davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, CA because of a XXXX credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my XXXX XXXX account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, Va but a XXXX XXXX XXXX XXXX. XXXX in XXXX, CA. They send me letters of my payments and balance with a bar code and a reference number and with t he Portfolio Recovery Associates , LLC on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the XXXX address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in Texas XXXX and I have been getting calls everyday. They even have a spoof CA area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in Texas she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a XXXX in XXXX, CA. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this XXXX address. Thank you.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

A refinance was done multiple times in XX/XX/XXXX the owner being a XXXX man with a set income since XX/XX/XXXX was preyed upon and given a refinance over and above his income capabilities. We have modified this loan 3xs with XXXX and once again recently with Caliber Home Loans. Only to find out in the fine print its modified to a interest only loan. Nothing is ever disclosed to us. We were struggling and a post card was sent to us that we had a law suit with XXXX and needed to hire XXXX out in XXXX XXXX. We stopped our payments to XXXX it cost {$5000.00}. up front and XXXX a month for on going legal fees only to be told in order to get our modification we had to release XXXX from its obligations We now are paying a trial payment to Caliber and received nothing from the law suit nor the Real Estate law Center.
Consumer complaint received 2015-07-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Last week we settled a debt with the law firm, Weltman , Weinberg & Reis Co., L.P.A. They represented XXXX in a repossession of a car. They told us we had to pay a minimum of {$2000.00} to get the hold taken off of the bank account I have with my husband. We paid {$7000.00} and they were willing to call the debt paid since that was the bulk of the debt. They told us all holds would be taken off and they would handle the legal work. We asked for documentation that the debt had been paid and that we would n't be bothered by them again. It has been a week later and the hold on our bank account has not been taken off and we have received no documentation that the debt has been paid. We want this finished. Please help us.
Consumer complaint received 2015-12-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

i gave a rep XXXX who told me i would be able to get XXXX of equity out of the house when i closed. i did not get the money and was told rental income was reported on my mortgage without any signed leases that i am aware with.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MI)

Over a year ago my mortgage was transferred from XXXX to Caliber Home Loans. It was a very tumultuous time period because I 'd filed for bankruptcy BUT my home was NOT included and I always paid as agreed. Apparently, per Caliber Home Loans over 2 years ago XXXX XXXX XX/XX/2012 XXXX they said that I did n't make a payment, which is not true because my payments were made automatically using automatic bill pay set up with my credit union. My credit union shows the payment made per the history provided. As of recently, I am receiving mortgage statements equating to the missed payments plus late fees that they just tacked onto my account. Everytime I call Caliber loans, I speak with a different representative who provide a different story regarding my account and want me to agree to pay the late charges when I was never late. Also, prior to this discovery, they were not reporting on my credit report and NOW they want to report derogatory information which absolutely not true. Please provide the necessary assistance I need because I will not pay XXXX for payments Caliber say I missed in XXXX XX/XX/2012 to XXXX. I 've always paid my mortgage.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc. (WA)

I called Renton Collections bc I saw a negative reporting on my credit report. After being placed on hold and transferred numerous times, a gentlemen told me what it was for. He said he couldn't accept my XXXX month minimum payment and they do not offer settlements. So he said he needed to transfer me to another person that I could talk to. This persons name is XXXX. She immediately asked why I was calling her and I told her I was transferred to set up a payment plan. She then told me XXXX/month. I told her that I'm unable to pay that much at the time and she started yelling at me saying obscene names. She said that it wasn't her XXXX problem that I couldn't pay it and what a loser I was. I asked what her XXXX name was and she said that it was none of my XXXX business. I then asked to speak to her boss and she said was the boss. So I asked if I could speak to someone above her. She said she was the boss and that my broke XXXX needs to pay the bill or shes threating garnishment today. I said what if I file bankruptcy? She said not if I beat you XXXX and hung up the phone. Ive never been treated so horribly to try and pay a bill!
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (MD)

I was granted a back-dated forbearance including the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, where payments were listed as late, however, my account notes that the account was in a forbearance for those months. I wrote letters to XXXX and XXXX, who in turn contacted My Great Lakes, however, I 've never received anything from the account servicer stating otherwise. I called them as well and the issue was not able to be resolved. I would like the late payment information from those months deleted from XXXX and XXXX and any other data repository. I have copies of the letters sent, and I have never received correspondence from My Great Lakes. ( XXXX )
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (WI)

I have been behind on my vehicle payments a couple of months and trying to make arrangements. I explained my situation of switching jobs and being a victim of XXXX which led to a custody battle that led to me having to come out of pocket for attorney fees. I advised a representative I could not follow through with the arrangement at the end of the month as my rent is due which is first priority, he asked me was I behind on my rent by 60 days and I could not afford to not follow through the arrangement and make the payment I agreed to pay 48 hours before the payment was to be drafted. They failed to cancel the payment from my account which is going to result in a non-suffient funds fee.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: BBVA FINANCIAL CORPORATION (TX)

I applied for a line of credit with my bank compass bbva i have a security freeze as well as a fraud statement on my report. I received a letter saying i was declined because of the statement. I called was told to visit a branch. I did that at which point the branch manger called me back told me i would ned to run my credit again i said no I was told t bring this info he then decided he should scold me and hung up the phone.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

EQUIFAX has caused my file to include mixed information and refuses to properly amend it in a timely manner. Their report shows only two addresses, and both are outdatedthe most recent is over 6 months old. The current address of XXXX XXXX XXXX XXXX XXXX previously and correctly appeared on my Equifax report. It is now missing, and I did not make that change. My creditors correctly report my current address to XXXX  and XXXX, as they did with Equifax. 

I have called Equifax twice. They can not authenticate my identity via their primary system, and I am forced to endure a lengthy process with each call JUST so they can file an IT ticket or help in anyway : they refuse to help in any way until Im fully verified. 

Equifax has refused to provide a fax number or electronic means ( web form, etc. ) to expedite resolution ( adding my XXXX address ), and they continue harming me by forcing me to mail documents to them. The delay is harming me because I can not access credit or credit monitoring, among other. The requirement for physical mail is not acceptable, especially since Equifax is entirely responsible for this problem.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. My working E-mail is XXXX Sincerely, XXXX XXXX
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I 've been robbed, and my home has been broken into. All of my Identification was stolen. I sent the police reports to the credit reporting agencies to make them aware of the matter. Also, I got on the court docket to inform the court system as well. The judge ordered that these fraudulent trade lines be removed from my credit report, due to identity theft.I submitted a copy of this document to them as well. I 've disputed a judgment, someone wrote a check from my checking account with out my knowledge or consent, at XXXX XXXX XXXX, account number # XXXX. I 'm on my fourth round of thirty day of the dispute process. The supervisor called the court to verify the court document, I submitted, to make sure it was a true document signed by the judge. He indicated to me, that he would take this item off my report, if he could verify the document, and he did. But, as of to date, this item still remains on my credit report. The credit reporting agency " Experian Credit Reporting Agency '' has on file which has been verified from the circuit county courts that this item dose not belongs ' to me, and still they refuse to remove the item from my credit report.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

EXPERIAN Investigation Results XXXX XXXX : XXXX Student Loans Credit Reporting CFPB Complaint Number XXXX Dear CFPB and Federal Reserve : Per results of the investigation initiated via CFPB web portal. The results of EXPERIAN investigation concluded nothing and response was not provided with CFPB complaint number. 
EXPERIAN continues ongoing disrespect and disregard for the Fair Credit Reporting Act, consumer protection, CFPB regulation of consumer reports, examination and compliance. 

Due to EXPERIAN willful non compliance. The CFPB dispute resolution process was not fulfilled. 
EXPERIAN may lose XXXX dollars as a result of continued non compliance and boycott of this agency by consumer creditors.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NV)

I responded to an email from Wells Fargo to refinance my home mortgage. The email stated how easy it would be since I was already a Wells Fargo customer. Wells Fargo purchased my mortgage last XXXX. I spoke with a mortgage specialist. He obtained my credit report. After going over my credit report he said there looked to be no problems, that we needed to proceed, and we should close in approximately XXXX days. He said we needed to order an appraisal of the house and said there would be a {$500.00} fee for that and I needed to pay it immediately. I paid the {$500.00} ; the appraisal was performed by a Wells Fargo employee. Then I heard nothing. The mortgage specialist then said the underwriter was looking at a short sale I was involved with in 2011 when I sold my home in XXXX, Michigan. He said the underwriter wanted proof the house was sold. I submitted the requested documents. Again a period of silence, I inquired about the status of the loan and was told Wells Fargo was rejecting the loan application since XXXX years had not passed since the short sale. The XXXX year anniversary will be XXXX XXXX. However, Wells Fargo purchased my mortgage last year when I was only XXXX years removed from the short sale. I fail to understand how I was a good credit risk a year ago, but I am unqualified now. I have never been late or missed a payment ; my income-to-debt ratio is the lowest it has ever been ; the loan-to-value is 52.32 %. Wells Fargo faced very little risk if they made this loan. 
My grievance is that the mortgage specialist had my credit report. The credit report shows the negative short sale of 2011. He stated that everything looked good and we needed to proceed. If there was a question of my creditworthiness there was no need to rush ahead with ordering the appraisal. My creditworthiness should have been ascertained prior to ordering the appraisal. It was nothing short of a money grab by Wells Fargo.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (SC)

XXXX reported to Equifax Credit Report on the following dates to obtain information for a hard inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Consumer complaint received 2015-06-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XX/XX/XXXX our second mortgage line of credit from XXXX Bank was cut off due to none payment of a credit card bill to Bank of America. I had no charges, statements, or activity on that account that I was aware of. I have always had an excellent credit score and I did not realize this thing would be with me for seven years, so I just simply paid it without a dispute. I now know, dispute these things! I contacted Bank of America regarding the {$63.00} they said I owed them. I told them that I had no bank statement saying that I owed them, they had not called me on this matter, ever. In response to this, they told me I went paperless in XX/XX/XXXX. This is not true, I have paper statements dated after XX/XX/XXXX from them. Also, they have no email address from me, how can one go paperless without my email address? They actually tried to trick me into giving it to them, not once, but twice. They said the only way to clear this, was to pay it, so I did. I now know that I could have disputed the charge and it would not have effected my credit rating. First I was never given a bill, then I was lied too, and worse of all my credit rating was effected.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

