davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Related to Wells Fargo Complaints : In approximately 2009, we decided to refinance our 30 year conventional mortgage, because the interest rate on our then Wells Fargo Mortgage was quite high. We applied to refinance the mortgage with Wells Fargo, because they were familiar with our good payment history. At that time we had over XXXX percent equity in our home. Wells Fargo tried to convince us not to refinance. They finally agreed to refinance at a lower interest rate, but only if we agreed to pay mortgage insurance for at least one year. Given that we had over XXXX percent equity, we were not borrowing against the equity, and we had never fallen behind in our payments, we inquired why we would be required to take out mortgage insurance. We were advised, given the current financial crisis, anyone taking out a mortgage with Wells Fargo was required to take out mortgage insurance and that we could apply to have it removed after making one payment under the new mortgage. We were told, however, that Wells Fargo would likely continue to charge the mortgage insurance for a one year period after receiving our application to have it removed. So, we declined to accept the terms and conditions with Wells Fargo, and refinanced ( with no mortgage insurance required ) through our local credit union. We believe Wells Fargo was bilking people with good credit and mortgage payment histories, out of money by charging for mortgage insurance that was unnecessary. The bank was likely pocketing the money -- or a portion of that money, perhaps in collaboration with mortgage insurance companies.
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My loan was originally taken out through XXXX XXXX XXXX XXXX. Without notifying me, they then transferred the loan to XXXX XXXX. XXXX then told me I had to contact a different servicer, ECSI. ECSI now has two of my loans and every single time I call to speak with them they confuse what loan I am calling to speak about, which is a hindrance but I can deal with it. My main complaint is that when talking with a representative from ECSI in XXXX to discuss taking my loan off of automatic repayment, they told me that I had a " grace period '' from the XXXX of the month until the XXXX to pay. What they did not tell me was that my interest rate would go up, increasing the amount I have to pay every month, and that additionally I would be accruing interest every day that the loan goes unpaid. I have been facing payments more than I paid before, and they now include interest charges on top of that. Every representative I have spoken to since has said that the information I was given was wrong, but they will not do anything to take off the interest charges. Additionally, my billing statement has a lower amount due than what I am told to pay when I log in. I am attaching documentation of what I was told to pay, and receipt of my payment for that amount rather than the higher one. " Included with the documentation is a chat log from today, XXXX XXXX, 2016, when I was told that my interest rate was raised. I never received correspondence about this. It is supposed to be a fixed interest rate, and I am assuming it was raised when I turned off recurring payments but apparently there is no way to get it back down now that it is with a different servicer. I was told during a chat with a representative that " some credit unions give discounts if you are on reoccurring payments but theres no way i can tell you if your credit union lendkey had you consolidate with is one of those '' ( XXXX ). I am extremely tired of not knowing what happened with my loan, my interest rates going up, my monthly payments changing, and being told misinformation that costs me money.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (DE)

My escrow account with Ditech was cancelled effective XX/XX/2016. My XX/XX/XXXX billing statement and the automatic payment was for the correct amount. However, the XX/XX/XXXX billing statement and automatic payment included escrow even though I contacted Ditech XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail in getting it corrected. That caused my checking account to be overdrawn and I had to transfer money from my savings account to cover another bill. Now, the XX/XX/XXXX billing statement has escrow included, but the automatic payment has been cancelled. I pray that Ditech does not still make the automatic payment.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MA)

My mortgage company, Roundpoint, increased my monthly payment due by about {$500.00} based on wrong property tax projection for the town of XXXX. They paid wrong amount to the town XX/XX/2016 and got refund XX/XX/XXXX from the town. Their escrow analysis for this year is based on the wrong amount they got refunded XX/XX/2016. Since I get tied of the mistakes they have made and overcharging for my escrow account, I requested the removal of my escrow account. They denied my request without justification. they stated that the loan to value ratio is greater that XXXX % but it is actually less than XXXX %. They also claimed that I have PMI, but currently there 's no PMI on my loan and I have not paid PMI out of my pocket. 
Customer service has not been able to answer to any of my inquiries and they don ; t allow me to talk to anyone who could answer to my questions and request.
Consumer complaint received 2017-01-31
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BROADVIEW MORTGAGE CORPORATION (CA)

Broadview Mortgage company is sending me unsolicited mail encouraging me to refinance one of my properties. I have never done any business with this corporation or any of its affiliates, so I should not be receiving this mail since I never requested their services. The envelop they sent it in does not include any sender address information and the outer face of the envelope states " Notice of Overpayment '' leading me to open the letter because I thought it was about one of my bills. Only when I opened the letter did I realize that this was in fact an unsolicited advertisement. The disclaimer in the letter included an expired CA DBO number ( # XXXX ) so I had to do my own research to get their current and active number ( CA DBO # XXXX & XXXX # XXXX ) and address information. 

