davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

I have filed this complaint with wells Fargo twice. They have not answered my questions. 

Please refer to complaint XXXX and XXXX. There has been no explaination as to the XXXX and what the charge is for. They want me to pay this 12 years after the mortgage was initiated? NO DETAILS of what the fees are for. I want itemized documentation. 

Wells Fargo never confirmed that taxes were owed by owner. Just assumed because they got a notification from XXXX county that taxes were due. When I spoke with Wells Fargo on the phone I was told by one of the 5 people I spoke with that they were billing for XX/XX/2018 taxes. Wells Fargo never contacted me by phone. If they has spoken to the 5 people that I spoke with they would have had my current phone number. These taxes were in dispute because the attached picture was left behind my home causing it to be on the market for 4 years and never selling. If there was ever a next time doing business with Wells Fargo I would just hand them back the keys to the house and let them deal with it instead of being responsible. I am waiting for my explainations as to my original questions that I have listed above. You should have contact with owners. By the way, the paper work you sent was old mortgage info. It was refinanced so again no answers by Well Fargo. I am still  waiting.
Consumer complaint received 2019-03-01
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: EQUIFAX, INC. (AZ)

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX , XXXX . XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX , XXXX . XXXX XXXX, XXXX XXXX/XXXX   XXXX, XXXX XXXX/XXXX, XXXX/XXXX and XXXX/XXXX.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

Background - Went to court because my former business partner stopped paying me in XX/XX/XXXX per our buyout agreement. I've been living on my savings since XX/XX/XXXX. Wasn't able to make my mortgage payments in XX/XX/XXXX and XXXX XXXX sold my loan to Rushmore Loan Management, a debt collector, in XX/XX/XXXX. My lawsuit was resolved in the fall of XX/XX/XXXX where I receive half the amount I was receiving originally. 
Rushmore required {$5000.00} for an initial deposit and increased my monthly payment from approximately {$3300.00} to {$4700.00} per month based on a 7 % fixed interest rate. Rushmore is ruining our credit score and profiting from our problems. 
I am XXXX years old. If my former partner honored our buyout agreement, I would not be in this situation. My attorney fees were in excess of {$100000.00} and took over 2 years to reach a reduced agreement. 
I've requested that Rushmore modify our loan and add the {$33000.00} outstanding balance to our loan amount to take us out of foreclosure status. They have not done that. They don't return calls or emails.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. (ID)

Beginning of XX/XX/2019 I applied for HSBC Platinum Mastercard with Rewards credit card which is advertised on their web-page with a 0 % Introductory APR on credit card purchases and balance transfers for the first 12 months from Account opening ( " Introductory Period '' ). With an excellent credit score of XXXX and a household income of $ XXXX I didn't see any issues with getting this card. Only, about a month later when I got the card in mail, it was NOT the HSBC Platinum Mastercard with Rewards but the HSBC Cash Rewards Mastercard with a 19.24 % APR with a {$2000.00} limit (!!!! ). This is a XXXX  INSULT! My smallest credit card limit is {$10000.00}! I was beyond  furious. I called HSBC two times, each time been on hold for 30+ minutes trying to figure out what happened. No resolve. Not only did I get an inquiry on my credit score ( which I'm incredibly protective of, hence the excellent score ) but now I've got a card with a HUGE APR and a TINY limit. Who the XXXX do they think they are?! Stay away from these fraudulence people! What a joke!
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was a victim of what some would call a scam that involved a motel called XXXX XXXX XXXX in XXXX XXXX, North Carolina. I was not given the type of room that was expected when I arrived on XX/XX/2018. Because the room was shabby and didn't meet my expectations so I refused to stay there. I've contacted the consumer protection agency of North Carolina about my experience and did not get satisfactory help. Most importantly my credit card company was notified immediately the same day about my problem. I was asked to submit all the necessary documentation to prove my case to Capital One so that funds would not be taken from my card for this motel. I sent more than enough information to prove my case but again was denied and therefor was stuck with paying for a XXXX dollar 2 night stay that didn't happen. I've been a customer with Capital One for over 10 years and have never asked for a refund on anything until now. I don't think Capital One had my best interest in this matter because like most companies it's not gon na benefit them if the money was not charged to my account. From all the negative feedback that I submitted from other tenants about this motel it was clearly evident that this merchant was scamming me for my money. Capital One did not care about this and did not give me the representation that they should have.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (MA)

I have fallen behind by 85 days. While attempting to contact XXXX XXXX XXXX to make a payment, I had been informed I'm now affiliated with PHH mortgage. I tried to open an online account. it was impossible. -I then received a letter dated 2 weeks previous of the current date. I attempted to call the phone number for a days. The have given me a phone number of XXXX, extension XXXX XXXX XXXX. He does not answer the phone and does not have voicemail. It also says on the paperwork to press 0 and another case manager will assist. I have tried 25 times and no one answers. I would like to utilize the 90 option to get caught up. I believe PHH mortgage avoids answering the phone and blocks us from registering an online account to push customers into default. Im trying to register online to make the payment, Ive called and called to make a payment, they will not answer they will not respond please help! I cant open an online account for some odd reason, I cant get a representative. Its not fair, they are not responding. This is unaccetable cusomer service at the least and possible FRAUD
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I signed for a home loan with my mother ( XXXX XXXX XXXX ) and grandmother ( XXXX XXXX ( deceased ) ) in XXXX for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. My mother has always been responsible for mortgage payments for that home because that is where she resides. I purchased my own home in XXXX. My mother experienced financial hardship and, unbeknownst to me, stopped paying her mortgage for over 2 years. I was notified in XXXX by Wells Fargo Bank ( who currently services my home loan ) about this situation and was extremely upset. Wells Fargo employees instructed me that my mother was attempting to modify her home loan and needed my signature on the modification paperwork to do so. I informed Wells Fargo employees that I WOULD NOT consent to signing a modification and advised them that my mother needed to refinance her property in order to remove me from her home loan. Wells Fargo employees instructed me to sign a Quit Claim Deed and advised me that I would be removed from the deed of my mother 's home and the loan ( deed of trust ) for my mother 's residence ( above referenced property ). I signed a Quit Claim Deed in XXXX. I learned in XX/XX/XXXX that Wells Fargo actually modified my mother 's original loan without my knowledge, consent, or signature in XXXX. I was not aware of any of this until XX/XX/XXXX and have never received any documentation pertaining to the loan on my mother 's residence. I have been a homeowner since XXXX and have not lived at my mother 's residence since about XXXX. After repeatedly questioning them, I learned that Wells Fargo employees instructed me to sign a Quit Claim Deed in XXXX because that actually ONLY removed me from the deed and NOT the deed of trust. Since I adamantly REFUSED to sign a loan modification in reference to the property listed above in XXXX, Wells Fargo employees used deceitful tactics to have me removed from the deed of the property. Wells Fargo then processed a loan modification without my knowledge in XXXX. In XX/XX/XXXX, Wells Fargo employees acted as if they had a document with my signature on it from XXXX. I informed them several times that my signature was forged if they have any modification document from XXXX containing my signature. I later learned that they DID NOT have modification paperwork from XXXX containing my signature. I was informed in XX/XX/XXXX by Wells Fargo employees that " they were not required to have my signature on the loan modification in XXXX. '' I repeatedly advised that this was illegal. I was informed that this practice was " ok '' back in XXXX but advised that this practice " has since changed '' and that they require signatures from everyone listed on the loan. I have since obtained a copy of the paperwork and will be attaching it to this complaint.
Consumer complaint received 2019-02-28
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avid Acceptance, LLC (TX)

XX/XX/2019 - late payment. XXXX from Avid acceptance called my job. I'm not allowed to have personal calls. I told her I'm not allowed to have personal calls. She tried to become aggressive with me before I could hang up. 

XX/XX/2019 - late payment. XXXX called my parents, and my parents told XXXX to stop calling them. 

XX/XX/2019 : late payment : XXXX called my office again. My office extension is broken, so I wasn't able to pick it up. So, my receptionist paged me. I wasn't able to get the call in time before the person hung up. About thirty seconds later, my cell phone rings. It's XXXX from Avid Acceptance. I asked her if she called my office, and she said yes. I told her to stop calling me, again. She then became  verbally angry and yelled at me " WHEN ARE YOU GOING TO MAKE YOUR NEXT PAYMENT?! '' Then, I hung up and created this complaint.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I have never received a call or letter from this company and was COMPLETELY unaware of this debt until I went to purchase a car and they pulled my credit report and told me my score. I need this collection solved as I do not know anything about this debt and my credit is VERY important to me because I want to be able to purchase a house soon for my family. 

I am willing to do a pay for delete even tho this is not my debt. I just do not want it on my credit report anymore since it is severely impacting my credit and life. I am a single mother with XXXX kids and my credit is very important to me. Please respond so I can get this resolved.
Consumer complaint received 2019-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (FL)

Hurricane Irma in 2017 had major impact on my income and did damage to my house. I inquired about the forebearance option. The way it was presented to me was that since I could not afford the current payment they would suspend payments until the work to fix my house was completed. They gave me two options for once the work was completed ; I could either pay ( make current ) the payments that were not made during the suspension or they could remodify the loan. I specifically asked about the modification due to the fact that my income potential was drastically reduced ( due to Hurricane ). My question was to the point ... the only modification to the loan would be the  length ... if loan is suspended for say 3 months then the loan maturity date gets extended by the same. Their answer was yes. It took 9 months to get insurance company to correctly payout and get work completed, so there were no mortgage payments made for those 9 months. Once completed Loan Depot sent me a trial modification program to get the process started. I was told that the higher payments were to assist in getting the escrow balances back on track, I made all the payments ( on time ). Then came the loan modification itself, documents came along with foreclosure, short sale and deed-in-lieu documents. This scared me to death so I signed the new loan. My payments went from roughly $ XXXX/month to $ XXXX/month due to an additional {$18000.00} being added to the loan. They said it was for the unpaid months during forebearance. I called several times trying to get clarification but got the run-around each time. Not sure how it works ... loan payments were suspended ... yet they are charging me for them as if they made them for me. Again I go back to my question prior to accepting the forebearance program, trust me if I had any inclination that they would added that money to the loan I would have never done the program. They also talked on fees ( not sure for what ) and reported me to the credit bureaus as late over 120 days ... which they promised me they would not do. 

I feel as if I was scammed, the program is to assist people in times of trouble and because of it I have an even bigger problem now. If I was going to have difficulty paying {$1700.00} a month ... how can I afford {$2100.00}
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was reported to TRANSUNION on XXXX and was removed from my " hard-copy '' credit report. However, this is still appearing on my online credit report and was told on the many and numerous times that I called that it was supposed to have been removed online when it was removed from hard copy. 
I have called over and over and over and no one seems to be able to help. Transunion has given me several numbers to call for online. Every time I called they would tell me they need to put me through to online although that was the number that I called. Every single individual claimed that they were unable to assist me as online could not be reached from the main department. 
When I told one agent that I would contact CFPB she even told me that everybody makes that threat and that CFPB would possibly contact them only ... no big deal. 
Transunion has & does make it EXTREMELY difficult to get anything done on behalf of the consumer. A year or so ago they even dropped my credit score from XXXX to XXXX for no reason ( s ) at all. You may not believe that but it is true. 
The account that has been deleted but Transunion refuses to remove from online is : XXXX XXXX XXXX.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (OH)

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. The following account are not mine I have never had an account with these companies : DIVERSIFIED CONSULTNTS, Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (GA)

I have a Mortgage with PNC which I am paying off. In the payoff statement they included a charge of {$390.00} for " Outstanding corporate advances ''??? When I called customer services, after 1 hr on the phone the representative could n't find any justification for this charges, then the supervisor joined the call and confirmed that THEY NEVER NOTIFIED MY OF ANY OUTSTANDING CHARGES, and that they have NO evidence of ever contacting me about any pending charges, she then said that they have the right to charge whatever they want because of the " language '' specified in the Security Deed, of which allows then to charge any miscellaneous charges they want, but she was not able to tell me where in the Security Deed says that nor to specified the referred charges. 
This is a typical abuse from Mortgage companies, that suddenly want to charge extra fees when I am paying off the mortgage. Very disgusting and unlawful business practices.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NE)

I have an account with SYNCHRONY HOME, from a store called Mattress Firm. I  have a balance of about 2300 dollars. Its on a promotion of 24 months interest free. First off, you should know that at my job i get paid weekly, so it is easier for me to budget weekly instead of monthly. So, i calculated by the balance that it would take payments of {$28.00} per week to pay the balance off in less then 2 years time. So i immediately started making {$28.00} per week payments. I have done this same thing with promotions with XXXX XXXX, XXXX, and XXXX XXXX and it went very smoothly, not a single issue. The balance was always paid off before any interest and life went on. Anyway, back to Synchrony. I looked at a statement today ( XX/XX/20 ) and saw that had been charged 2 late fees in the past 2 months. I called them to discuss this with them. I found that they operation on a 23 day billing cycle, and that is why i keep getting late fees. The minimum payment is XXXX ( and paying XXXX per week, i pay XXXX in 4 weeks time ), so i pay 3 weeks and the XXXX is not met, so they add on a late fee. Then they receive my 4th payment, which does not apply to the next payment, just gets deducted from the balance.. The next week is when the next billing cycle starts, and the pattern repeats itself. I am paying more then the minimum amount due each month, but they ignore my 4th payment every month. I have asked them to apply that 4th payment to the next billing cycles payment but they refuse to work with me on this. I believe that this is a shady way of doing business and just a cleaver way to be able to charge people late fees.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Armcon Corp (CA)

XXXX XXXX XXXX XXXX regularly employs dishonest, unethical and illegal practices to run their business. They obtained a judgment on a {$2500.00} debt and inflated it to XXXX, falsely " served '' me at what they claim was my place of employment which was a county office address 75 miles away from me that I have never visited nor worked for. Completely falsified service!!! They continued to inflate the amount due over a 10 year period before I became aware of it through a letter from my bank. 

When I learned about this from a bank levy in XX/XX/2016, I contacted them about it and they threatened me with more legal action, would not negotiate, and even bullied an attorney I asked to call them as a favor to me to find out the particulars on the issue. 

Every attorney I spoke with is familiar with this company which has a very bad reputation for doing exactly what they did to me - using illegal means to obtain judgments. The owner XXXX is described by one attorney to be " the scum of the scum of collection agencies. '' NOTHING can be done legally to give me justice, the attorneys told me. According to the law, the judgment should be set aside since they employed illegal means to obtain it, yet I was told I would receive no justice from the courts and would be forced to file bankruptcy which I did not wish to do. 

I am not interested in you contacting them about my debt as there is nothing that will help at this point, but I would like you to pursue shutting them down and putting them out of business. A company that operates through illegal means shouldn't be allowed to continue to victimize people and destroy them financially.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (CA)

A collection company by the name of CMRE ( phone number : XXXX and email : XXXX ) has mailed me a letter dated XX/XX/2019, stating that I owe {$5.00} to XXXX XXXX XXXX. 

I dont know anything about this debt neither have I ever received a letter regarding that debt. 

Obviously, I want to find out what is it? 
You might thing it's simple, and that i just call or email this company and they will explain it to me. 
NO!!!! 
I have tried calling them many times, no live person ever picks up the phone. I have left voice mails. i have emailed them, even threatening to sue them if someone from their office does not return my calls or respond to my email. 

So far, no one has contacted me in any way or form. 

I have a fico score of 780+ which i have worked hard to attain in the past 10 years. 
This collection attempt could ruin it and greatly damage my credit worthiness and my financial future. 
I am asking for your help to contact these people and have them contact me so we can settle this issue. 

I have also done the same with XXXX XXXX XXXX, calling and emailing. Same exact issue. No one has contacted me, no one has responded to my voice mail messages and email. I only received an " Auto Reply '' from them ( XXXX XXXX XXXX ), which was never followed up on by a live person. 
I am in a delima and need your help. 

Thank you very much XXXX XXXX
Consumer complaint received 2019-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

Parent Plus Loan Original Amount {$110000.00} dated XX/XX/XXXX has been PAID IN FULL for over four ( 4 ) years. Recently received a statement from Navient ( which was also sent to the State of Connecticut ) showing that we owe money on this loan which has been PAID IN FULL. Letters and statements have been received from Sallie Mae and Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX confirming this. 

Currently unable to download the letters on this site at this time. 
Error Message Received XX/XX/XXXX : The webpage at https : //complaint.consumerfinance.gov/submit-a-complaint/XXXXFileAttach might be temporarily down or it may have moved permanently to a new web address.