davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

We have a mortgage on a rental home that turned out to be a XXXX adjustable. This past XXXX, 2015, it adjusted and the PITI increased by {$900.00}. We contacted the mortgage holder, ASC, and inquired about a modification. For 4 months we submitted paperwork to them. They asked for paperwork that appeared to have nothing to do with the modification requested. All docs were provided yet they asked for the same documentation over and over and over and over. Ultimately we were denied. On the phone our " representative - XXXX XXXX XXXX '' said we were denied because the property was titled to our XXXX. However the letter we received from ASC said that we were denied because we were NOT behind on our payments. We appealed with reasoning based on the Denial Letter rather than that verbally given by XXXX XXXX. Denied again, even though the property had since been Quit Claimed out of the XXXX and back into my name. XXXX XXXX continues to say the denial was due to the XXXX titling and that our only option is to re-apply for another modification. We have asked XXXX XXXX for documentation showing the denial was due, as he continually says, to the prop being in an XXXX AND for the HAMP guidelines to see if we 're wasting our time requesting a modification. He refuses to provide either, and double-talks us when we point out the inconsistency between what he tells us and the letters we 've gotten from ASC. 

On-line research into ASC shows that there are an amazing amount of complaints against the company relating to modifications including delays, denials or giving specific instructions for people to get behind in their payments so as to qualify for a modification ... and then foreclosing rather than modifying. In our case we feel we were jerked around for 4, now 6, months making payments to ASC rather than shopping for a refinance. For 4 months our file was reviewed by an Underwriter who seemingly had no training at all - evidenced by continual requests for documentation already provided and an obvious failure to understand what was submitted ( we are XXXX ). And now we are being told to re-apply by XXXX XXXX. In an email request for specific modification guidelines, XXXX XXXX states that his supervisor told him he is unable to provide written guidelines for the modification. He also refuses to provide the letter stating we were denied because the property is in a company name. Are n't we entitled to a valid denial letter? Are n't we entitled to know what criteria we need to meet in order to qualify? It seems as if it is a moving target without any specifics, so denials and approvals are random. We are being given a run around and now XXXX XXXX is not answering emails at all. This is definitely fraudulent.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX : XXXX, U S DEPT OF EDXXXX : XXXX 15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C.1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report agency containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MO)

My bank account was compromised due to fraud. XXXX XXXX XXXX made me close the account and start a new account. i contact my credit card company Wells fargo Home Furnishings and informed them about it. In the past one month itself they kept running my EFT payments with the old account almost 4 times a month and then charging me a fee for it. I want all the fee waived and stop them from doing this.
Consumer complaint received 2016-02-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (WV)

I have a loan with Lendmark financial and I have been paying more than minimum for more than 2 years. I called the the company for my pay-off quote and they told me the amount. I quickly made the payment. Few months later they called me and told me that I was still owing them. I went into their office and they saw something they called a glitch in their system. They promised to look into it, but in the time been, we had an agreement that they would be calling me to make minimum payment to avoid credit issue. 
I have been making the payment to agents anytime they call me, while waiting for the result of the inquiry. 

I found out that they have reported a late payment on my credit that has bad effect on my credit. I do have the print out they gave me from the office. When I called the office they were surprised to know that their office reported me to the credit bureau. 
Please help me Thanks XXXX
Consumer complaint received 2015-06-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I have received a line of credit of {$1500.00} from cashnet USA. They was charging interest on my account everyday until it got up til {$1900.00}. My first payment of almost {$200.00} did n't go towards non of the loan. My next payment of {$280.00}, they charge {$160.00} in interest the rest towards my principles. They take {$290.00} out of my account every XXXX weeks. So they are charging extra interest towards this loan. My balance as of today is {$1700.00}. If I make the payments accordingly to how they are taking the money out of my account, I will pay them over {$3000.00} for a {$1500.00} advance credit loan.
Consumer complaint received 2016-12-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have several complaints against Nationstar Mortgage. First, my loan was dual tracked for foreclosure after I submitted an application for a loan modification. Second, I am being double charged " legal fees '' and " property inspection fees '' by Nationstar Mortgage based on the terms of my final loan modification which was to include all of these fees ( notwithstanding the dual tracking ), and third, Nationstar has refused to credit my bill in a timely manner. 

As the attached documents show, I submitted a request for loan modification assistance, and received a confirmation on XX/XX/XXXX of the request. My loan was then referred to foreclosure on XX/XX/XXXX. 

I received trial modification approval on XX/XX/XXXX, and on XX/XX/XXXX received a permanent loan modification. The terms of the permanent loan modification under paragraph 1 state that it includes " any legal fees and related foreclosure costs that may have been accrued for work completed ''. 

