent them to lock box my house. What, I said, I am not in foreclose.I asked for papers he had none, only a email. I called mortgage company, Rushmore Mortgage { XXXX } tried to reach XXXX XXXX but could n't { XXXX } she is my contact person that I keep constant contact with. The man told me that they did send him to lock box the house and that they thought I had moved out, also that it does not show I am in foreclose. I asked friend to call police and asked them to arrest him. Police spoke with mortgage company and they also told him I was not in foreclose but they had a right to be there. { police report cad # XXXX } After police and friend left, I open door and seen that he had been inside the house. Things were moved, television, tools, money, closets, draws were opened also in bedroom and basement door was opened. Things were moved by front door.I have trouble sleeping, I was so scared. I cried all the time officer was there.I am very sick.
Consumer complaint received 2017-03-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

This company is reporting an account that I have no knowledge of ; Not only that- Its passed SOL in the state of TX . This company is damaging my credit and I 've never received any kind of notice prior to this acct reporting to the credit bureaus.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KY)

Ocwen Loan servicing is reporting totally different info to all XXXX credit reporting agencies. They are trying to say we missed 2 payments to XXXX but are on time, saying we missed 12 payments to XXXX but on time. My wife and I sent our mortgage payments to them with XXXX separate checks. Usually {$600.00} out of my account and the remainder out of my wifes account. What they did with the money from my wifes account we have no idea, but they are trying to say we were only sending partial payments. We have all of the proof. Since doing a loan modification loan with them back in XX/XX/2016, they REALLY have it XXXX. They were holding our payments in a suspense account for months, saying we were late, then applying a lump sum to the mortgage. We then received another loan mod kit wanting us to apply for another, saying they messed up on the first one and forgot to add some money in there somewhere and made us sign a new one which raised our mortgage payment from {$580.00} back to {$780.00} which is more than it was before we even did the 1st modification loan! They have been sued for XXXX dollars for the exact same thing. They are causing XXXX on myself and my wife because they have our credit scores so XXXX. They fixed it at one point with XXXX and my score went up to a XXXX. Within a week XXXX was showing the 12 payments missed and my score went back down to the low XXXX. They are very confused and most of this is coming from the loan modifications. I know its the law they have to provide the exact same info to all credit reporting agencies as I have spoke to the attorney generals office as well.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (GA)

2 credit collection companies are trying to collect on the same debt from XXXX. Southwest Credit Systems placed a tradeline on my credit report on XX/XX/2016 and XXXX is also listed on my credit report trying to collect for the same company. I had to look Southwest Credit Systems up on goggle to get contact information. Once I contacted Southwest Credit they had over 5 addresses listed for me and none of them belong to me.
Consumer complaint received 2016-12-11
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (CA)

I have a netspend debit, credit card, I have several direct deposit going into that account. 
On XXXX/XXXX/16 my retirement went into the account. Some called in and talk to customer service agent and ask to have my pin change and address. They transferred {$1000.00} into some name XXXX XXXX account without my knowledge. They sent me a email stating that some request pin change and wanted the money transferred, if you did not request please call right away. I did to let them know it was not me. They started talking about it would take up to 45 days It did not take them that long to give my money away. I 'm really thinking it is a inside job, there are so many complaints against Netspend of them not returning their money. They should be closed down if this is the way they conduct their business. Hope someone can help.
Consumer complaint received 2016-08-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NY)

