davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

After the housing crash, house values in my neighborhood lost value rapidly and most houses became under water. XXXX tried to assist me in obtaining a loan modification, but the lender, Wells Fargo Mortgage, declined the application in XXXX XXXX. After Wells Fargo Mortgage declined two subsequent request for assistance through a modification, I offered to give up my home in a Mortgage Release or Deed-in-Lieu. Wells Fargo agreed to the deed-in-lieu of foreclosure, subject to me getting a Realtor to seel the property in SHORT SALE, if no offers, Wells Fargo promised to offer the deed-in-lieu after 120 days.Up to XXXX XXXX, my mortgage had been kept current despite Wells Fargo Mortgage 's refusal to grant a modification. 
After rejecting XXXX investor offers, Wells Fargo Mortgage forwarded my file to their attorneys, and foreclosure date has been set for XXXX XXXX, XXXX. My initial request for a deed-in-lieu was in XXXX XXXX. My Mortgage balance is $ XXXX, appraised value of property is under $ XXXX, and Wells Fargo advised the realtor that $ XXXX would have been acceptable in a Short Sale. There were no offers at that price. Why wasnt I offered a modification at $ XXXX? I would like to keep my home. 
Thank you for hearing me out!
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I submitted an application for HAMP assisstance to America 's Servicing Company. I am requesting a loan modification, they responded that I had the maximum amount of modification possible and that the private investors are renuant to offer another modification. In a telephone conversation that I have with XXXX America 's Servicing Company, Home Preservation Specialist in XXXX XXXX, she stated that the investors can not approved the modification because I was found unable to pay. The house is scheduled for a foreclosure on XXXX/XXXX/XXXX. I am requesting your help to stop the foreclosure and to advocate for a positive solution of my case, either loan modification or refinance. Thank you.
Consumer complaint received 2016-08-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect in XXXX of XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into tUnemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted 3 disputes through TransUnion asking them to require documentation from XXXX other than the breakdown of late payments because during the time they are saying the loans were late they were supposed to be in repayment. I have the applications I made from the studentaid.gov website and the breakdown where it shows that the loans were under repayment and forgiveness. TransUnion failed to provide documentation and rules that what XXXX is saying is correct although before my loans were transferred to them I did not have any late payments. When I asked TransUnion why they didn't provide documentation they stated that it is not their job to investigate they only take a statement from the company that says what I am disputing is correct. They base their investigation on he said she said instead of factual evidence.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Dispute for PMI for loan number XXXX Hello, My name is XXXX XXXX. My wife and I closed loan with XXXX XXXX XXXX on XXXX XXXX, 2016. Now that loan is sold to and served by Wells Fargo Bank. 

I tried to call at Customer Service Dept of Wells Fargo ( XXXX XXXX XXXX ) for exact amount I need to pay for removing PMI. As per guideline with XXXX % LTV of my loan value, PMI should be removed. To my shock, I was told that there are instructions in your system on file that PMI can only be removed only if LTV is XXXX % or less. I have MI certificate from XXXX for refrence. My current LTV is XXXX % ( as per CSR XXXX who told me during my call with her ) and I am ready to pay difference to remove PMI. I need to know how much amount do I need to pay with XXXX % LTV. I was never told that XXXX % is minimum LTV I need to have to get rid of PMI. 
Wells fargo is saying that my PMI can only be removed once LTV is less than XXXX %. 
Thanks
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has not addressed my concerns, and I did not withdraw from the home modification process, So once again they have falsely accused and slandered me. The reason why the process could not move forward is because the new appraisal that they promised they would order was not ordered. They were doing the modification based on a incorrect appraisal using the wrong square footage of my home. I have done everything, everything that they have asked me to do to include taking money out of my pocket to have the square footage appraisal done. Then that was not enough so they wanted me to go to the county assessment office and have them to correct it and I did that also, and the county assessment office of XXXX county has made the necessary corrections in reference to the square footage they have also reassess taxes because the value is less. I have not given them an incorrect phone number this is the only phone number that I have and I half to work. I have asked them to call in the a.m. hours and they still continue not to do so. They promised me they would do an appraisal again if I did everything that they asked and it still has not been done yet, so things can move forward. How can they modify the loan to make it more affordable if the appraisal is not correct. The last time I checked ad a PA licensed real estate agent, in order to do a modification you must have a correct appraisal done to determine the value of the home to see if in fact the person that is in the mist of the modification process can afford the home at the current and correct appraised value. Attached once again is proof that I have done everything that Wells Fargo has asked me to do. As I stated before in my last complaint, I have experience other persons from other races being treated differently in the same situation than I have been treated as a XXXX female.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TN)

