davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I attempted to do a loan mod with Wells Fargo. At the time I could not afford the monthly payments but I was current. Wells Fargo would not return my calls so, at the advice from my attorney, I stopped making payments. They now returned my calls. During that time I filed Chapter XXXX bankruptcy and had my XXXX home loans discharged. I went through the loan mod trial payments process successfully but Wells Fargo rejected my loan mod saying the XXXX lender would not subordinate ( this took 2-1/2 years XXXX. I hired an attorney to try a second time to get the loan mod and, after a year and more trial payments, Wells Fargo provided a loan mod document subject to the XXXX lender subordinating. That lender still would n't subordinate but would agree to a payoff. I received the agreement from the XXXX lender, faxed it to Wells Fargo with the knowledge the lien would be removed within 3 days of receiving my payment. Wells rescinded the loan mod saying I took too long. Wells gave me 20 days to solve the problem but it took me about 45 days. I was at the mercy of the XXXX lender 's time table. I met Wells Fargo 's loan mod criteria ( trial payments - twice ), I have the ability to make the payments, I can satisfy Well 's requirement to remove the XXXX lien but they are insisting on foreclosing. In addition, I can qualify for a new loan ( refi ) but under bankruptcy rules I can not obtain a loan until a waiting period which expires XX/XX/XXXX. How do I save my home?
Consumer complaint received 2015-06-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (CA)

After I enrolled in automatic debit for monthly payment, New American Funding debited XXXX payments for the XXXX payment from my checking account, once on XXXX XXXX and the XXXX on XXXX XXXX. The loan payments were not overdue and there is other legal basis for taking the XXXX payment. They applied the XXXX payment to XXXX even though I repeatedly asked for the money back. I did not authorize the taking of any extra money, just the payment due for XXXX month at a time. They refused to explain why the extra payment was taken and refused to put it back into my account the same way they withdrew it. This was an overdraft in my checking account. I have no resources to cure the overdraft, so my bank levied {$34.00} overdraft fees at least XXXX times + another {$10.00} for transferring my entire savings to checking even though it was n't enough to cure the overdraft. After pleading on the phone with their agent XXXX XXXX she told me it was arranged for the money to be put directly back into my account and gave me confirmation # XXXX. After 2 days, I contacted XXXX XXXX to tell her the money had not been deposited. She replied a check would be mailed on XXXX XXXX. New American Funding would reimburse a stop payment fee but not any overdraft fees. By the time that check arrives and I take it to my bank to put in my account it will be 3 weeks since it was taken. New American Funding cost me much more than the extra payment, I have multiple bank fees and expect late payment fees from various creditors who could not be paid on time. That alone impairs my credit record. I am retired and live on a fixed income that is just enough to cover my needs and put a little aside in savings, so without that money my family & I are suffering severe hardship we needed that {$1300.00} for food, utilities, fuel and other necessities of life.
Consumer complaint received 2017-02-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

We endorsed and signed a Warranty Check to Wells Fargo the insuranceclaimscheck, of which they placed into an restricted escrow account. This check was issued XXXX/XXXX/XXXX. and deposited on XXXX/XXXX/XXXX. The time lapse between receiving the check and depositing the check is because Wells Fargo was confused on how to handle and make the funds available. On XXXX/XXXX/XXXX ; XXXX sent in a estimate on how much it would cost to fix the foundation. After fumbling around for weeks, back and forth with different representatives they did n't understand or knew what they were supposed to do, after specking with a representative at the local bank, ( XXXX ) became interested in trying to get to the bottom of the issue. Thanks to ( XXXX ) we were finally able to get someone to handle the check. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, the local banker ( XXXX ) XXXX and XXXX the home owner ; became very frustrated with being toss around as if no-one cared about taking care of our situation. Finally after 24 day of fusing and waiting, Well Fargo released a check for the lifting of the foundation. Now that the foundation is done, calling Well Fargo to know our next steps. We are told that we must have the plumbing checked. On XXXX/XXXX/XXXX, the estimates were sent in. We did n't receive a check from Well Fargo until XXXX/XXXX/XXXX ; this was for the plumbing hydrostatic test. The plumbers came out two days later. Right after this test, the paperwork was forwarded to Wells Fargo insurance claim check. We were told that because we were using he same company that we did n't have to send any other information dealing with the company. Well that was a lie ; we had to get the proposals signed by the plumbers and home owners plus another conditional waiver of lien, of which we were never told nor called. So four days later, I call. Now I 'm told that we must have an inspector out to the property to inspect all that 's been done. Well ; Wells Fargo was call back in XXXX XXXX about sending an inspector out to the house because that is what they told us and this information is also on the home recovery kit. So now we are placed on hold again because of Wells Fargo slothfulness and we are tired of they treating us this way. Our home plumbing system backed up because of not releasing the fund so that the plumbing could be fix. This is just extremely too long of a process and no-one should have to go through this.We are still waiting on the inspector and the plumbing to be complete.
Consumer complaint received 2016-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (LA)

This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report, when it has never belonged to me. Who did this & what can be done to Quickly remove it from my report??
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Krawczyk, Duginski & Rohr, S.C. (WI)

Received a letter in our on XXXX XXXX. Letter from collection attorney was dated XXXX/XXXX/2016 given me an opportunity to respond. Upon further investigation the envelope it was sent in was dated XXXX/XXXX/2016 this explained why I received it so late. I responded in writing on XXXX/XXXX/2016 and sent it via XXXX. Now today I am served a suit for the money amount dated XXXX/XXXX/2016 and filed XXXX/XXXX/2016. It was filed 3 days before I received the initial letter. I believe the letter was deliberately held 5 weeks and then mailed in an attempt to claim I never challenged the claim or responded to the claim.
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MT)

I recently opened a Wells Fargo account so that I could deposit money for rent, after a short time, my wife and I decided to use a joint account through another service. I emailed Wells Fargo and asked them to close various accounts, a few days later, I noticed I was still receiving alerts from them in the mail. I checked my account and saw that I had an outstanding balance in their credit card service. I called and asked that this situation be resolved, which I assumed it was. I then saw further notifications, and again emailed them, and was told I did n't request to close ALL of my accounts. I called again, and went through various channels, and was told that someone did not properly close my credit card account as promised, but after 50 minutes on the phone, was assured this would be fixed. 

To my dismay, this issue has still not been resolved, and I still have a credit account with Wells Fargo that shows an outstanding balance.
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia (FL)

This debt collection company has had this account on my record for years and I was not aware as I was not paying very close attention. Now that I am paying attention to my credit and clearing it up, I asked them to remove it as did the original creditor XXXX-who the debt was paid to- and they refused until next year. No payments were made to this company and the original creditor even called them when the account was paid off and removed the account from them and has since sent another request ( in the last 60 days XXXX to remove the account to which they still refuse. This is a tactic that is hurting my account and they refuse to abide by the creditors request or mine to have the account removed and so I am taking the next step in a long drawn out process. I want this collection off of my account before next year
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (CA)

I seatle this debt and made all require payments. I received a notice of satisfaction from the lender/ agency and the removed themself from my credit report. Then this new collection agency REAL TIME RESOLUTION IS SENDING ME BILLS on the balance that was seatled. The ruin my credit score and wo n't stop sending me bills. I already faxed them copies of the seatlement agreement, proof of payment, letter from original lender showing XXXX things, first a matching account number so they know that we are talking about the same account and that it was paid, fully satisfied and closed, but this agency refuses to stop their attempt to collect something from me and to remove their name from my credit report. Please help
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (NJ)

The idiots at Wells Fargo do n't know the definition of " XXXX '' and their so called " Senior Correspondence Specialist '' XXXX XXXX does not know how to address an issue that I raised in my previous complaint. Case number : XXXX All I am asking these XXXX is to send me their definition of a " XXXX '' and they seem to be not able to do that. They ask me to prove that I am a XXXX when they have no understanding of who a XXXX is. And their so called response fails to address that at all. 

I am at a loss of words as to describe the level of stupidity I have encountered. Their response to a CFPB complaint is to repeat the same old stupidity without bothering to read the complaint and try to understand the issue at hand. 

These XXXX belong in a XXXX and not in charge of a bank. I will keep raising complaints till someone with at XXXX gets to take a look at it. Please keep these complaints on their record for others to see as well. 

thanks
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Arbor Residential Mortgage LLC (WA)

I represent a homeowner who is doing a short sale and has been approved under the HAFA guidelines to receive XXXX at closing which was approved by the sellers first mortgage holder ( XXXX XXXX ). The XXXX mortgage servicer at Seneca mortgage told me that they did not know that HAFA incentives were at XXXX and thought they capped at XXXX so if the seller was going to get more than XXXX then the investor at Seneca Mortgage wanted the difference between those XXXX numbers to go back to Seneca Mortgage and not to the seller. Seneca Mortgage also was offered 10 % of their unpaid principal balance, so they not only wanted that XXXX %, but also XXXX that the homeowner is supposed to receive from HAFA at closing. I told them that they had no right to collect the sellers incentive money if they already are being offered XXXX % of the UPB and also receive TARP money.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Firstsource Business Process Services, LLC (LA)

The university returned a portion of my student aid without informing me until after the term was completed. I was enrolled for a certain number of hours. I was unsuccessful with one class. The university had already received my financial aid package and applied it to fullfill the balance. However, at the end of the term, they returned a portion of the funds because i was not successful in a class. They did not correspond with me prior to doing this or inform me that it would happen.
Consumer complaint received 2015-04-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

I received notice of a hearing from the attorney for a motion to renew judgment on a very old debt. 

The attorney is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Fax XXXX. 

I ca n't recall why this amount was owed, etc. and it was never explained to me. I knew from ten years ago that a judgment was made and unfortunately I was unable to attend the hearing because I was moving from my original address in XXXX, MI at the time. I am now living in XXXX County and the hearing is in XXXX County. I received notice from the State of Michigan that she seized my Michigan State tax return in XXXX. 

The upcoming hearing is XXXX miles away from my home residence, of which Mary Jane Elliot et. al is well aware. The notice is dated XXXX XXXX, XXXX and I did n't receive it until XXXX XXXX, XXXX, so I have n't been given adequate time to prepare a legal defense. 

They are also charging me {$960.00} in interest on a {$690.00} balance for a total of {$1600.00}. I feel this amount is ridiculous, especially since I never acknowledged this debt and the statute of limitations has run out long ago. 

I feel that ten years of having my credit report ruined and fear of the unjust actions of this firm for a false debt is more than adequate a price to pay. They have done nothing to provide proof of the debt or get my voluntary acceptance of it. This is the first I have heard from them in years. The original judgment was in XXXX. 

As Mary Jane Elliot et. al must be aware, I have limited resources to respond to her lawsuit. At the very least she should be suing me in a court near my residence not somewhere I have n't lived in a decade. 

The case number is XXXX in the XXXX District Court before the Honorable XXXX XXXX XXXX on XXXX XXXX, XXXX. 

In closing, I would like to comment about the importance of protections to safeguard the rights of consumers from the unethical actions of creditors such as Mary Jane Elliot et. al. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RoundPoint Mortgage Servicing LLC (UT)

The reality is that the intent of the Federal Loan Modification Program is to provide an alternative to foreclosure for millions of struggling homeowners. Furthermore, these homeowners are supposed to be able to secure a loan modification without the assistance of a competent advisor. 
Unfortunately, the lenders and servicers do not play by the rules. Consequently, average homeowners are taken advantage of and face the prospect of losing their homes by falling short of bank 's loan modification hoops. This is why there is a massive amount of litigation in the state and federal courts seeking relief for victimized homeowners. You need to work with specialists who know the programs and can make the lenders adhere to the federal laws and guidelines. I did not have this specialist when I started this loan. In letters from the servicers they state that they are proud to service your loan. We are committed to protecting the rights of our customers who are service members. 
I did not know all of the hoops there would be to go thru to obtain this type of a loan. Every time I called in for help or to have my questions answered I would get a different answer to my question. I was assigned to have this one person his title was a Legation Specialty to help me with my questions. I had another person who whose title was Customer Advocate specialist. I was told that if I had questions I was to call them. Every time I would call I could never get a hold them. I was told to leave a message and they would return my call. I never did hear back from them many times. 
At the beginning of the loan modification they told me I would have a four month trail to prove that I could make the payments of {$720.00} for four months. Starting date would be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX would be the last payment of the trail period. It was not explained to me that I should have been making the full payment of {$840.00} for these four months. The difference between the payment {$720.00} and XXXX is {$110.00}. They claimed this as a missed payment and reported this to the credit bureau. This gives me a bad credit rating with XXXX, XXXX, XXXX. I would like to have my bad credit rating restored and disputed. They are telling me now that I have missed 3 months of payments and want late fees too. I have bank statements proving that the payments were made. This a debt collecting agency which may report about your Mortgage account to the Credit Bureau. 
So now that has happened and my credit is no good. I have never had this happen before. 
When I have tried to contact this company I have had to wait so long for them to get back to me and then I always get someone different that does n't know what is going on. This has been very frustrating. 
Now if I do n't make this payment by a certain date they will foreclose on my house.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a custom {$970.00} costume from XXXX. The merchant sent a damaged and unusable item. The merchant said she would start a claim with XXXX and send me a prepaid return label to return the damaged item to he and she would give me a refund. I waited day after day and she never sent. I have proof of the text messages of me asking her every day for the label and her ignoring me. I sent records of my phone bill of me trying to contact her and her ignoring me. I filed a claim with the Bank of America and they initially gave me my money back. Then the merchant lied and said she told me I had 3 days to return the item to her on my own. You can see in all her messages that I have from her that that never happened and she told ME to wait on HER sending the prepaid return label. I have pictures of the damaged items that she saw and her response to seeing them. I have all the proof that I need that she sent me damaged goods, claimed she started a fedex claim, ignored me and never sent a prepaid return label and essentially stole my money and left me with damaged goods. She did n't answer any calls or texts and left me to file a dispute against her with credit card company. Where this becomes Bank of America 's fault is they sent me a letter asking for this proof, I have faxed the proof to them twice and have the fax confirmations that both times the faxes went through. They never reviewed any of my proof and sided with the fraudulent merchant. I spoke with XXXX in XXXX and sent the proof to him on XXXX/XXXX/16 when claim was active, I called again when I received a letter saying my claim was denied and spoke to XXXX in XXXX and she said to go to a Bank of America branch and re fax the proof with the confirmation proving that it went through the first time and I did that as well. XXXX at B of A on XXXX XXXX in XXXXXXXX sent it again and AGAIN I got confirmation it went through. XXXX said to call back in 48 hours to make sure it was received and I did that. I spoke to a very rude guy named XXXX in XXXX and he said they did n't have any faxes, yet again. I said I have proof that they received it twice and he did n't care. I asked to speak to a manager and was put on hold another 10 minutes before an even ruder and less helpful guy named XXXX in Maryland came on. He said I was " out of luck '' because they did n't receive anything. But really I am out of luck that B of A is incompetent when I have proof they received my faxes twice and did n't bother to review them. How is my bank, my cc company, siding with a woman committing fraud and they wo n't even look at the proof that THEY asked me for. I am disgusted by their incompetence and lack of effort. I will be canceling all cards and filing a civil suit against the merchant.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I had an overdrawn account at XXXX XXXX XXXX. Due to a long hospitalization from a XXXX, my account went over. I was able to pay the overdraft amount including penalties totaling {$170.00}. Now in order to open another account I have to wait 7 years or pay Chexsystems {$380.00}. I think this is unfair. I paid the overdraft amount plus all fees. And now I have to pay double just to open a bank account.
Consumer complaint received 2016-10-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (TX)

XXXX was provided with my insurance and Texas XXXX contact information to pay all debts related to my assault in XX/XX/XXXX. 
The bills were paid even after XXXX mislead me and kept me in their facility without cause. 
XXXX paid full amounts with exception of a small amount in which case XXXX as well as all other providers were granted the information to send their claims to XXXX Services for payments. All other providers were paid. It was my assumption that XXXX would do as instructed and be paid by XXXX and XXXX for all amounts. I have requested my medical records and billing records on XXXX separate occasions over the last 2 years and provided copies of the protective orders as my information is concealed for security purposes. This month I now have a mark for collections from this provider with XXXX of the XXXX credit agencies. I 'm submitting a certified letter as will be copied to you requesting validation of this debt. I 'm also requesting full records from XXXX and XXXX Services. I do not believe these are monies are due and indeed should have been paid if they were due, by XXXX or XXXX. 
I am undergoing an extension with the no contact Protective Order with my attacker at this moment and have copied all such records to XXXX.