davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Consumer Adjustment Company Incorporated (MO)

On XX/XX/XXXX I had a XXXX performed at XXXX XXXX Hospital. In late XX/XX/XXXX I was contacted by phone requesting payment in the amount of {$3200.00}. I had never received a bill or statement. At that time I was told there had been issues with statements not getting mailed out and that the representative would request another XXXX. Still no statement showed up. I finally received a statement dated XX/XX/XXXX for {$3.00} and paid it in full. I have received nothing since then and assumed my obligations fulfilled. On XX/XX/XXXX I was contacted by a collection company by the name of CACI to collect a balance on my account of {$530.00}. My account had been turned over to collections for an amount that I knew nothing about. No statement, no phone call, nothing for XXXX months since my procedure indicating a bill of {$530.00}. I feel as though my consumer rights have been violated. I was never educated in the fact that I owed any remaining money. I spoke with a representative from XXXX Hospitals today XX/XX/XXXX that again admitted that their system failed to send out statements, yet no resolution regarding the fact that my personal credit has been affected by a submission to a collection agency. I feel this is very wrong. I am an educated and healthy person and can not get anywhere with this entity. I feel strongly that someone should speak up on the behalf of the ill and under educated individuals who might also be affected in this situation. Thank you for your consideration in this matter. I would be more than happy to address any questions.
Consumer complaint received 2015-08-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IQOR US INC (FL)

I paid off a XXXX XXXX student loan in 2008. I was not aware that an additional interest charge had been posted until some years later when I was contacted by Allied Interstate LLC who stated I owed {$300.00} ( the amount I had paid off was around {$600.00} ). Sometime in XXXX of this year I received a letter dated XXXX XXXX, 2015 that offered a settlement amount of {$45.00} if it was paid within 40 days of the date of the letter. I mailed a check to them on XXXX XXXX which they cashed on XXXX XXXX. That same day Allied Interstate LLC sent me another notice stating that I was still to pay the remaining balance and no mention of the settlement that was offered in the XXXX XXXX letter. They are refusing to uphold the terms of the settlement that they offered of their own free will and accord.
Consumer complaint received 2016-11-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I believe Wells Fargo has used predatory practices concerning my XXXX. I acquired this loan XX/XX/XXXX I was not told by Wells Fargo that the second mortgage I acquired would be XXXX % rate at the time of purchase and I ca n't find any supporting documentations associated with this loan embedded in my loan document. 

My loan has been sold several times and they cant find the trail of my original document. The outstanding balance is XXXX due XX/XX/XXXX. I will not be able to pay this amount and risk loosing my home. I have been in contact with Wells Fargo several times since to help me resolve this problem and ask for help. I contacted XXXX in XX/XX/XXXX and they helped me contact Well Fargo. This was the first time I got an expedient response and I was told my application was declined due to my Loan to Debit Ratio. 

I am currently upside down on my home and the value has plummeted. I tried the Obama option, but was told again that my Debit to Ratio is too high. I was told that if I was not currently in debit they ca n't help. When I asked Wells Fargo again about my options, I was told I had to wait to closer when the loan matured. I was concerned that this would not be the best decision. I was told my only option would be a Home Line Of Credit at XXXX % interest pending an application.. 
I would like to roll the remaining balance into my first mortgage. 
I 'm currently afraid of loosing my home. 

Can you help in resolving this matter or have any advice? Thank-You for taking the time to read this correspondence.
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AR)

My husband and I had a checking account with Regions bank from around XXXX and during that time we found that the bank would change the order of our transactions until they were listed in a way that we would overdraft our account multiple times instead of the XXXX overdraft that should have occurred. Sometimes there would have been no overdraft fee at all according to their policy bc it would 've been under {$5.00} but after the transactions were rearranged there would be multiple overdrafts. Over the span of time we had this account we were charged thousands of dollars in overdraft fees because of them rearranging the transactions. We have recently found out that this practice is illegal and that regions bank has been fined for illegal overdraft fees. What can be done about our case? We quit using our account and now my husband has a debt collection against his credit as we refused to pay anymore of their bogus fees. Our debt to them stands as proof of the amount we were being charged in fees at XXXX time. Please help us
Consumer complaint received 2015-05-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I could n't find an option that best fit my complaint. I took out a cash net loan a few years ago paid it XXXX by now but the first time lost my letter which is my fault. I paid it XXXX XXXX of this year and had them email me a copy of my paid in full. The next day they tried to have me pay it again after harrasing me they got a paralegal involved and she resolved that it was paid and I did n't owe anymore which i have a voicemail proving that. A month later they called my father trying to get him to pay my already paid debt. I 'm XXXX years old and do n't need my father involved on my behalf. I called and resolved it with the paid in full letter. Today I recieved a call trying to get it paid again. This company is harrasing me even though my debt is paid off. Can you please help me?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-11-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. XXXX. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

my mortgage statement indicates my payment increased from $ XXXX to $ XXXX in two months, how is this possible and there is no way I can pay that amount. I need answers and I have not been able to get my IRA transferred to Wells Fargo to pay the negative escrow balance of $ XXXX. I am so confused and do n't know why the bank is hurting me so bad. I originally purchased this home for $ XXXX and now their trustee that I do n't know and have not been able to talk to, has my mortgage payment up to $ XXXX and they say my home is being taken away from me today. I do n't know who is telling me the truth and I do n't know why I ca n't get any help. I ca n't take it anymore! I have lost my wife, kids, home, job now and I have nothing left to live for. Please tell them not to take my home and help me get my retirement transferred over to them to pay their fees and add on charges. I know I ca n't fight the big bank but I have been trying to beg for help since 2011!
Consumer complaint received 2016-12-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I HAVE DEBT ON MY CREDIT REPORT FROM WELLS FARGO STATING THAT I OWE THEM {$270.00}. THE PAYMENT STATUS IS CHARGE OFF.HOW CAN THEY CHARGE OFF SOMETHING I NEVER KNEW I HAD WITH THEM. I HAVE HAD AN CHECKING ACCOUNT WITH THEM AROUND THE SAME TIME. IM UNSURE OF WHAT TO DO AT THIS TIME.
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Other — 
Company: Financial Credit Service, Inc. (AZ)

XXXX XXXX XXXX called me this morning prior to XXXX XXXX. Threatened to obtain another judgment in XXXX XXXX, TX on behalf of XXXX Bank. I advised the collector that I never had a XXXX Bank account. She said " oh yes you did '' and again threatened to obtain another judgment against me. There is no judgment from XXXX Bank on my credit report and I have never been advised that I had a judgment against me. XXXX can not threaten to obtain another judgment. They can not re-age a debt and they can not threaten to sue on an out of statute account. Yet the collector threatened to do that.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

Unresolved account Settlement : As a final result, " we 've determined the payment was not cashed by us '', after all the payment are delivered to the address provided on the payment stub from the other Money Orders received and post it on my account! The result is unfeasible because it is leading me to believe that the Account Payable Department are going on lunches on my expense, cashing these money orders to different places instead of posting it to my account. 
Since than, I have sent XXXX additional payments, XXXX on XXXX/XXXX/2015 for {$210.00} and another XXXX on XXXX/XXXX/2015 in the amount of {$74.00} ( balance from adding all of my receipts and confirmed from the last statement of XXXX/XXXX/2015 ) which should bring the current balance at {$0.00} again. 
It has been my experience that Customer Service is well practice from the people working at the gas stations, always treated me with respect as well as the agents when calling about my account issues. 
Unfortunately, after submitting all of the supportive documentations several times about money order payments, written the same way, sent at the same address provided on the payment stub, confirmed legitimate address due to, receiving back the Certified Mail Post Card, and cashing them of which some are not getting post it on my account, causing the balance due to fluctuate outrageously amount after each time a manager get 's involve. 
Furthermore, I have great concern about how the company 's Account Payable Department is attending their affairs, such as : - The money orders are received, cashed, written and submitted the same from the ones that are post it as 'Last payment Amount '' and some that are not. 
- Continuation of " Current Balance '' fluctuating higher after payments received and confirmed by your agents. 
- Inconsistency about my account information when speaking to the managers that are disrespectful ( strongly suggest to lesson to your recorded calls ). 
- Repeatedly losing the money orders sent on a timely manner. 
- No confirmation by manager about the interoffice practice in your company. 
These factors are raising a great concern because it is SABOTAGING my account to possibly damaging my credit score. 
How would you feel if this would to happen to you? 
With all due respect, I am demanding that my account be resolve immediately of which it has been going on since XXXX 2015. Please, adjust all surcharges for late payments and to reimburse me of all of the money spent proving a legitimate business with your Company. 
I hope that you understand my frustration and help me about my concerns.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