Nonetheless, I have continued to receive a fees in the amount of {$340.00} for " legal fees '' and " property inspections '' that should not have been charged in the first place based on the fact that my loan was originally dual tracked, and at any rate would have been included in my XX/XX/XXXX loan modification. I have disputed these fees numerous times, and I have been told various inconsistent things by the customer service representatives. The last official notice brushes the issue aside completely. I am reaching out to the Consumer Financial Protection Bureau to help resolve this matter, since Nationstar refuses to correct it on their own accord.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

In XXXX XXXX I obtained a student loan of {$15000.00} for my child to attend college. 
Over the years I have fallen behind a few time because I have XXXX daughters to raise. I was repeatedly offered to put my past due balance to the rears of my loan to bring it current. Basically the collections department does not offer any help other than to increase the amount owed by refinancing every time you get past due. On XXXX XXXX, XXXX I will have been paying on this loan for 10 years and I still owe {$10000.00}. Navient debits my account each month. The collection department also has called my family members and let them know about my past due account. To date I have paid {$19000.00}. My child went XXXX XXXX XXXX XXXX, Tn.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-01-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number : Select Portfolio Servicing ( SPS ) Estate of XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX. 

Dear Sir/Madame I wish to raise an official complaint regarding SPS appeal process of the assumption of XXXX. My account was reviewed improperly. 

Background : I requested an assumption for the above loan. The Assumption request was denied on XXXX XXXX, XXXX, based on the Estimate of the Net Present Value of the property of {$390000.00}, therefore the investors would not approve the assumption. If I disagreed, I had 30 days to appeal. On XXXX XXXX, I appealed the notice of denial based on NPV was {$250000.00}, by providing the required documents. On XXXX XXXX, XXXX, I received a letter requesting additional documentation, since property comps must be provided within a one mile radius, which was not clearly stated in the Appeal documentation required. On XXXX XXXX, XXXX I submitted the documentation for property comps within a one mile radius as requested, plus all the other documentation initially submitted on XXXX XXXX. On XXXX XXXX, I receive a notice that appeal was denied, because I did not submit the appeal within 30 days of Notice of Denial date XXXX XXXX, XXXX, which was incorrect. I submitted the appeal on XXXX XXXX. I have called SPS multiple times after receiving the letter and had the case reopen for review on XXXX XXXX, XXXX. 

So what 's the ISSUE? 

During the above process, I have called and I continue to call SPS weekly to attempt to speak with the Customer Advocacy group or someone who is handling the appeal process to discuss my appeal. No one will speak with me or call me back from the customer advocacy group. I was told by the customer service call center they would call me back. NO ONE CALLS ME BACK from the customer advocacy group. From XXXX XXXX, XXXX to XXXX, XXXX, my file has been transferred to multiple people within the advocacy group. The appeal case has been transferred to XXXX XXXX, XXXX XXXX and XXXX XXXX. As a result, my appeal is continuing after 4 months, due to improper review.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a modification with America 's Servicing Company XX/XX/XXXX. I was approved for a previous modification 3 years prior to this one, but fell behind due to loss of income. I paid an attorney to fight this recent modification because it was my XXXX, and a few organizations said that they would not assist. I appeared in court with my attorney several times but the banks attorney 's were constantly unprepared and late. 5 years later they offered me an in house modification. When my attorney and I appeared in court to negotiate the terms, the banks attorney did n't show up and the case was thrown out, that was XX/XX/XXXX. Now the bank is starting a new case and they are calling me to pay the balance in full, which is now XXXX. I spoke with their escalation department and explained that I was offered an in house modification already and would like to go over the same terms to see if there was room for negotiation, the payments offered were very high. I received a call yesterday and they stated as of XXXX/XXXX/XXXX, my loan is back in foreclosure status. Naturally, they want to rush it back in before the statue of limitations are up. At this point my salary has been stable for the last 6 years and my income is well over the required amount to afford the mortgage payments, but because they have n't allowed me to pay the mortgage for almost six years, I feel they are making it impossible to come to an agreement to pay them back. I want to keep my house and pay my mortgage. They are saying I make too much and it is not my primary residence. When I purchased the house, I lived there and since have moved and rent it out to tenants. My salary plus the rental income puts my yearly gross to over XXXX per year. That seems to be an issue for them. The guidelines also say that it has to be your primary residents, but it was at one time. I worked in the mortgage industry for many years before the market crashed and it took me a few years to get back on my feet. Now I 've been on my feet for several years and now do not meet the qualifications because I make too much. This mortgage situation is stopping me from moving on and getting my life back in order. My credit is affected, I have a son in college and I have to pay out of pocket because no one will give me loans due to my credit issue. I just want to start over and pay my mortgage but it seems impossible. I need to know which laws protect consumers who in the past, had a loss in income but have since increased their income and need to settle their modifications that have been in limbo for almost 6 years. This senerio does n't seem to fit the government programs available but there has to be out of the box scenerio that fit another criteria. I just need to know my rights as a consumer and I do not want to pay another attorney 10 's of thousands dollars to fight this case for me again. Plus it can drag on another 4 to 5 years because it 's in XXXX county. Please help me.
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (VA)

