davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (SC)

Dear CFPB : This was prepared as my Dispute of XXXX Bank 's Response in Case Number XXXX. The CFPB website, due to a technical glitch, will not permit the Dispute to be submitted. Consequently, I am filing a new Complaint. However, this should be consolidated with the aforementioned Case. 
This case pertains to the refund of tax overpayments by banks to their home mortgage customers. It is a standard practice for a homeowner with a mortgage that escrows taxes to pay real property taxes TWICE when a home is sold near the beginning of a tax year. When this happens, the taxing authority ( in my case, XXXX County, Maryland ) refunds the surplus tax payment to the homeowner. The procedure it follows for making this refund is as follows : half of the amount due is sent directly to the homeowner ; the other half is sent to the pertinent mortgage bank for repayment to its home mortgage customer. Accordingly, XXXX County made the direct payment of half the tax refund due ( {$10000.00} XXXX. It sent the other half to US Bank 's agent for tax payments and refunds, a company called XXXX. The XXXX XXXX XXXX XXXX XXXXXXXX, has advised, in writing, that the latter payment cleared XXXX XXXX, 2016. Nevertheless, after the passage of four months, the tax refund of {$10000.00} is still in US Bank 's hands. 
So how did US Bank respond to these allegations when made in Case number XXXX? It pointed to the payment of {$10000.00} and implied that was everything to which I was entitled. The Bank ignored the payment by XXXX County of the second half of the tax refund to its collection agent, XXXX, for repayment to me. 
I have furnished US Bank with written documentation from the XXXX XXXX XXXX XXXX XXXX that it directly paid me a tax refund of {$10000.00}, representing half the sum due, and that it it paid the Bank 's agent, XXXX, the remaining tax refund of {$10000.00} earmarked for me. The written documentation confirms that saif payment to US Bank 's agent cleared XXXX, XXXX, 2016. 
Given these representations, is n't it clear that US Bank is either engaged in intentional obfuscation with the intent to defraud, or that its banking practices are sloppy and lack adequate controls. Either way, it is not reasonable to assume that the Bank 's mishandling of the tax refund is limited to my ordeal. The stronger assumption is that US Bank 's mishandling of tax refunds, whether due to intentional conversion or inadequate internal controls, is injuring a broad swathe of its home mortgage customers. 
For the forgoing reasons, I respectfully request that the CFPB investigate : 1 ) US Bank 's refusal to pay the {$10000.00} tax refund sent to it by XXXX County on my behalf ; and 2 ) US Bank 's tax refund practices and procedures across the base of its home mortgage customers. 
Thank you for considering this Complaint and for also reading this statement in conjunction with Case number XXXX.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (PA)

I called the company to dispute the validity of the debt and was advised by the representative that while it may take up to 90 days validate the debt, I could take advantage of the discount period in order to settle the debt. I advised that I received notices from two different companies and that was the reason I was in contact with this company. The attempting to collect occur twice before I was told they would send me something in writing.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes by means of a XXXX XXXX XXXX ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX   XXXX not mine XXXX XXXX never late XXXX XXXX XXXX {$580.00} not mine
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

I took a Parents Plus Loan for my oldest daughter. We have been paying it for 18 years and the principle stays at {$48000.00}. It was originally through XXXX XXXX and now Navient. I consolidated the XXXX loans. The payment is $ XXXX/month with 6.75 % interest. But 18 years?? I try to speak to them, but the folks in XXXX just tell me I have had a couple of late payments and that is why. Not good enough for me. My daughter has been an XXXX and now has XXXX XXXX degrees. I know XXXX XXXX/Navient were in the news for overcharging late fees but the ombudsman group has never gotten abck to me on that. If someone could make me unsderstand why the amount has not gone down. I am turning XXXX on Monday and really do n't feel like taking this into my retirement years. 
Thanks so much, XXXX
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (SC)

I was working for XXXX XXXX and moved some stacks of newspapers on my counter. I lifted a stack and moved the wrong way and I got a sharp pain down my arm. After that I could n't move it and I was in a lot of pain. My manager, XXXX at the time drove me to XXXX and stayed with me and went in the room with me when my name was called. After examing my arm she asked if it was a workman comp. Situation and the Dr. Said yes. We went back to work and I had to fill out papers with her because I could not write, for the forms for workman comp. After that I left her office and got driven home. I thought it had been paid and now I see it has n't.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