My name is XXXX XXXX and I am XXXX years old and have a mortgage that is in foreclosure going up for sale in XXXX 2015. I have had my mortgage for eight years and my principal balance is {$220000.00} and my home is only worth now estimate {$120000.00}. My mortgage payment is {$1700.00} per month and I have suffered a lost in income since that time. I have been trying to work with my lender Wells Fargo to reduce my mortgage payment to a monthly payment I can afford to avoid loosing my property. Since that time my husband has passed and the income I was receiving at the time I purchase my home has decreased. I have paid already {$190000.00} towards ownership and I still owe {$220000.00} on my property that is only worth {$120000.00}. I have tried working with the lender to avoid foreclosure and to faithfully start making mortgage payments again to avoid loosing my property and have not come to a resolution to saving my home. My loan is a conventional loan with PMI Mortgage Insurance. Please assist.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (ID)

I was divorced in XX/XX/2013 and went to living on a single income where I could not afford my student loan payments. I went through deferments because I was not allowed the income based repayment plan. I contacted Navient more times than I can count to try and figure some sort of repayment plan out.
Consumer complaint received 2015-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Mortgage is punishing us for reporting them to HUD for not following FHA guidelines. We were XXXX out of our home, a XXXX, and did not make our full payments for 9 months while the house was repaired. HUD / FHA guidelines state that mortgage companies should not report for 12 months after a XXXX when the borrower is paying as agreed. We had an FHA mortgage with Wells Fargo. We learned too late that FHA and HUD protects XXXX victims. Our congressman intervened and HUD told Wells to follow guidelines, but we had entered into a contract to sell the home. If they had done the job correctly and offered the options up front, which would have allowed us to keep our home, they would not be able to report the late payments. HUD can not help because we sold the home to avoid foreclosure ( we did not refinance under disaster guidelines because we did n't know of them ). Wells Fargo Mortgage refuses to stop reporting despite knowing they did not initially follow HUD / FHA guidelines. It is obviously punitive for the complaint to HUD. We lost tens of thousands of dollars of property in the flood and were left homeless for a period of time. We had nothing except the clothes we were wearing when we were evacuated. From forks to pillows to underwear, etc, we 've had to replace everything and it 's been hell. Well Fargo Mortgage does not care. It is actually XXXX specific individuals in the mortgage servicing area that continue to not follow FHA guidelines. They must have the account noted ; no matter what method we use to voice a complaint, all contact associated with our mortgage ends up with XXXX of them. We at first thought that the reason they continued to justify the negative reporting was because we complained to HUD, but after speaking with each on the phone it is obvious from their statements that it is because we 're a XXXX couple. HUD guidelines specifically state that there should not be any reporting for a twelve month period after a national disaster, but these XXXX individuals continue to come up with any reason they can because they are XXXX. I question whether the culture at Wells Fargo Mortgage in general is XXXX or just this department, but I seriously recommend any XXXX couple think twice before doing business with Wells Fargo Mortgage.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NH)

I am unemployed ( again ) - and have used all of my forbarance and deferment time because this is my third time being laid off in ten years. When I call Navient for help, they say there is nothing that can be done.
Consumer complaint received 2015-03-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

XXXX/XXXX/XX/XX/XXXX In XXXX of XX/XX/XXXX my wife passed away, she was a major financial contributor. We had to boys XXXX and XXXX. XXXX was XXXX months from XXXX an expensive private high school. XXXX was XXXX going to college in XXXX XXXX. I 'm a Florida XXXX with XXXX XXXX County. While doing a job at XXXX XXXX XXXX I received notification that I had been suspended from the contract for alleged breach of contract. This was untrue but it took me approximately six months to convince the county of this, I suffered the losses. The very next project after this was a job with XXXX XXXX XXXX and XXXX. I received notification from them that my contract had been " terminated for cause ''. Again not so. It took me three years of litigation to collect money due and payable. So this is when I opted for the Pick A Payment Mortgage. 
After the problems with XXXX XXXX XXXX I decided to seek and contract with private owners only, This was working out right up until real estate bust and should add caused in total by the banking industry. 
I have scanned and downloaded the mortgage documents. The XXXX issue is they do n't have my name collect, the XXXX issue is they do n't have my Social Security number right and when I call them to try to work something out they refuse to talk to me. The XXXX issue is that when this mess began happening I hired an attorney, with the intent of being granted a loan modification. The last telephone conversation I had with him I was told that Wells Fargo refused to modify the loan. Recently I am told when a bank refuses to modify they must provide a reason. I was never given this. At this time the property scheduled for sale on XXXX XXXXXX/XX/XXXX.