davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Dear XXXX : I had some XXXX seller fees that I paid double on. These were paid automatically, and manually. I was unaware of the automatic payment, which had posted to my bank account. Having sufficient funds to cover this amount, I made payment upon it. I had no other pending transactions or activity. My account was at a positive level. Having immediate pharmacy needs, I withdrew from my account knowingly bringing it to a negative balance and accepting a single overdraft fee of {$35.00} for that withdrawal. From XXXX ( the date XXXX received payment ) to XXXX XXXX when I deposited what I could ) my account still reflected this. I also filed a refund for the double payment to XXXX. On XXXX I was charged with XXXX additional overdraft fees of {$35.00} for the XXXX XXXX transactions ( amounts of {$3.00} and {$0.00} ) made on XXXX before my account was overdrawn. Wells Fargo agreed to reverse the XXXX overdraft charges for payments that were in the amount of {$3.00} and {$0.00} once they receive a refund from XXXX. However, I still can not help but notice that my account balance was sufficient to cover these XXXX transactions before my account was overdrafted by an ATM withdrawal. XXXX has a receipt of payment posting at around XXXX and XXXX before the withdrawal according to the ATM receipt. In addition, a Wells Fargo email shows that my balance was on point to this sequence as of XXXX/XXXX/16. I can only conclude that the {$3.00} and {$0.00} were delayed by the bank after my ATM withdrawal leading to XXXX additional fees of {$35.00} each. Being in California, I beleive that this is illegal XXXX Wells Fargo XXXX which was upheld last month the the XXXX XXXX XXXX XXXX XXXX XXXX I have been making deposits to my account to pay for the single overdraw that I willingly made, however, I am still stuck with {$70.00} of fees on {$3.00} in transactions. I have written to Wells Fargo numerous times and been given the 'run-around. ' This has had a claim filed, correspondence with customer service, and passed up to the executive office with no action yet taken. Word has been given to reverse the charges upon refund, but still this does not mitigate the fact that the sequence of transactions makes the fees unwarranted. Either way you cut it, this rests in a realm between terrible customer service and questionably legal business practices.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

re : Case number : XXXX The company is stalling and refusing to provide a SIMPLE, ONE SENTENCE LETTER, that documents the FACT ( per federal court records and VERBAL statements by the lender ) that my mortgage is NOT IN DEFAULT and that ALL PAYMENTS ARE CURRENT. 

It should not require another FEDERAL complaint to satisfy this absurdly simple request for a one sentence letter documenting my payments. 

The mortgage company is DELIBERATELY being unresponsive and uncooperative. They do n't want me to have the documentation. If they did, they would n't be making such a big deal about it. AND STALLING STALLING STALLING or flat out REFUSING to provide even a simple, one page print out -- -- like they have done every time I have asked for anything from them.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (CO)

My wife passed away on XXXX XXXX, 2016. We were married for 50 years. I notified all of the credit card banks and they all forgave me and my late wife of the money owed the. All but my own bank of Wells Fargo. They said I was co-signer of the card and I must pay them. I reminded them of the Colorado state law that says that I am not responsible for the debt. A month after she died, Wells Fargo said they sent me a credit card for her account. Strange that they would mail me a card a year and a half after ( they say ) I " verbally '' said I would be a " co-signer ''. I asked for me to hear the tape they claim to have of me agreeing to be a co-signer. They refused and told me to hire a lawyer. As a former state representative from XXXX, I served on the XXXX. I realize the problems banks are facing but I had no idea that besides me -- there were XXXX XXXX other customers who were LIED to and cheated by Wells Fargo. I will not be intimidated by them and I wo n't pay these corporate " crooks '' a XXXX. I am XXXX years old and this bank should be there for their customers. I want to file a formal complaint.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I have attempted to dispute inaccurate information on my Experian credit report. Experian refuses to investigate as per my right under the FCRA. The accounts I am requesting investigation on are no longer valid or have not been updated for over two years. Additionally, XXXX of the accounts I attempted to have investigated does not belong to me and belongs to a person I was married to. That account has also been litigated and the person I was married to has a judgment placed against them for that account. Experian states that they are not responsible to investigate these accounts because they were investigated in the past. These same accounts were investigated by XXXX XXXX and Equifax and were all removed from my credit file. Experian is refusing to do its job and that is a violation of the FCRA.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XX/XX/2016 and one on XX/XX/2016. I have the signatures stating that they received them. It also was not marked as disputed on my Experian credit report within The 30 days as allowed by law. It has been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I have been a victim of identity theft. This includes someone using a fake ID to withdraw money from my bank account ending in XXXX. 

The fraudulent transactions include 1 ) XXXX/XXXX/16 XXXX withdrawal 2 ) XXXX/XXXX/16 XXXX transactions from XXXX for XXXX ; XXXX ; and XXXX
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivable Management Inc. (SC)

someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Computer Credit, Inc. (NY)

I was XXXX in XX/XX/XXXX. I resolved all debts with the hospital. XX/XX/XXXX, 2 years after the incident I received duplicate bills that I had already paid more than a year ago. Upon numerous calls to the hospital XXXX XXXX system. I was told that they have installed a new payment system and it is sending erroneous bills and that I should just disregard them and any automated phone calls I have received. Then I received no other bills and received the debt collection notice in the mail. I have paid THOUSANDS of dollars to this hospital over this incident, and I am receiving debt collection on this {$58.00}?
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

Received a collection notice for an apartment that had major plumbing issues. I did what was required to be released from the lease XXXX month early. The manager told me to write a letter of my request due to the unsanitary health issues and now I have received this collection notice. I do not owe them any money, in fact they kept my deposit also.
Consumer complaint received 2016-05-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

XX/XX/XXXX, I began to have problems paying my mortgages. I own rental properties and many of them had loans where the payment was doubling. Additionally, a number of my tenants were having trouble paying their rent due to job issues. My rental property was my only income and I began to have serious financial issues. Consequently, XX/XX/XXXX, I filed Chapter XXXX. My reorganization plan was confirmed XX/XX/XXXX and my Chapter XXXX was closed XX/XX/XXXX. As part of the Ch XXXX, I gave back one of my properties to the bank. At the time my lender was XXXX XXXX. Then, XXXX XXXX sold my loan to Ocwen. When Ocwen contacted me about the loan, I presented them with my court documents showing I gave the property back to the bank. It took over a year and countless phone calls and letters for Ocwen to finally acknowledge I gave the property back to the bank. But finally XXXX ID # XXXX, who is one of their BK specialist, finally did acknowledge I gave the property back to the bank in my Chapter XXXX, and we began the DIL process. When we were almost done with the DIL process, Ocwen stopped the process. They changed their minds and refused to acknowledge my court documents. They said I was still responsible for the loan and I had outstanding payments of about {$50000.00}. This makes no sense. My court document -- Memorandum of Points and Authorities in Support of Confirmation of XXXX Modified Chapter XXXX Plan of Reorganization, page # XXXX -- clearly states I gave the property back to the bank. Furthermore, on XXXX/XXXX/XXXX, I received a letter from Ocwen acknowledging I surrendered the property in my Chapter XXXX. I escalated this matter to XXXX XXXX, Ocwen ombudsman. She was no help. She just kept saying I did n't give the property back to the bank. I need help making Ocwen honor my Chapter XXXX reorganization plan which was clearly confirmed by the BK court.
Consumer complaint received 2015-08-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (HI)

I previously submitted a complaint on same company in XXXX ( case # XXXX ) I received letter from creditor on the case # for Bayview Loan Servicing stating they would discontinue all collection Activity on the loan ( DISCHARGED ). 

I have now received a billing from them again for change of my mortgage interest rate and that I owe {$5000.00} that is due XXXX XXXX, XXXX. 

I spoke with Bayview this afternoon and they said I will have to send them a letter and documentation to show the mortgage account was include in my bankruptcy ( Chapter XXXX - XXXX ). 

they were suppose to have all this information and correct their records back in XXXX as per my case # XXXX. 
THIS IS A DISCHARGED DEBT .... CREDITORS WHO VIOLATE THIS ORDER CAN BE REQUIRED TO PAY DAMAGES AND FEES TO THE DEBTOR ... 

Do you need me to submit all the documentation again? 

they need to stop, HOW MANY TIMES DO I HAVE TO CONTACT THEM AFTER WE TOOK CARE OF THIS IN XXXX.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Ocwen is holding my shortsale hostage. deactivated and replaced payoff quote with same dates and {$3000.00} in extra fees days before closing. 
Approved for sale with first lender ( Ocwen ), and shortsale with equity line holder ( XXXX ) since XXXX, I got a payoff quote from Ocwen and am set to close this Friday XXXX. Today Ocwen deactivated the valid payoff quote and replaced it with another payoff quote adding {$3000.00} in extra fees, knowing that I will have to go to foreclosure if I can not get to closing before they bill me for another cycle of fees. Reading up on this practice, I discovered that Ocwen recently lost preditory lending suits, but is still abusing debtors in distress, and then suing them after they close for more money. Ocwen refers me to the Law Firm XXXX to make requests for fee reduction, and XXXX refers me back to Ocwen - a cycle completed 3 times in less than a week. Closing in on Friday. I need help. 

Law Offices of XXXX : XXXX and XXXX XXXXXXXXXXXX XXXXXXXXXXXX Ocwen Foreclosure Dept : XXXX option XXXX ext XXXX Ocwen Customer Service : XXXX
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I check my balance and it stated I had around XXXX left in my account and everything went thru so I rented a movie from XXXX.after I returned the movie my balanced read it was in the negative XXXX.then a few hours later the XXXX charge disappeared from the report and now my balance was at around negative one.then the next day it stated I was at a negative XXXX.so I was afraid to put any money in till I figure out what is going on with my account.when I was able to speak with someone they said that my XXXX charge reversed itself and the XXXX charge must have been pending.i told them that on my end the XXXX went thru and I was afraid to put in any money cause I was n't getting the right balance.they automatically assumed that I do n't keep a written log and know how to budget my finances is what the problem was.i told them that 's not the case and if I was getting the right information I would have fix the problem before any fees occurred.so they told me that they would take off the XXXX overdraft fee however they ca n't take off the other fees.i told them I need the other fees taken care of but they refused to do anything about it.i do n't appreciate how they treated me.they should of been able to taken care of all the fees and look into what they could do so it will not happen again.i do n't like how they assume that I do n't know how to budget and they did n't do anything g to report the issue so it could be fix.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My loan is serviced by XXXX but the owner of the note is US Bank, N.A. as trustee for XXXX XXXX XXXX XXXX. All along, XXXX states to me to send in a modification package then 5 days later they say sorry the owner of the loan does not participate in loan modifications at all. Im so sorry I know I am XXXX and do not speak english good but there is laws in California regarding they need to review my financial situation and give me options to foreclosure, they say to me pay off the loan, that is your option. XXXX is stationed in XXXX and owner of the loan does not participate in modification, so theses people are allowed to not comply with California laws. This is unfair that the owner of the note hire XXXX ( a complany in XXXX ) to tll us Californians sorry you and your family are going to be homeless. I want to pay my mortgage I have ability to pay, please help me to stop the owner of the note from hiding behind XXXX and not complying with Ca laws.
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services (CA)

I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We are dealing with CCO Mortgage in XXXX XXXX. VA. We are in our XXXX month of trying to get a loan modification, which they told us we are eligible for this and that we also are eligible for other programs. We filled out paperwork and sent forms over and over maybe XXXX times and we are told that they do not have forms and that we are in default because we did not comply on time. We can document and prove that all paperwork has been sent many times. We want others to know that they are also dealing with a company that is not certified by the XXXX.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MN)

We are the law firm that is retained by the borrower to assist with the short sale of their property. The 1st mortgage is a payoff, XXXX is being shorted. File was submitted to Ocwen the 2nd lien holder on XXXX. On XXXX was advised that we were waiting for decision to the approval, XXXX under final stages of approval decision with in XXXX to 48 hours, XXXX file still under review, file was escalated, XXXX file escalated again waiting for evaluations to be received, XXXX file escalated again, XXXX still waiting evaluations, XXXX still waiting for values, XXXX XXXX is attempting foreclosure due to lack of Ocwens review and still pending valuation, XXXX still waiting evaluations, XXXX still waiting valuations, XXXX still waiting evaluations, XXXX still waiting evaluations. This is unacceptable Ocwen has been lagging with this file. It should not take over 30 days for Ocwen to provide the approval for this short sale due to the incompetency of Ocwen the file has now been submitted to the CFPB.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Patenaude & Felix A Professional Corporation (AZ)

