davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I was unexpectedly laid off from my job in XXXX 2013, that lead to financial hardship that caused me to miss some mortgage payments. After going back to school and testing I started working as a realtor. During that time we applied for a loan modification with PNC bank. We were a customer for over XXXX years with a solid history of making mortgage payments. After being accepted for a loan modification, which would increase my monthly payment {$400.00} dollars, I appealed to have my mortgage payment lowered to where it was before. The appeal was turned down. I then accepted the terms offered to me but was turned down because they said I waited too long to accept their terms. I then was instructed I would have to re apply and submit a new packet to be considered again. After a almost two years of sending PNC my financial docs and letters of employment I was turned down again. They said the process had taken too long. All during this time my financial position has gotten better, I am working XXXX jobs and my wife works as well. We are making enough income to resume making our mortgage payments. I believe that PNC has not acted in good faith during these negotiations. I was called on the phone XX/XX/XXXX and was told I had one more opportunity to re submit a packet for review. I sent in a new packet and called PNC a day later to make sure they had received it. They say they had but were closing my file because I had been turned down twice previously. They did not even review my application, even though my income is well above the amount needed to make my mortgage payments. I did not receive any notice in the mail that said my app was rejected and no reason given. This is bad faith negotiation. I believe the real reason is because the amount I owe the bank is {$220000.00}, and they bank has appraised our homes value at over {$400000.00}. The bank wants to take my home so they can profit from its sale. This was after they previously appraised my home in the {$260000.00} range. Therefor, I believe that PNC Bank did not negotiate with me re my loan modification with good faith. I submitted paperwork and financial info they requested and they did not review them, thus making a decision to take my home based on bad faith negotiation. It is not fair to me, my wife and XXXX kids, my neighbors, my block I live on, the community or city. The only one standing to benefit is PNC Bank.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU ACC # XXXX I have report your company to consumerfinance.gov Case number : XXXX WITH CFPB ( NO RESPONSE ) **THIS IS A REINVESTIGATION As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2015-08-25
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Control Technology, Inc. (OH)

Today, XXXX XXXX XXXX, 2015 - I notified Account Control Technology, Inc. at XXXX XXXX ) XXXX regarding my student loan payments. I spoke with XXXX. I have been faithful in my payments and have automated withdrawals from my personal banking account. However, I received a letter dated XXXX XXXX 2015 stating payments would begin posting payments to my account on XXXX/XXXX/2015. I was shocked. I had no idea at this time my promissory payments had stopped. I am careful with these payments since I do not want an OFF-set of my taxes! So with this information, I immediately sent documentation to the Federal EDU collection, Acct. Control Technology asking for payment consideration, why they stopped since I have never missed a payment - I asked if the correspondence reached the office and if so, please read the documentation. Oh, did she read it! She was quite aware that not only had I not known about the payments that I had also spent the past 5 months with my helping my mother who had significant and XXXX at The XXXX XXXX Hospital and XXXX XXXX XXXX. I have been taking care of my mother for months as she has been XXXX. My mother 's XXXX was over 10 hours long, extensive and XXXX for a woman of XXXX years old. XXXX So if these particular Customer service representatives try to tell me that they spoke to my mother, they are very mistaken. I am offended and appalled. 
During the conversation, I explained to XXXX I have never once received notice of missing a payment, NSF in bank etc. XXXX then tells me maybe my card had been expired. Then it dawned on me. Yes, my debit card had been replaced with the same # 's and a new expiration date which I told her no one from my bank or their company had contacted me. She ignored me and continued on. She then kept asking if I wanted to begin a new account. I can not believe A NEW account. This was not my fault in the first place. No letter of termination, no financial funds, we are sorry you have defaulted on your promise to pay - NOTHING!!! 
XXXX then stated to me that the representatives had made calls to my phone and to my mother. I hit the ceiling. How can mother speak to anyone - SHE CA N'T. I knew then these people were lying. I offered to have a letter of medical confirmation sent to the department, they refused. XXXX then went to her supervisor who was just as nasty. Kept asking me why I not paid on my account. I explained again it was not that I did not pay, I did NOT know my payments WE 'RE not going through! Again, they told me over and over they spoke to my mother over and over and I know they are lying - I even asked if they knew sign language. I came to a point of cursing which does not making things better. 
I honestly DID NOT know what happened as to WHY they stopped and did n't tell me - WHY they had not called me - I can pull my phone records and prove to them, and lastly why are they accusing my Mother, a XXXX yr. XXXX of LYING - or that my family is lying. 
Can you help me? 
XXXX
Consumer complaint received 2016-03-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Consumer Adjustment Company Incorporated (MO)

