davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: The J. G. Wentworth Company (VA)

I received a telephone call from a representative from J. G. Wentworth Mortgage Co. on XX/XX/2016. He asked my questions about the homes that I have been looking at. I told him that the price was {$170000.00}. He asked how much my Social Security XXXX annual salary was. I told him that it was {$17000.00}. He asked was this all my income and I said yes. He did some calculation and told me that I do n't have enough income to purchase a home. I asked him was that true for FHA and USDA. He said that my payments could not be more than {$600.00}. He told me that the most I will be able to borrow will be {$75000.00} or less.
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation (CA)

Ceo of XXXX XXXX XXXX XXXX XXXX. You must prove you have a contract with me as trustee or collections, and any other transaction, which you ca n't. .XXXX. XXXX i have no account at your bank, and all other is private. XXXX is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in XXXX with armed forces police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. XXXX needs to prove who the Attorney is and XXXX XXXX, and Quality Loan Service and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with XXXX 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. XXXX XXXX will be coming out for your XXXX. someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I contacted the banks Claims Team to file a complaint against a merchant. Once the claim process was complete and the bank agreed with the merchant I was shock in disbelief due to the decision was not based on facts. I expressed my concerns to the banks highest level of customer service and other branch management members. I also explained and told the bank that the merchant will and have resolved ( returned my over payment ) resolved this issue. Instead of the management team taking this experience and using it as a training tool, they ultimately called my work number and told me my account would be closed due to me filing over XXXX claims in over 11 years with various merchants. This was never an issue and was never brought to may attention until I complained about the unprofessional behavior of a few employees. The employee responsible for all of this negative interaction left a personal voicemail on my workplace phone detailing how he intended to close my account. As a result I have had several NSF check/electronic transactions returned unpaid. Retalliation is not the way to treat customers.I have all the names and contact number for all the employees involved. When I asked for a higher authority at the corporate level my request was denied and the now new manager of customer service said she as their to protect the regional designee from harm. I did n't understand this position.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America said i qualified for certain programs. Then in the next paragraph i was told i didnt qualify for those programs. I asked what payment i should make toward my mortgage. I was never told, i never got a call back. I have done everything Bank of America has told me to do. Yet, they lied to me and proceeded to take action against me. Now, they have been sued for XXXX dollars i get a call stating they wanted to send me an application for a modification. Only, i cant get in contact with no one. I leave several messages and no one will call be back. I have not received the application in the mail and its been over a week. It is going on two weeks. I called again today and got nowhere. I would like to know what is going on. This is my house Bank of America has tried to steal from me. Although, they have been sued. They are still playing games. I can pay my loan modification so i dont understand the question. Thats what one of the problems i have with Bank of America. They lied about my modification
Consumer complaint received 2017-09-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (NV)

Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.
Consumer complaint received 2017-10-19
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: Experian Information Solutions Inc. (MA)

A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date. Experian has been provided with XXXX report reflecting corrected information in response to identity theft.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

About 3 months ago I applied for a personal loan with XXXX XXXX XXXX XXXX to pay off my Mother 's car loan she has with XXXX XXXXl for her XXXX XXXX XXXX. [ I did have a loan with XXXX XXXX, it was for a XXXX XXXX XXXX with account # XXXX ]. This loan was co-signed with my mother XXXX XXXX. She was going to trade in the XXXX XXXX & get herself a new car, but I decided to trade in the XXXX XXXX instead & purchased a new vehicle by myself. This was in late XXXX. About a week ago, I received a statement from XXXX XXXX with limited information. It stated that I owed them {$500.00} dollars & that my loan was subject to go to collections & this would affect my credit rating. My initial call was to XXXX the Sales person, who assured me that my car was completely paid off & did not know what was going on. At this point I was worried about the bad rating this would have on my credit so I called my Mom & asked her to help me find out what was going on. ( I initially thought it was a negative balance for the XXXX XXXX I just traded in ). When my mom reviewed the statement she noticed it was a different account number from my previous & only loan with XXXX XXXX. My Mom called XXXX XXXX on XXXX/XXXX/XXXX @ XXXX XXXX & spoke to XXXX in the customer relations dpt. XXXX advised my Mom that she was not on the loan she was pulling up. My mom told her that she was the co-signer on the loan & wanted information about the statement we had received. My mom also advised XXXX that it was the wrong account number & perhaps XXXX XXXX had made a mistake about the balance of {$500.00} we still had. XXXX asked my Mom if she was calling regarding the loan for a XXXX XXXX XXXX. When my mom heard the description of the vehicle she then told XXXX that the XXXX was her car & she still had a loan with XXXX XXXX. At that point XXXX told my Mom she was unable to give her any more information & she had to transfer the call to the Accounting Dpt. but not before my mom conference me in to the call. When we reached the accounting dpt we spoke to XXXX. I verified my information one more time & gave authorization for my Mom to talk to XXXX & discuss the account. When everyone was on the same page my Mom asked XXXX if she can tell us who signed the check or any credit application? We explained to her that I never picked up the check or signed anything documents authorizing the loan. At this point XXXX stated that we were going to be put on a 10-15 minute hold so that she can review all notes. My mom was at work & asked XXXX to please call us back because she was at work & I was getting ready to go to work. XXXX told us that they do not call out ever & if we wanted any further information we would have to call them back at another time. This is the last time we had any contact with XXXX XXXX.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NM)

