davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I had a mortage with Wells Fargo in XX/XX/2020 I took 3 months relief not to pay and then I took another 3 months relief. Then I started paying a regular payment every month I called them .Wells Fargo up in XXXX stating that I wanted to do something about the those 6 months that I had missed and they gave some options I told since it was like {$7000.00} I would like to put it at the end of the loan. So we started a modification process but it was taking a long time. Then we got a letter stating they sold my sold my loan to XXXX it was in underwriters on XX/XX/XXXX it went to XXXX and when I called the underwriters they said you are no longer with us you have to call XXXX. It was the same time the payment was due and called and would not except no payment unless it was the {$7000.00}. Or call them back XX/XX/XXXX for a review. This is my complaint
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MA)

My wife and I took out a Mortgage with XXXX XXXX  in XXXX of XXXX. The loan was purchased by Flagstar Bank and the transfer took effect on or about XX/XX/XXXX. Our loan payment is XXXX per month. We have made regular on time payments since we took out the mortgage. We have made payments that were over the required monthly amount so as to pay down the principal sooner. The XX/XX/XXXX payment in the amount of {$700.00} was already sent to XXXX XXXX  so as to be on time. XXXX XXXX sent that payment to Flagstar bank and Flagstar held it in " Suspense Balance '' according to our statements and did not apply it to the XXXX payment. Since about XXXX XXXX we have contacted Flagstar customer service at least 6 times by phone because they keep sending us statements that we are behind on our payments, each time I have called their customer service they have said they understand what the issue is and will rectify it. We have made our XXXX payment of {$630.00} on time and now our latest statement from them that is dated XX/XX/XXXX reads that we are still considered late and that we owe {$1200.00} by the date of XX/XX/XXXX. In addition to that, the statement reads that now they are holding our latest payment of {$630.00} in " Suspense Balance ''. It looks like they finally applied the original {$700.00} XXXX payment to our Mortgage balance and are now holding the XXXX payment hostage. During this time we have also received a letter from Flagstar dated XX/XX/XXXX that states we are past due in the amount of {$66.00}. This is the amount that we were paying extra each month towards our principal. How can we be delinquent on this since we are not REQUIRED to pay this extra amount? We have now also received a notice from the credit monitoring service XXXX that our FICO  score has decreased. Our score has always been excellent and prior to this transfer to Flagstar Bank was in the 800 's. We will make our XXXX payment of {$630.00} on time which should be all that we currently owe. Please help resolve this issue. 
Thank you
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NY)

I owed U.S. Bank National Association D/B/A Elan Financial Services {$10000.00}. Three years ago I tried to settle with them, but was unsuccessful in reaching them. In XXXX of 2021, through XXXX XXXX XXXX, U.S. Bank National Association D/B/A Elan Financial Services and I entered into a settlement agreement for a one time payment of {$8700.00} to satisfy and settle the account. However, they have not held up there end of the settlement and have reported a balance owing on my credit report for {$2100.00}. I have tried to call them and they bounced me from person to person 4 times and was then on hold for a very long time so I left a call back number, but they did not return my call. I would like them to honor the settlement agreement and remove the balance they say I still owe them on my credit report.
Consumer complaint received 2022-02-03
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. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: COMMERCE BANK (MO)

Commerce Bank sent me a 1099c cancelling debt I DO NOT OWE as my account was compromised years ago and charged off at said time due to fraud someone stole my debit card and used it! I refuse and will defend it vigourusly and am not claiming this on my tax return in that it did NOT occur in 2020 but years before. Shame on Commerce Bank DO NOT use them!
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (IL)

