davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I do not feel I 've been getting fair opportunities to obtain a new loan modification to keep my home. Even the first modification in XX/XX/XXXX was questionable whether it was fair, my 3.75 % rate remain the same, even though rates were low in XXXX. And a list of following complaints and questions about my mortgage company : Why I am not able to apply my equity to my {$25000.00} plus loan deficit and put the loan in the rear and can get a new modification from my loan company? 
I had and have multiple reduce of incomes over the last two years. 
Previous modification in XXXX was not reduced enough to support my income. My 3.75 % interest remain the same, although rates were down considerably during XX/XX/XXXX. 
I am asking for an investigation of the last mitigation from my loan company whether I was within the 31 % of my income bracket. 
What about being able to get a Tier 2 in house modification? 
I had several hardships in the last two years, but I feel they are overlooked and have not been considered viable to getting a loan modification. 
I am requesting a copy of my loan company DEED, to see if my title was accepted and delivered to my loan company from my original mortgage company, to show if my current loan company has legally obtained my deed. 
I am requesting an investigation into whether my equity in my home has been used by my current loan company during my several requests for trying to negotiate ways to keep my home ... however, my equity has not been used to pay off my {$25.00}, 000 loan deficits. Why??????? 
Whether my income was low or high, the I never was within the 31 % bracket to obtain a new modification, Why???? 
Who are my loan company lawyers that are calling asking for personal information, but do not say who they are and who they represent? Who are the lawyers putting foreclosure information on my door, but do not say who they represent? Are they my loan company lawyers? 
I am investigating whether my loan company is legally my loan company that I been paying since XXXX? Was my deed and title transferred through acceptance and delivery? Or was this another " robo copy '' transfer? '' I am submitting a new Mortgage assistance application on XXXX, hoping my loan company will negotiate another modification, if my loan company is my legal mortgage loan company.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Jemcap LLC (NY)

I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the City Register of the XXXX. 
I requested for an explanation during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX and when XXXX or XXXX indorsed the subject note to XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I HAVE PULLED MY REPORT AND SAW THESE ITEMS APPEARING THAT I AM NOT AWARE WHERE THEY CAME FROM. I DEMAND THESE ITEMS BE DELETED FROM MY REPORT. BELOW ARE THE ITEMS THAT I AM DISPUTING. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (AZ)

On or about XX/XX/2017 - I applied for Chase Saphire Card. I have credit score of XXXX. But my card is rejected it seems. How come they can reject my application even with this high credit score? Moreover this application hit my credit score by XXXX points.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX. I paid and mailed the {$51.00} charge on XX/XX/XXXX. Target delayed processing the payment until 1 day after the due date and then submitted a late charge. I have subsequently sent XXXX letters to XXXX different Target address. No one has responded to any of these letters ( see attached ). Note that I have perfect credit with unlimited charging available on my XXXX.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RJM ACQUISITION LLC (CO)

We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FBC MORTGAGE, LLC (CO)

I make bi-weekly payments with the belief that early payment is being applied to the principal of the loan. Mortgage company however does not apply partial payments until due date. Therefore, I get no benefit from early payment. I also make an extra payment each year. I am under the impression that all early payments are to be applied to the principle as I do not have a prepayment penalty clause on the contract.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (WA)

I have a 40 year ARM that adjusts yearly. On XX/XX/XXXX, I exercised a one time option to fix my loan at the current rate without the need to refinance. Per the " Adjustable Rate Mortgage Disclosure Notice '' I requested this option on the above date with a letter in writing. 

In XXXX of XXXX I noted that I received an " Adjustable Rate Mortgage Disclosure Notice ''. My payment had gone up and the rate had not been fixed. 

I contacted Union Bank, they stated, they did not receive my letter and will not honor the request. They will not acquiesce to any concern of mine that the letter was overlooked or intentional neglected. Do I have any recourse?
Consumer complaint received 2017-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: LEXISNEXIS (TN)

Vetting Agents - I was told to submit this way due to no topic that fits. 
2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. 
I am a XXXX employee XXXX. 
In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. 
we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. 
After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. 
But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. 
We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. 
I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rossman & Co & PCB (TN)

I have Medical Insurance this is from a Car Accident I communicated with hospital that they needed to charge my Insurance first XXXX Car Insurance 2 nd I done so many times never had gotten a notice of this going into Colection
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (FL)

It forced me to select Communication tactics however that is not the issue at all. I am trying to buy a house and I need all dispute remarks removed from my credit report in order to get approved for a loan. I have called the credit bureaus multiple times to get these remarks removed and LVNV Funding LLC continues to put dispute remarks back on my report after removal. I DO NOT want to dispute this account. I want the dispute remarks removed immediately once and for all. I have asked for this multiple times for over 3 months now.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: First Recovery Solutions, Inc. (NJ)

On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I have disputed the information directly with Nissan Motor Acceptance and they have refused to correct the late payments. I have also requested removal of the account from my credit reports because the account is paid in full and closed.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

I paid XXXX for XXXX  XXXX but couldnt have XXXX because XXXX  said my XXXX was not strong enough so the owner agreed to a refund and we both signed a settlement agreement with dates agreeing to pay me that they did not pay me on then I received a email with new dates stating I would receive the money then and I didnt so I put in a dispute with my bank I did everything Chime asked me to do I wrote a essay I submitted a receipt I submitted conversations between me and the owner in Chime denied my dispute and when I asked them to explain to me why they cant even explain to me why my dispute was denied I really need help with getting my money back
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (ME)

Hello, I believe Paypal has illegally seized {$9800.00} from an illegal debt collection attempt ( debt 10 years old and not under my account ). These potentially illegal policies undertaken by Paypal effect many Americans who have been very vocal but as of yet not heard. I appeal to you to please investigate Paypal. I have included my story below. 

On XXXX/XXXX/XXXX Paypal limited my account so I could no longer remove my balance until I contacted them. When I called they informed me that I owed a balance of {$1300.00} and they were freezing my account and my wife 's account until it was payed. This {$1300.00} dollar debt was not part of either of our accounts and was not our debt however they " hard linked '' our accounts to this defaulted account and held over {$13000.00} to cover a {$1300.00} debt that was not ours to begin with. To add insult to injury this debt is from XXXX XXXX, well outside of any statute of limitations date in America. I feel this debt collection attempt was illegal. 

I called Paypal to inform them of this illegal debt collection attempt and I was finally put in touch with an individual named XXXX who was 4 supervisors up in the call chain. He assured me the problem was fixed and the debt was cleared off our accounts. He spoke of white listing the defaulted account. 

On XXXX I attempted to move funds from Paypal to my personal bank. It was blocked. Paypal stated they wanted more information. They asked for my drivers license and a copy of my invoices. I complied. Within the hour my account was shut and my money seized and I 'm now being told I must wait for 6 months to receive my funds XXXX if there is any truth to that ). 

I 'm being harassed for an illegal debt collection that is not mine and now Paypal has seized my cash balance of {$9800.00}. Paypal has seized {$9800.00} to collect on a 10 year old debt for {$1300.00}. 

Thanks for you time and help, XXXX XXXX
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NAM National Arbitration and Mediation (NY)

My complaint is against the ADR Group located in XXXX, CA. XXXX ( XXXX ) from the ADR Group called my father 's house looking for me today. First off I 'm upset because they care calling relatives to try to locate me!! I have been at my current address for 19 years and have never received any kind of communication from this company then all of a sudden they are hunting me down and when I do call them back they are threatening to take me to court and file a civil suit against me for a {$750.00} They said it 's for a XXXX bill from 2001. I had a friend call them back to see if she could find out any further information and she spoke to XXXX. XXXX could n't answer some of her questions so she put XXXX XXXX ( XXXX ) on the phone who told my friend that the company ( XXXX ) waited 10 years for the statue of limitation to be up to take me to civil court to collect this debt. I 'm just wondering why they would do that because if I owed them why have n't I received any communication from them? He also said I could settle the account today and today only for {$350.00} which will not be possible because I am unemployed. He gave me two options to pay {$75.00} a month until I pay it off or settle the account for {$350.00}. He also asked for checking account information and a date to collect on the settlement amount. I 'm very leary of giving someone access to my friend 's account and she called the bank and they told her not to do that ( I do n't have a checking account ). XXXX told my friend that I had until XXXX today to call them and give them checking account information. I am not employed and I do n't have a checking account. It 's not right that this company would contact me about an account that I ca n't remember, and on my first conversation try to get me to give them my personal checking account information and all they are telling me is that it is an old XXXX bill without showing me NO proof. Can you please have this company stop calling my relatives and to close this old account and not to take me to civil court. Thanks
Consumer complaint received 2017-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CT)

My husband and I sold our house with a short sale on a closing date of XX/XX/XXXX due to extenuating circumstances. The mortgage was held by Wells Fargo and the closing completed by the law firm of XXXX in XXXX, CT. Wells Fargo did not process the closing correctly and I received a negative report on my credit stating that my husband and I were late on mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. We did not own the house during these months. I disputed this through Wells Fargo and they denied my claim and put a Compliance Condition Code on my Credit Report. I asked to have this code removed from myself and my husband 's Credit Report. Wells Fargo told me that I could only have the Compliance Code removed if I agreed with them about their findings. I told them I just wanted to the code removed. I was informed by a XXXX that upon removal of the code, my credit number would not be effected. The code was removed and within 1 day my credit score dropped over XXXX points as reported by XXXX on XX/XX/XXXX. Comments were added and changed on my credit report. Now, my husband and I still have the late XX/XX/XXXX and XX/XX/XXXX payments for a house we did not even own and I have a worse credit report than before I filed the dispute.
Consumer complaint received 2017-03-31
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried to open a one year CD for {$2500.00} with the Capital One Bank on XX/XX/2017. 
I was told that before a CD account could be opened as a joint account both owners would have to be verified by Capital One Bank through a deposit in their checking account. My wife and I both have a joint checking account with the XXXX. I was told that both owners of this CD must be verified by Capital One Bank before, they would transfer the {$2500.00} from our joint checking account. My wife XXXX XXXX spent several hours on the telephone with several Capital One Bank employees providing them with the required information, that is date of birth, Social Security Number, XXXX Account and her Capital One Credit Card. She had established an old Sign In Name that was used more than 5 years ago when she had a Capital One account which she closed 5 years ago. The Capital One Bank employees that she talked to could not correct this problem and would not verify that she was the joint owner of the New CD that I wanted to establish with Capital One Bank. 
They then transfered the {$2500.00} from my XXXX checking account, but stated that they are still not going to open the CD account because they can not verify the identity of my wife, XXXX XXXX. Capital One Bank stated that they will not release my money back to XXXX Checking Account or open the requested one year CD for {$2500.00}. My money has been placed ON HOLD by Capital One Bank
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Massachusetts Educational Financing Authority (CO)

I have had my student loan for 5 years. I had deferred and reduced payments ( due to income ) for the first few years but have been paying the full amount for the past three years. I am building a plan to make extra payments to pay the loan off faster, as part of the planning I called the servicer to get a payment schedule / amortization schedule. They are unable / unwilling to provide this, they sent a letter saying I have approximately 108 payments left. There was no information about interest calculations etc. I know the balance, rates etc and can calculate a simple interest payment but wanted to see their calculation to both make sure my calculations were correct and to make sure I 'm not being taken advantage of by a company I do n't trust. I 'm astonished that they wo n't provide the most basic repayment schedule. I have worked in lending and written loan notes for years and have always provided a payment schedule. I got this loan for a XXXX and it 's one more reminder that I made a bad decision. It makes me suspect I 'm being taken advantage of in the repayment process.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote TransUnion to dispute bankruptcy information on my report that is affecting my credit score. I asked for specific verifyable documentation proving this is my information, which they have not provided. Civil Case # XXXX XXXX, XXXX XXXX XXXX v. TransUnion LLC violated the consumers right to fair and accurate reporting.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

XXXX and Navient have been the services on my student loans. They have misapplied payments across my accounts which caused several to default, never fully disclosed all the options available to me, guided my towards forebearance instead of other plans and have ruined my credit. I 've had loans since around XX/XX/XXXX and only heard about consolidation and/or other payment options in XX/XX/XXXX from one of the collection agencies that called me. It was n't until I initiated the consolidation and payment plan process that Navient ever worked with me.