davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This complaint involves Select Portfolio Servicing ( SPS ) attempting to collect a debt that they do not have any financial or legal interest to do so. Further, SPS again failed to respond to the specific request for information submitted through the CFPB complaint portal. I received a letter from SPS dated XXXX XXXX, XXXX, which claimed SPS was " a servicer for the registered shareholders of XXXX XXXX XXXX, Mortgage Pass-Through Certificates ''. According to the SEC, there are no shareholders as of XXXX because the trust was dissolved/terminated, according to their records. SPS has failed to prove XXXX XXXX XXXX, Mortgage Pass-Through Certificates still exists and provide information about the registered shareholders of the trust they represent. Further, when I contacted the former Trustee of XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX Bank, I was told they have no interest in XXXX XXXX XXXX, Mortgage Pass-Through Certificates and that those certificates were terminated in XXXX. My specific request of SPS is the following : 1. XXXX XXXX XXXX XXXX, Mortgage XXXX Certificates exists. 
2. Prove there are shareholders to XXXX XXXX XXXX, Mortgage XXXX Certificates that you represent 3. XXXX XXXX Bank is the Trustee. 
4. SPS counsel sign an affidavit stating they have examined all documents submitted to XXXX XXXX County Recorder 's Office and certify there is NO fraud. 
5. Document the individual person ( name, title, contact info ) whom SPS has spoken/met with who has direct knowledge of the facts of the alleged loan you are attempting to collect by foreclosing on my home. Also, provide the date, time and evidence the conversation ( s ) occurred. NOT A COMPUTER PRINTOUT OR A COPY OF A DOCUMENT FILED WITH THE COUNTY RECORDER 'S OFFICE. 
6. Provide verification that the person who signed any documents provided to the XXXX XXXX County Recorder 's Office involving my home worked for the company they purport to represent on the document.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the XXXX data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (CT)

I financed a XXXX XXXX from XXXX XXXX in XXXX, CT between XXXX and XXXX. The car was eventually repossed but I 've still been unable to get my plates and I 'm being charged state taxes on a car I no longer have. The XXXX company I leased from has since gone out of business I 've tried contacting Wells Fargo and they claim to have no knowledge of it.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

I was taken out of work due to mefical reasons and contacted my loan servicing company for options prior to falling behind on payments XXXX 2015 I 've exhausted all funds and now have fallen behind because I only receive a fraction of my pay. Wells Fargo is refusing workout options due to my previously having a loan modification. This is added stress the fear of losing my home with no options. I ca n't return back to a normal state of health not able to sleep I need help, asked for workout options, forbearance, repayment plan but they refuse there is no foreclosure sale date so there is time to review me but they refuse
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (PA)

On XXXX XXXX 2023 I woke up to a charge ( XXXX ) on my account and immediately called Key Bank to ask what the charge was for. They informed me it was a 3rd party phone company and gave me the companies number. I informed Key Bank at that time I was lead to believe I was making a XXXX XXXX bill payment and did not realize I was using a 3rd party company. I get free phone service through the govt and that my bill is only XXXX for my insurance and I made an error not realizing this company was not XXXX XXXX  and that I would like to file a dispute for that charge. I also called the 3rd party number and asked for them to reverse the charge and they hung up on me. I also that day asked for a new debit card as I was concerned this company would take more money out of my account. The dispute was filed and my money was returned to me while the dispute was being reviewed. I also informed Key bank that I didnt receive any goods or services from this 3rd party company and basically I was hustled by a site that appears to be XXXX XXXX Today XX/XX/XXXX I woke up to the charge being reversed and the XXXX taken again out of my account. I called key bank and they informed me they closed the dispute and based it on the information sent by the 3rd part phone company. I was never contacted from the dispute dept on the status, never provided any paper work from anybody and explained that I already told them that I in error gave them my info believing it was XXXX XXXX. They said that they made their decision and I asked why they didnt contact me, provide me with the findings before taking the money from my account and that I didnt receive any goods or services from this company. They did not provide me with any documentation on my dispute until I called to inquire what the findings were and my account being overdrawn. Key bank did not keep me informed about my dispute, made a decision without speaking to me and allowed me as a consumer to be stolen from. I asked to reopen the dispute as I was not protected from a fraudulent charge. I want my money back and Key bank to acknowledge that they also victimized me as a consumer. I explained that my phone is free, I canceled my card as soon as I realized what happened, called the 3rd party company as well and filed the dispute. Never contacted again and a decision was made solely on documentation from the 3rd party that I was never provided with. My dispute was reverted and I was not contacted during the process instead again my account overdrawn. There was no due diligence during the dispute process for me the consumer and cant understand how they came to decision without ever speaking to me.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This company is reporting an incorrect amount on my outstanding balance as well as false late payments. The tradeline has been updated with the date of XXXX delinquency changed and now will show on my credit reports negatively for 10 years. This is a violation of my rights.
Consumer complaint received 2016-09-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: West Coast Servicing, Inc. (NY)