We applied for an FHA refinance with Wells Fargo in XXXX 2016. The loan was approved, and we anticipated closing in XX/XX/XXXX. They send they could not close the loan in XX/XX/XXXX and charged us a rate lock extension fee. We then anticipated closing some time in XX/XX/XXXX, they again could not comply with this and charged us a additional rate lock extension fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We now have a letter from them with over {$7000.00} in rate lock extension fees and still no anticipated settlement date. We have been calling, e-mailing, regular mailing them and they have not responded in any way except to send additional rate lock fee extension agreements. We are now trying to have a new lender provide the mortgage but need the FHA appraisal assigned to them. Our loan officer at Wells Fargo has stopped communicating with us. We have tried calling, e-mailing, and mailing our loan officer, his processor, his supervisor and have received no response. We requested in writing that they assign the FHA appraisal to a new lender and they have not responded.
Consumer complaint received 2015-08-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TN)

I had a co-worker tell me about refinancing my home with Quicken Loans ... I called the company to ask what they could do for me etc ... I gave them all the info they need reguarding my home etc ... the guy pulled my credit score which was XXXX he said, he could combine my mortgage and debt i had and save me about {$260.00} a month and that I could write off mortgage than my debt every year and save me money ... they sent out an appraiser etc. I lost {$500.00} of my money now ... since we were trying to get a loan for about {$180000.00} and house appraised for refi only, he gave me $ XXXX, he was maybe at my house XXXX min .... my Realator said, he low balled the amount, min. should 've been $ XXXX as high as $ XXXX ... Not only have I lost my {$500.00}, but I felt mislead ... So upset over the whole thing, I was just trying to consilidate. I had some equity already when I purchased the house 2 years ago this month.. 

thank u, XXXX
Consumer complaint received 2023-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TN)

company being used now are LOCKHART, MORRIS & MONT. Different companies are being made in attempt to fraudulently collect debt using my personal information associated with Tennessee XXXX XXXX. More evidence can be found in my previous complaint. The item is also being reported with a false address. I've never lived at that address.
Consumer complaint received 2016-04-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I contracted my mortgage company, Wells Fargo Home Mortgage to try to make a mortgage payment and arrangements to bring the loan current. At the time, I was 3 months delinquent. They refused to accept the payment and instead advised me that I have to have all three months at once in order to accept the payment. I escalated the call to a supervisor, who told me the same thing. I advised them I would file a formal complaint because I am trying to give them money and they are refusing it. I was transferred to the Executive Complaints Unit and was advised that I could apply for a modification. I submitted my paperwork and within 2 business days received a call saying it was denied, but that I could appeal. The agent that was assigned to me flat out told me not to bother to appeal because it would not make a difference in the outcome. I had no options but to come up with all of the money to reinstate.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open XXXX  Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX XXXX  XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX mos ) Open Type Responsibility Remarks Individual
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

Bought vacation package by paying with Citi credit cards, had problems with merchant and disputed the transaction. After a month Citi cards wrote me official letter stating they can not help me with my dispute. Spoke with many supervisors but noone seemed to care about my problem and just told me to deal with merchant myself. Never had that kind of issue with XXXX XXXX or XXXX card. 
Very horrible way to loose a loyal costumer.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

Our Wells Fargo Home Mortgage Loan Number XXXX, recent Interest rate hike is more than reasonable. For XXXX years our base rate was 2.25 %, bought down by an initial substantial payment. Now interest is being raised by the full Libor rate. 

This week Wells Fargo advised that the rate would be the full Libor plus the initial rate or one they calculate to be 3 %, a 33 % gain when it is well known that there has been no substantial gain in interest rates over the last XXXX years. For a year, based on my {$150000.00} mortgage, this results in an additional {$1000.00} increase in payments. Based on this, the next five years, assuming a 1 % Libor each year, would cause the rate to be 7.24 %, a full 322 % gain, or at a minimum, an additional cost to me of {$5200.00}. This is usury. 

The loan agreement does stipulate this Libor rate increase but it is XXXX '' thick document, over XXXX pages, and I missed the full Libor increase clause when initiated. I thought, when they said an increase it meant the percentage change in the rate, not the full Libor rate. A change would mean subtracting today 's Libor rate from the original rate and using the sum as the adder. This would be reasonable. 

Credit score is not in question because mine is XXXX. Is there anything you can do to relieve me of this additional cost?
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

I am currently in bankruptcy. Yesterday, I received notification from XXXX XXXX that my mortgage company paid my annual homeowners premium. This is unusual as I have been paying my own premiums for years and have documentation to verify this. When I contacted Nationstar, they said it was part of my loan modification, a modification I have made or authorized which is verified by talking to the Bankruptcy dept. I ca n't get anywhere with getting the escrow removed. I have been approached by my mortgage company twice for a loan modification. On review by my bankruptcy attorney, I was advised not to do a loan modification as the terms Nationstar offered were not in my best interest. However, now they show I have agreed to a loan modification and they created an escrow account which now has accrued to XXXX that they say I owe, despite no written record of a loan modification. I never agreed to a modification and that amount is the difference between what I have been paying and the amount the modification would have been.