I had went to TitleMax in Illinois to get a title loan and I had brought them everything that they had asked for I was on unemployment at the time and my unemployment had ended well the GM at the Illinois store had seen that I had no income and I would have been fine with them telling me that I was not approved for the loan but she went about it her own way and head not told me what the interest rates were not told me how much the payments were going to be nor told me what the payoff would be after it was all said and done well 30 minutes after I left the business I called to the loan company TitleMax and had told them that I did not want the loan after I looked over paperwork online and she refused it and told me that I can not bring check back up there that she will not accept it and had made the remark by the way I love repoing vehicles I have contacted the company numerous of times and try to settle out with them and they won't accept the offer I feel like they took advantage of me knowing I did not have no income nor any way to pay my loan off and when I try to return the check they gave me they refused it I feel like they should be held accountable for all the illegal actions they took as in refusing to verify my income refusing to accept the payment back 30 minutes after I left the store refusing to settling out with me and charging me 134 % interest rate once again knowing I do not have the income to pay it back and I would have been fine with him telling me I'm sorry ma'am but you are not approved but instead they took advantage of me what legal actions can I do to hold them accountable for their actions
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-20
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: BARCLAYS BANK DELAWARE (CA)

Barclays Bank XXXX XXXX Credit Card called me on XXXX, XXXX around noon to verify a transaction happening at XXXX XXXX. I told Barclays Credit card Caller that I am at my office. I am not at XXXX. she asked me, do you have Barclays Card with you? I replied to her, NO. I don't have this card with me. it must be at home as per my knowledge. She put transactions at XXXX as fraudulent and closed credit card as lost as stolen. 

I tried to talked with Barclays Credit card investigation at XXXX XXXX XXXX and she asked to fax her which I faxed on XX/XX/XXXX. they received and Barclays didn't replied. I faxed again on XX/XX/XXXX with Police report and called Barclays and they admitted, they received my faxes and it will take 7 to 10 days and some manager will call me. so far I called over 10 times within 15 days and talked with XXXX, Employee ID, XXXX, than XXXX, ID # XXXX and she transfer to her manager, XXXX, ID, XXXX and XXXX, ID # XXXX  and XXXX, ID # XXXX of Barkleys credit card. nothing is resolving as of XX/XX/XXXX I have very good credit history and a very responsible citizen. this Barclays is trying to Destroy my credit history. I am not able to pay this fraudulent charges of {$420.00}. 


therefore, please help me and put a very heavy fine to this Bank.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

Im writing to you guys as I have already reached out to my bank - Chase, on several occasions and Ive had an absolutely horrific experience with this bank. 

I am extremely disappointed because Ive been a Chase customer for over 10 years. 
And Ive never had an issue. 
But about a month ago I deposited a check for {$200.00} through their Chase ATM machine at one of their locations. 

As soon as the check was submitted through the ATM. Their ATM machine malfunctioned and shut off. 
And essentially ended up eating the check supposedly, according to them. 

I have literally spent over 6 hours on the phone with Chase.

Only to get transferred from one department to the next.

I have talked to l probably 100 people. Not even kidding you.

And NOBODY has any really solutions or any way to help me apparently.

They basically ended up telling me that I needed to take my missing {$200.00} and go to h*ll. 

I had probably 10 different people that work there actually hang up on me. 
Everyone was extremely rude. 
No one is willing to help. 

They even went so far as to tell me that if I didnt like the idea that they basically stole my money from me. 
That I would need to take them to court at this point if I wanted to try to pursue anything absolutely unreal. 

I just can not believe this bank. 
HORRIBLE customer service. 

The fact that they basically have stolen my money from me and are refusing to make this right, and the fact that they have made this whole ordeal a living hell for me to try to get my money back from them!! 

In addition to my statement I also included some documents related to it. 

The actual receipt that the ATM spit out after I deposited this money. 
And then also a letter from them on XX/XX/21 stating that they agreed and that the temporary credit ( they gave me while they investigated it ) was now a permanent credit. 
ONLY For them to all of a sudden decide on XX/XX/21 to deduct {$200.00} from my account due to this after they had told me it was rectified. Then they just decide to just take my money back instead? Unbelievable. 

It is not MY fault that THEIR machine malfunctioned. 
I just want my {$200.00} back. 