ProCollect is reporting a debt of {$6400.00} which is also tied to a judgment on my credit report. The judgment is only for {$1900.00}. I have contacted ProCollect to try to handle the situation and they are very rude and hang up in my face. I sent of request for validation and XXXX has deleted ProCollect from my credit report.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sound Collection Services (WA)

I was told by my Landlord on XX/XX/XXXX I had until XX/XX/XXXX to move out because my lease will not be renewed. I had XXXX witnesses who heard this conversation one of them was the property manager. I wrote a letter stating that I was being evicted and my lease was up on XX/XX/XXXX. I also stated on there I was giving my notice for moving out even though i was being evicted. Well I dropped this letter in the drop box at the apartment complex. Then I started getting phone calls saying I owe for the Month of XX/XX/XXXX. I was contacted by a new Landlord from the complex. I told them what happened and had a copy of the letters I left and went and dropped them off with the new landlord because they said I never gave a notice and I was never evicted. Anyways I gave a copy to the new landlord and they still are trying to get me to pay the {$600.00} plus I do not owe. I still have the orginal copys. I was and still am on Section 8 Housing and they HAVE the copies of everything also proof that they called XXXX apartment asking why they evicted me. I had to go though a hearing because I almost lost my section 8 housing because of my Landlord. THankfully I did not lose it because the proof of the letters helped in my appeal. I just want this off my credit score because I do not owe this.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

Truly, XXXX XXXX
Consumer complaint received 2020-10-19
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. (AL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against  XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

After a period of financial difficulty, I received an offer from Wells Fargo for a loan modification to bring the account current and to lower the monthly payment. I needed to make a payment by the end of each month ( XXXX, XXXX and XXXX XXXX XXXX to qualify. To assure the payments were received by the last day of the month, I utilized XXXX 2-Day service. Apparently, the XXXX delivered the Priority Mail package with my XXXX payment XXXX weeks late! I did not know that this occurred until I received a letter XXXX from Wells Fargo stating the XXXX payment had not been received and that I was ousted from the Loan Modification plan. On the same day that letter was received from Wells Fargo, I received a letter from their attorney. I promptly replied to Wells Fargo and supplied documentation from XXXX showing the package was supposed to be delivered on XX/XX/XXXX, but did not arrive until XX/XX/XXXX! With that reply and documentation, I also included another payment for XX/XX/XXXX I believed that once Wells Fargo reviewed the documentation and saw that I attempted to make the XXXX payment on time and that XXXX mishandled the package, I would be placed back into the Loan Modification program. Unfortunately, today I received a letter returning the XXXX payment. I acted in good faith to make the trial payments as required. I believe that Wells Fargo should act in good faith, given the documentation and proof provided them, to continue the loan modification as originally offered.
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

My mortgage was transferred to a new servicing company, PNC. I had been paying an additional principle payment each month in addition to my mortgage. I called PNC as soon as the mortgage was transferred and requested that no additional principle payment be debited from my account. I was asked to complete forms to indicate the change and I did. I called back and confirmed that only the mortgage payment would be debited from my account but the bank withdrew additional funds. I called again and requested that the bank cease withdrawing additional funds from my account, only my monthly mortgage payment ( the amount due, nothing else ). The bank told me to complete more forms. I have done that. I was told that there would be no additional withdrawal amount and yet the amount schedule is larger than my mortgage payment. I have contacted PNC multiple times to remedy the situation and they have not made any changes to the automatic withdrawal. Again, I have completed multiple forms and made multiple requests but there has been no progress.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (GA)

My wife purchased a drink at XXXX XXXX on XXXX/XXXX/16. Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. EXACTLY XXXX minutes later an online charge of {$310.00} was made to XXXX XXXX, and an online charge of {$1100.00} was made to XXXX in XXXX and another online charge of {$320.00} made to XXXX XXXX was Declined by Wells Fargo. So it appears that 15 minutes after my wife purchased a Smoothie there were XXXX online charges made Fraudulently by a store employee who skimmed my credit card number. I have active Fraud cases open with Wells Fargo for these charges. She returned home immediately after buying the Smoothie so there was no other store purchases by her or myself. I was at work. I do not know who attempted these purchases. I assume they are female because of the XXXX XXXX purchases. So I am unable to provide the information requested above for the name of the person who committed this crime. I want to be refunded {$310.00} back to my card. I myself contacted XXXX to stop the {$1100.00} charge. Wells Fargo is saying they will not refund the {$310.00} because they show it was delivered to my address. It was not. 4 times a year this stuff shows up on 60 minutes where they get tracking info and wait for XXXX to deliver while you are at work.. Anybody can get any address from the name on your CC in 2 minutes from XXXX
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WY)