This loan was incorrectly reported as past due in XXXX 2014. Attached are my PHH Mortgage account statements dated XXXX/XXXX/2014 and XXXX/XXXX/2014. The XXXX/XXXX/14 statement shows that the account had been brought current prior to that date, including all payments, late charges and any other fees, with nothing owed until XXXX/XXXX/2014. The XXXX/XXXX/2014 statement shows that the XXXX 2014 payment had already been paid and that on XXXX, no payment was due until XXXX/XXXX/2014. Yet this account still appears as past due 120 days on XXXX/XXXX/2014 on my credit report. Based on the attached information, please correct my credit report to reflect my true credit history. I look forward to your response.
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC. (CO)

This letter is being sent to you in response to the above reference account that BC Services INC. has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf BC Services INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Allied Collection Services, Inc. (Nevada) (MI)

I filed for Chapter XXXX bankruptcy and XXXX was aware of the debt. I disputed the amount owed and XXXX would not reduce the amount to the correct amount. 

I never received further communication nor did I receive any communications from Allied Collection agency to review the bill as well as dispute the amount. They posted the account open on XXXX XXXX 2015 yet never notified me. I only found out today because my score dropped almost XXXX points which was a XXXX credit score and now is a XXXX - ruining my credit and defaming my name.
Consumer complaint received 2016-09-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

On the XXXX show XXXX while they are showing a buyer looking at a home for sale, a flash at the bottom corner of the screen, says " XXXX payment is {$2000.00} ''. 
being in lending for 48 years, I know that in order to quote a payment, you must also show, APR, loan amount, term, etc. 
ALL THEY QUOTE IS THE PAYMENT!!!!!!!!!!!! 
XXXX XXXX is owned by Quicken Loans, a huge National Mortgage Company. 
This is not right for them to do this, and must be stopped now!!!!!!!!!!!!
Consumer complaint received 2016-10-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NC)

I closed on a loan with the Mortage Company, Quicken Loans, I closed with a fixed 30yr rate set at one montly rate. I had the loan since XXXX 2016, four month an now they send me a notice, stating that my montly Loan payment amount is going to increase by {$60.00} or {$70.00} per month. added to what im paying now. I cant afford it I have XXXX kid 's to support, an pay childsupport, is n't something like that illegal, I have a fixed montly rate, my insurance has not increased, an my tax rate has not, change. I have the Loan for four months. can you please help me.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar Mortgage wrongfully foreclosed on a mortgage on XX/XX/XXXX in violation of the rules for protecting successors in interest. The XXXX year old complainant was on the deed and mortgage with his now deceased wife. Only the deceased wife, however, executed the note and only she was considered to be the borrower. Both the husband and wife were on the deed as " tenants by the entirety. '' They bought the home XX/XX/XXXX. 
The foreclosure sale was conducted in violation of 12 CFR 1024.38 ( b ) ( vi ) which requires identification and communication with successors in interest. Nationstar refused to communicate with the complainant after the death of his wife. He would regularly place calls to Nationstar after getting the monthly bill, but Nationstar would always hang up on him, telling him that they did not know who he was, despite his detailing the death of his wife and that he owned the house with her. One one occasion, a Nationstar representative threatened to call the police and obtain a restraining order against him if he continued to call. 
Eventually, Nationstar gave notice of foreclosure and then the XXXX contacted an attorney who sent Nationstar a Notice of Error in XX/XX/XXXX. Only then did Nationstar send the complainant a Loss Mitigation application. He timely submitted the application. Nationstar, though, failed to notify the complainant of the status of his application. Again, during a telephone call with Nationstar, the servicer demanded to know if the complainant was named as the executor or administrator of his wife 's estate. When he answered " no '' and tried to explain that no estate administration was necessary under Massachusetts law because of the tenancy of the entirety, the Nationstar rep said that they could not speak with him and hung up. The complainant 's attorney sent two more Notices of Error to try to obtain loss mitigation for the complainant, but Nationstar went ahead with the foreclosure sale despite being informed that it had violated the RESPA regulations.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We started with XXXX, sold to XXXX. Went thru a trial modification with XXXX and were told we we APPROVED FOR PERMANENT MODIFICATION, never received papers and then told " sorry, miscommunication, you 're not approved ''! Started MHA program application and XXXX sold loan to Select Portfolio. Have submitted docs to SPS thru HUD agency but SPS always says they never got them. HUD agency never got an answer from them so now they serve foreclosure notice. Sent SPS QWR but they send one doc and that 's it