I am recently divorced. The accounts at the Wells Fargo Bank on XXXX XXXX, NM were awarded to me by Court Order. Initially I went into the Bank Office there & was told that if my Ex-wife is removed from the account I MUST start a new account with fees etc. Since I have important direct deposits on my checking account, I did not want to do this. My Ex-wife, just to mess with me, came into that Branch Office. She showed the Bank Officer the Marital Agreement which plainly states that these accounts go to me. The Bank 's argument is that because they do NOT have a separate Court Order specifically addressed to them, this Court Order is not binding! So, on XX/XX/2017, my Ex-wife was allowed to close out my accounts & get the funds from those accounts! Fortunately, my Ex-wife is not stupid ( just nasty ). She then took those funds & made them into cashier checks made out to me. However, over that weekend I find my accounts empty & closed out & my debit card canceled! It turns out that the decision to cancel an account & make the owner start a new account is at the Bank Office Manager 's discretion! I did get back my accounts on XX/XX/2017 & let it be known that I expected no charges for doing so! My concerns are twofold : 1. Customer 's have rights also. I was categorically told initially that there was no way that I could keep my account. Yet, the reality is that I could but the Branch Manager did not want that because then they then can not charge you fees for a new account! Once again Wells Fargo Bank has found a way to rip off their customers. The customer 's should be given a choice of keeping the old account or setting up a new account. This choice was never presented to me until I raised XXXX on XX/XX/2017. 
Second, I find it incredulous that a Bank Officer after reading the Divorce Agreement signed by the Judge, decided that it was NOT binding! Then that Bank Officer allowed my Ex-wife to close out my accounts & get the cash funds from those accounts. All of this without my authorization!. Had my Ex-wife decided to keep those funds, she would have been legally guilty of stealing from me & the Wells Fargo Bank would have been an accessory to the crime! My attorneys assure me that the Judge 's Order on the Agreement is binding, despite the Bank Officer telling me it was not. 
It is clear to me that Wells Fargo Bank has been ripping off their customers ( what a surprise! ) with their arbitrary policy of making the customer 's close out their accounts when they did NOT have to. Then they charge the customer for opening a new account! 
It is absolutely mind boggling that the Bank XXXX would allow my Ex-wife to close out my account & get those funds, despite having seen the signed Court Order. Their argument that a Court Order is NOT binding unless it is separately made out to Wells Fargo Bank is specious & I doubt will hold up in a Court! 
As a final note, I wonder just how many customers, having gone through a divorce, then were ripped off by the Wells fargo Bank?
Consumer complaint received 2017-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC (TX)

Today, XXXX/XXXX/XXXX I was looking at my credit and noticed that ATG Credit filed a potential harmful credit report against me. I called the XXXX XXXX to dispute this issue immediately. I told them I do not know this company, I have never received any statement, request, no correspondence from them about this claim and it is not mine. I then called the company and they were very nasty to me on the phone. They had the wrong address, but they had the right name. After a short conversation they hung up on me. They have hurt my XXXX XXXX from XXXX to XXXX score. They never sent me XXXX correspondence related to this supposed debt. I would have never known about this issue if I did not check my credit online. I can not attach any documents nor give any other information because I have none.
Consumer complaint received 2016-09-23
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK of AMERICA was sent via certified mail a notice of dispute on XX/XX/2016, a second notice to validate and verify the allege debt was sent XX/XX/2016, and a third notice to validate and verify an allege debt was sent XX/XX/XXXX. Pursuant FDCPA cease desist all collection activities pending validation and verification of alleged debt owed. Instead of Bank of America abiding and complying with federal regulations they have taken legal actions by contracting with XXXX, XXXX, and XXXX and have conspired fraud upon i and the courts by filing forged documents, counterfeit security instruments, and demanding payment for an alleged debt i do not owe. Bank of America does not have legal standing and they have admitted to me the allege debt was never recorded.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (DE)