On XXXX XXXX, 2016 I sent money to my fiancee in XXXX. On that day I paid using my XXXX XXXX XXXX debit card. The western Union tracking number is XXXX. The entire of {$320.00} was immediately debited from my account. About two weeks thereafter, Western Union debited the same exact amount from my XXXX account on XXXX XXXX, 2016. I discovered the unlawful debit from my account on XXXX XXXX, 2016. I immediately called Western Union and was advised that the money would be returned to me immediately. Since that time I have placed at lease three calls to Western Union and have not received my money. So effectively Western Union stole my money and while they continue to acknowledge the theft they can choose to return it when they feel like it. Today is XXXX XXXX, 2016 and I still do not have my money. They can not tell me when I will receive it. They should be punished they have offered me a free transfer for the next service. I have no confidence in them. I gave them over a week to take care of this problem yet it remains unresolved. I would like Westernh Union to be punished for this crime.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I took out private loans to help pay for XXXX school. I was advised of the amount borrowed when I took out the loans. I was advised of the interest rates. However, I was never informed of how that interest would accrue. I have XXXX loan that the amount borrowed in XXXX was {$27000.00}. I have made regular payments of {$600.00} per month and pay more when I can. These payments began in XXXX when I graduated from XXXX. I now owe {$69000.00} on the loan. TRIPLE what I originally borrowed despite regular payments. I feel like these are unfair lending practices.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I sent you guys a complaint a few months back and that have a very positive effect on getting my mortgage and short sale moving along after being stuck for 8 months. Thank you for that. It has been a year now since I started the short sale process and still no resolution. The last potential buyer backed out after we were quoted 15 business days to review the short sale and we did had no word after 6 weeks. I call to complain and no one seems to care. Now I have to start this whole process all over again. This is totally unacceptable for it to take this long. It took so long that our initial documents all expired before they could complete the process and we had to complete new ones. I was able to get my wife a XXXX faster than this. I try to give them everything they need and they drag their feet until the buyer walks away. The process is so difficult they want to foreclose.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a home loan with Bank of America Loan # XXXX. I have been unemployed since XXXX XXXX, XXXX and on XXXX XXXX, XXXX fell behind on my payments. I contacted Bank of America in the XX/XX/XXXX to let them know that I may fall behind in the near future and was n't sure I would be able to pay for XXXX. I had contacted HOPE and based on the information I gave them the counselor said that I qualified for an unemployment forbearance. When I spoke to Bank of America the account manager I spoke with said " we can not help you because you do not have income coming in. I will send you a loan modification packet because we by law have to send it. '' I filled the paperwork out but they have been dragging their feet and not giving me an answer when they already said they could n't help me. I feel they are stalling so that my house will go into foreclosure so that they will have to do a short sale of the property. I am in the process of putting my house on the market because I feel that Bank of America is not willing to work with me on programs I may qualify for. I feel they are purposely stalling the process when they are going to deny me help anyway so that they can profit from this. I only have {$3100.00} to my very name and need money to survive until I can find employment. They are fully aware of my situation and finances due to the modification paperwork I filled out and even though they know how desperate my financial situation is, they are refusing to look out my best interest because they are a business and looking out for themselves. I would like to be able to make a profit from my home in order to stay afloat. Bank of America truly needs to work with homeowners who especially want to remain in their homes and who like me have NEVER missed or been late on a payment. I would like for them to stop the deceptive practices and value their customers more instead of always looking out for themselves. I personally want them to understand and work with me to gain a profit due to my situation. We make their business and I have informed them that I am going to get on social media and let everyone know what type of bank they are and that they care nothing about customers but their bottom line. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I saw the article about Navient online and realized that I have an extra {$10000.00} on my balance because I was told to " defer '' my loans XXXX times! I was under the impression from the representative I spoke to that this was a sort of " hold '' on my account that would basically " freeze '' my account until I could afford the payments. Now I know this was not the case and have even more to pay back!
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NC)

I believe that Executives and Branch representatives at Branch Bank and Trust XXXX XXXX XXXX misled me into opening business accounts with account service fee structure.that they then immediately changed in order to charge more fees. Account executives knew the changes were occurring at the end of 2016 but did not properly notify account holders. Statement " notices '' were inadequate considering most customers do not access statements in online banking web sites and instead look at screen transactions. Proper disclosures were NOT made for online customers and I believe the bank is guilty of violation of UDAP, since they misled me personally into a price structure that they knew would change to the very one that I had rejected with another bank. When I called my " personal banker '' to question the fees in XXXX she said that the fees were overdraft fees ( which was incorrect ). Since she misrepresented the fee this caused another month 's worth of Service fees to be charged to all of my accounts. She did not disclose the new fee structure when I complained and said that she could not waive fees ; that the " corporation office '' was free to change fees without notice. It is hard to believe that BB & T executives did not know that they would catch many unsuspecting business account owners by surprise and create a big spike in their fee revenue for the year! I believe that banks in general, and BB & T in particular, create artificially low " come on '' fee structures to get customers to change banks, then change the terms without proper notice. Since it takes so long ( 4-6 months ) to change business bank accounts banks should be required to give PROPER legal notice AND sufficient time period for customers to change banks before they levy fees. They should also be required to disclose new " substantial '' fee changes and increases in multiple forms ( customer email and online banking notices and/or emails ). I believe this is a well designed plan to rip off consumers and small business owners and implore you to open a class action complaint and fines against this flagrant violator.
Consumer complaint received 2016-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NY)

