davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-23
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC (GA)

Monterey Collections Services representative XXXX XXXX has been contacting me about a debt. She calls me and if I do n't answer she immediately sends me an email. The debt charged off on XXXX with a balance of {$5800.00} as of today the balance is {$9000.00}. The debt in question has also been reported on my credit report for the past 6 months as an open account and is listed as with a one month term. If the account is open then it should not be in collections and should not have been listed negative on my credit report. Monterey Collection Services has XXXX negative accounts listed on my credit report. I have been denied credit due to this negative account. I do not have an agreement with this 3rd party collector. The collector has been very aggressive in their collection attempts as well as using deceptive and abusive collection practices. The Rep continues to use my credit report status in attempts to get me to pay this debt. She emailed me on XX/XX/XXXX talking about how the negative account will continue to be reported as an open account. She also stated how the negative item will impact my borrowing power and interest rates in future. The Fair Credit Reporting Act states that the a collector can not attempt to collect more than original amount on a debt. The Act also states that all information in my credit file must be 100 % accurate if not the item must be deleted immediately. This account shows as a joint account with my wife 's name listed as joint responsibility which is also incorrect. My wife never provided any of her personal information for this account. They have also called her personal cell number in attempts to collect this debt. I am requesting that this negative item be removed from each of my credit reports and that the collector cease all communication with me and my wife.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank, as the credit card provider for XXXX stores, employs deceptive and unfair practices with an add-on product on their credit card ( card security ). Upon the opening of my account, I noticed an {$85.00} fee on my account - outside the promotional 48 month financing I had taken advantage of with the store when I made a large purchase of furniture. When I called and inquired about the fee, I was told it was an optional product and that I had selected it when I signed up. I signed up online within the store and do no recall selecting any feature that required additional fees. Synchrony Bank representatives stated that the check box was in the middle of the application to sign up for the add-on product. The application should be reviewed as I believe that Synchrony Bank is employing a deceptive practice to hide this add-on product and it is not clear that the add-on product needs to be " de-selected '' while filling out the application and it is not clearly labeled on the application. Furthermore, I have now called the credit card company over 5 times to have the fees removed. The first time I called and complained, representatives stated that I must call another number and line to discuss the product and talk about getting the fees waived and the add-on product removed. I believe that this is an unfair practice as Synchrony bank has put in additional hurdles to have the fees removed. When I called the line that was provided, the representative ( of what I assume is a third party company ), stated that the fee was waived in full ( {$85.00} ). I checked my balance on the XXXX of XXXX and discovered that another {$2.00} fee was on the account randomly and when I called Synchrony Bank yet again they stated the fee was for the " card security program ''. I informed the company that they should make a note that I was complaining to the appropriate regulator as they continue to try to charge fees for a worthless product that was added to my account through deception.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have XXXX unsecured credit card accounts with Capital One Bank. In XXXX 2015, I applied for a credit limit increase and was denied for arbitrary and unfair reasons. The explanation given was the following : ( 1 ) Too many missed payments on other monthly accounts. 
First, I do not have ANY missed payments or collection accounts reporting on either of my credit reports. Secondly, and to justify the denial, Capital One Bank stated that my credit utilization rate was too high. My credit utilization rate may be higher than 30 percent, however this has nothing to do with my ability to repay my accounts on time each month. 
As a matter of practice, credit card issuers make their money off credit account holders such as myself ; That is those who routinely carry a balance. Therefore, the reasons for denying the credit limit increase have nothing to do with my ability to pay my bill on time. Also, the request was made almost 6 months ago and I currently have a higher credit score than I did at that time, however still am not eligible for a higher credit limit. 
I also believe that due to the number of CFPB complaints made against Capital One Bank, I am being denied credit with the bank.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

AFNI , INC is a debt collector that is attempting to collect a debt that is not mine. AFNI , INC has purchased the debt from another debt collector XXXX XXXX XXXX XXXX XXXX I have never given any information to or signed any contracts with AFNI, INC. AFNI , INC inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I applied for a Home Affordable Modification Program ( HAMP ) loan with my loan holder, Wells Fargo. I was informed after submitting my documentation that the process would take thirty days ( 30 ). It took over sixty. I had XXXX conversations with the underwriter and despite these conversations and supporting documents, my income was significantly understated by Wells Fargo and my debts were overstated ; my {$50.00} annual HOA fee was increased to {$97.00} monthly and I had multiple points of contact. As a result I was told I did not qualify and I was not eligible for HAMP1 or 2 Step loan or 40 year term. The process is not transparent and no alternatives were offered.
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ERC (MI)

I am receiving phone calls from ERC from their XXXX phone number as early as XXXX in the morning. I have called them multiple times asking them not to call me that early as it is outside of the XXXX and XXXX time they are legally allowed to call and they say " we do not call before XXXX '' and keep calling me early in the morning. I have proof of their calls before XXXX and would be happy to provide it to your agency.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

