davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I tried phoning this company ( and others ) more than once about this issue. 
I am in enrolled in automatic payment, but the credit card statement doesn't say anywhere on the front page that this is the case. I don't use the card very often, and so I have to research every time I forget. Looking through my file, searching their fine print. This creates two profitable opportunities for the credit card company : XXXX. I pay the bill when it is already being deducted from my bank account, and they have the use of my money for probably 90 days. On a national scale, this is very profitable for a bank to do all year long. This is, after all, how banks make money. 
2. If I think I am still enrolled in automatic payment and neglect to pay the bill, they get to charge me a huge penalty and interest. Again on a national scale this is very profitable. This is the more insidious way that banks make money. 
Why are these companies allowed to not show this vital information on the front of their bill prominently? They used to do it!!! 
It is surely costing consumers, especially the elderly, money all across the country. 
THIS NEEDS TO APPLY TO ALL CREDIT CARDS!!!!!!
Consumer complaint received 2023-02-23
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

Received credit report. The amount owned and what I paid on the credit report is inaccurate. 

The amount is lower and what I should have paid what WF has submitted to the credit bureau. What WF asked during foreclosure and pay off was over XXXX more than what I should have paid. 

Wells Fargo states one thing on the Credit Report but request a larger amount during payoff.

Wells Fargo manipulating facts as usual.

Wells Fargo never contacted me regarding settlement of the XXXX XXXX dollars for customers past and present. 

The worst is the confusion of the whole mess starting in XXXX or XXXX when Wells Fargo bought Wachovia out and when my account split. No major explanation was given until it was to late. Customer Service was ill informed from CEO 's and Board which they informed the customers. 

XXXX : XXXX the account # XXXX is a medical bill from XXXX. {$1200.00} goes back to XXXX. Why is it still on my credit report. Changing dates and manipulating the dates. This needs to be removed immediately
Consumer complaint received 2016-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

I XXXX XXXX and my brother XXXX XXXX were contacted by HUNTER WARFIELD COLLECTION AGENCY ( XXXX ) XXXX, stating that we owe the amount of {$8000.00} which owed to their client, XXXX AT XXXX XXXX address : XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 
I XXXX XXXX and my brother XXXX XXXX no longer live at XXXX at XXXX apartments from the address above since XXXX XXXX, 2015, due to the purchase of my new house and the balance that we owed was zero dollars at that time. 
As the agreement we came on with Property manager XXXX XXXX XXXX on XXXX XXXX, 2015, in finding the new tenants XXXX XXXX XXXX and her roommate to take over the remaining of the lease and all rent responsibilities. XXXX XXXX agreed to tenant replacement and notice letter was given to her on XXXX XXXX, 2015.
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC (IN)

Per XXXX XXXX XXXX XXXX, my insurance has paid all but XXXX $ 's of my bill. Med XXXX Solutions has continued to harass me and even filed in court against me to try and collect the full original amount owed of {$19000.00} from service dates XXXX/XXXX/12 and XXXX/XXXX/12.
Consumer complaint received 2016-08-03
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (TN)

My sister was told, if she paid this amount ... she would not owe anything else as she is going to school. The loan would be deferred until she finishes college. She paid the {$50.00} but, it was only to stop them from calling for 10 days. They lied! Now they keep calling saying we owe money and that we have to pay it. They are lairs, the money should be put in deferment until she finishes school. They they said. I am the co-signer and they keep calling both of us after we both said stop calling.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

Ally financial advised a deferment was processed on the loan two different times. I was advised on both occasions that this was resolved however now I am told it is delinquent and the deferment was not processed. This is now negatively impacting my credit and was to be resolved. I attempt to call in and speak with a Supervisor however I am told one will call back and I am not given a timeframe in which they will call. This is unacceptable for escalations and following up on complaints that need to be resolved. 
This is horrible customer service especially during the times we are in currently.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

My mortgage is in foreclosure and I have filed for a loan modification. I have filed all the paperwork involved. This package was completed and submitted by XXXX/XXXX/16. My understanding is that under CFPB rules the bank had 30 days to respond to my loan modification submission. This has not happened. We are in mediation within the state of New Jersey and I believe that the institution involved, Ditech, is dual tracking this foreclosure action and not negotiating in good faith. I have asked for all original documentation and wet ink signatures regarding this mortgage and they have been unwilling or unable to provide the documents.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

I applied for a CHASE Visa Signature credit card. 
The application was not approved. 
The reason given in the letter states : " Too many credit cards opened in the last two years associated with you ''. 
I do not believe that this is a valid reason.
Consumer complaint received 2015-09-01
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (CA)

