davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Phoenix Financial Services LLC (NC)

Phoenix Financial Service continues to report negative information on my credit reports in regards to a location in which I did not reside. I recently received a copy of my credit report ( XXXX, XXXX and XXXX ) and after reviewing it I found questionable items listed by Phoenix Financial Service. In the past, I have asked that Phoenix Financial Service send me copies of the documents that they have in their files that are used to verify the accuracy of the account. I have no documentation with an account number. No one has ever answered my request. In fact, Phoenix Financial Service completely fails to disclose to me all of the documents that they have in their possession that is concerning the account that is being reported negatively in my credit report. Instead of providing me with the documentation, Phoenix Financial Service insists that the account has been verified and is correct.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I purchased my home in XXXX XXXX. The house appraised above the purchase price. I put 10 % down and have been consistently making additional payments ( two full payments each year ). The principal is now at less than 80 % of the original purchase price. On XXXX XXXX, XXXX I filled out the paperwork to remove PMI and sent my lender the requested amount ( {$310.00} ) associated with the " required '' appraisal. The check was cashed shortly thereafter. I received a VM on XXXX/XXXX/XXXX stating that I should call back " in reference to [ my ] appraisal ''. I called the number provided back on that day and again the following week. Each time I was told that " systems were down and the representative could not help me ''. On XXXX I received a follow-up call. At that time I was told that the appraisal was going to cost {$180.00} more than originally stated. This brings the total to {$500.00}, which is more than any amount shown on the mortgage lender 's schedule of amounts owed for the appraisal. I arranged for payment and was then told that it would be another seven days before anyone could contact me to schedule the appraisal. It appears that this company is deliberately delaying the necessary steps to remove PMI in order to continue to charge the PMI ( {$180.00} per month on a loan of {$350000.00} at 3.65 apr ).
Consumer complaint received 2015-08-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I had a short sale approved by the lender, Wells Fargo Home Mortgage. During the sale process the loan was sold to XXXX. The sale was successfully closed on XX/XX/XXXX, as reported correctly by XXXX. I have just ( XX/XX/XXXX ) discovered that my credit report shows a Wells Fargo Home Mortgage FORECLOSURE with a XXXX balance outstanding. The most recent reporting by WFHM was XX/XX/XXXX. I called XXXX to begin the process of clearing the error and was told to contact the credit bureau instead.
Consumer complaint received 2016-12-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (CA)

When I made large, principle only payments on the loan prior to payments becoming due, they did not allocate the amount to the principle. Rather, they apportioned the amounts out as payments for when the loans became due after I graduated. Additionally, they send excessive mail and make too many phone calls. For instance, they called my mother, who is also my cosigner, three times within an hour this morning ( XXXX/XXXX/16 ) alone. They also send both of us communication via phone and email in excess. They threatened my mothers credit, and were rude to her when they called. I have told them that a payment for the full balance of both loans is in the mail and they still persist. Checks for full payouts on both loans should reach their officers tomorrow or the next day at the latest.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MN)

I have an ongoing credit card relationship with US Bank. There are two interest rate tiers on my credit card account. The first is an interest free balance transfer that has no interest promotion until end of the year 2023. There is also a second balance tier that had an interest rate promotion that expired in XX/XX/2023. 

Per the CARD ACT, in the application of payment provision of this act, any additional money that the consumer sends in excess of the minimum payment MUST be applied to the highest interest rate portion of the account. 

However, US Bank is posting my excess payments to the interest free portion of the bill and at the same time charging interest on another portion of the balance and not applying any of my additional payments to this portion of the bill. This appears to be a clear violation of the CARD ACT. 

In my example the interest is nominal, BUT if this behavior by U.S. Bank is widespread this could be a rampant violation of the law by US Bank, costing consumers millions of dollars a year due to their ongoing violation of the CARD ACT by U.S. Bank. 

I have attached three monthly statements of my account showing the balances and the payment posting history. It is only the most recent XXXX statement that shows the improper interest being charged. The prior statements from XXXX and XXXX are showing you how my excess payments are being posted to the balance with no interest but nothing applied to the portion that has interest being charged. I have also attached a summary of the CARD ACT and specifically reference the 'Application of payments ( payment allocation ) ' on page three that US Bank is violating.
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Stewart Information Services (WA)

On XXXX XXXX, 2014, I went to Stewart Title located in XXXX WA to sign documents to close my home loan. XXXX XXXX XXXX was the escrow manager that closed my loan. At the time I was unaware of the personal relationship that XXXX XXXX had with the builder XXXX, XXXX and XXXX XXXX. I purchased my home from XXXX XXXX. XXXX XXXX worked for the XXXX, WA location of Stewart Title with XXXX XXXX for 7 years. 
There was a {$490.00} fee assessed on my HUD 1 statement which was disbursed to XXXX XXXX. The line item explanation was reimbursement to XXXX XXXX per the XXXX At the time that I signed to close my loan I did not have a copy of the XXXX. I received a copy of the XXXX XXXX XXXX on XXXX XXXX, 2014 via email from XXXX. There was no specific information regarding what this reimbursement was for provided on the HUD1. The {$490.00} was disbursed to XXXX XXXX through the HUD 1. 

The {$490.00} disbursed to XXXX XXXX as far as I am concerned was embezzled. I am asking that an investigation be conducted because it is my belief that Stewart Title is aiding in embezzling money from home buyers ( first time buyers ) by misappropriating funds to builders, in this case the owners of XXXX XXXX. Stewart Title also participated in a warranty scam with the builder XXXX XXXX by obtaining signatures from buyers at closing on a warranty application that Stewart Title was not authorized to administer and it was not relevant to the loans closing. This warranty application has created legal problems for every buyer in our community. Stewart Title also disbursed funds from the HUD 1 to pay for these warranties for the builder XXXX XXXX. Stewart Tilte obtained signatures on these warranty applications without disclosing the legal ramifications of signing the applications that they/Stewart Title were not authorized to obtain signatures on to start with. 
Stewart Title has participated in embezzlement. The funds in the amount of {$490.00} should have been disbursed to the homeowners association not the builder XXXX XXXX. This is misappropriation closing funds. It 's a scam and every single buyer at XXXX in XXXX XXXX WA had the exact experience described above. Stewart Title obtained signatures from every buyer at closing on a sham warranty application with major legal ramifications for the buyers. Stewart Title has failed to provide detail of the {$490.00} reimbursement that they disbursed to XXXX XXXX.
Consumer complaint received 2017-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation (IL)

I have a current secured loan with XXXX XXXX. It shows on my credit report accurately. Problem is that I have 12 closed accounts with XXXX XXXX. Every time I renew my loan for more money, they close the current account and open a new one. But they have refused to delete all closed 12 accounts from my credit report. I have never had a bad remark with this company. I want these closed accounts removed! This affects my credit rating. What is the problem with removing these old accounts that were always paid off????? 

XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed- Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. 
XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest BalancXXXX XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-AmounXXXX owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}.
Consumer complaint received 2015-12-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (TX)

I fell behind in my FHA mortgage due to unemployment and could not afford to make payments since XXXX XXXX. My servicer, M & T Bank, refused to accept partial/late payments so the missed payments continued to accrue. 
On XXXX XXXX, XXXX they sent me a letter saying I qualified for their special unemployment forbearance program. The requirements were as followed : - Sign the agreement - Pay {$25.00} due XXXX/XXXX/XXXX -Pay the total arrears, {$11000.00} to bring my account current on XXXX/XXXX/XXXX I signed the agreement and paid the {$25.00} forbearance payment in late XXXX XXXX, well before the XX/XX/XXXX deadline. 
I sent a certified check with a tracking number on XXXX/XXXX/XXXX for the rest of the money, {$11000.00}. My tracking number reports they received the check on XXXX/XXXX/XXXX. I called the bank on XX/XX/XXXX to let them know that the check was coming. At this time they told me that my home was already sent back to the foreclosure attorneys, it has a sale date of XXXX XXXX, XXXX and I would owe a new amount of {$11000.00} due by XXXX/XXXX/XXXX. 

I complained that my home should not have been sent to foreclosure before the XX/XX/XXXX date because I was still doing the forbearance plan and I followed through on the agreement to pay the {$11000.00} on time. They said they had the right to send my house back to foreclosure because I was late on my mortgage payments since I first fell behind in XXXX XXXX. I called them back today to inquire again and they said they rejected my check and sent it back to me on XXXX XXXX, XXXX. I am still waiting for the check in the mail, but I wanted to be caught up because I could resume monthly payments in XXXX XXXX if only they 'd honored their word and accepted the {$11000.00}. 
What is the point of any program if they can change the amount I owe right before it 's due and put my house into foreclosure even while I 'm participating in the program? This feels so unfair because I did what I agreed to do and worked very hard to catch up. It feels like they want to force me to lose my home.
Consumer complaint received 2015-06-21
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Veripro Solutions Inc. (CA)

PLEASE see Case number : XXXX for additional supporting documentation that was sent last year. 

I was able to modify my mortgage through NACA XXXX Neighborhood Assistance Corporation of America XXXX ) and met with Home Loan Services XXXX Homeownership Preservation Team in the year 2009. 
MODIFIED XXXX home loan mortgage to 2 % fixed for life and to the market value of the home to {$360000.00}. 
REMOVED XXXX mortgage loan and moved balance to the XXXX home loan mortgage XXXX combined ). 

* ISSUE - A collection agency named Veripro Solutions thinks that my XXXX mortgage loan still exist. I sent them my loan modification documents/spoke with their representatives numerous times, to show that the XXXX MORTGAGE WAS REMOVED and the balance was moved to the XXXX mortgage. But they still keep sending me letters that I still owe the XXXX mortgage. 

XXXX My loan modification was personally negotiated with XXXX XXXX XXXX XXXX Assistant Vice President Loss Mitigation - Resolutions ) and XXXX XXXX XXXX Homeownersip Preservation Team ) from Home Loan Services XXXX XXXX XXXX Original Servicer ). XXXX personally explained to me how the loan modification would be with XXXX present. XXXX clearly even wrote and explained it to me on how the loan modification would be ( attached ). I also spoke to XXXX XXXX XXXX XXXX XXXX Loss Mitigation ) who completed the modification and we went through the modification paperwork together BEFORE I signed it. And XXXX stated that the XXXX mortgage was removed and balance combined with the XXXX mortgage. 

Loan Modification : XXXX XXXX loan mortgage deferred to 100 % LTV XXXX Loan to Value XXXX which would make it XXXX. 
* XXXX loan mortgage removed and balance moved to XXXX. Part of that balance/portion ( {$45000.00} XXXX will be postponed and be paid once the XXXX loan balance has been paid. 

If my XXXX mortgage was not removed and not part of the loan modification then : XXXX Why is my principal balance {$540000.00}? XXXX If my XXXX loan mortgage was modified to 100 % LTV ) * Where is the amount {$45000.00} coming from? 
XXXX Veriprosolutions needs to provide me documentation on where {$45000.00} is coming from if my XXXX was not part of the loan modification. *Documentation needs to come from original servicer XXXX XXXX XXXX 
XXXX Veriprosolutions also needs to provide me documentation that the XXXX mortgage was not included in the modification or not combined with the XXXX mortgage. *Documentation needs to come from original servicer XXXX XXXX XXXX
Consumer complaint received 2016-03-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (VA)

I explained to advanced America do that I experienced check fraud and they told me that they have to proceed with allowing the check to bounce. At that point they decided that they would say 30 days to allow the debt to going to delinquent status and then I can make payment arrangements. At that point they continuously called my job as XXXX told them for multiple occasions to stop calling my job I am not allowed received a collection calls at work in particular this phone number. This was back in XXXX XXXX after they do calls 4 to 5 times I 'm most locations when I told Them to stop now here it is XXXX XXXX in the same office is calling my job they 're calling my cell phone they 're calling consistently trying to say that is imperative that they speak with me you 're not identify who they are what they represent however I did a reverse phone lookup and it 's a XXXX XXXX and XXXX Virginia or XXXX XXXX. The callers name is XXXX at XXXX
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (LA)

Long story short, Wells Fargo decided to end our banking relationship. In doing so, they canceled all pending transfers, including one from another Wells Fargo account. The transfer was for {$1600.00} from their customer XXXX. His cell phone number is ( XXXX ) XXXX. I sent the product to him and now I am unable to reach him. I would like Wells Fargo to help in one of the following ways : 1. Reimburse me for my loss. 
2. Facilitate me receiving the payment from their customer. 
3. Provide me with the customers details so that I can file a police report. 

I am not sure which one of these is necessary because I am unable to get in contact with their customer, XXXX.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Subject : Dispute of Inaccurate and Unverifiable Bankruptcy Information To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and unverifiable bankruptcy information that has been reported on my credit report. I have reviewed my credit report and identified the following bankruptcy entries which are both incorrect and unverifiable : XXXX XXXX Bankruptcy Reference Number : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference Number : XXXX Date Filed : XX/XX/XXXX The bankruptcy records provided by the court, which I have enclosed, confirm that these records should not be reported to credit agencies. Therefore, their presence on my credit report constitutes a violation of the Fair Credit Reporting Act. 

I demand that you immediately cease and desist from reporting this erroneous and deceptive information. Additionally, I require that these inaccurate entries be deleted from my credit report and all of your systems without further delay. 

Please be advised that if this matter is not resolved promptly, I will be forced to pursue legal action for the following violations : Permissible Purpose : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Credit Worthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00} The cumulative potential damages total {$6000.00}. This action is not intended as a threat, but rather a necessary step to ensure compliance with credit reporting laws and the protection of my rights. 


Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

Dear Representative, I 'm writing to dispute the American Education Systems ' ( AES ) entries on my credit report on account XXXX. This account was opened to finance my college education. I received the loan XX/XX/XXXX. After receiving the loan and making all installment payments in full and on-time for the entire history of loan repayment ( over three years XX/XX/XXXX ), my loan suddenly went into default because the loan servicer claimed that I had filed for bankruptcy. I found out later that my mother and co-signer on this loan had filed for bankruptcy without my knowledge and AES had automatically defaulted my loan without providing me with notification or an option to payoff. 

My co-signer 's filing had no bearing on my ability to pay my loan. I could have paid off the loan in full had this been an option. Since my co-signer filed for Chapter XXXX bankruptcy, I should have been given loan payoff as option. Instead, it took months of my own effort to contact AES customer service and National Collegiate Trust ( original lender ) seeking information about what happened with my loan and how I could continue to pay it. 

I eventually found out they sold it to XXXX, which is where I am now sending the monthly installments. To date, I am current on all payments. I am still being reported as having defaulted on my loan payments since XX/XX/XXXX, even though I am continuing to send monthly installments to the new loan servicer. 

AES reports their automatic default action as a " Charge Off '' on my account and this negative information is now affecting my ability to obtain good interest rates on a mortgage. AES customer service has misinformed me that the credit reporting agencies ( XXXX, XXXX, XXXX ) are the only ones who can remove this information. After filing a dispute with these agencies, I am informed by these credit agencies that the deletion of the negative information needs to come from AES. AES has also told me that they can not remove the negative information due to the Fair Credit Reporting Act ( FCRA ) - even though this act is intended to protect consumers from unfair credit reporting, not punish responsible borrowers such as myself. 

I have a proven track record of on-time, paid-in-full monthly installment payments in the years preceding and following the recorded default caused by my mother 's bankruptcy. I have records of all of my payment history available if needed. AES has violated the notification requirements of the FCRA and repeatedly provided me with false or misleading information about my account and their ability to resolve it. AES has turned a good loan bad with their irresponsible charge off of this account and I am being penalized for their actions despite proving myself to be a responsible borrower. 

I request CFPB require AES to immediately remove the negative information from my credit report for account associated with XXXX. 

Thank you.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: WELLS FARGO & COMPANY (ID)

There are Several hard inquires from a car dealership that I worked at I was advised if I got approved for a loan it would only be XXXX inquiry I did get a loan which I had paid in full yet there are several hard inquiry marks that are not authorized on dates XXXX/XXXX/2016 only at XXXX dealership should n't have those on my report