I tried to tell the customer service at the provided telephone number in the letter XXXX to completely remove me from their marketing and mailing list, but the representative refused and hung up on me. 

I do n't wish to do any business with this company that engages in such sleazy marketing practices so I request that they stop sending me any more mail or marketing materials.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc. (TX)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

The IRS sent my XXXX Income Tax Refund to my account ( correct account numbers have repeatedly been verified with both the IRS and Bank of America ) with Bank of America via Electronic Direct Deposit in XXXX of XXXX. The IRS has steadily stated throughout their investigation until the end that Bank of America has misplaced my Income Tax Refund. I have encountered several rude and disinterested Bank of America Customer Service Representatives and Managers that have continuously stated that the IRS had never sent the refund, there is nothing further that Bank of America can do about it and that I need to contact the IRS. Other representatives of Bank of America just did not follow through and/or they claimed that their hands were tied. Today in XXXX XXXX, Bank of America still refuses to investigate past what can be seen in front of them on a computer screen, will not escalate my complaint higher up the ladder until issue is resolved and continues to point the finger at the IRS. Bank of America seems to have a lack of communication connection throughout their institution. I have experienced this fact in several instances through this bad situation. My Direct Deposited Income Tax Refunds in the past have always entered my account on the date that the IRS has stated. I have been a customer of Bank of America for many years but I was treated as if I were nobody to them. My Income Tax Refund may be pennies and nothing to Bank of America but it was gold to me, I depended on that money and this has created a negative downward spiral effect in my life and Bank of America has proved that they could care less.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I disputed the accuracy of the payment history and past due amount being reported for my child support. The bureau claims to have verified the validity of the debt. I sent in supporting documents showing that the information being reported is inaccurate. The inaccuracy of the payment history and balance on this account has caused my credit scores to either come to a stand still with XXXX credit bureau and decrease with the others. The documents that I sent came from the courts as well as my check stubs showing the amount of child support being debited from my check weekly. This has caused a serious financial hardship on my credit with potential lenders. I am in the process of getting ready to apply for a mortgage and the inaccuracy of this account is causing my credit scores to decrease. My monthly payment amount is actually {$850.00}. {$190.00} of which is taken out of my check weekly. I will attach the documents sent to the bureau. The child support is listed at other deduction XXXX on my check stub. Looking at the year to date amount and the month of the stub divided by the amount owed, I am up to date with my child support.
Consumer complaint received 2016-07-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Point Financial Corporation (AE)

I was denied a refinance even though the VA explained to the lender that I qualified under intermittent occupancy based on my job being overseas. I was charged {$520.00} for an appraisal and had my credit report run while being assured by the VA and pre-approved by the lender that my loan was standard and fell well within guidelines.
Consumer complaint received 2016-10-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I submitted several loan modifications packets through Chase to save my home, they kept having me resubmit, losing documents and changing my relationship manager several times. I even tried an outside company, only to get scammed out of over {$1000.00}. Keeping in mind my income had increased by {$25000.00} since the initial purchase of the home and they said that my income was not enough to approve the modification. At my wits end, I entered a Chapter XXXX bankruptcy to try to save the home but the structure of the payments were much more overwhelming than a simple loan modification. My spouse and I decided to surrender the home under the protection of the Chapter XXXX process. We did so with the understanding from our bankruptcy attorney that the surrender of the home would be in full satisfaction of the debt and that we would not be charged with a foreclosure. We surrendered the property, which is located in XXXX and moved to XXXX 2 month ago. We had completed all payments to the bankruptcy and was given an order from the court to incur post petition debt to purchase a home. We are now one week from closing ( XXXX XXXX, 2016 ) only to find out that Chase is foreclosing on the Louisiana home and as a result I can not get the VA home loan to complete the purchase. I am submitting this complaint against Chase because I believe that they intentionally kept encouraging then denying my application for modification, subsequently feeling coerced to file bankruptcy to save my home and salvage my credit. I believe that Chase 's modification process at the very least is flawed but at the other end of the spectrum may even be fraudulent. Chase representatives lost paperwork and the constant change of relationship manager made it impossible to establish or maintain continuity of process. The negligent workmanship regarding the process was done with careless and reckless disregard and as a result, has caused me financial and XXXX injury. As a XXXX, XXXX veteran and am appalled at Chase 's lack of candor regarding business practices and they should be held accountable.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX, I disputed a Judgement from XXXX district court for a Judgment from a Utility company. I called the court, and i also showed up in person. I inquired about the verification process to the credit bureaus, as well as the judgement there is no Judgment of any kind against me, or having to pay any judgment. I then mailed Equifax 2 to 3 times giving them the opportunity to correct this entry, Equifax has openly refused and willfully continues to leave derogatory information in my credit report. the negative items are damaging my financial life. I do n't have a lot of files to support this due to Equifax making it a must to correspond/ reply online and the result are only available for 30 days.
Consumer complaint received 2016-11-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