My wife is XXXX from having a XXXX a few years ago, We will always have ongoing medical expenses that are not covered by health insurance for her care and that has caused us to be deliquient on our mortgage. We 've submitted financials and several modification requests to American Servicing to modifiy our mortgage. Customer service has been rude and uncooperative and refuse to modify our mortgage. We recently resubmitted our modification request again. Please help, we do n't want to loose our home.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

Over the past 5 months I have been seeking a resolution to a problem with the manner in which my home was foreclosed. Wells Fargo has not responded in a satisfactory manner to questions or issues I has consistently questioned. my home was foreclosed on after providing information to reinstate the loan. Previously the information had been accepted in lieu of work out options. There was one single item questioned. there was a request to verify service at the home. There service documentation was provided via a bill that noted the service address but the bill was mailed to a XXXX.
Consumer complaint received 2016-05-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

I have filed a complaint against Wells Fargo home mortgage and I got a call from a person and when I told him I was XXXX and wanted to keep my home he laughed. The the was forces end on and I had been making the payments with the life insurance money when my husband passed away. I want to recover the money Wells Fargo took from me. The home was only in my husbands name. Why did they take the money and not tell me no the home is not in your name we wo n't take the money. Its discrimination cause I 'm XXXX and that person laughed at me. 
I have already submitted a compliment.
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I received an escrow refund XX/XX/XXXX in the amount of {$2800.00} from XX/XX/XXXX. Wells Fargo has requested reimbursement of this refund XX/XX/XXXX claiming that the refund was an error. When the refund was provided, I contacted Wells Fargo numerous times to confirm that the refund was accurate. In addition, I did not deposit the refund check for several months. I think it is unreasonable to expect a repayment of nearly {$3000.00} more than two years. In addition, I feel that I did my due diligence as a customer to alert Wells Fargo of a potential error. Since receiving this notice on XX/XX/XXXX, I have contacted Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have a letter dated XX/XX/XXXX that Wells will complete research and contact me by XX/XX/XXXX. I received a message on XX/XX/XXXX from a Wells Fargo representative that there has been a resolution and to contact him. I have left several messages and never spoken with him with respect to what the resolution is. Now, I am receiving notices from XXXX XXXX XXXX, XXXX to attempt to collect this debt. In the information provided by XXXX, there is a copy of an email from Wells Fargo to XXXX XXXX on XX/XX/XXXX stating that " we have completed our process and our homeowner has not responded to our attempts to address this. '' I have documentation of my multiple attempts and follow ups and I truly do n't know what more I can do thus I am filling this complaint in hopes that this process can help me to resolve this issue. Thank you. XXXX XXXX
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

On XX/XX/2020 at XXXX XXXX. I received a text message looking for a " XXXX XXXX. '' I have been pestered by these kind of calls and texts before, the last time from a company called ERC, who promised to take my phone number off their records. I don't know a XXXX XXXX, and I have had my phone number since the late XXXX. Apparently someone by that name, and a " XXXX XXXX '' have used my phone number fraudulently. I have explained this to a number of debt collectors, including ERC, XXXX XXXX XXXX, XXXX XXXX as well as XXXX XXXX. They use various rotating phone numbers to call me or text me, looking for " XXXX XXXX '' and/or " XXXX XXXX. '' I have attached the letter I received from ERC as well as an image of the text that came today from phone number XXXX. They want me to call XXXX, file number XXXX, requesting XXXX XXXX ' immediate response. The phone number beginning with XXXX also called and left message XX/XX/2020 and I filed a complaint with the FTC on that occasion.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

In XX/XX/XXXX, I wanted to lift a credit freeze I placed with Equifax so that I could order digital tax transcripts from the IRS. This requires the IRS to perform an identity check using my credit history. I found out then that Equifax has changed their process from PIN-based to user account based. I attempted to create a myEquifax account, but I was met with an error message stating that Equifax is unable to verify my identity and the I would receive a special code through the mail. 

About 2 weeks later, I received a letter with the verification pin from Equifax and attempted to create an account again. However, after submitting my information and the verification pin, the my.equifax.com website displayed a message saying that my registration is not possible to complete and that I should call their customer support at XXXX. I did that and a representative told me that she was unable to verify my identity and requested that I mail them a letter describing my problem and my personal information along with a copy of my driver 's license. 

I sent the letter along with a copy of my license on XX/XX/XXXX. I had not received a reply by XX/XX/XXXX, so I decided to send a follow up letter ( along with copy of license ) that day. I mailed both letters to the address the phone support specialist told me and that I verified online : Equifax Customer Service, Equifax Inc, XXXX XXXX XXXX, XXXX, GA XXXX. Today is XX/XX/XXXX and I have not received a response to either letter. 

Due this problem, I am unable to lift the credit freeze I placed on my credit history in XXXX. This has inconvenienced me so far by : - being unable to verify my identity with the IRS and request digital copies of my tax transcripts. 

However, this will create bigger problems for me in the future, such as : - inability to pass a credit check for renting an apartment. 
- inability to pass a credit check for purchasing a new car or house. 
- inability to verify my identity with other government agencies, eg. USCIS. 
- inability to sign up for a new credit card. 

To that end, this issue can create a number of difficulties in my life and that of my family. Unfortunately, I have exhausted the ways that Equifax makes available to get support with their product and I am forced to lodge this complaint with you, the CFPB.
Consumer complaint received 2020-12-21
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. (NM)

After sending multiple disputes to Equifax, They are just sending replies from the E-Oscar system replies that had nothing to do with the inaccuracies disputed. I demand for Equifax to perform a proper investigation of the accounts attach to this complaint and to remove any non-fcra compliance accounts from my credit report and to provide me with the method of verification according to section 623 what I mean by this I want to see paperwork, names of person spoken to by XXXX  with the account furnisher to prove accuracy on account disputed..
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had fallen behind due to covid and loss of income. My business has suffered as have I.

I put in documents and was told no program was available to me. JUST PAY UP. I can not do that. I was given no parameters or reason as to
why??? NPV values were left off.

What are the guidelines.No one talks there.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NH)

I pre-paid for services with XXXX XXXX a.k.a. XXXX XXXX XXXX on XX/XX/XXXX. I made 2 appointments with the office of which XXXX was a no show for both. I called, emailed and texted her multiple times with no response. Her office stopped offering that service due to COVID and refused to refund me. After multiple attempts to resolve I submitted an electronic dispute with Care Credit/Synchrony Bank on XX/XX/XXXX. I chatted with multiple reps each week asking for an update and every 60 days my dispute was resubmitted with no letter sent to myself. On XX/XX/XXXX I chatted with a Care Credit rep who said a manager would review with the dispute department and within 48 hours the balance would be adjusted. When I went into chat on XX/XX/XXXX I was told the dispute was cancelled and I needed to resubmit. I am looking for the balance to be adjusted to by {$1000.00} on tracation reference # XXXX.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, XX/XX/XXXX, XX/XX/XXXX and Transunion, which I have not authorized.

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, XX/XX/XXXX and Transunion have all failed to remove the unverified information from my respective credit reports.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

The collections account from XXXX  XXXX XXXX  that you are reporting does not belong to me. I have already contacted XXXX  XXXX XXXX  to remove me from their system and for this in accurate account to be removed from my reports. I was a victim of ID theft 6 yrs  ago and I work hard to get my reports as accurate as possible. There is a fraud alert on my reports and no credit of any kind should be extended without my permission and signature which I'm sure XXXX  XXXX  does not have because this account does not belong to me. The date of birth is also incorrect.
Consumer complaint received 2020-12-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CJA Auto Sales, Inc. (AZ)

Arizona Statute of limitations on this auto loan debt is met on XX/XX/XXXX, First delinquent date was XX/XX/XXXX, this a JOINT account NOT the primary holder. The original creditor and debt collector CJA Finance inc reporting the same account on XXXX  & XXXX XXXX reporting to XXXX  & XXXX  which is a clear violation. 

This dispute also being sent to all three major credit bureau.