davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We submitted a loan modification last year with my youngest daughter to Wells Fargo. They said we did not have enough income and denied us. I submitted for a loan modification with my oldest daughter. They insisted I had to use my youngest daughter also for qualifying even though I told them that my youngest daughter had not filed taxes and went through a divorce. They insisted. Now Wells Fargo says that we make too much money to qualify for a loan modification. My rate is at 5.625 I am on social security and over XXXX years old. I do n't want to move but they are forcing me to. I put a lot of money down on this home and they wo n't work me. They are not willing to lower my rate or modify my loan. Wells Fargo is taking advantage of me based on my age and not willing to work with me.
Consumer complaint received 2017-07-11
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: Blackhawk Network Holdings Inc. (CA)

My debit gift card card was fraudulently used and the entire balance was spent. I purchased the card on X/XX/2017 at the XXXX in XXXX XXXX Ca and loaded a balance of {$500.00}. My card was fraudulently used, charged {$500.00} and drained at the XXXX XXXX in XXXX, CA on X/XX/2017. I contacted Blackhawk network ( BHN ) immediately when I noticed the fraudulent charge. The gift card never left my possession. I submitted the transaction dispute form to BHN on XX/XX/XXXX. I have tried to contact BHN multiple times regarding the dispute and have received no information and have not received a refund of the fraudulent transaction.
Consumer complaint received 2017-07-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

A tax lien was incorrectly placed upon me. I have disputed this many times with all three creditors and all have removed the lien with the exception of Equifax. I proved to the state of Ohio that I did not in fact owe the state any tax money. This has been on my credit report since 2012. The reference number for this lien is XXXX and was reported on XXXX XXXX, 2012. <P/>It has now been five years and this has been detrimental to my credit score. I did not owe any money to the state and I have proved to them that I did n't which is why it was released and I am respectfully asking for it to be removed.
Consumer complaint received 2017-07-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NC)

Hello, My complaint is to correct the negative information reported to the credit bureaus regarding my mortgage loan. On XXXX XXXX, 2017, I was approved for the NC Foreclosure Prevention Fund. All parties were notified. To avoid getting 30 days past due and avoid the negative reporting, I made the XXXX 2017 payment on XX/XX/XXXX, since I knew the program was not going make the XX/XX/XXXX payment in time. <P/>I called PNC @ XXXX on XXXX XXXX, 2017 @ XXXX XXXX to inquire on the XX/XX/XXXX payment to avoid a missed payment. I was informed that the bank received 2 payments that will be applied for the XX/XX/XXXX and XX/XX/XXXX payments since the XX/XX/XXXX payment had been made. I explained that I was calling to verify if I  needed to make the payment so that the account does not go past 30 days. I also verified that there was no negative credit bureau reporting. The representative confirmed that there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 at XXXX in response to the letter dated XX/XX/XXXX. The representative informed me that the payments were received and to disregard the letter, it was mailed in error. I explained the date on the letter and also asked to verify no negative credit bureau reporting. The representative confirmed the two payments were received from NCHFA and there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 @ XXXX in response to the letter dated XXXX XXXX, 2017 regarding negative credit bureau reporting. I informed XXXX of the prior calls and asked about the negative credit bureau reporting. She advised me that the negative credit bureau was because the XXXX 2017 payment was posted to the account on XX/XX/XXXX. I advised of the prior calls and asked to dispute the information. She said that she ca n't account for anyone else, but she is telling me that PNC reports when a late fee is applied to any account. I explained that the payment did not exceed 30 days and did not warrant a negative credit bureau reporting. She said because after the XXXX the late fee was applied to the account, PNC reports that information. I explained that I would like to dispute since I called 2 times prior, the calls are recorded and the payment was past the 15 days but not 30 days late. She said that she would submit a complaint but they will not do anything about the negative credit bureau reporting.
Consumer complaint received 2017-07-11
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I closed a XXXX checking account I had open in 2014. I have had a XXXX XXXX Checking and savings account since I closed out the XXXX account. I closed the account because I had multiple problems with them and what I believe was fraud on their part. They would not deposit checks when they said they would. I was constantly having bounced check fees and could not figure out why. I have been told by XXXX XXXX that I have something on my account from 2014 from XXXX. When I closed my account in 2014 I worked with a manager to get all the fees removed from my account. I do not know why they reported XXXX dollars delinquent to XXXX XXXX. It is causing problems for me to open up an account with a credit union despite having no problems with my XXXX XXXX accounts. XXXX was well known to do things that were borderline illegal. I asked for a review and they did not change anything. What recourse to I have to get this off my report. I do not feel I owe this money.
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I have an income based repayment plan with Navient that I renewed in XX/XX/XXXX. I submitted my income information, but it seems to me like they did n't even read the information I gave them. They gave me a payment I could n't afford and basically told me that there was nothing I could do to lower my payment. They told me that my payment increased so much because the interest rate went up and that they had told me the interest rate would change in the original promissory note that I had signed when I received the loan ( back in XX/XX/XXXX ). What my major issue is now, since I 've written several complaints about this company before, is that they keep increasing my monthly payment by a few dollars every single month. I have written to them and asked why my payment keeps going up and they keep saying that it 's because of the varying interest rates and that I had agreed to this when I accepted the loan originally. Problem with that, is that I 've been repaying my loans since XX/XX/XXXX and it 's never been a problem until this year. My principal balance never goes down and they keep telling me that my payments are being allocated properly when I can see that they take half of my payment ( sometimes more ) and apply it to interest, so I 'm never making a dent in my student debt. I do n't make much money, despite trying to get a decent paying job since I left school in XX/XX/XXXX, but they keep raising my payments and give me different reasons as to why as well as telling me that this is what I signed up for when I applied for a loan with XXXX XXXX. <P/>Something needs to be done about this, because after I pay Navient, I barely have enough money to buy groceries for my family, and I certainly do n't have enough money to take care of myself. I do n't believe for a second that my principal balance is going down, because I check my loans almost daily, and I do n't see my principal balance going down AT ALL. I am sick and tired of paying thousands of dollars a year and somehow ending up further in debt every single year. I 'm tired of their excuses and their reasoning, basically telling me that I signed up for this. I am done with their excuses and I need something to be done about this.
Consumer complaint received 2017-07-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Equitable Acceptance Corp (NC)

