davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Critical Resolution Mediation LLC (OH)

On the morning of XXXX XXXX, XXXX at XXXX EST I missed a phone call from the number XXXX. At XXXX EST, I returned the call. XXXX answered and did not mention what company he is with. And continued to withhold the company information so that I could understand who was calling. He then stated that I owed a debt from XXXX and the amount owed of roughly {$250.00} from XXXX XXXX. I then stated that I currently did not have the funds but I am however looking to pay off my debts as soon as I get money to do so. He then said " XXXX XXXX is looking to get this handled within the next 2 hours or law enforcement will be sent to arrest you this afternoon ''. I told him that there was nothing that I can do right now. He then stated, " Well if you cant pay it now, I will go ahead and send over your information to have you arrested. Goodbye ''. 
I called XXXX back at XXXX EST. He answered and I said " May i speak to XXXX ''. His response was " Who is this? '' I stated my name. He then said " XXXX XXXX, I dont know why you are calling me back. You said you cant take care of the debt. Please do not call me back if you are not looking to pay. I wish you the best of luck, '' As he is laughing on the phone. I called back once more to simply get the company information so that I can have it for future reference. Another man answered the phone and gave it to me as he also stated that the debt owed was {$130.00}. A completely different number from what XXXX said. I explained to him that I could not pay it and that I would like to speak to XXXX because I feel that he was very rude and unprofessional. He transferred me to XXXX. He answered and stated " Stop calling if your not going to pay. '' Then hung up. 

XXXX violated my rights under the Fair Debt Collection Practices Act numerous times by stating false debt amount owed and also threatening to gave me arrested within the day of XXXX XXXX, XXXX. 

Under the FDCPA, it 's against the law for a debt collector to ( among other things ) : use threats of violence or harm use profane language tell you that you 're subject to arrest or imprisonment if you do n't pay your debt
Consumer complaint received 2016-02-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (DC)

I have a Chase savings account which has not been active for a while. Chase sent me a letter on XXXX/XXXX/2016 to inform me that they will put safeguard measures on the account in 2 month. When I called the XXXX number on the letter on XXXX/XXXX/2016, the online rep told me the account does not show on his desktop 's pull-down manual. If I want to do anything to the account I need to go to a branch. I opened the account when I was living in XXXX, but I have moved to XXXX, as reflected on their record. I can not make a trip immediately. Chase 's notification is misleading.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I own a home in Virginia, and recently suffered a loss ( XXXX XXXX ) due to an electrical surge. My heat pump was damaged. The electric company admitted the problem and fixed the power line. I had a contractor replace the entire unit. My insurance company, XXXX, quickly sent me a reimbursement check made out to me, and Wells Fargo. I endorsed and sent the check to them, and they verified receipt on XX/XX/XXXX. It is now XX/XX/XXXX, and they refuse to release the funds to me. They have sent me approximately XXXX pages of documents, and I have mailed and emailed them approximately XXXX pages back. Every time I call them it is like a " comedy of errors. '' They keep asking for the same things, and they even directly contacted my insurance company, XXXX, twice. None of the documentation seems to satisfy them, and I have called at least 15 times. I have paid on time every month since I started this mortgage, and often pay extra towards principal. I do n't understand how they can hold my money, and give me the run-around when the insurance paid so quickly. The loss is relatively simple, a heat pump. Can you please explain why it is OK for a mortgage company to take a check and just hold it for over a month? I already have been damaged, and the mortgage company just makes it worse.
Consumer complaint received 2016-08-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (NM)

In XX/XX/2016, I Re-Requested a Credit Bureau Membership and a Credit Report on ( XX/XX/2016 ). I found a Promotional Inquiry dated ( XX/XX/2016 ) for a PayDay Loan. I contacted the Lender ( whom ) Stated that, Either a Letter or Email was Submitted for an Online PayDay Loan. I was told that, they Could not. go as far Back enough to describe ( how ) the Application was Networked that is, by Email or US Mail and that, ( how ) the Promotional Inquiry was Acquired thatbis, from a Credit Service, Credit Management, Credit Corporation or a Collection.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (FL)

I have been working since 2009 to work out a Load Modification with Flagstar Bank. Despite having income to support a refinance they have ignored multiple Modification applications, spent months requesting the same monthly information for 5-6 months without progress on the load mod only to deny the mod. Insurance money received to fix the roof on the house they took and still have not provided to fix the roof despite multiple applications. I have also been ignored by flagstar and their lawyers when asking about status or progress of loan mod requests. And despite pushing to make some progress on a loan, or mod it has been 6 years and flagstar continues to drag out the process and delay or ignore any requests I make.
Consumer complaint received 2015-07-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Dear Sir/MadamOn XX/XX/XXXX very late in the afternoon, I had a conversation with XXXX XXXX, a representative of Wells Fargo. Based on the conversation, she instructed me to submit a letter of employment in Georgia and a letter stated that the house was not rented XX/XX/XXXX/ The last XXXX documents will help my case before HUD for the modification. On XX/XX/XXXX I faxed the statement letter and my attorney sent the letter of Employment on XXXX. The same week, I received a phone called to submit new information. Then I knew the house was in foreclosure and the sale date was XXXX All my paper work was submitted before the sale date. I was in compliance with their demand. and an appeal form to cancel the sale was ignored. 
Since the sale, XXXX XXXX has requested the sale to be rescinded. While in the process, a real estate company came to the house and changed my locks, I have no access to the house right now. This is a wrongful eviction without any notice. All utilities are on, yard and bushes are cut, and the company can not say the house was vacant.. 
This action is the power of a bank which does not have check and balance. It is discrimination without regard to Federal and State Laws, Therefore, Wells Fargo ignored all laws that govern this country while I was waiting for an answer., It has been reported with proof that Wells Fargo foreclosed XXXX properties in Georgia by denying them due process. My case is one of them. I will retain a lawyer to pursue my case. 


Best Regards, XXXX XXXX % XXXX
Consumer complaint received 2016-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC (MS)

Company by the name of Global Trust Management is using deceptive tactics to contact people. They are using false telephone numbers that say something different than who they are. For example, I received a phone call from what showed up on caller ID as XXXX XXXX ( XXXX ). When I answered, the representative said she was from Global Trust Managent and was attempting to collect a debt. I asked her why her company why they were using false numbers and she said she did not know what I was talking about, so I hung up.
Consumer complaint received 2015-12-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: C.Tech Collections, Inc. (NY)

i recieved a collection letter from c-tech collections XXXX XXXX XXXX XXXX ny XXXX .... ( XXXX ) XXXX sue thosar who is named as the collection division manager ... ..it was a collection notice for a doctor bill ... .it is for XXXX dollars ... this doctor apparently is not within my approved doctors and saw my wife in the emergency XXXX ... .two issues arise for me ... # 1 ) i was never given the oppurtunity to accept or reject the doctor ... he was presented as, what we thought, was an employee of the hospital ... but he was an " outside contractor? " ... .hence how can i be charged an exorbitant fee for something that i was not informed about ... .. # 2 ) i was never sent a bill from the doctor and was never given an oppurtunity to speak with him reference paying any of his fees ... ..he was paid an inservice fee by my insurance of about XXXX bucks ... .his collection agency disreguarded that payment and sent me a bill for the entire amount XXXX bucks ... ..my insurance company states they paid him XXXX and there is no way they should be billing me the entire amount ... .this collection agency comes up on a XXXX search as doing this stuff all the time ... c-tech collections ... .they even use a different outfit to send out the " collection '' letters ... .it comes from a XXXX XXXX ... .a XXXX search of that XXXX XXXX XXXX a company that sends out these letters for all kinds of doctors ... .all using various codes and headings ... i believe this practice violates federal collection law XXXX sub ( XXXX ) ... .using various names to try and collect debts ... .it is so questionable that new york state has made the system illegal as of mid year XXXX ... .but our original bill starts back in XXXX XXXX ... .hence the attempt at collecting what i feel is no way owed to anyone!!!
Consumer complaint received 2016-11-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cottonwood Financial Ltd. (TX)

Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management has failed to provide requested documents to validate debt they are seeking. They have called my place of employment and sent letters citing pre legal notices and forwarding to attorney. In XX/XX/2019, I sent a certified letter via USPS for MCM to send documents to validate this debt however documents were not sent to validate this debt.
Consumer complaint received 2017-01-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I opened a santander Simply Right Checking account on XXXX XXXX and used a promo code to get {$250.00} if certain requirement are fulfilled such as direct deposit and bill pay. I fulfilled the requirements but did n't get the bonus because my account was closed on XXXX XXXX. According to the bank the account was closed because they did n't receive my signature card. I did send them the signature card and am not sure why they have n't received it. In addition, they did n't not notify me prior to closing my account resulting in some of my bill payments getting reversed costing me in fees.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (CA)

I took out a private student loan from Wells Fargo Bank with my mom as a co-signer. This loan is to fund a XXXX program at XXXX XXXX University in XXXX, CA. The loan is now in default, but I made an agreement to still pay monthly payments of $ XXXX/month. However, I stopped the automatic payments for a few months, but then made another agreement to lower the payments to $ XXXX/mth. Apparently, I forgot to cancel the stop payment order with my bank and then Wells Fargo was not able to obtain the automatic payments from my bank. A few months later, Wells Fargo Bank took out {$1100.00} from my Mom 's bank, who is the co-signer of the loan without her or my consent or permission to do so. They simply just took out the {$1100.00} from my mom 's bank because she is the co-signer and we are not able to get that money back even after many talks with them. Is there a way to get the money back they they took out?
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

This debt was paid and this inquiry was removed from my credit report. It now shows back again on my credit report. This information is inaccurate due to debt being paid already and I have proof of snap shot picture on my phone showing this is paid and was removed from my credit. I can and will supply proof of this.
Consumer complaint received 2016-08-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

For the second time in a year, Wells Fargo Bank ( WFB ) has just put my savings account into dormancy, despite my making deposits every two months for years, and a withdrawal today, all via Automated Clearing House ( ACH ) using another of my financial institutions. 

WFB 's recent email notice of this dormancy states the following to reactivate an account : " You can easily reactivate your account by promptly doing one of the following : Sign on to transfer money from or to this account with another Wells Fargo account Make a deposit into this account using Wells Fargo Mobile ( R ) Deposit, or at a Wells Fargo ATM or store Make a withdrawal from this account at a Wells Fargo ATM or store Write a check that is paid from this account '' My savings account has no checks. After communicating online via the XXXX website with " XXXX '' ( WFB online agent ), it became clear that WFB insists on physical presence in a branch to do a transaction, or use of a Wells Fargo ATM, to maintain " activity ''. It intentionally ignores my frequent and timely deposits via ACH into this account. 

A State of Georgia website indicates that to be declared inactive or dormant, a bank must " lose contact '' with a customer for an extended period. It says nothing about requiring physical presence in a branch or using a bank 's ATM to maintain such " contact ''. 

This dormancy policy practiced by WFB should be banned by CFPB, OCC, and other relevant regulators. It is very inconvenient and aggravating to get such an account out of dormancy ( last time XX/XX/2016 it required a hour or so in my local branch # XXXX, at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX ). 

I spend half the year overseas, thousands of miles away from any WFB branch or WFB ATM. I will not return to the XXXX until XX/XX/2016 to fix this problem. 

Please work to require WFB to recognize ACH-mediated deposits and withdrawals initiated by an account holder from another financial institution as " activity '', denying the bank the ability to put an account into " inactive '' or " dormant '' status. 

Thank you.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.
Consumer complaint received 2016-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MA)

XXXX sent a bill for the bill I do not owe. I paid all my dues prior to cancelling service with them. Bill are paid one month in advance, and the charges they are claiming for the amount they collected for the last month. They reported to debt collection company called Southwest Credit
Consumer complaint received 2017-02-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (DC)

I purchased a vehicle on XXXX XXXX 2015. The car was financed through Wells Fargo dealer services. At the time of purchase my credit score was in the low XXXX. I spoke with wellsfargo and was told in 6 mos they would check for score improvement to give lower rate than 16 %. Fast forward to now, my credit score has improved a great deal yet my rate percentage stays the same. I called to refinance the vehicle and Wells Fargo denied me. My score has increased almost XXXX points and that rate of 16 percent is too high for a person that has my income and new credit profile. I want them to honor what they promised me
Consumer complaint received 2015-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXFederal Consumer Protection BureauTo Whom It May Concern : XXXX XXXX 2014 XXXX Mortgage sold my mortgage to Carrington Mortgages Services XXXX. From the mortgages Origin to this date I have never been late or missed a payment. 

Recently I have tried to refinance some of my properties and having pulled my credit report my Banker noticed in the comment section of all three agencies " Mortgage in Forbearance '' I called Carrington to find out why this was on my credit reports and I was told I had to make a written request for an investigation. I asked to speak with a supervisor to explain why they could n't tell me why a mortgage that has never had a payment missed would have such a notation on it. After being put on hold for 15 minutes the attendant said to me that there were a number of mortgages recently bought that had errors noted on the reports. He said I would be receiving a letter explaining this and the credit reporting agencies would be updated with that correction and removal of the erroneous comment. I asked for an email of the letter and was told they could not do thatTwo and half weeks have passed with no letter in the mail. I called today and was told I would have to send a letter requesting the letter they said they would send 2 weeks ago. 
I flat out refused and asked to speak to a supervisor. Again being put on hold for 15 minutes the attendant came back to say that he sent the request to the document department and I should be receiving the letter or their error in several days. 

Since my first contact with this company I have been treated like some kind of deadbeat. First by their greeting on the phone of " We are a debt collector attempting to collect a debt '' and subsequently their comment on an otherwise pristine credit report. XXXX times after asking to speak to a supervisor the attendants returned to say I did n't have to do what they insisted I do to get an answer in the first place. 

This is no way to treat a customer and to do fair business. My hope is that Carrington Mortgage Services is reprimanded for their failures to service me as good customer, treat me fairly and with respect. Needing to demand to speak to a supervisor is no way to get simple requests like an explanation or a letter explaining fault. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Dear CFPB Representative, We signed a " shared appreciation agreement '' with Ocwen Loan Servicing , LLC who represents the note holder XXXX XXXX. In this agreement Ocwen was to, in exchange for, very high payments, forgive a substantial portion of the principal owed on their mortgage. Now comes, that after over a year of us making excruciating payments that have depleted our savings, Ocwen has pulled out of the agreement leaving us with a foreclosure, likely loss of our home, and our life savings gone. 
They claim that their employees / representatives misled us into this situation but that at the end they were canceling the agreement and moving forward with foreclosure. We have already received the foreclosure notice. 
The key provision of this agreement was the principal forgiveness. The note holder, XXXX XXXX, had us locked in what they call a " negative amortization '' loan, where the balance of the loan actually goes up instead of down. Together with the housing crisis of 2008 we have a very severe negative equity in our home. After the government prohibited these negative amortization loans, the note holder changed us into a regular ARM in order to what they termed " stop the bleeding ''. However the payments soon tripled in size and made things impossible. Subsequently Ocwen, now the new servicer of the loan, convinced us to sign this agreement in exchange for this principal forgiveness that would pull us back to a break even equity position. Based on that we signed. Now that the market has been improving, Ocwen has decided to pull out. In our opinion they have done so in order to bring in more cash for themselves from a foreclosure rather than having to comply with the principal forgiveness agreement they signed with us. They are covering their tracks by removing long time representatives from our account, bringing in bogus " customer advocate reps '', erasing electronic correspondence within our account at their website etc. 

We find this to be negligent and outrageous. We have been sent into financial disaster by Ocwen Loan Servicing , LLC and the note holder XXXX XXXX. 

***A more detailed description of the situation is given in the attached documentation together with other related supporting documents***