The collection agency identified as CACI has already had right party contact with me and has verified the best phone number to contact me on. Since then they have contacted my family and requested location information as well as my employer. My complaint is that they have already had right party contact and should have no need to contact third parties for location information they already have.
Consumer complaint received 2016-12-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (TX)

PHOENIX FINANCIAL SERVICES LLC has place a collection on my credit reports for {$29.00}. They refuse to Validate the debt by sending me a copy of the original statement for alleged services rendered by the original creditor. They say the debt was sold and the original records are not available.
Consumer complaint received 2015-06-10
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc. (MO)

A debt collector is calling my place of employment repeatedly XXXX-XXXXx/day over the course of several weeks. They have called my direct line without leaving a message. They have called the main office line and asked for me by name. An office assistant at my place of work who took the phone call said it was XXXX XXXX # XXXX with Windham professionals. I have received a voicemail from this person on my personal cell phone.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo put a furniture company in charge of representing their services, which were misrepresented, I filed a complaint regarding this account and I was immediately contacted the next day to appear compliant, I was told that someone would contact me within 5 business days and gave me his information. He never called and I have left XXXX ignored messages for him.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: WELLS FARGO & COMPANY (MS)

This was a revolving account in which I paid Wells Fargo National Bank. There fore I am requesting XXXX XXXX be totally removed. As far as Wells Fargo goes, I never missed a payment, but was late on one. But paid the agreed upon contract amount. Instead of calling me as the cosignor, they called my daughter who is a college student. I thought they were offers of credit increases when she told me they called, because they had called before. When I pulled my credit report and realized the account was closed, I called them and asked, how can you close an account in which you are receiving an on time monthly payment on, and they said, it was several months where I did n't pay the full amount and they called the cosigner, XXXX XXXX. I told them I was the cosigner. And then I asked, since they knew I was an XXXX, why did n't they call me? They told me they could only call one person on the account and they chose to call her. I asked them, Where was that law? Needless to say they did n't have an answer. I informed them that all it took was a simple phone call to me to could have resolved this before they went to the extreme. I told them that I was legally entitled to receive a phone call especially before they closed the account. I informed them that I was paying the account off shortly and I did. I opened this account to assist my daughter in building credit and this is ruining her start on life. I made 13 consecutive payments and this account was closed because of negligent policies and personnel being lazy.
Consumer complaint received 2016-10-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (CA)

I paid the loan in full on XX/XX/XXXX using the pay loan in full option. The XXXX account number is XXXX. 

I received mail saying an additional XXXX was owed. 

I called and was told I had not paid correctly. They also told me that the amount to repay had grown to XXXX and that if I logged in I would see the pay off amount as of today and a " pay loan in full button ''. I logged in and saw neither. Instead it showed an account balance of XXXX as of today. If I went to a secondary screen it showed the XXXX. I have the following comments : 1 ) This is a scheme to make more interest and collect late payments. 
2 ) If I had paid the XXXX specified in the letter and on the screen, I would owe XXXX cents next month and if I did n't know that I should pay XXXX cents or I forgot I would be charged a late fee. 
3 ) This is n't as bad as what XXXX XXXX did but I bet they have made XXXX stringing people out on interest and late fees. 
4 ) I have screen shots of what was displayed. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

I opened a mortgage through XXXX Mortgage XXXX as part of my home purchase in XX/XX/2016. I submitted XXXX months of payments to XXXX Mortgage and was notified that my loan had been sold to Wells Fargo. Both payments were sent via certified mail and XXXX confirmed via e-mail that they had received and forwarded the payments to Wells Fargo. 

The XXXX payments were for bills due on XX/XX/2016 and XX/XX/2016. The XXXX payment included XXXX checks ( XXXX personal, XXXX from my credit card company rewards department ) within the same envelope and was credited correctly. The XXXX XXXX payment included XXXX checks within the same envelope and was not credited correctly. The first XX/XX/XXXX payment check was in the amount of {$2200.00} from my personal account ; the second XX/XX/XXXX payment check was in the amount of {$200.00} from my credit card company rewards department. The XX/XX/XXXX payment only credited {$2200.00}, not the full payment amount. 

I have been working with Wells Fargo since XX/XX/2016 to resolve the XX/XX/XXXX payment issue. I have received some assistance from XXXX XXXX XXXX XXXX x XXXX ) at Wells Fargo. XXXX and I contacted my credit card company to request a copy of the rewards checks and we agreed to cancel the missing {$200.00} check if it had not been deposited. XXXX found that the missing {$200.00} had not been deposited and cancelled the check. On XX/XX/XXXX, after the {$200.00} check had been cancelled, a {$200.00} credit was applied to my Wells Fargo account. 