I filed a dispute with the Army & Air Force Exchange Service regarding the date I opened my account. I asked for a copy of my application, but they ignored my request for a copy of my application. They stated that the delinquency was correct and I am disputing that the dispute date is incorrect and the date that I opened my account is incorrect. That is why I am requesting a copy of my application. Please see page 20 for the dispute information.
Consumer complaint received 2016-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please note I am seeking the assistance by the CFPB regarding a real estate fraud transaction pertaining to my primary residence. I have attached the deed of trust for each transaction I am contesting. I began to suspect fraud in XXXX after receiving mortgage statements from Bank of America for a loan in the amount of {$150000.00}. 
I never had a reason to believe I owed a mortgage since my property was paid off in XXXX ; here is the recorded document with the County Recorder 's Office of XXXX XXXX : DOC # XXXX However since my own investigation and unsuccessful attempt to have Bank of America assist me with my complaints in XXXX, I began checking the title of my property. I began to pull all the grant deeds with the county recorder 's office and went so far as to track the notary publics to determine who signed on my behalf. I was determined to identify the individual who had cashed out on my home and since than I am seeking the assistance of the District Attorney to validate the following transactions that I did not solicit : DOC # XXXX XXXX {$88000.00} DOC # XXXX XXXX {$90000.00} DOC # XXXX CountryWide {$50000.00} ( home equity line of credit ) DOC # XXXX XXXX XXXX XXXX {$70000.00} ( home equity line of credit ) DOC # XXXX Bank of America ( FHA LOAN ) {$150000.00} I have been making payments on the Bank of America/ FHA loan in fear that I may lose my home regardless if I did not acquire that loan. I just want to get to the bottom of this and fix this fraudulent situation immediately. I apologize if I can not provide specific dates, descriptions of the transactions or individuals since I am declaring the above transactions were completed without my consent or my presence. 
You may reach me at ( XXXX ) XXXX. 
Kindest Regards, XXXX XXXX XXXX
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

Discover card got me stiffed for over {$1700.00} My wife bought an airline ticket round trip from a thief travel agency She bought it ahead of time The agent issue a ticket and after the traveling date he cancelled the return ticket and sold it to someone else. He did that with more than ten people as she learned from the airline. She had XXXX coming back she had to delay her return 2 days and bought new ticket at the peak of the season one way was even more than the round trip. We had to dispute the charge I uploaded 36 Documents showing what that thief was playing around with a confirmed return tickets as a proof all what they did in the investigation that they asked the thief for a copy of the transaction I closed the account after being with them for 21 years we will stop taking Discover card into our business. She will close her account Once she 'll get the OK from The lawyer. By the way the other people that were scammed got their money back. 

Not recommended XXXX XXXX and XXXX are better
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (MI)

I used to have a XXXX account, and I left XXXX because my bills were always over XXXX a month just for XXXX phone lines. XXXX XXXX, XXXX I went o XXXX and signed up with XXXX. I understood I had a balance due with XXXX and I tried many time to make arrangements with XXXX to continue t pay XXXX a month until this bill is paid off because as of now that is all I could afford. XXXX itself kept not corporating with me, and on XXXX XXXX, I started receiving calls from a XXXX person saying they are a partner with XXXX and want to collect a debt, I explained my situation to them explaining I am not working right now I am recoving from a XXXX and I can XXXX  between XXXX and XXXX a moth. they said if I want to return to XXXX I had to pa XXXX a month, I explained to them again, I can not XXXX this so I will not be returning to XXXX. the person I spoke with was XXXX who said she can set up arrangements and on XXXX XXXX, I paid XXXX to the XXXX PARTNERS OF XXXX. today, XXXX, I received a call from a gentleman from XXXX stating I had to make payments of XXXX. I said I had arrangements set up for the XXXX of every month to pa XXXX or XXXX he said well those are no longer good arrangements and I am only going to accept XXXX or more with new arrangements. that is against the law and I am not going to keep being harassed every day 5 times a day by this company. if I continue to stay under stress the next XXXX will kill me my doctor said. and it is very easy now for me to have another XXXX since I just had XXXX. I thought it was against the law for a company to do this to a consumer. I thought as long as a consumer makes payments a company can not do anything to them or put nasty negative things on their credit report. I want this matter handled immediately.
Consumer complaint received 2017-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

This is my 2nd complaint in regards to this collection. The original complaint : XXXX, concluded that Collection Information Bureau , Inc. will resend account statement of collection. I contacted the company requesting the ORIGINAL invoice document. I was informed that the original amount was {$25.00} plus accumulated interest and the documents had been sent some time between XXXX/XXXX/XXXX to date. I advised that I DID NOT receive any documents until XXXX/XXXX/XXXX as a result of completing a credit check and noticing said account indicated as collections on my credit report with one credit bureau and not the others. The employee arrogantly informed me that notices were sent in the past ; however was unable to provide specific dates of when notices were sent out to me. She arrogantly stated, " We are not going to keep sending letters! '' I asked if the document was sent via certified mail and the employee responded that mail is not sent certified from their company. She also informed me to send a money order to the address listed and then I will receive an invoice receipt. I refuse to send a payment to an organization that has failed to provide the ORIGINAL invoice that is not dated 5 years later or the originating proof of said account, as this is my right as a consumer. I am requesting original documentation from doctor indicating amount, as I have always had health insurance and doctor 's offices do not render services unless co-payment is paid first, as well as proof of date the notice was sent. I also noticed that this collection agency had an incorrect mailing address on the summary of account that was just mailed to me after I submitted the original dispute. During my telephone contact today ( XXXX/XXXX/XXXX ) is when my address was corrected.