I have been paying my loan agreement with Navient/XXXX on time. The money is an automatic payment. I have recently started to recive phone cals from them offering a settlement offer, in which i would have to pay a large sum XXXX XXXX XXXX in XXXX payments. I have told tgem that i can not do that and would stay with my current payment. I was told by the rep that i could take out a loan from my XXXX, ira or a personal loan. I thought she was overstepping her boundaries. After i told her no i would not be doing so she then responded " you rater be responsible for XXXX than XXXX? Again thats none of her concern especially if im making my payments. I received another call from the same rep a week later offerung the same settlement. I asked her why was i still receiving these calls and she looked into my accout and said that it was because i show that i have an available credit card amount of XXXX which i could use as a down payment. I dont think that its fair of them to harrass me for a down payment for a settlement that i can not afford when i am making payments to them and is in good standing. My credit will not be used to give them more money, that is my emergency card and is not used for that. They are a money hungry company
Consumer complaint received 2016-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SQUARETWO FINANCIAL CORPORATION (OH)

I was studying the year 2009. I went to a XXXX get my XXXX and mi SS. This XXXX start getting money from my SS. When I found out I call them and my make some payments. They told me that get evidence that I ca n't pay the loan. I sent all the evidence to them and I was paying {$5.00} after I sent all the bills they sent me a letter that I do n't have to paid no more. I moved to Ohio and then this Collection company is calling me every at XXXX am to the whole day XXXX times a day. The name was XXXX and now is CACH LLC because XXXX transfer the debt. The numbers are XXXX,XXXX,XXXX etc. When I moved to Ohio I lost that letter that proof is all resolved so I do n't have evidence to show them. Please. Help me.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did not get the bonus for opening checkings account with Bank of America. On the website XXXX I scheduled an appointment to my nearest branch as said on the website from the link on the website. I received email on XXXX XXXX, 2016, XXXX CT with confirmation number for appointment XXXX to open the account with above offer. I opened the checkings bank account next day with bank manager saying that bonus will be honored once direct deposits are made. I chatted with Bank of America representative same night to know when Bonus shall be received. She said that Bonus will be received after 90 days of meeting requirements. I did n't receive bonus till XXXX. I called Bank of America on XXXX XXXX on customer service. The representative said that after meeting requirements in 90 days, it usually takes around 1 month for processing the bonus. In XXXX I did n't receive any bonus. On XXXX XXXX, 2016 I again called the customer representative that I did n't receive bonus in spite of continuous direct deposits. She asked me to call XXXX number as the Promotion department was closed that time. I called the above number on XXXX XXXX, 2016, I called the above number and everything was answered in XXXX. So I again called the customer care on XXXX XXXX, 2016 to take up the case, continuing from yesterday. He calls the promotional branch and replies that I am not eligible for Bonus. He tells me that my name is not there in their list. I tell them its not mandatory to open the account online, its given on the website that the account can also be opened by going to the branch and my scheduling appointment through the website is the proof of it. They told me that you can talk back to the branch. I am tired of this Flip-flop from one person to other. 
My logic is simple. I opened the account through the promotional offer website by going to branch. The branch person who opened my account. I met all requirements with all direct deposits till today. Now its their turn to honor the bonus. My work hours as a XXXX do n't give me time to go to the bank branch on weekdays like they want and I do n't understand, why I should go to the branch. They should contact the branch manager by themselves and resolve the issue, but the customer service do n't want to open the case. I think Bank of america just does n't want to honor the bonus and make their customers beg for bonus. I am soon going to terminate my account if I do n't get my rightful bonus from them.
Consumer complaint received 2017-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

hi my wlfe hads been out of work for a bout 2 years .I XXXX XXXX is the only one working at the time.i been paying my morage late but it get paid .bank of America been threating me that they are going to put me and my wlfe out and grand son.i hand ask theme for help and they turn me down.and they have all kind people callin me and sen me letter a bou my late pay ment.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA HAS HIRED A LAW FIRM XXXX THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH BANK OF AMERICA WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. 
XXXX XXXX HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF BANK OF AMERICA, AND ADDED ON EXCESSIVE FEES ON THESE XXXX ACCOUNTS EVEN AFTER I HAVE EXPLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A XXXX VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP