davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I have been attempting to obtain a modification on my mortgage loan since last XX/XX/XXXX The first attempt we had to start the process over because of the length of time that passed. This time we submitted everything that was asked of us in a timely manner each time we received a letter or phone call and I received a letter from the bank on XX/XX/XXXX stating they had not received all required documentation they would be unable to offer assistance options. The week of XX/XX/XXXX was the last contact I received via phone call requesting documents from a male co-worker of our Home Preservation Specialist asking me to send 2 documents the last week of XXXX and I faxed those documents the same week. Since that time, we had not received a call or letter notifying us of any additional documentation needed like we had in prior communication with the bank. The letter also did not state which documents were missing. On XX/XX/XXXX, I called the Home Preservation Specialist ( HPS ) we 'd been working with throughout this process who stated she would transfer me to the Re-entry Program. I spoke with that contact person who stated he would have the HPS review our package to find out what documents were missing and the HPS would contact me by XXXX, XXXX XXXX. I had not heard from the HPS on said date so I called her and left a message asking for a return call with the status of the review. On Thursday, XXXX XXXX, I called the HPS again and left a message asking for an update of the review. I then proceeded to call the Re-entry Program contact number provided in my initial call on XXXX and an automated message stated they were currently having technical difficulties and the system then disconnected the call. I believe we are getting the run around and are not being treated equitably.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit union preauthorized transactions that closed my account. 
Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Firstsource Business Process Services, LLC (CA)

On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. 

Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX  XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX - {$320.00} - Regarding XXXX XXXX - Ref. # XXXX XX/XX/XXXX - Firstsource Advantage , LLC - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

To whom it may concern, I have been having financial problems with keeping up with my bills. I have asked my mortgage provider for help. It 's very confusing with their response. One they said I ca n't get help because I made more then my bills. Then I reapplied. They said I should of not been behind on my mortgage and they ca n't help because I should of not falling behind and if your not behind on your mortgage we ca n't help you. But, yet they state on their web site to call as soon as your not able to make your payment, and you do n't have to be behind. Allot of things these days you have to pay up front. So when I catch up to XXXX bills I 'm already falling behind on another. My hardship is going through divorce and loss of XXXX income. But they still say I do n't have a hardship. They have allowed me to make a repayment program, which I 'm very thankful because I really want to make everything possible to keep this home. So now my income is {$4900.00}. I have bills of {$5200.00}. And now they also have jumped my monthly bill for mortgage from {$1200.00} to {$1700.00} which my bills would be around {$5600.00} ( with new calculation ) and they still refuse to help.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Diversified Consultants, Inc. (MD)

XXXX account was opened in my name for a residential line. XXXX XXXX XXXX is holding me liable and mentioned that this is a billing issue. After several calls back and forth I have not had a resolution and am still being held liable. This issue has started since XXXX of 2015.
Consumer complaint received 2015-06-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc. (TX)

I have been getting calls to work threatening me to be sent to court and also on my personal phone I have already contacted advance America to find out who they sold my account to and that company ca n't find me on file there # is XXXX and it is called first financial but the company that I am paying is called also attorney XXXX XXXX in Georgia their # is XXXX I just need help in verifying if it is a legitimate company and I am paying off a debt please help me
Consumer complaint received 2015-06-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc. (NM)

My husband accrued medical debt after we separated. I have a court filed document in which he stated that our date of separation was prior to his accruing the medical debt. The debt went into collection and the collection company is reporting that it is a joint debt because we were married. The debt was included in the divorce decree as his alone but the collection company is refusing to remove me as a joint owner of the debt. I have disputed it with XXXX and XXXX and they informed me that it is a joint debt. We were not together at time of debt and in his court response to the Petition for Divorce he stated we were separated prior to date he sought out medical treatment. His court response is proof that we were not together at the time the debt was accrued. We were not living in the same state. Therefore the debt is not joint.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (PA)

Diversified is currently reporting a collection account on my credit file that was paid in full to the original creditor XXXX XXXX XXXX XXXX. Once i made the payment i was told they would no longer report this debt on my credit file. I paid off the old debt in FULL as well. 

this had a huge impact on my credit file, i 'm in the process of buying a house and the mortgage company said this collection is hurting me greatly
Consumer complaint received 2015-09-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I 'm really sick and tired of getting checks ALWAYS being placed on hold from USAA bank. Every single deposit gets placed on hold for a minimum of 7 business days. This past phone call in the attached recording you will see I tried getting a partial lift on funds {$300.00} out of {$1000.00} lifted 1 day early so that I could go to XXXX XXXX to pick up medication I need to survive. 