A modification package was sent to Wells Fargo. They reviewed the file and employee XXXX ID XXXX confirmed the file is complete, but that they are not able to continue to review the file as they got it 7 days prior to the scheduled sale date. She claimed they needed the package " 8 days '' prior to the sale date. I asked for a supervisor to confirm that info and she placed me on hold and staed no one was available, that she can have one call me back in 48 hours. 
Our office contacted Wells Fargo Executive office and spoke with XXXX XXXX XXXX. We explained the issue sand he stated he will open an escalated case. 
The issues with Wells Fargo is that they are dual tracking. They received the file. They reviewed the file. They determined the file was completed. Then Wells Fargo stated they will not review due to a foreclosure sale date. Please review HAMP Handbook 4.0 Chapter V Protections against Unnecessary Foreclosure states the following:3.4.1 Suspension of Referral to Foreclosure A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section 3.4.2 ) unless and until the servicer has resolved the Escalated Case in accordance with Section 3.3. 
3.4.2 Suspension of Scheduled Foreclosure Sale When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. Servicers are not required to suspend a foreclosure sale when an Escalated Case is received after the Deadline. The servicer will not be in violation of this Section to the extent that a court with jurisdiction over the foreclosure proceeding ( if any ), or the bankruptcy court in a bankruptcy case, or the public official charged with carrying out the activity or event, fails or refuses to halt the sale after the servicer has made reasonable efforts to move the court or request the public official for a cessation of the sale. The servicer must document in the servicing system and/or mortgage file if the foregoing exception to the requirement to suspend an existing foreclosure sale is applicable. If an Escalated Case is pending at the time of a foreclosure sale, the servicer must still resolve the Escalated Case in accordance with Section XXXX and, when appropriate, the servicer will be required to take corrective action even if the foreclosure sale has taken place. 
On XXXX XXXX, 2016 " Servicer '' confirmed the above mentioned borrower and location was currently " Reviewed '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. 
At this time we are demanding that the scheduled sale date set for XX/XX/2016 be postponed.
Consumer complaint received 2015-08-06
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bought my house in XX/XX/XXXX for {$82000.00}, refinanced to lock in a fixed interest rate in XX/XX/XXXX. Was defrauded. Falsified documents filed. XXXX payment allegedly missed, but I was not notified until almost FOUR YEARS later, by then I had a lot of late fees. I did a " quick and easy loan modification, that put my home into foreclosure, even though XXXX indicated that they were ONLY moving the payment to the end of the loan. They said they were required to revert my loan back to 30 years AGAIN, even though they assured me this would not happen. Then, XXXX went under, Loan went to Countrywide and XXXX delinquent payment showed up again. Another loan modification, another 30 year term. The ONLY payments I have EVER missed are the ones I was REQUIRED to miss to qualify for the loan mod. As it stands now, I have lived in my home 17 years and owe {$4500.00} more than I did at the beginning, I have lost almost {$160000.00} in payments, AND my loan term is now 44 YEARS. 

How can this be correct? Bank of America who now owns my mortgage was just fined almost {$17.00} XXXX dollars for fraud. I am wondering WHY what they did to me does n't qualify as fraud? 

Please advise. 



XXXX XXXX XXXX XXXX, Tx. XXXXXXXXBank of American Loan : XXXXXXXXXXXX
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (CA)

XXXX XXXX  XXXX had asked me a couple of times to update my profile with them which I always did. I was later informed that my SSN is already being used by another of the bank 's customer in a different state. I provided the bank with my SSN card, XXXX XXXX, and a government issued ID for update purpose. However, I was made to understand that the other customer using my SSN had opened a credit card account with my SSN which led to the reason of my filing a report last year on this platform. I contacted the Social Security office to make a complain and I was advised to file a report with the local police dept. which I did. I also contacted the three bureaus. On contacting Equifax, Equifax confirmed that the information I provided did not match the one in their records and asked me for more documents for further identity verification which I did. Last year ( 2019 ), Equifax sent me a mail stating that my SSN belongs to a deceased person after faxing my documents to them for the umpteenth time. Equifax is NOT helping to fix the problem. Equifax has declined dissociating XXXX XXXX XXXX from my SSN. Equifax has declined identifying me with my full and correct legal name after all requested verification documents have been faxed to Equifax.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (CA)

I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at XXXX ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. XX/XX/XXXX ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California XXXX. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : CA XXXX XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, Trustee Corps is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by Trustee Corps. Trustee Corps was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of XXXX. XXXX XXXX XXXX, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Trustee Corps, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
Consumer complaint received 2016-10-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

Firstly, I was sold a pick-a-pay loan, which is illegal to sell to consumers in the state of Illinois. My loan was closed without a notary present. The notary 's signature was a copy, which is not accepted by the XXXX XXXX. It was not disclosed that my minimum mortgage payment could triple which it did. On top of this, the mortgage company took out an insurance policy with XXXX XXXX XXXX because they new we would default. A claim was processed by the mortgage company but denied by XXXX XXXX because of fraud. I left letters from the XXXX XXXX acquired through the department XXXX verifying this. According to XXXX XXXX, nothing has ever been recorded with them. When asked for copies of the origination papers ( requested several times ), there is always a different title company listed. The application was computer generated with a copy of my signature ( very obvious copy ). The application shows my title at Vice President and making {$8000.00} per month. They are stating that an equity line for {$35000.00} was taken 1 year later that I do n't recall. The only origination paperwork they have for this equity line is the exact same application used for the the mortgage, a year later. According to IRS transcripts, I was only making {$2500.00} per month. I was never a Vice President. My house is only XXXXbathroom. Sold comps in my area show that the value is about {$180000.00} but they keep insisting that it 's worth way more. They added forced-placed insurance on our file for several years, even though we 've sent them proof of insurance many, many times. They deny everything! Please refer to previous complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Denial received on all even though I supplied proof.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CA)

