davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CrossCountry Mortgage LLC (TX)

We had talked with a lender and applied with him. We used his specific guidance on a quiz for down-payment assistance, and filled it out exactly as he said we needed to. After we were pre-approved for the loan as well as the down payment assistance and already under contract on a house, he called and said we did not qualify for the down payment assistance, but said he could go ahead with the loan. He had promised and reassured us numerous times that it was good to go before submitting an offer on a house. He never could put together a good-faith estimate, nor any other details as to costs, closing or otherwise. When we asked for explanations for anything, his responses were short and lacking detail and never really answered our questions. He was never able to supply information on any costs related to the purchase of the home, only a guess at what our monthly mortgage payment " may '' be. Somewhere during this process he switched companies but never notified us of the change, only a new email. We decided to go with a trustworthy lender and fired him from our contract, and hope no-one else has to go through the XXXX of his incompetence.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX XXXX is a collections agency entity that didn't verify the Capital One account belongs to me and was sold illegally to them. Under the FCRA, the entity must remove immediately from all credit bureaus any unverifiable account and/or information. Such pertinent information can not be sold without my consent either.
Consumer complaint received 2024-09-18
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CO)

I reported it to police and sent the Information to money network. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a printout from money network. They denied my claim but resubmitted my letter of appeal.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SLM CORPORATION (AL)

Called fraud department to explain my ex-wife had authorized an increase on a loan that I did not authorize or sign for. Original loan I cosigned on while we was together. 3 months after we split she changed the account to where I wouldn't receive the mail or emails and applied for an increase on the " total loan amount ''. The fraud department let me know they couldn't do anything essentially except change my email and lock the account. The ex-wife is apparently extremely delinquent on these loans ( which I couldn't have know until my credit took a huge hit, because I wasn't receiving any of the mail or emails ).
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc (CO)

I am submitting a complaint against Freedom Acceptance. I had opened a case on this already and it was not addressed that the amount owed was accurate. I had a balance of {$750.00} and keep increasing the amount, currently they just updated my amount owed this last week {$9.00} bringing it to a total of {$3500.00}. I have not have not received a payment history or a itemized bill stating all charges and fees. This has also been addressed in Attorney General XXXX XXXX XXXX vs. Freedom Furniture & Electronics, Military Credit Services , LLC, and Freedom Acceptance Corporation which is addressed in line XXXX and XXXX. I was also being charged more than the 5 % late fee charge as mentioned in line XXXX going from {$750.00} which was reported by email on XXXX/XXXX/XXXX ( see attached document ) to {$1000.00} which was also reported through email ( see attached documents ) on XXXX/XXXX/XXXX. Which is about 2 weeks in time of each other. Not only have they not corrected the amount for any of the credit bureaus which are violating the Colorado law exceed the finance charges authorized and allowable under Code XXXX which is line XXXX. It was noted in my last claim XXXX that I was granted {$510.00} in which I never received notice or documentation supporting which is required by the Consent Judgment on line XXXX. In attached emails have consumers fees for payments made via electronic means notwithstanding that the Administrator advised Freedom Furniture in XXXX that such provisions violated Colorado law. In addition to threatening a lien on our assets without a actual lawsuit.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

Navient has made repaying loans over the past few most almost impossible. I currently have no income and am unable to make payments at this time. I have provided them with needed income and financial information for other repayment options. They have refused to use this information properly. Instead they told me that my monthly bill payments to other credit cards were not what I was telling them, which was false on their end. They made it impossible to come up with a solution such as lower monthly payments due to me not having an income. They also harassed my elderly grandmother who is my cosigner to pay the bill which she is on social security and can not afford either. They lied to me and said that they could only help me with repayment options if my bill was XXXX months or more behind. Then when I waited like they said they made it impossible to get any thing accomplished. I have also in the past paid fees in order to have my loans " put on hold ''. Navient had been untruthful and a disgraceful company. Not only have they made it hard to repay loans but they have made me rethink why I even went to college in the first place.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (CA)

I took out a same-as-cash 12 month payment plan From a XXXX. This was later transferred to Monterey Financial Services, LLC. My loan was paid in full in XXXX 2017 ; however? Monterey continues to collect payment through the automatic debit I gave set-up. They do not respond to phone calls and website is completely bogus. I am Unable to log in to my account and unable to re-set password etc.
Consumer complaint received 2017-01-25
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: JPMORGAN CHASE & CO. (NY)

XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I 've been having some issues with OCWENLoan Servicing, because I believe they are not being truthful in trying to help consumers. Ocwen claimed they refinanced my mortgage, yet they added an additional {$30000.00} plus on to my principal. I 've been paying my mortgage for the past few years successfully and on time, yet I received a letter from OCWEN stating they have to increase my mortgage payment because I did n't pay enough toward my escrow account. Whenever I call them concerning an issue in regards to my mortgage, the person at the other end of the phone can hardly XXXX, much understand what I am saying. I have to constantly repeat myself. This company needs to be investigated in regards to their practices.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MN)