In XXXX XXXX my wife became medically XXXX and was unable to work. We were no longer able to pay our mortage. We performed a short sale on our home in XXXX, XXXX. The XXXX lien was held by GreenTree Serving. In spite of repeated assurances that the short sale would satisfy our account, the company did not provide a settlement statement at closing and mailed a letter stating we still owed $ XXXX postmarked ON THE DAY OF CLOSING. They began harassing us for the money, calling us day and night, and they wanted us to pay all that money at once. We had to get a lawyer to stop the harassment. Nothing was reported on our credit from that point on. Two years later, our financial situation greatly improved, the VA had declared me XXXX XXXX and I received a pension and my wife had received a legal settlement as a result of her medical circumstances. We were able to buy a home again ( VA standards are to wait for 2 years after a short sale ). But the second lien was still listed as open. We tried to get the company to remove the derogatory information but they refused. We ended up settling the amount for $ XXXX. In our settlement statement we made sure that the date of settlement reflected XXXX XXXX. GreenTree began reporting that we settled in XXXX XXXX, which greatly damaged our credit and prevented us from qualifying for a loan. With a settlement statement in hand we attempted to dispute the date with all three credit bureaus. The credit bureaus ignored our documentation and used what GreenTree told them, that the settlement date was XXXX. GreenTree pretended that it was n't their fault, that it was the fault of the credit bureaus. It took several months of disputes to finally get the credit bureaus aligned to reflect the correct date. We were able to get a loan in XXXX XXXX. By then interest rates had risen over 1.5 %, and the market had appreciated over 20 %. This unethical behavior by GreenTree cost our family over $ XXXX. As soon as our loan was processed, the credit bureaus " magically '' began reporting the XXXX date again. We disputed several times and were only able to fix XXXX of the bureau reports. XXXX is correct, the other eliminated the account altogether, but a XXXX continues to report the inaccurate date. The XXXX bureau refuses to accept our documentation and claims the date has been verified by GreenTree. This company has put us through years of emotional stress and have directly affected our financial situation - tenuous as it is in our recovery from XXXX. 

GreenTree has still asserted recently that their report of the XXXX date was accurate in spite of internal emails and a settlement letter disputing this.
Consumer complaint received 2016-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (GA)

The promissory note states that I " must '' provide XXXX separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? 

You state that I failed to " return phone messages from ECMC or to contact our Collections Department to discuss options. '' I am reattaching all of the communications that I have had with ECMC as I was always in contact with your department to seek a just solution. From the onset of my communication with ECMC, I stated my preferred method of communication on XXXX XXXX, XXXX ( please review Communication XXXX ) as my email address. Please refer to the XXXX XXXX, XXXX email ( Communication XXXX ) where XXXX XXXX confirms that " I know that your preference has been email. '' As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? 

Currently, I am in communications with XXXX XXXX, your manager in XXXX via email as I have requested to work on a resolution. Please have all of your departments contact me via email as originally requested. Do not call anyone else concerning my loan. And please answer every question in this response. You have not answered these specific questions in any of your prior correspondence.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I have been working on a short sale contract for my condo in Florida with GreenTree ( now Ditech ) since XX/XX/XXXX. I have a real estate lawyer to help me navigate this but he has not been able to get much response from the bank. They are constantly passing my contract to a new negotiator who claims to know nothing. This buyer has been very patient and agreed to the bank 's asking price of XXXX ( which is above all the comps ) in XX/XX/XXXX, yet the contract fell through because GreenTree was not responding to any calls or emails from my lawyer. I almost lost this buyer but he decided to give it another shot, we resubmitted the contract in XX/XX/XXXX, and still the contract gets no response. This is for the amount the bank negotiated and I have provided all paperwork they asked, so why is this not moving forward? I 'm afraid this will go into foreclosure.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IN)

Had a loan through XXXX for almost 10 years with no issue. Sold my house on land contract. The gentleman was renting out the house and the loan was currant. XXXX sold to XXXX and they turned to Ditech. Ditech sent someone to the property and told the renters they needed to vacate because the house was being foreclosed on and they will be trespassing. By the time we cleared everything up the renters moved out using Ditech 's henchmen as their legitimate excuse. At that point the man that had the property on land contract started getting gitery on his investment in fear that something shady was going on with Ditech so he and I requested a loan modification which he has been through with several companies many times. At that point Ditech ran a continuous we will call you back run around with us. Almost never was there a record of previous conversations. No one that we were supposed to talk to was ever available and we were sent to voicemail after voicemail where the mailbox was full. Not one email or phone call was returned leveing it impossible to communicate with them. They at one point told us they would not take partical payments and then turned around and told us they were not sure why we were told that ( of coarse things got deeper and worse as they stalled out ). We have been waiting for loan modification papers for the final time for over a month now making handfuls of calls every day being sent to voicemails that are full and not able to leave a message. The are claiming the property will go into foreclosure in XXXX. If they would only do as they promised this entire situation will clear itself up and everyone can move on and they will get their money. If not everyone looses and it will be the sole fault of Ditech. Never have I witnessed such incompetent handling of a loan. 