My lender is not helping me save my house. I tried to submit an application but my lender refused my application and said that there is no offer available for me. I just want to save my house and I am able to make my monthly payments now that I have been doing well. Please help me.
Consumer complaint received 2017-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage loan was with XXXX but they sold it in XX/XX/2013, was told they sold it to XXXX then XXXX and now SPS. Nobody can prove or show me paper work that they own my mortage. I pay SPS every month but when I call to get any documents they never send them to me. I have requested the Doc 's numerous times, even tried online but it says I have to call. Nobody can prove they hold my note.
Consumer complaint received 2015-09-29
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PR)

I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender Salie Mae to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX XXXX, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX XXXX due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness doctrine practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (VA)

I've requested Tek Collect to validate the debt in the amount of {$280.00}. Tek Collect sends a statement of services and my patient registration information. This does not constitute validation of the debt they allege owed to Tek Collect. Tek Collect is defaming my character by reporting a derogatory collection account to my credit file. For there to be an enforceable claim all parties must consent to contract. I have never given consent to contract with Tek Collect. I have been asking Tek Collect to substantively respond to the following question : Show me your lawful authority to enforce a debt claim against me to my detriment without my consent. If they will not substantively answer, they must cease and desist and immediately remove any derogatory reporting to the credit bureaus. 
Further there is discrepancy with the date opened that is being reported. ( please see attached ). 

Further I am requesting Tek Collect Provide written confirmation this matter has been permanently resolved.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (CA)

Possible loan company has put a derogatory mark on my credit report at - XXXX points due to one payment of XXXX dallors after I had emailed them several times about my payment when it was in good standing I wa neve late in my payments and our on time after they took their payment on XX/XX/XXXX and weeks before I told them to I had a payment plan and to stop Over drafting my bank account to be bias and aut of retaliation they reported me to two XXXX agencies and for negative XXXX points for XXXX they have no phone to be reached out address its completely wrong and fraudulent
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

Someone stole my information and has used it to open this loan. I didn't open this loan, and I have not authorized for this loan to be opened. I have contacted the company over 100 times and I am not getting a resolution. The company also got sold when I was in the process of having the loan cleared from my name, and now the new company can't verify information I have already went through with the previous company.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OR)

I originally requested PMI cancellation from Seneca Mortgage in XXXX after our county appraised our property at XXXX times our purchase amount. Seneca responded that they needed more time and to not file a written request yet, as they had made a mistake in acquiring the loan and only had record of XXXX of our XXXX acres. I made numerous phone calls over the next couple of months, spending 5-10 hours on the phone checking on the status of Seneca 's progress in servicing all XXXX of our acres. Finally in XXXX, they assured me they had resolved the issue. My written request for PMI cancellation was processed in XXXX. However, Seneca denied my PMI request for cancellation after an appraiser completed his appraisal of XXXX of our XXXX acres - appraising less than 33 % of the value of our property. 
After fighting with Seneca for 4-5 hours on the phone over the course of 2 weeks, they agreed to conduct an appraisal of our property that did not violate the Home Owners Protection Act. 
Seneca failed to complete this appraisal. In XXXX, over 5 months after requesting PMI cancellation, Seneca transferred my loan to XXXX. XXXX is currently claiming that Seneca refunded my appraisal fee at the request of Seneca, effectively cancelling my request for PMI removal.
Consumer complaint received 2020-10-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NM)

Previous CFPB Complaint XXXX was closed but the response and documentation provided on the result DOES NOT BELONG TO ME.

My Santander Account number is XXXX and this account was never been repossessed or in charge off status. This account is current. See my statement attached.

You are mixing my account with someone else with the same name  but lives in NM. The letter you provided dated XX/XX/XXXX is for different accounts number ending in XXXX. That is not my account!
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (GA)

RECEIVABLE PERFORMANCE/XXXX has consistently troubled me over a debt of {$960.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

Receivable Performance must delete it from my credit report with deliberate speed. 

Thank you!