On XX/XX/year> I received a text message from a XXXX XXXX who says he works with Cardinal Financial and he gave me an XXXX number to call. I called and completely forgot that my mortgage had been sold to another mortgage company that Im working with currently and trying to get my payments caught up. He was a scam artist cause I asked Cardinal Financial a few days later after paying over a {$1000.00} for what I thought was my mortgage. I did go to the bank and tell them that my card had been compromised. The bank tried helping me dispute it but they couldnt do anything about it.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

I recievd a personal loan from onemain financial. I paid the loan off in XX/XX/XXXX and recieved a congratulations on pay off letter. The next month the office is calling me saying i have n't made my monthly payment. I told them i had payed it off and sent them the letter and bank statement. They continued to call and call. Next thing i know is collections is calling me stating im late on payment. I have sent them everything I know to send.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the victim of a fraud. The scheme is as follows. I was contacted by someone from XXXX with a request to take care of a pet. The person sent me a check, which I deposited in my Bank of America checking account. Once the check cleared, I deposited the amount into another Bank of America account as instructed by the fraudster ( minus my fee for the services ). As I was suspicious of this, I waited until the check cleared ( on the very next day ) before I deposited the cash ( minus the advance payment for the services I provided ) to a fictitious pet store for food and other pet care. 
Here are the details : On XXXX/XXXX/2016, I received a check for {$2900.00} and I deposited it the same day at the local Bank of America branch in XXXX XXXX, CA. The check cleared the next day ( XXXX/XXXX/2016 ) and I withdrew {$2600.00} and deposited that amount to another Bank of America bank account. On XXXX/XXXX/2016 the check for {$2900.00} bounced back and the same amount of money was withdrawn from my account. I called the bank ( spoke to XXXX XXXX ) and they told me to contact the fraud department. I asked the fraud department why the fraudulent check cleared the next day, while other checks take at least a couple of days to clear. She said the reason was I had been a loyal customer and had been given access to the money prior to the clearance of the check. I think this is misleading as I would have never withdrawn the money before the check cleared. As a result, I became the victim of a fraud and I 'm questioning the bank 's policies regarding clearing checks. I was told during numerous discussions with the Fraud department that the bank 's policy is to allow customers to use uncleared funds if their accounts are in good standing ; however, the policy appears to not be applied consistently as it was only applied once, for the fraudulent check I received. All checks I have deposited so far have taken more than XXXX days to clear. The policy was only applied to XXXX check which turned out to be fraudulent and the funds were deposited into another Bank of America account. The bank did not provide information regarding where the funds went or tried to do anything about it considering the money was deposited into another Bank of America account. 
In conclusion, I believe that Bank of America 's policies and procedures have caused a loss for the amount of {$2600.00}. With my limited income and as a new immigrant, this is causing me and my family an unbearable financial burden and I 'm unable to pay my rent. 
As I have exhausted all other options for resolution, I am writing to you and hoping you could help me understand why the bank 's policies are applied inconsistently. I do not blame the bank for the fraud, I blame the bank 's policies which when applied inconsistently may result in financial loss for the customers. I have also contacted the police which is investigating.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

Hi there. In XXXX 2015 I refinanced my mortgage through XXXX XXXX Bank, and after a sale or XXXX, it ended up with XXXX XXXX XXXX XXXX. My manual online bill pay payments went through fine for the first XXXX payments, and seemed to go through fine on my end for XXXX and XXXX, but then I received a letter saying my loan was in default and I 've been reported to the credit agency, etc. Nothing on my end changed. I did n't touch any settings in my online bill pay. I have a really strong credit score ( XXXX I think ), and was obviously distrubed by this, and have submitted proof of payment per their specifications multiple times, and have been on the phone with their reps, and there has still been no resolution. My XXXX payment seemed to go through fine.
Consumer complaint received 2016-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (CA)