I have made my payments to West Coast Servicing on time and in the correct amount. West Coast Servicing has notified me that the terms of the loan have changed and that I have/had no say in the terms of the loan. The loan is not collateralized and West Coast Servicing has informed me they intend to foreclose. I have contacted them and asked for mitigation of the loan. They have not responded to me other than sending monthly statements which do not explain the charges. I have written to them offer a payoff amount and they have not responded to me. I would like to draw your attention to the fact that West Coast Servicing has not been compliant in the following ways : 1. The servicer must establish or make good faith efforts to establish live contact 2. The servicer must inform the borrower about the availability of loss mitigation options 3. The servicer must assign personnel ( which can be one or more persons ) XXXX to the delinquent borrower, or an authorized agent of the borrower, who will be available via telephone, immediately or in a " timely manner 4. The personnel assigned should be able to respond to the borrower 's inquiries and assist the borrower with available loss mitigation options 5. The servicer must enclose a separate page with the periodic statement or in a separate letter : including the date the borrower became delinquent 6. The servicer must include an account history covering the period since the account was last current or for the last six months, whichever is shorter, and showing for that period the amount past due from each billing cycle and the date on which any payment was credited as fully paid ; 7. If the borrower does provide any information that would be evaluated as part of a loss mitigation application, the provision of the information IS an application. 
8. the servicer must review the loss mitigation application to determine if it is complete. This must be done promptly after receipt of the application. 


Thank you, XXXX XXXX
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc. (MD)

I have requested proof of validation on several occasions from the collections company ( CLTRCBINC ) in XXXX. The company mailed a letter to a home I own and have never resided at. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. This company whom I have never had a contract with provided an address in XXXX, GA  when I reached out to them. I have never lived at the address and have not lived in XXXX, GA. I live in XXXX, MD and have lived in MD since XXXX, this company is not licensed to collect in the state of Maryland. Since they failed to send me the requested proof, I want this account to be closed and removed from my XXXX credit reports. XXXX, XXXX and XXXX have not complied with the law and accurately verified my information as well.
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I paid {$75.00} for annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (NC)

I got a loan in XXXX with Consumer portfolio services. I did not pay the loan off because the car was stolen and never recovered. Insurance paid the balance at the time. The creditor has been reporting this debt and changing the dates past the seven year period. The car was stolen I believe in XXXX but they are reporting XXXX as first report date. I have disputed with the credit bureau who indicates that the information is correct however, it is not.
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I hsve just been informed that I have wage garnishments now. I was not informed or properly served about the lawsuit even though they claim they served me. Anytime I have tried to talk to them about this all they will say is that they noted it in my account. I will have to be the one to fix it with a lawyer. This does not sound lefal. They are called wakefield and associates
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (IL)

Subject : Dispute Regarding Alleged Unverifiable Debt and Violation of Permissible Purpose for Consumer Credit Report - Complaint Against the CRA ( s ) I am writing to file a formal complaint against all three CRAs regarding the furnishing of an alleged unverifiable debt reported by XXXX XXXX XXXXn my consumer credit report. Additionally, I am deeply concerned about a potential violation of my rights under the permissible purpose provision of the Fair Credit Reporting Act ( FCRA ) in relation to this matter. Despite multiple attempts to verify the accuracy and legitimacy of the debt in question with XXXX XXXX, I have been unable to obtain any verifiable information or documentation supporting its validity. It appears that Experian has included this derogatory entry on my credit report without conducting a thorough investigation into its accuracy or verifying the information provided by XXXX XXXX. Furthermore, I believe that Experian may have violated my rights under the FCRA by furnishing this alleged unverifiable debt without a valid permissible purpose. I have not authorized any entity or individual to access my credit information for the purpose of reporting unverifiable debts, and I strongly believe that such actions constitute a violation of my rights as a consumer. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to ensure that Experian complies with the FCRA and rectifies any violations of consumer rights. Additionally, I request copies of any documentation related to this investigation and any actions taken by the Consumer Financial Protection Bureau in response to this complaint.
Consumer complaint received 2018-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

My mortgage holder ( XXXX, my loan number is " XXXX '' ) has incorrectly calculated my escrow analysis for the year 2018, resulting in an increase to my mortgage payment of roughly XXXX {$500.00} per month ( see below for additional details on this ). I have been working with them to try to get the analysis redone correctly since XX/XX/2018, I been repeatedly told by 2 separate representatives that the escrow account would be reanalyzed and the escrow payment would be lowered to the correct amount within 2 weeks ; it has now been 7 weeks since I first contacted them about this and they have made no attempt to fix the problem.