I received a message from Patenaude & Felix APC stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have disputed with AMEX the negative information they report on my credit report. AMEX signed for receipt of dispute on XXXX/XXXX/2016. According to the FCRA 623 ( a ) ( 3 ) - AMEX was required to add a statement of dispute within 30 days of receipt of dispute. However on XXXX/XXXX/2016 I checked one of reports and i saw that they failed to add this notice of dispute. i have sent AMEX a letter and proof ( see attached ) regarding this violation of my rights and not being compliant with the FRCA however currently I have n't yet received a response from them regarding their violation nor have they removed the negative information from my reports. 

This is my final goodwill attempt to allow AMEX to clear up this issue and remove all negative information [ in a timely manner ] from my account. Otherwise I will be suing AMEX in small claims court closest to me. I will request {$5000.00} as i have outlined in my letter.
Consumer complaint received 2015-09-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP (WI)

XXXX, and other employees from security finance.. would call my work on a daily bases ... to the point that it jeopardize my job ... because of all the calls that kept coming in ... I asked the finance empolyees ( more than XXXX ) .... Please do not call me at work ... and even when I asked them, not to call my work ... the kept calling. If that was n't enough ... XXXX would go to my home.. and harass my underage kids! Too many times this person called me at work and went to my home ... after I told them ..to please stop.. knowing that I was not home.. ( only my kids ) ..one day my friend was meowing my grass and .. told that person ... my finance situation ... and told that person if, I did not pay they were going to take 21 % of my paycheck until I paid off the loan! These company harassed my in more than one way! is there something I can do? need help please
Consumer complaint received 2016-05-04
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JAMES B. NUTTER & COMPANY (HI)

I am the authorized representative for XXXX XXXX. XXXX XXXX is the consumer who they say owes the alleged debt. 
XXXX XXXX, XXXX first communication was an introduction of who she was, her appointment, threat that she would be taking my mother 's property to sell, threat that if I do not agree with holding open house she would seek permission from a court to sell my property, threaten if I do not agree with her demands the house would be sold at a lesser price because of my non compliance and last she urged me to call her if I did n't want those things to happen. 
On or about XX/XX/XXXXI did call her to ask her what she was doing, she said another debt collector had all the right to foreclose on the property. I told her I did not agree with her open house. She threaten me again and said I will get a court order to sell your house without open house. I told her she had no right. 
XX/XX/XXXXI sent dispute letter, irs, and copy of rescission no response. 
Second communication from debt collector, court order allowing sell of property without open house. 

XXXX XXXX, XXXX sent cease and desist letter. 
XXXX XXXX, XXXX Third communication from debt collector, commissioner 's fact sheet. 
XXXX XXXX, XXXX and XXXX XXXX XXXX. Foreclosure notices with private information advertised in the media.
Consumer complaint received 2016-12-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I applied for a mortgage modification and was granted it in XX/XX/XXXX. Per Ocwen Loan Servicing. No payments for XX/XX/XXXX and XX/XX/XXXX were to be paid per Ocwen. ! st modification patment due XX/XX/XXXX, 1st of 3. That payment was made XX/XX/XXXX. Ocwen is now reporting my mortgage as 30 late, hurting my credit going from 703 to now 504. Tryed to dispute this with Ocwen on XXXX/XXXX/XXXX on phone but Ocwen mortgage will not assist. This false reporting of my mortgage being 30 days late has caused my creditors to now cut my available credit with them in half. I want Ocwen Loan Servcing, my mortgage company to remove this statement from my credit report. My mortgage has never been late but when I applied and was granted this modification by Ocwen with no payments till XX/XX/XXXX, they are reporting it as I did not pay on time ... this is wrong!!!!
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I requested debt validation per Texas Finance Code Section 392.202 which requires a debt collection agencyor credit bureau to provide the alleged debtor with specific information concerning their debt. 

They received by request via certified mail on XXXX and as of today, XXXX, I have not received any response from them. 

According to Texas Finance Code 392.202 ( b ) ( 2 ) the this debt collector had XXXX days to respond to my request and they have failed to do so.