The last payment was made in XXXX of 2015 for the amount of {$580.00}. I did n't make a payment in XXXX because I wanted written proof that the house was n't in foreclosure as that 's when they evicted the tenants. I then tried to make a {$1100.00} payment in XXXX and they would n't accept it and then tried to make a payment in XXXX and they would n't accept it either. During the course of the last year that have verbally told me twice that we were approved for a modification and then approved for a a repayment plan which I was trying to do for {$800.00} a month and then they never called back again. No exaggeration, I have called Ditech over 100 times throughout the course of the last 15-16 months and have received less than 10 return phone calls.
Consumer complaint received 2015-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (FL)

While considering potential lenders, we decided to pursue a new loan with lender, Green Tree Servicing ( AKA Green Tree Originations ) who held paper on current XXXX residence. We were pre-approved for loan on XXXX home based on income, assets, and XXXX credit rating from XXXX agencies. After over 3 months of financial interrogation, and pushing back closing 4 times, we notified Green Tree that we were abandoning the loan process and paying cash because sellers would not amend agreement for a XXXX closing change. They were adamant that they could not get IRS transcripts or bank statements which we had in hand and provided. They also forced us to pay off current mortgage even though we had sufficient income to continue normal payments. As a result, our investment income was reduced. Then, they held that against us. In the final stages, they informed us that their underwriter had abandoned them and they would need to provide a fresh start for the new underwriter. At that point, we were concerned about fraudulent activity as they had all of our confidential information which they refused to return to us. We have had unauthorized credit card activity on XXXX accounts since we severed our relations. This week, Green Tree sent us notification that they are informing credit agencies that we were denied mortgage credit due to unverified income and insufficient funds to close. We had considered a law suit against Green Tree for mental anguish because they held all parties hostage due to their inept process and created potential financial loses to buyers, sellers and real estate agencies.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

I started 72 month auto loan with XXXX XXXX XXXX in XX/XX/XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and Hyundai themselves on over 10 occasions ).
I had made the last payment on my auto loan on XX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me ).
There was another payment made on XX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XX/XX/XXXX.
There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment.
On XX/XX/XXXX, Hyundai advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to Hyundai, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points.
On XX/XX/XXXX, I sent XXXX, XXXX, XXXX AND Huyndai all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status.
On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be.
On XX/XX/XXXX, Hyundai, once again, reported my account to all three credit reporting agencies as delinquent with a XXXX balance on this closed account. As a result, my credit dropped another 62 points. 

I have made, again, in excess of over 5 calls to XXXX and Hyundai trying to get my report corrected and to get Hyundai to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because Hyundai wont correct their system. 

I am trying to purchase a home and this 62 point drop in my credit is preventing this from happening. Hyundai is not helping me with this matter in ANY way other than telling me to keep disputing it.
Consumer complaint received 2016-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (TX)

Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on 30th day before legally validating per FDCPA laws.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc. (CA)

My identity was stolen and my signature was forged on multiple occasions to renew a lease on an apartment. This is not my debt, I never authorised the lease to be renewed, and I am not responsible for the repayment of a debt that was a result of identity theft.
Consumer complaint received 2015-11-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (FL)

As of XXXX/XXXX/2015, I have maintained part-time enrollment within XXXX University 's XXXX program. XXXX University is located in XXXX XXXX, FL. In early XXXX, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on XXXX/XXXX/15 and XXXX/XXXX/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fax and debited my checking account for the monthly payment of my private student loan. I e-mailed ACS a copy of the enrollment verification letter from my school on XXXX/XXXX/2015 since it is apparent that they have difficulty with not misplacing faxes. Today, I received an e-mail from ACS stating that they will not accept the " verification '' of my enrollment because the letter does not indicate my enrollment status. However, the enrollment verification letter does display my current enrollment status. I need your assistance in sorting out this letter because it is clear that ACS is attempting to thwart my attempts to defer my loan in an attempt to swindle money from a hard-working XXXX who is pursuing a graduate level degree. Notably, this is not the first time that I have had to file a complaint with your department regarding ACS and this private student loan account. Please reference your case-numbers : XXXX & XXXX & XXXX.