My sister died on XXXX XXXX, 2016. Since this date we have been trying to contact TD auto finance, the company which holds the loan for her car, so we could pay the car off. Every time we call, we are placed on hold -- once for over an hour. Ultimately, we are asked to leave a message, which we do, but it is never returned. We have faxed them numerous times -- only once did we get a response back -- and this response was telling us the pay-off amount and that it had to be paid off by XXXX XXXX, 2016. Ever since this, we have called almost every day and we have sent several FAXES telling them that we would like to pay off the car and to call us so that we could pay by credit card or whatever method they prefer. We still have heard nothing from them. The deadline is approaching and we are sitting in limbo and feel as if we have no recourse. Please advise.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I received a check for {$2000.00} from my daughter in New Hampshire. I deposited the check into my checking account at Wells Fargo on XXXX XXXX. On XXXX XXXX, I receive a notice from Wells Fargo that a hold had been put on the check until XXXX XXXX due to suspected fraud on my daughter 's account in New Hampshire. 
Well, the funds came out of my daughter 's checking account on XXXX XXXX and the money did not get deposited into my account until XXXX XXXX and that was only after I complained to a regional supervisor. I called Wells Fargo three times during those XXXX days and they told me they can not release the money until XXXX XXXX even though they already have the money and know there is no fraud on my daughter 's end because they already have the money. They had control and gained interest on my money for XXXX days without my consent. Are they allowed to do this?
Consumer complaint received 2016-11-03
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX when my husband and I at the time were still married, we refinanced our mortgage with XXXX Mortgage. We also had a home equity line with " then '' Wachovia '' who is now known as Wells Fargo. During that refinancing process, Wells agreed to remain in the second lein position on the subordination agreement. Now, in XXXX, when we are divorced and trying to sell our home in a short sale, our sale was denied by both banks because Wells Fargo NEVER recorded the subordination agreement to have our title correctly reflect the lein positions. Both XXXX and Wells are refusing to budge and are fighting over first lein position, even though I have a copy of the actual agreement where Wells agreed to remain in the second lein position! I have been communicating with real estate attorneys, short sale attorneys, XXXX, Wells Fargo, and ALL of my resources continue to point me towards Wells Fargo who made this egregious error. Because they neglected to record the new lein position to the title, I am now in jeopardy of going into foreclosure status on my home ( I assumed all mortgage payments myself as of XXXX of XXXX and my ex completed a quit claim deed ). Additionally, and going all of the way back to XXXX of XXXX, I began attempting to remove my ex-husbands name from the Wells account as well, and they denied my application to refi and remove him from the loan. Since the inceptioon of my communciation with Wells, I have gotten nothing but inaccurate information, been pointed in the wrong direction, did not receive calls back and NOW because of their error back in XXXX I may be at risk of foreclosure. My ex and I did nothing wrong. WELLS neglected to record their lein position on the title, and now are credit histories are at risk of complete abomination! This is unacceptable! I opened a case with Wells on XXXX XXXX, XXXX and they are still trying to locate the subordination agreement which I faxed to them to be able to help me and clear this up. This is a complete disaster based on THEIR negligence, and I should not be left with a home in foreclosure and a destroyed credit rating because of the incompetence of Wells Fargo.
Consumer complaint received 2016-11-02
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc. (WI)

Beginning with XXXX XXXX XXXX selling my loan to Seterus, debt collection their customer assistants and " supervisors kept informing me that I had filed for bankruptcy ( I have never been in bankruptcy ) 3 months and numerous phone calls yielded only idol promises that it would be taken care of without any success, so I could not make my first paymentand then a second payment and into the third payment which were in my bank waiting to be processed to Seterus. I finally spoke to someone that returned my call 20 minutes after we had spoken to inform me that I was right there was no bankruptcy but now they would need all 3 months of the mortgage including late fees. Due to a hardship I have fallen behind 2 months on my payments and had filed for modification. Once again the constant problems continue either I was getting letters stating they had not received all paperwork that had been included in the first request. Resent paperwork 3 times now. They were going to allow a forbearance due to a box that was checked, on the paperwork, that should n't have been. Resent All required paperwork once again with a detailed hardship letter and now less then two weeks later have now received a letter stating they can not approve me for a modification due to fannie mae stating that my financial information has been determined that I am not at risk of default because I did not document a financial hardshiop that has reduced my income. Could n't have been much clearer than then the hardship letter explaining my part time job had been discontinued in XXXX thereby deducing XXXX a year less. And because I am a senior citizen, plus, I really have very little options on positions in my marketplace. This would seem to be a conclusion for any cooperative company that it will be difficult to continue my current mortgage payment at the amount it is at now. In addition have received two letter stating that they are going to start the procedure for foreclosue. ( What ) I have equity in my home I can sell it but because this spot and land has been in the family for 70 years and my husband and I built this home 24 years ago ( he passed away XXXX ) I really choose to be able to continue living here. 
I have worked in the real estate and mortgage company for 40 years but I have never found a more difficult and almost impossible, to understand, company as XXXX has been.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CREDENCE RESOURCE MANA XXXX
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX, A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX The account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law Against the above named original creditor/collection agency. Should this Item not be deleted within the required time allowed by law I will seek every Legal remedy available to me and file suit against the credit bureau Responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case Without an error. I encourage a response from you expeditiously.