davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (NC)

We refinanced our mortgage with Loan Depot. At closing they collected XXXX for the XX/XX/XXXX property taxes. However, this a non-escrow refinance. They claimed that they must collect this outstanding tax to do the closing. Closing on XX/XX/XXXX. Taxes first due XX/XX/XXXX and there is no penalty until after XX/XX/XXXX. I recently call my tax office after I received the tax bill and it was for the full amount. They have no records of having any funds being applied to this account. I called servicing department who referred me to the Loan Depot Escrow Department and they sent me back to the servicing department. I spoke to a manager and they claim it was sent XX/XX/XXXX. I contacted the mortgage officer and he inquired with servicing department. After 5 days I recontacted him and he reiterated he reached out to the servicing department. Three more days past and I get an email from yet another Loan Depot department-Customer Care. They claim it was sent out " on or about XX/XX/XXXX '' .. That was closing day. On or about means they are not sure. They say if XXXX County, NC tax office has not received it I should contact the mortgage servicing officer. It is like a shell game. I do not see how one collects tax money before it is due and on a non-escrow account. They have no right to hold the money and ca n't explain where it is.
Consumer complaint received 2016-06-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

1 ; Justice Dept. fined Bank of America ( BOA ) XXXX " in a historic settlement for financial fraud leading up to and during the financial crisis ''. As a result, my wife & I received a letter XXXX XXXX, XXXX from BOA stating we were " approved for their full principal forgiveness program '' for our mortgage, for which we had not defaulted nor were delinquent in current payments. ( See support document ). Also stated in the BOA XXXX letter : " a tax relief fund was established to help defray some of our federal tax liability ''. Subsequently, BOA sent us ( & the IRS ) a XXXX document stating : " cancellation of debt '' terminology, which is NOT PRINCIPAL FORGIVENESS terminology ( See support document ). This " cancellation of debt '' terminology resulted in our credit reports listing a " charge off '', not a principal forgiveness program, thus resulting in a lowering of our credit rating. The " charge off '' term and " cancellation of debt '' term were red flags at the credit bureaus, causing this lowering our credit scores. 
2. We contacted BOA re : amount & procedure for their tax relief fund to be applied to our XXXX tax burden. After multiple calls to BOA 's customer service telephone number as listed on letter sent to us, no one " knew anything about this issue ''. They suggested we call the IRS. We did call the IRS and were referred to their legal area. We were told " effective immediately, we can not talk to the consumer regarding any matter of cancellation of debt or charge offs ''. Now, our XXXX federal taxes are extended to XXXX XXXX. Since we got no answers from BOA & IRS, we will be penalized with interest and penalties commencing XXXX XXXX, XXXX.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I've been able to see my tax documents online for each year, but for some reason 2023 I was unable to see my XXXX for roughly {$500.00} in interest. I didn't originally get my return as it was put in the wrong mailbox ( not WF fault ). 

However, I've spend about XXXX hrs trying to change addresses on my profile for WF and meeting with their team to get this sorted out. Their most recent reply is that they don't intend on fixing the problem. 

This is likely an XXXX issue of not allowing access to pertinent documents and not fixing the problem, especially after XXXX calls and XXXX visits to the branch, totaling XXXX of time. 

You can pull calls from my phone number to review the accuracy.
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NC)

THIS COMPANY LVNV FUNDING # XXXX IS TRYING TO COLLECT A DEBT FOR XXXX THEY DOUBLED THE DEBT. I HAD CREDIT CARD PROTECTION WITH XXXX. 
I ASKED THEM FOR THE PROOF I OWE THE DEBT THEY REFUSE TO PROVIDE PROOF AND STATED THE CASE WAS CLOSED. I DISPUTED WITH XXXX AND XXXX. UNFORTUNATELY XXXX WAS THE ONLY XXXX THAT DID A THOROUGH INVESTIGATION AND REMOVED LVNV FUNDING FROM MY REPORT. A FRAUDULENT SC. BUSINESS WITH MANY XXXX BARRED FROM DOING BUSINESS IN THE STATE OF MD.
Consumer complaint received 2017-03-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

LVNV LLC has apparently filed a lawsuit or judgement for the recovery related to an account of which i have no knowledge of. I have had other collection agency 's claim i am responsible and i have repeatedly explained that it is not mine.
Consumer complaint received 2015-09-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

in 1998 deposited XXXX $ in a XXXX XXXX XXXX IRA also in my daughter 's account for XXXX $ My children XXXX went to college -- i supported themwe did n't use this IRA. I Moved XXXX and when i returned home -- had time to go through my records and remember i filed it but did not get a refund. XXXX my children are adults in their XXXX 's. I contacted XXXX Securities many times but they could n't located my records ( as you can see my notes on the paper work, I was transfer to many departments who basically said they could find it -- i should contact the local who set it. so i did some research but the agent no longer worked at any of the offices here in XXXX XXXX but i tracked down agent who agreed to help me find this account but she too could not figure out what happened to my funds because i had a statement -- but she did not give she continued to research and realized that XXXX had sold some of accounts/money market funds ( i do n't the correct term and since the account numbers were not in there records it had be XXXX of the accounts that sold XXXX Right away i contacted Wells Fargo -- an confirmed that yes they buy some of the fund things from XXXX but since my account was so old- they would have to do research and that would cost. The fee they wanted to charge me to do it was unreasonable and almost more that the funds i had in my small IRA. The conversation was disturbing that i decided to wait and just walk in to a Wells Fargo to ask for help but i was frustrated and not sure what to do because after agent tracked it down or at least could tell by my account that it was an old XXXX number.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

I have been in contact with my mortgage company for over 2 months now about my taxes being unpaid. Everytime I call, I ask to be transferred to a supervisor to discuss my file. Every single time I call they claim to be opening a work order that is due by x date and when I call on that date for an update, I'm given another date XXXX weeks from then. My taxes are now delinquent and I don't believe it's my responsibility to pay the interest out of my escrow account due to their mistake. I work at a real estate attorney 's office and know how this should be handled. I asked them to confirm the tax map # of the taxes they paid for and it was a completely different tax pin than my property. I searched the taxes up and it's for a whole other person 's property who just got their taxes paid for on my escrow account 's behalf. I have given the company all the information that they need to fix this issue and I am never given an answer or taken serious. It's frustrating when I'm given the run around on every single phone call but they're quick to draft out my mortgage payment every month. I've attached a copy of my deed to show my correct tax pin as well as a screenshot of my escrow information showing the incorrect tax pin. I have spent hours on the phone with this idiotic company and I am tired of getting the run around. They could absolutely care less.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I sent in a copy of my social security card and state driver 's license. My name is  XXXX   XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX  is not my name. My address has never been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SC  XXXX . That address does not exist. My number has never been  XXXX . I have disputed several times and provided documentation.
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

Medical bill for our son from XXXX XXXX, 2023, {$500.00}. {$20.00} more added for XXXX XXXX, 2023. Have attempted to get provider to grant me access to my XXXX XXXX account so it could be paid several times with no action to provide access. The bill is in husband 's name due to insurance in his name and he does not have an electronic account set up. Have asked for multiple years to have our son added to my account ( like my other son is already ) and they won't do it. I can't pay when I have no access. Collections calls come to my number. Voicemails are left on my voicemail. Text messages are sent to my number. 

Harris & Harris now have account : Received letter. Started getting multiple calls and texts all from different numbers. XXXX ; XXXX ; XXXX XX/XX/XXXX, XXXX AM - incoming call, attempted to answer and their system hung up WEEKEND : XX/XX/XXXX, XXXX AM - missed call, believe had voicemail but deleted XX/XX/XXXX, XXXX PM - incoming call, attempted to answer and their system hung up XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - missed call, believe had voicemail but deleted XX/XX/XXXX - submitted {$20.00} payment online XX/XX/XXXX, XXXX PM - missed call, believe had voicemail but deleted XX/XX/XXXX - payment cleared bank account Received letter WEEKEND : XX/XX/XXXX, XXXX AM - voicemail XX/XX/XXXX, XXXX PM - call, answered and they hung up after XXXX seconds XX/XX/XXXX, XXXX PM - returned the call but they are not open so says to call during business hours XX/XX/XXXX, XXXX PM - voicemail XX/XX/XXXX, XXXX PM - text message XX/XX/XXXX, XXXX PM - voicemail XX/XX/XXXX, XXXX PM- called and discussed harassment with the constant phone calls, text messages, letters, when I have started making payment and was told I wasn't on an official payment plan. Set up official payment plan and asked that they stop calling, texting, and sending letters. Documented in their system that payment will be made XX/XX/XXXX and they would not call again unless I defaulted on agreed payment XX/XX/XXXX. 
XX/XX/XXXX, XXXX PM - voicemail
Consumer complaint received 2016-09-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

In 2006, XXXX XXXX XXXX in XXXX XXXX offered me loans to pay for schooling. Credits they claimed were transferable, were not. The loans they claimed could be differed, could not be. After a year of schooling I was over {$25000.00} in debt and they wanted me to pay over {$300.00} a month on my loans to pay them as I went to school full time. They lied about everything and it has made my life difficult for these last 10 years. I understand I likely will not receive a reimbursement of the little I have paid off ; yet if you could get them to stop reporting on my credit history and stop haunting my future. 

Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX, after losing a job, I applied with Bank of America for modification of my mortgage. In the next three months, I did receive XXXX letters from BofA, XXXX of them with the requests to submit the same documents I submitted originally at the time of application. Finally, BofA informed me on XXXX and XXXX that I am not eligible for modification of the loan for the following reasons:1. " You are making all required loan payments on time. " 2. " You did not obtain my loan on or before XX/XX/XXXX. '' It was absolutely clear from the very beginning that I obtain my loan long after XX/XX/XXXX. 
XXXX. " You have sufficient net income ( pension of XXXX a month ) to pay your current mortgage payments ( {$1300.00} a month ) '' 4. " Your loan is not eligible for the Home Affordable Unemployment Program because we service your loan on behalf of an investors that has not given us the contractual authority to suspend your payment under the Home Affordable Unemployment Program '' ( The most puzzling one ). 
The whole process was tortuous as nobody explained to me why should I submit the same package of documents ( bank statements, verification of my pension and unemployment status, etc ) seven times in three months. I am sure nobody read them as I was getting the same letters with different dates on them. 
I am still unemployed ( my unemployment benefits rean out long time ago ) with almost no prospects ( my age of XXXX works against me ) and I am still making payments on time borrowing money left and right. I do not believe I ever had a single late payment in my lifetime and I can not allow myself not to pay. Unfortunately, according to BofA, this is # 1 reason I was denied a loan modificationI am still having difficulties making payments as in addition to that I have medical bills, child support, plus prolonged unemployment since XX/XX/XXXX. 
The whole situation is described in several attachments. I am seeking loan modification, but Bank of America does not want to cooperate. They told me openly, that if I would stop making payments, my chances for loan modification will significantly improve. But it is against my principles. 
Thank you, XXXX XXXX. All documents from BofA were signed by XXXX XXXX, Customer Relationship Manager
Consumer complaint received 2016-05-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Called and threatened jail time for a payday loan I never had. Explained to them I have not worked since XX/XX/XXXX. I 'm XXXX. Told me I took out a loan in XX/XX/XXXX. I asked them to send verification in the mail. Told me they ca n't. They hung up on me and told me good luck, you will need it. Then they called my XXXX year old mother in law and threatened her. I have not taken out any loans at all. They have all my private information as well. I have also recently had XXXX of my credit cards hacked and used as well as someone trying to steal income tax return. I received a letter from the IRS warning me of hackers. Please help.
Consumer complaint received 2022-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX  on XX/XX/2022 XXXX XXXX on XX/XX/2022 Capital one on XX/XX/2022 XXXX on XX/XX/2022 XXXX XXXX XXXX bank on XX/XX/2022
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

When I attempted to get my FCRA-mandated free annual credit report from Experian, there was no way for me to save a permanent copy. I could see the report only for the few minutes it remained open in my browser. 

On Tuesday, 2019XXXX, I attempted to get my annual free credit report from Experian.com. Starting from XXXX, I was able to open the report in my browser ( XXXX XXXX  ). 

But when I attempted to print the report for my records, I found it was in an extremely condensed format. Only summary data printed. 

By clicking a large number of pale, hard-to-spot icons, I was able to open detail sections of the report. But the details were displayed using colored icons that disappeared when I attempted to print them. Only blank white space appeared. 

Nowhere on the page could I find a link for a printable or downloadable version of the report. I tried several ways of saving the web page itself, but none of them preserved the report data. 

While I was attempting to find a way to successfully save or print the data, my browser reported, " For security reasons, your session has expired. '' The report vanished from my screen. 

In summary, Experian provided me a report that could not be printed or saved, that I could only view for a short time before it was erased from my browser. Such behavior might satisfy the letter of the FCRA, but can hardly satisfy its spirit. 

I've not had such problems in the past with XXXX or XXXX reports. This is the first time I've requested an Experian report.
Consumer complaint received 2015-04-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC (TX)

Nation Credit AdjustersXXXX XXXX XXXX - XXXX XXXX XXXX, Kansas XXXXThis company is harassing me at my place of employment multiple times a day after repeated requests to stop contacting me there. I have never received any written correspondence, nor have they been able to verify any information about the debt, only my home address and an arbitrary account number. The first man I spoke with on the phone told me he was sorry they contacted me and he would have my name removed, but I am continuously receiving phone calls from his associates. They have even gone as far as to leave detailed messages regarding my personal business on our company voicemail that all of my fellow associates have access to. I have paid this in full to the original lender, but they will NOT cease their collection efforts.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (TX)

Card was stolen - suspect used the card at XXXX locations in XXXX TX : XXXX # XXXX & XXXX XXXX # XXXX. Here are the times : XXXX # XXXX XX/XX/year> - XXXX ; HEB # XXXX XX/XX/year> - XXXX ; XXXX XXXX # XXXX XXXX. 

I was not in XXXX at the time of these charges and provided Upgrade, INC proof/flight logs that I was in XXXX, AZ. 

I did not authorize any of these charges and Upgrade, INC has declined my dispute twice. They have decided not to work with the police. 

Even after providing a police report filed and my flight receipts they are declining my request- their argument is nothing looks out of the ordinary/not enough evidence.
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

I opened an account with XXXXXXXXXXXX  sometime in 2015. The account had three lines on it. Me and my daughter and her son. Phones and phone covers were purchased. My daughter paid for this account with her personal account as we agreed. The account was paid with some for phones and some the bill. I moved to another state and my daughter continued to paid this account. No problems and never turned off. I decided to end my phone service with XXXXXXXX and kept my tablet with them that was paid by my daughter. My number was removed and with them to XXXX XXXX XXXX. I also went to XXXX and paid what was owed on my phone and tablet devices in a XXXX XXXX store. I have the receipts for this that I paid this ; XXXX for airtime and XXXX for devices. The XXXX account was still being paid by my daughter. Two phones and one tablet that was on the account. I moved back to XXXX  from XXXX  and we decided to get the XXXX account in my daughter 's name so it will belong to her for credit purpose. We went to the store and did that transfer and no balance was owe by me and my daughter took over this account and a new account was done in her name with a new number. I owed nothing. Then a few months later I got a bill saying I owe XXXX for some unknown reason and I sent the company that billed me the receipts I had. I also had someone calling and harassing me about this payment. This account is being paid by my daughter with my tablet on it and I have phone with XXXX XXXX XXXX. So how do I owe a account that is being paid for still? No evidence of what I suppose to pay for has been given to me.