davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: ID Analytics, Inc. (FL)

I was denied credit for a vehicle, the reporting agencies were XXXX and a reporting agency that I have never heard of, which is Sagestream , llc XXXX CA XXXX. Phone number XXXX. My credit score with XXXX was 618, compare to 551 with Sagestream. I have tried several times to contact them by phone to get a copy of what they are reporting on my report and was not successful. 
With the other credit reporting agencies that have been around for a while they have a automated service to get my information, but with Sagestream they will only respond with the mail and several copies of all kind of personal information. Why are they different from the other reporting agencies and make it very hard for me to get information that they are reporting on me as a consumer, that does not seem far to me, and it is already upsetting to be denied and then fight for information about yourself too. I would like to file a formal complaint on Sagestream, because XXXX has set the standard on how someone can get a copy of their credit report and someone I do n't know can come in and change the standard. I thank you so much for helping me get this matter resolved. XXXX
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX. I had my husband, XXXX XXXX XXXX XXXX to write up this statement and send it to the CFPB and they in turn sent it to Wells Fargo. Wells Fargo has sent a reply but no explanation. Because of their saying that my HUSBAND is not authorized to discuss the foreclosure, which was their fault for sending back my payments to me, they are not answering at all. The last letter my husband received from Wells Fargo said that they would have an answer for us on XXXX XXXX. No response from them as of now. SO, I am writing this to let you, the CFPB, and Wells Fargo know that my HUSBAND, XXXX XXXX XXXX XXXX, is authorized to get and provide any information about this loss of my home. Wells Fargo has been taking people 's homes in the XXXX XXXX for a long time. Most of the homes that are up here in XXXX, XXXX XXXX, and XXXX are empty due to Wells Fargo messing with peoples payments, and not counting their payments and also not accepting them after they are paid at the branch. I am tired of losing my home and not being able to get another home because of Wells Fargo 's shady operations. You can call my husband to talk about this because I am too angry to speak to anybody, especially to Wells Fargo because the people that call you are rude and heartless and do nothing to help someone even when they call them. I can attest to everything that my husband has stated in this letter and I am writing this to make sure that you INVESTIGATE and see for yourself that Wells Fargo has done everything to mess people out of their homes and then blame them for not doing their part to stay in the home, when we did everything and more. I am so disgusted with Wells Fargo and I want something to be done because of all this time that we have been trying to get a place of our own and we ca n't because Wells Fargo destroyed my credit by not accepting my payments and sending them back to me so that they were late. I want you and them to talk to my husband because he is the only XXXX of us that will be able to talk to them with anything other than irritation. Please e-mail me at the address provided and I will have my husband to contact whomever he needs to talk to.
Consumer complaint received 2017-02-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica (NY)

I recieve XXXX payments on the " direct express " debit card from " COMERICA BANK '' this morning I attemped to pay my monthly bills as usual only to find that {$800.00} was stolen from my checking account. I called customer service and the bottom line from them was, we will send you documents in the mail in XXXX business days to fill out and return. Then they will begin an investigation and in XXXX days they will decide whether to restore funds or not. so, im XXXX, I have no children and no savings and no rent or medical premium or food. can you please help? besides calling landlord and others i owe to ask them for more time due to stolen funds, what can i do or where can you refer me to at least pay my medical premium
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Mediation Recovery Center (PA)

I received a phone call from a lady named XXXX. She started giving out information about me before even making sure she was speaking to me. She did not tell me the call was being record. She stated that I owe a debt. I kindly asked her not call me on my cell phone and she said fine and asked for another number. I advised her that I do not have another phone number. She said that she had my work phone number. I told her she is to not call my employer. She said she was not calling me at work but she would be calling my HR department to advise them of my debt to verify my employment. I advised her she is not allowed to contact my employer and she said she has every right to contact my employer. I kept repeating NOT to call my employer and she told me to have a nice day and hung up on me. I called back and asked for a supervisor. I spoke to XXXX who also said they have every right to contact my employer. I told him that he is NOT to call my employer and she said they were going to call them even though I told them not to. I felt threaten by this company that they were trying to have me fired from my job. The debt they are trying to collect on is 12 years old and has been sold from collection agency to collection agency. This company uses threat tactics to get people to pay and they are not allowed to threaten me or anyone else.
Consumer complaint received 2016-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