On X/X/2017 I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX This was the email I sent after shortly finding out that they were a fraud student loan company " Hi, My name is XXXX XXXX XXXX and you can reach at XXXX XXXX. I wish to cancel this loan agreement because is agreement is incorrect in regards to the information that was provided. I was mislead and I want to cancel. After reading the BBB reviews and complaints you guys are not the type of company I want to deal with please reverse everything! '' They then sold my contract to another company called XXXX XXXX XXXX in California in which I repeatedly asked them not do because I was going to stay with XXXX after finding out about their fraudulent company.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

In     XX/XX/XXXX  (  XX/XX/2016  ) I had request ed again ( I do not have a date of the previous request ) tha t PNC applies my  extra payments to principal rather than advance the due date and taking their interest. I would like to reduce my principal and pay less interest. I had to call again today because they have not been doing this and instead they are taking my money. Now they also have messed up my escrow account and are saying I owe an extra {$660.00} rather than the {$110.00} which is the amount my taxes went up. I understand I owe my taxes through escrow and am happy to pay however it should be accurate.     I called today and was refused a supervisor when I requested because the agent could not understand that {$110.00} and {$660.00} was not the same and she could not or would not tell me my payment amount that is due in less than a week! I guess since they have to correct the mistakes they made she could n't tell me so I do n't know what to pay and  may  not face a late fee because they made a mistake.
Consumer complaint received 2017-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I went online to apply for a loan in  XXXX  I was offer  XXXX  dollars. I made my month loan payments based on I was told my month fee would be  XXXX . I 'm thinking that this amount Is going towards the total amount borrowed. Well I found out today that this was not true. That amount was only paying off the 700 % interest rate on the loan which I find ridiculous for anyone! I think these Fast cash place should be shut down. They are not helping in any way, it 's all a scam and  a Rip Off. T hey flood you with so much paper work and fine print that there 's no way to understand what it is your signing up for. I think there all  Rip Offs and Prey on  people that are in need. This economy is shot to  XXXX .. everyone is out to take advantage of the less unfortunate. I do n't know how these company sleep at night taking advantage of people! It 's all a set up to get more money out of people who already need financial help. I myself will never ever borrow money from a cash place and make sure everyone I know to not borrow anything from these types of companies. This is exactly why people do n't trust the banks or any of these companies!
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, i submitted a mortgage assistance request to servicer Wells Fargo Home Mortgage, however the servicer failed to acknowledged or process our request. <P/>We contacted the servicer in regards to our request and was told that they will not process our application despite that the account was assigned to a specialist. We ask why then assign our file is your intentions are not to process? The reply was because those letters are computer generated when ever a customer is in default. <P/>On XX/XX/XXXX, I re-submitted the mortgage assistance request before the HAMP process deadline. See attached documents probing the allegations. Wells Fargo Home Mortgage failed ones again to acknowledged our request. The department of treasury issued the " HAMP Handbook '' for servicer 's to comply with certain areas of the law in connection with the loss mitigation options. Section 4.5 of the HAMP Handbook - states very clear that upon receipt of a complete mortgage request application and financials, servicer are to " acknowledged '' receipt of and sent notices to the debtor within " five business '' days. Ones again Wells fargo failed to " acknowledge '' our request. Therefore we can safely say that Wells Fargo Home Mortgage is in violation of section 4.5 of the HAMP Handbook.
Consumer complaint received 2017-08-14
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. (ND)

I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report that do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XX/XX/2017, XXXX XXXX, XXXX, XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NY)

The company XXXX XXXX is trying to collect on a debt that was paid to another company last year. I paid XXXX XXXX XXXX ( XXXX ) last year for the XXXX account. It was removed from XXXX but they are still reporting to XXXX and XXXX.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (AZ)

Back in XX/XX/XXXXmy husband and I were struggling financially and our house was severely upside down, we filed for a home remodification. We were given a remodification and signed on XX/XX/XXXX. In XXXX of XXXX, my husband and I began divorce proceedings. In XX/XX/XXXX the divorce was final. Per the divorce decree, I was awarded the house and my ex signed off on the house and he was to immediately begin financial payments since he ignored the judges multiple other requests to send alimony and child support. He disappeared and I never received any support of any kind. I fell into a severe hardship. I was behind multiple payments. In XX/XX/XXXX, I contacted the mortgage company and asked them what I needed to do to reinstate my loan and modification. I exressed that I did not want to lose the house and I needed help. I explained that without the modification back in place I would not be able to keep the house as it is so severely upside down without the modification. I worked with a case specialist who gave me instructions on how to reinstate the loan and modification. I work incredibly hard and came up with the money, purchased money orders and sent it overnight delivery. I worked very hard to come back from that devastating hardship. In XX/XX/XXXX I received a XXXX for the full waived amount of the remodification. I claimed this on my tax return. I was under the impression that after requesting help and following what the mortgage company had indicated that everything was ok. Sometime in early XX/XX/XXXXmy ex changed the mailing address with the mortgage company and I stopped receiveng any correspondence. I found out he did this at the end of XXXX. It is now XX/XX/XXXX, I decided that I need to sell the house and move where there are better job opportunities for me to support my XXXX children as I still to this day have never received any financial support from my ex. I found a realtor and the house went up for sale. Someone made an offer and the sale began. A payoff was requested from the mortgage company. There was a massive discrepancy between what I said the payoff is and what the mortgage company is reporting. When looking into this they have basically told me they can do this because they put it in the contract that way. They said it was my tough luck. I worked very hard to reinstate my loan and modification, had that not been an option I would have had to let the house go as it is still upside down. This is unfair that the mortgage company can trick its customers this way. They are robbing me and saying it is my fualt because it was in the fine print for them to do this. This is wrong!
Consumer complaint received 2017-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I was expecting a refund from " XXXX XXXX XXXX '' on XXXX/17.  Paypal sent the refund to a closed back account, one that has been closed since XXXX. I have called several times to PayPal to inform them that I have n't received the refund, as well as a conference call with a bank teptesentative telling them no refund was ever received and that I would not receive a refund on a closed account. The rep said she was opening an " internal '' investigation to find out where the money is at and that case was closed immediately due to " a refund being issued ''
Consumer complaint received 2017-08-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ASSOCIATED BANC-CORP (WI)

This is in regards to a loan that has since received a default judgment against my husband and myself. The loan was originally for {$42000.00}, signed in XXXX. The debt was paid down to below {$30000.00} when this was sent to court and now has accumulated to over {$57000.00}. We lost our business in XXXX, where shortly after my husband moved to XXXX to work. Shortly thereafter, we separated and I moved to XXXX  to help take care of a grandmother who was in the late stages of XXXX XXXX. She died in late XXXX and I moved back to XXXX in XXXX. Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from Associated Bank to an attorney who filed a judgment against us in XX/XX/XXXX. They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time. Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to XXXX XXXX XXXX in XX/XX/XXXX. We were NEVER sent any paperwork on this account when it was sent to either collection agency! The only time I knew about XXXX XXXX XXXX handling this case was when they stated garnishment proceedings on my husband inXX/XX/XXXX. I did not know then that we could send a verification letter to these companies to verify the debt with them and now XXXX XXXX XXXX  says that I am entitled to a verifaction letter as it is past the 30 days notification! How can that be when they never sent a letter to us regarding this debt?!!! I have sent all information to the judge handling the case as well but nothing has been done. This is not right and I would like something looked into regarding this. I should be entitled to a verification of the debt from XXXX as well as XXXX, yet neither one will give this information!!!! XXXX XXXX XXXX continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

I was solicited directly in the mail by XXXX XXXX/Citibank to open a AAdvantage Platinum Select credit card.  As part of that offer, I was told that if approved and the card was issued, once $3,000 or more of purchases were made using the card my AAdvantage account would be credited with an additional XXXX miles.  This was the primary reason I applied for the credit card and the motivating factor for me to use this card for my purchases versus other cards.  After receiving the card and completing the required amount of purchases and paying the full amount of my credit card balance, the additional miles were not credited to my AAdvantage account.  When I called XXXX XXXX to find out why, they indicated that since I had previously had a Platinum Select card within the last two years, I did not qualify for the award.  There was no mention of that restriction in the solicitation and they were aware of my prior card when they solicited me by direct mail.  I consider this deceptive advertising and promising false incentives to induce me to use a credit card that otherwise I would not have applied for nor used.  Thank you.
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I disputed an item on my credit report with Transunion. There was an XXXX XXXX card ( which is my account ) reporting that the limit on my card was {$5000.00}. My actual limit is {$11000.00}. I submitted my dispute and stated that the terms were incorrect. Transunion removed the account from my report altogether. This account had a positive impact on my score while I 'm in the midst of trying to obtain a mortgage! I called Transunion and they told me to contact XXXX XXXX to request that 's it 's added back to my report. I was told by a rep that Transunion will not allow them to reinsert the item onto my report.