The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (TN)

On XX/XX/XXXX2016 I filed FTC Report Number # regarding identity theft for being billed and paying medical debts that i do not owe under my married name. Here I am having this issue again under my maiden name. This fraudlent billing seems to follow where every my step son lives,. First, in XXXX and now this bill is coming out of XXXX. He just left XXXX. I believe there is some type of connection. I followed the FTC recommendations for identity theft to prevent any further issues. I just received 2 bills in the mail today for the same amount with different billing numbers basically for the same ambulance company. The bill that was generated by this collection company changed the name of the ambulance service some. I do not owe anyone any money that I am aware.
Consumer complaint received 2015-04-27
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I 'm Disputing This " STATUS : XXXX -- -File -- -- Received -- -- XXXX -- ( AND ) STATUS : XXXX -- -File -- -- Received -- -- XXXX -- -- -NOT COMPLETED ... .BUY WELLSFARGO BANK-N/A.. 
Case number : XXXX -- -NOT COMPLETED BUY WELLSFARGO BANK ; N/A.. TODAY IS XXXX XXXX ; CF-GOV-CASE # XXXX, and Doccuments submitted in this case : File ; Duplicate 'NOTE- CF-GOV PEOPLE CALLING THIS A DUPILATE ...? 
adding mot information 's pertaining to the XXXX XXXX XXXX XXXX loan done in State of XXXX XXXX : Where the State of XXXX, and Wellsfargo is n't inforcing the Law 's of the U.S.C 's Homestead declaration on my property : ( XXXX XXXX XXXX XXXX, XXXX, XXXX / XXXX important ' notes '' XXXX, and XXXX as well XXXX US State XXXX XXXX the U.S.Constitution on Homestead declairation right on single family homes, and single person 's married or not. // [ In the community property states, the rights of the surviving spouse are less predictable. If thehomestead property is owned as joint tenancy with rights of survivorship or is community property, the surviving spouse retains an interest in the homestead property in his or her own right. InXXXX, XXXX and XXXX, single persons and married couples have the same exemption.XXXXIn such cases, the death of one spouse may have little effect on the protection afforded thesurvivor. When the homestead property is titled in the decedent 's name only, however, the surviving spouse will be left in the same condition as surviving spouses in common law states. Of the community property states, only XXXX squarely addresses this issue and passes the community property interest with the homestead exemption intact to the survivor free and clear of any liens ] [ XXXX ; the { U.S.C. ) Homestead $ 500,000.00USd exempted even on moblehomes, Manufactored homes.. '' they regisrered my home as a manufactered home with wellsfargo court order, changing the status from single family resident.. '' destoying tax records in XXXX XXXX XXXX ; and destroying my deed to my property../ now i understand wht the U.S Department of Hospitol had me file as well to inforce my utility bills were legal in my names as i have all ways lived single.. ; Wellsfargo Bank XXXX, XXXX XXXX XXXX 's XXXX XXXX is dead, XXXX XXXX XXXX that she is : where 's the death Certificate from XXXX Bank? on XXXX XXXX, XXXX people are stating this in that court order ; from what I know there 's life insurance coveing here det 's ; And I 'm the hier on the XXXX XXXX XXXX XXXX XXXX XXXX not those that ran with money. " on her life insurance policy., : XXXX ; XXXX XXXX '' I ask him if his name the XXXX time if it was XXXX, and the XXXX time he said it was XXXX, the ID caller says it 's XXXX? that 's suppose to be working for Wellsfargo bank N.A.?
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: State Collection Service, Inc. (WA)

This concerns a debt reporting by XXXX and the University XXXX. 

It began with an attempt to collect a debt that I had paid in the amount of Apporx. {$70.00}. I submitted my proof. 
Then somehow with out a billing XXXX sent notices that {$38.00} ( approx ) was due with NO PROOF. Just letters. 

I spoke with XXXX today upon learning that they had reported the {$38.00} to the credit reporting agencies. This XXXX item has signifiicantly effected my score. 

So I asked XXXX if I were to pay the bill would they asked that the {$38.00} be removed. They said no. I aaaked to speak to a supervisor and was sent to VM. No return call at this time. 


However State Wide told me that there was no bill for the amount they had reported to the Agencies. And they had no bill for this amount came from their client, The XXXX billlinh system in convoluted and difficult to follow. The bills dont carrry an account number or an invoice number that you can track. Each bill, even rebills all carry a separate " MRN '' number.You are not sure where rhe bills, some the same amount, are rebill and separate billings. 

The XXXX billing / collections staff are unhelpful. Some work at home. i received a call from a XXXX employee at XXXX on a Saturday morning.