USAA chose not to accommodate the situation which I explained, was a medical emergency.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (GA)

I keep getting calls from Diversified Consultants Inc. the calls are being made via their auto-dialer system. when i answer the call it says " please hold for the next available representative '' after waiting 10 seconds i hang up. finally i got frustrated on XXXX/XXXX/16 and called back, a rep answered and i asked him to cease and desist all calls and all future communication should be via mail. the rep interrupted me and said " i already removed your number '' and hung up on me. i called back and asked for a supervisor, guy came on the line and ID himself as a supervisor. i told him about his rep 's actions and wanted him to file a complaint. he barley acknowledged my complaint and proceeded to try and collect the debt! then he tried to coerce me into disputing the debt by saying that 's the only way we can stop collections activity against me. i tried to reason with him and told him i have worked in collections for 10+ years and i know FDCPA policy and CFPB policies. you think that would have slowed him down a bit. it did n't! i tried to explain the debt was placed in error but he continued to tell me it was n't and it was a valid debt. i tried to warn him about his company 's auto dialer system is calling my cell phone and probably others and the risk involved with calling cell phones. he was n't interested. he either wanted to collect the debt or coerce me into disputing the debt after i already told him i am not disputing the debt the debt
Consumer complaint received 2016-06-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We own a house : XXXX XXXX XXXX, XXXX, CA XXXX. My wife has had difficulty keeping her job over the last few years and we have defaulted on mortgage payments. Our lender is Capital One. As a result we went through a loan modification in 2014. The modification was accepted and we made at least 12 payments and then she lost her job again and we defaulted. XX/XX/XXXX we asked to start a loan modification process again which the banjk agreed to. We were supposed to make 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which we did. However, the bank thought we were late on one of the payments and immediately put a foreclosure date on our property ( XXXX XXXX ). My wife argued with the bank that the payments were not late and they accepted that they had made a mistake. However, the foreclosure date has not been cancelled. We are moving ahead with the modification and are just waiting on the appraiser to contact us to inspect the property. We do not understand why the foreclosure date ( the date our property will be put up for auction ) has not been stopped. We keep contacting the bank and they are not going to stop the auction until the modification process is complete. What is meant by " complete '' I have not idea. We can not get a straight answer. They keep telling us not to worry and that we will be fine but meanwhile the clock keeps ticking. I think they may have not intention of giving us this modification and fully intend to sell the property. 
We have also found that what they are doing is called dual tracking and is illegal. I confronted them about this and they denied it was dual tracking. 
It should be noted that our outstanding mortgage is XXXX and the house is worth about XXXX according to XXXX. I spoke to an attorney and he said jumbo loans are treated differently. This makes no sense to me. 
I would like you to tell the bank to stop the auction date or at the very least postpone it. I do not know if you have the power to do this but I am hoping you do. 
XXXX XXXX
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Captial One credit card has engaged in unfair, deceptive and abusive practices on my credit card with it. 

When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee '', without warning. XX/XX/XXXX, the only other charge on this card was {$14.00} for a telephone service, which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016, before the due date. However, because Capital One charged me a " gotcha '' membership fee, in contradiction to its advertised no annual fee for this card, it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}, the entire balance on the card now, consisting mostly of these unfair charges, was paid today. Capital One should have this payment by tomorrow. 