We were victimized by Wells Fargo Bank after we filed a complaint they whitewashed our comments and naturally found against us. We disputed and nothing was resolved. During the latest round of fraudulent behavior on the part of Wells Fargo Bank management and employees, adding accounts and expenses to customers with out their knowledge and approval, pleading guilty and exempting the wronged customers from taking legal actions, is abhorring to the say the least. Not only did Wells Fargo Mortgage Bankers lie and refuse to help us with our mortgage, our accounts were deleted and our access blocked. We recently learned through a card mailer from Wells Fargo Bank we were given two accounts were never applied for. We have over a hundred that were sent to us basically passing the buck back and forth until foreclose took place. We are owed around {$500000.00} in our property value and over {$250000.00} in builder and after market upgrades. I wash to have cfpb investigate and in the mean time I will prepare a complaint package to submit to United States XXXX XXXX XXXX. Wells Fargo Bank used their financial influence to deny short sales and provide any support to us when we were financial limbo during the economic recession/crash. After serving 21 years on XXXX XXXX in the XXXX XXXX XXXX and 19 years in XXXX XXXX XXXX supporting the military, mostly living XXXX with my wife and children away from the United States and our extended family. Wells Fargo Bank chose profit over customer support and wellbeing. We moved XXXX time since our foreclosure and we ask that Wells Fargo Bank reimburse us for all the money they made off us and refusing to allow our short even after the approved it. The financial figure that we were cheated out of was in the neighborhood of {$500000.00} and we have documentation to prove our case.
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

Due to circumstances beyond my control, I filed for chapter XXXX bankruptcy on XX/XX/XXXX. 
On XX/XX/XXXX we met with the trustee, I was told by the chapter XXXX trustee XXXX XXXX that we need to have a loan modification. 

In XX/XX/XXXX we filed documents for a loan mod. It was never reviewed because my attorney, XXXX XXXX XXXX. failed to send a document to the bank, giving permission to negotiate a loan mod. 

My home was scheduled for a sheriff sale on XX/XX/XXXX, When I called the bank, I was informed that I could not file because of the 37 day window. 

I went to court on XX/XX/XXXX, I filed a motion for a stay, I was granted a stay until XX/XX/XXXX. 
Court document is included in my package. 

I then filed a new loan modification packet on XX/XX/XXXX. 

I received a letter from the bank stating that additional documents were needed, I got the documents and uploaded to the bank on XXXX XXXX. 

On XX/XX/XXXX I contacted the bank to follow up, at this time I was advised that there was more documentation needed, however the 37 day cut off was XX/XX/XXXX. Yet I was advised on XX/XX/XXXX. 

As of this point, Caliber Home Loans will not review a loan modification because of the cutoff. 
I have been in constant contact with Caliber Home Loans, I have provided all the documents they required, they were sent in a very timely manner, yet now the 37 day cutoff is going to prevent a loan modification and they are going to proceed with the foreclosure and sheriff sale on XX/XX/XXXX. 

This is extremely unfair, I have done all I could on my end. I believe they intentionally stalled the process, so they could foreclose on my home. 

I have all the documents sent to Caliber Home Loans, it is in my opinion that Caliber Home Loans committed fraud upon me.
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BARCLAYS BANK DELAWARE (KS)

On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name XXXX XXXX XXXX is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

My servicer Ocwen Loan Servicing modified my mortgage as of XXXX XXXX, 2015. My original loan payment was {$940.00}. The new loan payment was supposed to be {$910.00}. The final modification documents was signed on XXXX/XXXX/2015. Whereby, the loan was supposed to be modified to the new {$910.00} short afterwards with the account being brought to a current status. Ocwen input the Principal balance adjustment to the account on XXXX XXXX, 2015 per their transaction history records. But, Ocwen failed to alter my mortgage account to a current status as stated in my modification agreement. I tried paying my monthly mortgage paying on XXXX XXXX, 2015. But, the payment was returned on XXXX XXXX, 2015 due to the servicer showing the loan past due for the XXXX XXXX, 2015 monthly payment. The account was sold to Residential Credit Solutions on XXXX/XXXX/2015 without the problem with the modification not corrected. I tried to talk with my contacts at Residential Credit Solutions in order to get the problem addressed. But, the contacts at RCS stated that the accounts was past due. I needed to pay the account current. I am asking that the account be corrected by RCS. Otherwise, the account needs to be transferred back to Ocwen in order that they can correct the issue with the account.
Consumer complaint received 2016-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services (TX)

WENT TO HOSPITAL FROM SERVICE. XXXX. FILL OUT PAPER WORK AFTER RECEIVING COST FOR XXXX BEFORE ANY SERVICE PEFORMED. I DECLINED SERVICE. ( TEXAS DBET STATUE OF LIMITATION 4YSRS ). DEBT FILED XX/XX/2012 BY XXXX HOSPITAL. ( SOLD TO XXXX )
Consumer complaint received 2016-06-22
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Thunderbird Collection Specialists, Inc. (AZ)

TCS contacted my place of work and continued to call them after they said I was n't there several time. They said he was rude and mean when they would n't give them my number or when I was working again. He continued to call several times XXXX to the point the told my boss and she called me at home. TCS has my number this was just harassment.
Consumer complaint received 2020-01-22
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. (FL)

XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX card nor was I a authorized user on this account like they are tellng me not my account
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received the credit report from TransUnion on XXXX and I found I have a missed payment on a credit card of XXXX that has been already closed. I have neither opened it nor closed it and I have never missed payment in my history. I disputed this problem to the TransUnion about 20 days ago and received massage from them that it said they have already completed my dispute and made changes to my credit report, but I found it is no any changes on my credit report today. My credit score has been put down very low now. So I urge you to ask them to make real investigation of the dispute my recently submitted and give me a correct result. Thanks.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been in written communication for the past six months or more with transunion. transunion has been reporting several inaccuracies on my credit report. the inaccurate information on my report is preventing me from getting an apartment and credit. when i reached out to transunion they sent me a letter stating that the information was verified. I then sent another letter with information that supports the inaccuracies that was sent by certified letter twice and still no response. It was to my understanding under the Fair Credit reporting act. that if any information is reported inaccurately it must be removed. I have XXXX accounts that are not being reported accurately. The accounts in question is XXXX XXXX XXXX and the XXXX XXXX is XXXX accounts in question.. The issue I have withe the reporting and validating the account is that they did n't validate the account. I have asked the company to give me written proof of my signature that i have open the account and they could n't provide this to me so how did transunion validate this account. the date that account first premier claim to be open is showing a different date than what transunion is reporting. also the amount that is claimed that i owed is not being reported correctly the payment history as well not being reported at all or incorrectly. on all these grounds these ground I want transunion to immediately stop reporting this account. Now as for the second account. transunion is not reporting this correctly as well and i want trans union to immediately stop reporting on this account. Transunion claims that this account is valid however they have yet to send me proff of it 's validilty when i reached out to fingerhut they advised that they sold the account. so first off if this account is sold trans union should not be reporting this as a fingerhut account/ I was told that midland credit services has this account and that fingerhut is no longer responsible. XXXX services when i reached out to them advised, that they received the account they reported on the account however after receiving my formal written dispute about this fingerhut account. XXXX decided to immediately cease reporting this account. So why is transunion still reporting a sold account that no longer belongs to the original owner. They are awre that a company can not buy back and an account once it has been sold so why is this account being reported as such. Transunion has failed to " validate '' this account with these error and therefore I am executing my right for the third and fourth time to has transunion stop reporting these accounts immediately
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Hello my name is XXXX XXXX, I live in XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I have lived there since XXXX 2007 and always paid my mortgage on time until we had some very bad hardship. I lost my XXXX position which lowered my pay dramatically, we had a new baby, and my wife got sick after delivery. This hardship caused me to become delinquent in my mortgage payments as I could not pay the mortgage. After the years gone by the value of my home were dramatically decreased and it is not worth was it used to before. At this time the home needs huge and costly improvements to get the home to a greater value. New A/C and ventilation/duct around {$17000.00}, new kitchen {$7000.00}, new windows and doors {$4000.00}, cracked foundation $ unknown, paint house outside and inside {$3500.00}, and new roofing {$10000.00} and much more. The costs will be totaling over {$50000.00} in fixing. The home was built in 1960 and is showing the age very much so. The home is not worth what I 'm paying monthly for it and would like to receive a loan modification for this property. Im asking a mortgage payment of {$620.00} a month including taxes and insurance as this is what I would pay and know this home is worth. 
Ocwen offered me an option to pay trial payments of {$980.00} but that is too much for this home and I can not pay this. The amount they offered is only couple percent from what I used to pay and could not pay at the end. 
Please help me receive a loan modification. 
Thank you. 
XXXX XXXX
Consumer complaint received 2015-12-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (AZ)

I received a call stating it was a collection agency. He left no name, no name of company, just a phone number for me to call. 
By the way, none of the Communication Tactics to choose from apply to me, but I had to choose one to continue. I received the attached letter later.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

capital one ... .would make my payment for the month due ... it would show paid on line and when I would check my account and the money would still be there ... they will then then next month say im one month behind so I would pay for two months ... ..The money still will not be taken. then capitol one would say yes it it ... ..then I tried to pay by check..no good debit card still the payment would not be taken out of my account ... .so I stop trying to pay capitol one account..then they start adding all these late charges the mail they send say XXXX late fees then I look at my credit it say XXXX I need help with being treated fair.. they double the payment amount but this all started when I spent up the money on the credit card ... I feel when I ran the card up they blocked the payment ..so my credit score will be bad ....
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

Loan company : Rocket Mortgage, XXXX, MI I have paid my mortgage down to 60.42 % of original appraised value on home ( appraisal done XX/XX/XXXX ). Mortgage company refuses to stop the PMI. I have spoke with two people at the company and they state I have to keep paying this illegal fee until XXXX, XXXX.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Debt collectors Proof of Service shows that a " XXXX '' received the documents at a location which is not my work or my home. Violation of my XXXX and XXXX amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
I will attached your reference Capital one Credit Bureau resolutions letter on XXXX and XX/XX/XXXX Capital one asking Supporting documents for account number ending XXXX. 
Your letter indicated ( Capital One CFPB Case response XXXX ) your bank update details are accurate and how possible they asking supporting documents? this is a discrimination. 
I am maintain XXXX accounts good standing and good payment history ( Last XXXX # ending XXXX XXXX ) Please re investigation my issues and Consider " Goodwill Adjust " this account and remove Late payment on XX/XX/XXXX Really Appreciated Thanks ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX