davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CT)

I currently reside in our home that was purchased for XXXX in XXXX, and we applied to refi in the late XXXX 's and early XXXX 's for college loans and roof repair and unfortunately, unbeknown did not know that the lenders were predatory lenders who escalated our loan to double and now triple the amount to now XXXX! This Summer I was unemployed and unable to make payments for XXXX, XXXX, XXXX. Every week I would speak to a different person at XXXX and they would advise me on what to do and as I did so it was the wrong directions each time I spoke with a Seterus worker. I was told to send a payment of XXXX plus XXXX late charge in XX/XX/XXXX, by certified funds in which I did because there was a block on my account not to accept a personal check, From there I was told a payment plan could be worked out upon receiving those funds. However, the payment was returned the first week in XXXX and my house went into pre foreclosure on XXXX XXXX, XXXX. I happened to call and was told by another Seterus rep to pay XXXX prior to that and the next told me I could not make that payment because of the pre foreclosure status- I spoke with another Rep. he walked me through the modification app which was rejected because of previous modifications in XXXX, etc. I spoke to another Rep from Seterus and she said, " I was put on a re payment plan starting in XX/XX/XXXX, paying XXXX by the end of XXXX and each month until XX/XX/XXXX - Well, I received paper work that stated the repayment plan would be XXXX starting with the first payment due XX/XX/XXXX, instead of by the end of the month which would have given me more time and that's what I had planned for prior to the letter I received - which I think was unfair because the budget was set for the end of XXXX In addition, It must be paid the first of each month-not even the XXXX of the month - Our home is currently underwater and is only worth XXXX because of the predatory loan amount added on over the years which is now an outstanding amount of XXXX which should be reduced to the affordable amount. Not the predatory amount that is designed to put us out of our home after 24 years and continued increases by banks over the years and servicers making money. As a hard working person that was victimized almost 12 years ago I would like to see this predatory loan reduced so that we can afford to continue living in our home and not be foreclosed on and the repayment plan should have been more workable as was the first verbal agreement that was told for the end of each month and funds must be sent certified via XXXX XXXX to arrive the first of each month. I would like for this predatory loan to be reduced to a more affordable mortgage payment or the repayment plan to be more workable for each month. We worked hard to purchase our home and do not want to give it to the predatory lenders who have already made money off us-therefore, the house will continue to be in pre foreclosure status until XXXX XXXX
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

Amerihome has a new website : During website account registration, and each and every time we log in, we are forced to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy policy We do not want our information sold or shared with non-essential affiliates or marketing companies. However, our attempts to contact AmeriHome for clarification by - calling " customer support '' ( XX/XX/21 for over an hour ) - XXXX - email - XXXX ( XX/XX//21 ) - send an online form with our question per their " IT '' person 's request after calling AmeriHome 's customer support number again - XXXX XXXX Incident : XXXX ( XX/XX//21 ) are confusing or ignored, by either AmeriHome 's customer service line, their IT Dept, and XXXX. 

Called today ( XX/XX//21 ) to confirm that we are opted OUT of AmeriHome / XXXX XXXX marketing / sharing or selling of our loan or PII data after logging into their website today and having to agree, yet again, to their Terms and Conditions and so-called Privacy Policy, yet could not get a clear answer. When asked by customer service if we opted in, in fact, Yes, we have opted in because FORCED to agree to AmeriHome / XXXX XXXX Terms and Conditions and Privacy Policy in order to look at this website to review our current 's month 's loan activity and e-document messages. 

We are finding AmeriHome 's lack of clarity, conflicting information, and our inability to ask for and remain opted-OUT very shady. Is this not a banking / mortgage institution, or in fact, a free-for-all shady data sharing company? AmeriHome customer service does not appear to be aware of their own IT Dept 's, XXXX, data sharing activities, or if they are, they are hiding behind their vendor 's activities : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (NJ)

A1 debt collectors tried to collect this debt with 2 letters sent. The first letter was lost, the second I received I tried to call to understand what the debt was. I never signed a contract with the original company, and second the company HAS never sent me a bill at all. When I contacted A1 the man I spoke with would not stop talking so I could ask how I never even received a bill and now you say that I owe. I discontinued the conversation, I sent a debt validation letter asking for contracts signed, where were the bills sent that the company says they sent that I never received. When I received their reply it was nothing more than they say the company says I owe the money. I NEVER once received a bill, had I received a bill we would not be at this point. I have all the paperwork between A1 and myself, I am sending a second debt validation letter asking for the pertinent information that says I signed a c ontract with my signature and also when these so called bills were sent that I never paid.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

I want my case to get a fair review for the new program my lender participates call Principal Reduction! My home is grossly underwater. I have attached a detailed letter in the disgusting way Wells Fargo has been handling my file! They 've stated my home sold even though I filed for Bankruptcy! Please provide a response to that since they are not willing to speak with me anymore!
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I applied for XXXX XXXX Credit Card on XX/XX/2020. I was declined online with no explanation. The XXXX website stated I would received a letter in the mail. On XX/XX/2020 I received the letter stating the reason for being declined. The explanation states : " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts ''. This is not accurate information. I called XXXX XXXX at XXXX on XX/XX/2020. The person on the phone could not tell me which of my accounts the declination statement applied to. They also suggested to call the credit bureau Experian. I also called Experian on XX/XX/2020. They could not tell me which of my accounts had the statement and recommend to pull my annual credit report. I pulled my free annual credit report and on the file, no accounts have this statement.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

My husband was approved to refinance his mortgage with Quicken Loans/Rocket Mortgage. His name is on the loan only, I am on title. The mortgage company wanted information on the mortgage on our primary home where I am on the loan only and my husband is on title. I provided a mortgage statement, original mortgage note etc.., then Quicken requests 12 month mortgage history, so I sent my credit report showing 12 month history. Then they request 12 months of my bank statements.Again, I am not on the loan with Quicken or on the refinance. I sent 12 months of statements, just the page showing the payment and marked out the remainder because I felt it was an invasion of my privacy. my husband and I have separate bank accounts. My income is not being considered. Quicken continues in insist that I send all pages of my bank statements. The loan on our primary home also has been assumed and company changed names multiple times. They keep requesting a mortgage note issued by XXXX mortgage. It does not exist, XXXX was formally XXXX who was formally American Home servicing etc.. I feel Quicken has no right to my information since I am not on the loan. Bottom line my husband was approved for a 15 year loan 3.375 % interest. Thats a cut of 2 % interest and going from 30 year to a 15 year mortgage. Looks like Quicken doesnt want to lose that money made on interest on current loan and is making excuses. It is now over 70 days trying to close the loan.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALCHRO INC. (FL)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX FIRST FED CREDIT & COL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FED CREDIT & COL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Stop collection proceedings againsXXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Paid debt owed as a settled in full, letter is attached. Capital One refuses to update my credit report accurately and is damaging my reputation, credit and score. I was told once paid this collection and incorrect late payment history will be removed. 

I spoke with Capital One on XX/XX/2019 they are refusing to update my credit report even though I have evidence proving its paid. Also, I have inaccurate late payments reporting that need to be removed. 

In a prior conversation with Capital One they said they would report my paid off debt within 22 days. I pulled my report after the 22 days and seen they reported new but a remaining balance still and late payments which are both not correct.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Account No. : XXXX Amount : {$3600.00} Address : XXXX XXXX, XXXX, XXXX , Texas XXXX Phone : ( XXXX ) XXXX I have disputed this entry for Capital Auto for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Capital One and myself for repayment. The only responses I've received were statements for paymnent. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (MD)

Im using consumer credit card of Home Depot since 2012 Im responsible of my credit card They issued under my name because I apply the credit card & issued UNDER MY NAME & ON THE CARD my name is printed BUT IN THE CREDIT CARD SYSTEM IS UNDER MY SISTERS NAME I DID NOT AUTHORIZE OR CLOSE OR CANCEL MY CARD I call & INQUIRED THEY ARE NOT TELL ME REASONS I HAD BEEN CONTACT WITH MANAGEMENT PLEASE INQUIRE ABOUT THAT THANKS
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I do not have with other valuable documents ( financial and prior police report which dealt with identity theft ). I am a senior and have been really hurt by the id theft. ) XXXX  has been sent information confirming my identification and every time refuses to indicated that my information is correct. as of XX/XX/2020, and by regular mail as of XX/XX/2020. There are also inquiries on my file that I did not request or authorize. have sent the information via Certified Mail return receipt requested I can not call in or acquire it from their Alert program. The information was stolen last year from a rental car I had at the time. It had prior police report and other documents ( personal financial and those of our organization ).
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (KS)

This is in continuation of the complaints : XXXX and XXXX. First I want you for responding to my case. During the original XXXX package requesting a deferral plan the company sent out a person to my house on the start to inspect the house to get it ready for foreclosure. In your last response I was given the an application to file en exception to start a repayment plan or deferral plan/partial claim. This was XXXX  back and when I called a few days later I was told this package didn't mean anything and it will be denied. In later calls, I finally got a hold of someone to set up a repayment plan. This was a 3 month repayment plan paying {$90000.00} for three months. This was to start XX/XX/XXXX and and the XXXX payment on XX/XX/XXXX and the third is currently scheduled for XX/XX/XXXX. I made the first payment on XXXX and last Friday ( XXXX ) I received a call from the company that they are reviewing my application and it could take 30 days. I didn't know what to say because I was not aware. I told her that I was accepted on the repayment plan and she said she was not aware. I am not sure these guys are on the same plan. I asked her to kept me informed and when I checked the website a few days ago the package was denied. No one talks to me on what they are looking for to move forward. They say they will work with you and never tell you want can be done to move forward. Then a couple of days ago another person per the request of the servicing company came out to inspect the house for foreclosure. I am on a repayment plan so why would they be sent out?
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

I am researching a potential class action lawsuit against Barclays Bank Delaware involving Fraud, Unjust Enrichment, NY GBS 349 Deceptive Business Practices, and several other federal statutory claims. Please help me obtain the contact information of Barclays ' regulator. I would like to confirm some information with their regulator.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC (GA)

To whom it may concern, I disagree with a balance reported on my credit by CCI collection company. I talked to XXXX XXXX on multiple occasions and asked them to provide me with all documents and account history to prove I owe them {$330.00}. Until now I never received anything that would show me I owe them that balance. I even reached out to the credit bureaus to help me to resolve this issue. I have been a great customer and paid all my bills on time with XXXX  XXXX. As far as I remember I do not owe this company anything. I respectfully ask you to help me to remove this derogatory account from my history because it is affecting my home buying ability. 

Thank you very much
Consumer complaint received 2019-11-12
Product: Credit card or prepaid 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: DISCOVER BANK (RI)

This problem pertains to Discover credit card. 6 charges were put onto my account that I did not make. They were all through XXXX. They were all applied on XX/XX/XXXX. 3 were for {$190.00} each and 3 were for {$200.00} each. 

On XX/XX/XXXX 5 credits were put on my account - 3 for {$200.00} and 2 for {$190.00}, omitting 1 credit for {$190.00}. All of these charges so far were without my knowledge. I looked into my account a few days after all these entries had taken place. I then called the credit card company to find out what was going on. They initially tried to say that everything was reversed and my account was credited for all of the amounts. I told them that there was still one charge for {$190.00} remaining. It took some convincing to get them to see that the {$190.00} amount was still outstanding. After persisting, they agreed to give a temporary credit out on XX/XX/XXXX for the {$190.00}. That charge was reversed a number of days later when they said that it went into another dept. for further investigation. They did not show the day of the reversal, but attached XX/XX/XXXX to the entry. After calling about this reversal in early XXXX after checking my account every few days to see if anything new was applied, I spoke with a rep and they were going to credit the remaining {$190.00}. Instead they showed a credit for XXXX of the charges for {$190.00} and only 2 for the charges of {$200.00}. Basically, they reversed the credits to reflect that the {$190.00} was applied 3 times, but the {$200.00} at this time was only applied 2 times. Now my account has an error charge of {$200.00} instead of the original {$190.00}. I called on XX/XX/XXXX and spoke to the Fraud Dept of their company and got a lot of double talk. I told the rep that my account was credited wrongly again. This time a credit for {$200.00} was omitted, leaving me with an overage of {$200.00} on my account. She said that they had done the credits but missed that one and would make the change and it would go through in 48 hours. Each time I talk with someone at that company, they say one thing and do another to make the account look more and more confusing. I am keeping it straight by adding up my purchases and paying for those. I told the rep that I don't want any finance charges applied to whatever amount they omit as a credit for bogus charges ( {$200.00} as it stands now ). She said that there wouldn't be any charges for this. 

One more note. I have paid off the balance amount on this account each month that I have had it opened. I feel that they are disrupting things now to make some money to offset finance charges that they have never gotten on this account.
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

Chase bank customer service has notified me earlier this afternoon that they are ending the relationship with me all because of a fraudulent check. The person who sent me the check said it  was US C ertified and it will clear within a week. But it did n't, and they ended up freezing my account to where I ca n't use it. I went to a manager today on  XXXX   XXXX ,  XXXX   XXXX , LA and showed him the police report stating that I am not responsible for the mishandling of account. I have  XXXX  case numbers to prove it. My family who work for the police station is working with me on getting those people arrested and sued.  XXXX  has already removed several charges on my SLATE card that was unauthorized if you requested to check on this.     I 've had too many problems with chase customer service that I 'm at the point of leaving them for another bank. They did n't think I was a good customer while  XXXX   XXXX  did and understood what I was going through.     If they do n't get this problem fixed and decide to report me to  XXXX  I will be notifying the department of treasury at the white house for illegal closing of an account without a good reason.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (AZ)

in my XXXX payment I included an extra XXXX to go to principal but the mortage company did not credit me with payment. they used the payment for escrow account. I had written instructions the amount to go to principal but they did not credit me with the amount to go to principal