DATES : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 ( Dates associated with the initial deposit itself, and then all the times Ive had to call and sit on the phone for hours upon hours ( over 6 hours total ) to try to get this resolved with nothing more than to be screamed at and have people hang up on me and tell me to get lost basically )
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (IN)

Ms XXXX and I do not have the greatest history! She was very nasty to me when I called in on XX/XX/XXXX. She is rude and incompetent. Her attitude is poor and she does not have quality customer service. I requested a supervisor and she denied me that right! I hung up and called right back and got Ms XXXX who didnt not address nor care about my concerns and she is supposed to be a supervisor. Yesterday I was able to speak and be routed to Ms XXXX who is an absolute pleasure. I will not speak to anyone at this company unless it is Ms XXXX, as Ms XXXX is rude and I told her I no longer wanted her to contact me. However she contacted me this morning and left a voice mail saying IM GOING TO NEED YOU TO CALL ME BACK. That is not how you conduct business nor is that how you ask for a call back. A more professional way to ask would be to say please return my call when you get a chance. Ms XXXX is not ever to contact me again
Consumer complaint received 2021-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-21
Product: Mortgage — Reverse mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN ADVISORS GROUP (VA)

Early in XXXX, we closed in on a reverse mortgage with a company XXXX. Their spokesman is actor XXXX XXXX. The ads on the Tv. seemed honest. We were told we had substantial equity and assumed we had some cash coming at the closing. The notary said there is no cash instead an amount of XXXX XXXX dollars was set aside for needed repairs. The money to be given to us after the repairs are made. I told them I need some of the money for a down payment for the repairs to get started, but they say no way. Now I have been informed that the loan is in default because the repairs are not done. With the covid and no money for a 30 percent down payment, I am locked out. The XXXX not-so-nice department sent me a letter of the statement says I have a credit line of XXXX to use. I call them in XX/XX/XXXX and I asked to have the money for a down payment for repairs and they told me I can not have the money because the loan is in default. Why did they send the letter to me in the first place? Now in XXXX I contacted the XXXX office which is accounting and residency verification told me that the XXXX office is breaking the law that that money is mine and to be used for any bill or project I choose. They told me that putting the loan in default has gone against us in the credit line making us look like we are behind in payments, there are no payments in a reverse mortgage. Either way this makes us look bad, it's like we are being punished for nothing.. The XXXX office is trying to straighten things out but the XXXX is not coperating. Nothing seems to be going anywhere. I would suggest starting with the XXXX office as they are trying to be helpful.
Consumer complaint received 2022-02-03
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
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. (MD)

DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator DateXX/XX/XXXX CompanyXXXX, XXXX XXXX XXXX, XXXX AddressXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WASHINGTON, DC XXXX Request Originator Has put hard inquiries on my credit report without my knowledge or approval. Tried to dispute it and they obviously provided some fraudulent paperwork to substantiate it. They have done this twice in the last two years
Consumer complaint received 2022-02-03
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. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

We have been getting an unauthorized charge from XXXX since XX/XX/2020 and PNC Bank will not help resolve the issue. In fact they just collude with the vendor. We contacted XXXX several times and they say they can not help without an account number. We gave PNC the transaction information listed on our checking account statement and request additional information about the charge. PNC 's reply was exactly the same information we gave to them, that is just what was listed on our statement and nothing additional. We requested the reversal of a charge and PNC then replied that their information showed the charge was correct. So only having the date and amount is all that is required to deny a refund. PNC 's despicable conduct would allow all thieves free access to all money. Additionally, the debit card being charged has expired yet PNC continues to pay with an expired card for transactions we want stopped.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (NJ)

I applied for what i though was a " credit card '' in order to cover some car repair cost during the COVID 19 pandemic. I needed my car in order to get back and forth to work. I went to XXXXXXXX XXXX XXXX and they told me that the loan would be interest fee for the first 6 months. I ended up receiving the installment loan agreement in XX/XX/2021. I was not told that the loan would be paid weekly and have a daily accrual rate in the amount of0.45205 %. I financed {$1600.00}. They did not disclose to me the interest rate 164.54 %. I have been paying a weekly payment in the amount of {$63.00} for 51 weeks. I would end up financing {$3300.00}. This is abusive and i feel taken advantage of at this point. I am not working. I have called the company and spoken with the representative XXXX and spoke with XXXX the supervisor who was not able to help me however he did report that he would be escalating the problem to his supervisor that would try to resolve the issue. XXXX did her best to explain the terms of the agreement and reported that the store XXXX tire company should have went over the term of the agreements ( which they did not ). XXXX also reported that there should have been a electronic contact that was needed to be opened and signed on my phone which was also not sent.