There are only 3 payments made from my escrow account annually ( these amounts are based on actual dollar amounts paid this year/last year, no major increases are expected on any of these values ) : School Taxes - {$3700.00} City Taxes - {$1900.00} Homeowners Insurance - {$660.00} -- -- Total paid out of escrow annually - {$6300.00} My monthly mortgage payment as of XX/XX/2018 went from {$1500.00} up to {$2100.00} following XXXX 's annual escrow analysis, of the new amount, {$1000.00} is going toward escrow. This results in {$12000.00} being added to my escrow account annually ( more than double what is needed to pay my taxes and insurance ). 

At no point has my escrow account ever gone into a negative balance or been unable to fund my tax and insurance expenses. Both representatives that I've spoken to at XXXX have acknowledged that the escrow was calculated incorrectly, but no attempt has been made on their part to fix the error, and I am left paying an extra ~ {$500.00} per month into an already bloated escrow account.
Consumer complaint received 2015-09-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Service Bureau, Inc. (CA)

I received a notification from my credit monitoring service and the following is what showed up : A company called General Service Bureau placed a collection on my XXXX report for {$190.00}. I have received no dunning, no contact and no proof of debt from them. I recently applied for a mortgage refi so I am assuming they are trying to cash in by illegally placing an improper collection on my credit report. I do not owe this debt.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Continental Finance Company, LLC (GA)

I have actively attempted to activate my credit protection with XXXX since XXXX 2015 and have yet to receive neccassary paperwork. I have spoken with several agents and been promised over 4 call backs, to which I am still awawaiting. The calls have gotten to 6 per day and I tell every agent the same thing only to be told they will make a note and meanwhile my balance has gone from XXXX to over XXXX while I have consistently reached out to get this solved.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is reporting a late payment for account XXXX XXXX XXXXXXXX XXXX in XXXX of 2020 when I was never late. I do not believe this was investigated because if it were XXXX XXXX  XXXX would have stated that my payments were deferred during covid hence the reason that XXXX and XXXX are not reporting a late payment. I have tried to get this taken care of months ago, but I think that Experian ignore consumer complaints. If this late payment is not removed immediately, I will be seeking legal action due to inaccurate reporting and negligence of a consumer 's credit report. Please keep in mind that this is not a third party, but a real individual who cares about their credit.
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

When checking my accounts online today found that payment for my son 's student loans through XXXX was being drawn from the wrong account. At which time I called aes to channge account number to proper account, I was told that I needed to fil out a new direct debit application. I offered to give info over the phone and they refused to change the information. When I asked for a copy of the original document they refused to send me XXXX stating it was against their policies. We never received any. Confirmation of direct debit being set up or the correction could have been made sooner. Their only answer was to fill out a new application. They refused to take any account info over the phone. However they accepted a payment with same info last week with no problem.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (NY)

on around XXXX XXXX 2016 I had applied for an American express credit card that was sponsored on my XXXX webpage. XXXX gave me an estimated chance of GOOD and encouraged me to apply so I applied and was DENIED when I received your usual decline letter it stated reasons that XXXX said my credit score was XXXX, I then paid a fee to retrieve my credit score from eqaufax the report said XXXX and I also paid for XXXX score which was XXXX so someone at American express lied about my credit score being just XXXX and unfairly denied me there credit card. I want CFPB to try and get me that card and reprimand American express for wrongly stating my credit score and denying me the credit card. thank you XXXX. C
Consumer complaint received 2020-10-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have placed a fraud report with Bank of America in XX/XX/2020 due to an unauthorize XXXX transaction. I received an email and all stating funds will be returned from XXXX which I never authorize for any removal or transfer any funds. I then called Bank of America in the middle of XXXX where I spoke with XXXX from Tennessee who said my case was closed with no letter, call or email giving me status on my report. XXXX then reopened my case on XX/XX/2020, case # XXXX. I place my funds in this FDIC Institution for security reason and still can't be protected. I had a previous issue back in XXXX and XX/XX/2020 where my bank card kept getting transaction from XXXX that I did not authorize and they refunded me my funds until they decide if it was a fraud or not. Of course it came to be a fraud transaction. My bank card had to be changed 3 times. Now with these 3 XXXX transaction of {$990.00} the bank does not want to refund me or anything. During this pandemic so many things are happening and a federal institute isn't even willing to help. All other times they have frozen my account due to weird transactions and all, where I had to call them and confirm with them it was me doing these transaction. But the one time I need there security and help and I get NOTHING. What would be my next step. Please help.