Somewhat beside the point, I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However, it has gotten electronic, on-time payments regularly since the account was opened.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I submitted documents to Equifax showing that I filed for a Chapter XXXX bankruptcy that has been XXXX. Equifax reports that my bankruptcy is a Chapter XXXX and refuse to update their records. The bankruptcy was filed on XXXX 2008 so it should be removed from my bureau. XXXX and XXXX have deleted it already.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

I submitted disputes months ago regarding : XXXX - Tax Liens by Mississippi. 
I submitted the LETTER of PAYMENT ( s ) for all XXXX issued by Mississippi Dept. of Revenue to ALL XXXX bureaus. 
XXXX currently shows ALL Liens as RELEASED. 
Equifax still does not show them as released. 
When you try to do an online dispute it is almost impossible to complete. 
XXXX makes it very convenient to file disputes online. 
However, the 1st Question / information you must supply is a XXXX digit report number ... .. this number is not available.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID and ( please see attached Credit Report excerpt ).
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CO)

Equifax has allowed unauthorized inquiries that have no permissible purpose to be reported on my credit file. I am asking that they supply me with the written authorization form from the creditors or remove the inquiries. I never spoke to or authorized these companies to pull my credit nor was I given any line of credit with these companies. This IS NOT a request for any fraud alerts to be put on my file. I just want the following inquires removed as no permissible purpose exists. 

1. XXXX 2 XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX. 

I am demanding that these 12 inquires be removed as Equifax did not have my permission to share my file with these companies. I did not apply for credit nor did I get credit extended to me. I have written them several times asking for verification or to have these removed and they refuse instead stating that they have to report these for 2 years. Not without valid proof of permissible purpose and they do not have this proof so they are in violation of the FCRA.
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Repeatedly I have asked XXXX, Equifax , XXXX, XXXX, XXXX to remove the statement " foreclosure started from my credit reports. They always said XXXX XXXX XXXX refused to take it off. The attached document from XXXX XXXX XXXX disputes that now and I want it off my credit.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have alerts set up on my Bank of America checking account to let me know when I have insufficient funds. I never receive these alerts until AFTER Bank of America applies overdraft protection and then charges me for it. I am not given the opportunity to correct my account because it 's not brought to my attention until after the fact.
Consumer complaint received 2016-10-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (VA)

This group has been calling for about a year. The name recently left on voicemail is CBE Group, Ph : XXXX, www.CBEGroup.com. They do not disclose the nature of the alleged debt, nor the alleged creditor name, even when asked. Usually they leave a voicemail, but on a recent call, I took it and asked what it is about, at which time they said they do not disclose that information. They asked for me to confirm my name and address, and asked for my SS #. When I asked again for creditor identifying information the man said ( in a very threatening voice ), " I do n't play games, sir. '' At that point I said that I do n't play games either, and hung up. Their most recent call was from a female. I called the phone # she left, and after a long pause, the electronic voice said they could not put me in touch with a representative, and for me to call back later ( yesterday ). I went online to the site they said I should and filled out contact information to access them and got rerouted several times, so I gave up and today I called the FBI and your office. I believe I do not owe an outstanding debt, but just in case, I called several creditors to see if I missed something. I was told that they did not send my account to any debt collector. At no point, have I received a letter, dun notice or other documentation. Please help me resolve this. I will also call my state Atty General and the do not call registry again. As an aside, after I went to their ( CBE 's ) online site, I immediately got a call from a tech specialist who said I had asked for tech assistance for my computer. When he realized I had not, he told me to be careful about inputting my name and contact information online.
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Navient sent a notice in the mail saying my payment was going to go up to over {$1500.00} a month in a little under a year. I called them and the representative asked for all current expenses. After listing all expenses, I was told the computer said that I had an ability to pay the {$1500.00} a month. Not only that but the representative said that the notice was wrong and the payment would be going up to {$1700.00} a month. This payment alone is over 45 % of my income.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX of 2014 I applied for a loan modification with Nationstar Mortgage. I 've been jumping through the hoops for the LAST YEAR to get the loan changed to lower payments ( like they used to be with Aurora Loan of {$1500.00} a month ). Last week I was called, and told that I did not qualify for a loan modification. When I originally applied ... .I was starting a new business, and did not have the funds to make the new payment of {$2800.00}. I requested that they be {$2000.00} or less. And could they lower the principal loan amount, as the home has dropped in value. They had recorded with the XXXX County Recorder, a default of loan. So they can start foreclosure at any time. I 'd gone through this with Aurora 5 years ago ... .and they lowered my payment. But when it was sold to Nationstar ... ..it immediately went up. My new business is doing well ... ..and profits are up. I 've attached my XXXX most recent bank statements ( personal and business ). 
Thanks, for you help. 
XXXX