On XX/XX/2016 ( for XX/XX/XXXX ), I went to the Wells Fargo branch to pay my XX/XX/XXXX payment. I used XXXX checks again ( XXXX from my credit card company rewards department, and XXXX personal ). Wells Fargo accepted the checks and provided a receipt for the payment. Initially, the payment credited properly ; however, Wells Fargo reversed the {$200.00} payment for the cancelled check AND reversed my XX/XX/2016 ( for XX/XX/XXXX ) payment as well. 

I have never made a late payment on any loan, credit card, or anything on my credit -- ever. I am now trying to refinance the mortgage from Wells Fargo due to the poor service, but I fear that I will be blocked due to this accounting issue at Wells Fargo. I confirmed that third-party checks were accepted by Wells Fargo and XXXX. With a previous Wells Fargo mortgage I used the credit card rewards payment checks without issues. I am unsure what to do at this time, but I would like my payments to be properly credited.
Consumer complaint received 2016-12-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MN)

I opened a wells Fargo loan at XXXX XX/XX/2016. Never made a late payment and usually paid more than the minimum payment amount. 
On XX/XX/2016 I received a vague unsigned letter from Wells Fargo Executive Office stating that due to risk my account has been closed. 
This action negatively affected my credit score. 
In XX/XX/2016, My wife and I closed our Wells Fargo checking and savings account siting Wells Fargo corporate ethics as the reason for closing our accounts. I believe that this current Wells Fargo negative action is retaliation to closing our checking and savings accounts with them.
Consumer complaint received 2016-11-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (VA)

NFCU Mortgage and XXXX Insurance Section sent XXXX threatening letters regarding Master Flood and Master Hazard insurance on the condominium we own. The letters inferred that we ( the XXXX ) did not have insurance and I / we ( the owners of unit XXXX ) did not provide proof, NFCU would buy the insurance at an additional cost to us ( the owners ). Upon investigating this allegation, we contacted the XXXX insurance company and quickly resolved the situation. The NFCU Mortgage and XXXX Insurance Section could have performed this task just as easily,,, but was either too lazy or incompetent to execute the task. The letters as written are not customer friendly, ,in fact they are downright insulting to any long term member ( 20 years ).
Consumer complaint received 2016-06-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I have an installment loan with cashnetusa. The loan is for XXXX. They take roughly anywhere between XXXX -XXXX out of my account every two weeks making it very difficult to pay it back in full. I would like to know if this company is legitimate and if the " fees '' that they are charging are legal.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ME)

My personal information was stored by Equifax and compromised by hackers. I now must spend extra time and energy protecting my credit history, potentially freezing my credit during a period where it was increasing, thus doing long-term damage to me and my family. The financial insecurity aside, the emotional insecurity of knowing that this agency has utterly lost any credibility or trust in handling my personal data is damaging by itself.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax has confirmed my personal and private information has been improperly protected and is now part of an entire batch of data stolen from Equifax through " hackers ''. I have already placed a fraud alert on my credit file to catch any attempts to use my data in the next 90 days. However, the information which was stolen will be with me for the rest of my life, and I now must continually freeze my credit or keep on high alert to protect the most private data that actually makes me a " person ''.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

Equifax failed to adequately safeguard my credit data against computer hacking, along with another 160 million people 's. Then the company execs try to cash out before the news comes out?
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax grossly mishandled my personal information and the personal information over over 100 million other Americans. Their inability to properly secure this information has left us all vulnerable to identity  theft and other forms of fraud.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Some or all of my personal data may have been leaked with the Equifax hack. I found out about the hack through the new and went to the website Equifax set up that checks to see if my data was stolen. I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' My information may now be public, leaving me vulnerable to identity theft.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I found out on XXXX XXXX 2017 that Equifax potentially leaked sensitive personal information about me, and that the security breach had been open for 5 weeks. I am worried that I may become a victim of identity theft, which puts me at risk for loss of thousands of dollars and ruination of my credit.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/2017, Equifax reported that they had been hacked and that the social security numbers, birth dates, names, and addresses of 143 million consumers were leaked. Using Equifax 's online tool, I discovered that my information may have been breached. I requested an enrollment date for their credit monitoring services ; however, since making the request, numerous online articles have reported that enrolling in the free year of credit services forces the end user into an arbitration clause which hinders the user 's right to be part of a class action lawsuit. I believe, that although Equifax is equally a victim, that they are ultimately still responsible for the breach due to failure to properly secure themselves. I will likely forego their free credit monitoring service in order to avoid being forced into an agreement that I would otherwise not consent to.