FOCUS FIN ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (TX)

I believe First National Collection Bureau started sending letters to my home around XXXX, 2016 for a debt of XXXX they say I owe. First they are asking me to make XXXX payments of {$340.00}. Then, they are asking me to make XXXX payment of {$86.00}. Around the same time, I started receiving numerous phone calls saying nothing or asking me to stay on the line. I hung up every time I received XXXX of these calls because I thought it was someone trying to sell something.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I am filing a complaint because I have contacted Experian and XXXX in writing, detailing fraudulent activity on my credit report. I have ask XXXX to verify this fraudulent mortgage account showing on my credit report. After requesting in writing and also talking to XXXX, I was told they do not have any documents ( Loan origination or Foreclosure filings ) on this account. I have additionally visited/contacted the XXXX XXXX courts system and they have no documentation of this foreclosure or any foreclosure with my name in their system. I have contacted Experian to request an investigation to no avail. 
Chapter XXXX of XXXX XXXX XXXX XXXX states that creditor are required by law to produce documents pertaining to a foreclosed mortgage account within 30 days of receiving a qualified letter in writing. I have requested in writing twice with no response. I request Experian promptly delete all information which can not be verified. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I need to file a complaint against Experian for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by Experian, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late XX/XX/XXXX or XX/XX/XXXX as Experian is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX Bankruptcy
Consumer complaint received 2017-01-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (FL)

My credit/debit card expired in XXXX 2016. I verified an address but made clear mail is to go to XXXX XXXX XXXX Never received card. Called. XXXX, a supervisor refused to send to XXXX XXXX XXXX XXXX, the original agent claimed XXXX did n't allow. That is a false statement. XXXX claimed he could n't as their policy. So, different answers/reasons, which tells me no one is telling the truth and rather is unwilling to resolve the problem. 
I noted nothing comes to house all goes to XXXX XXXX XXXX esp. due to " events '' such as car races, bike weeks, etc. Too much stolen mail in our area. I needed to go to XXXX XXXX XXXX Refused, wanted a physical address and refused using the XXXX XXXX 's physical address where I am allowed to receive general mail or my XXXX XXXX XXXX Thus, they 'd rather harm my credit by demanding send to physical address rather than a locked XXXX XXXX XXXX the XXXX XXXX XXXX. 
Further, XXXX refused to grant me discussion with his manager, XXXX. XXXX Stated had to write legal department to further escalate. I asked for manager and was refused no less than 10 times. He also stated he 'd not be informing XXXX of my request for a call from her. This was multiple times as well. In his attempts to force his way, he did not de-escalate or resolve the situation. Multiple times I asked how they resolve a situation for people in my situation. He stated they did not resolve the predicaments and there is no other resolution. Basically, his way or the highway. 
I asked what happened to people who live XXXX and only have a XXXX XXXX XXXX He claimed they could n't have credit/debit cards. I call this discrimination. They are failing to service people and businesses of whom they 've verified - I had to prove my Fictitious name, I had to prove my identity, SSN when I set up my account and so on. All my other vendors and creditors use my XXXX XXXX including credit and debit card, car loans, etc. 
XXXX also stated they had no procedures or policy in place for people in my situation who needed to use the XXXX XXXX XXXX Thus, they have no ability to meet the " mailing '' requirement as part of communication mandate to a client/customer. 
Also of concern are issues from past calls last fall when I 'd get agents in the XXXX who refused to transfer calls to the XXXX when requested. They stated they could n't do so. This is blatantly wrong. Not to mention any and all credit card/debit card discussion takes place in the XXXX call centers per PayPal 's XXXX policies. Several of those calls were related to credit card/debit card issues, other calls were not. 
Wasting time writing legal teams should not be the only answer to obtain an current credit/debit card. People and or Businesses should not be discriminated because they have a XXXX XXXX XXXX Manager discussions should not be refused.