davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo sent me a letter telling me I was " ..among a select group of valued customers receiving an automatic upgrade to the Wells Fargo Signature Card. '' It went on to explain that this " upgrade '' would happen without any input from me, and listed " benefits '' none of which were actually of any benefit whatsoever to me. In fact, there were changes in the fine print to the minimum payment calculation that would be detrimental to me under certain circumstances. I am complaining because 1 ) the claim that this is an " upgrade '' is totally fraudulent ; 2 ) the change was made unilaterally- rather than asking me if I would be interested in the change, I was informed the change would be made automatically unless I made a phone call, costing me valuable time for no good reason.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I applied for assistance with Wells Fargo Home Mortgage after falling behind on my payments. I hired an attorney to assist me submit all of my paperwork. My attorney states i qualify for Making Home Affordable. Wells Fargo denied me stating the only reason i was denied was because I did not file my XXXX income taxes. I did not file taxes because my income was XXXX for that year. However, after receiving a denial letter stating they could not approve me because I was missing my taxes, I filed them. My attorney forwarded the filed taxes and appealed the denial within the timeframe allowed. Wells Fargo Home Mortgage denied my appeal 6 days later without considering my newly filed taxes. I am told by my attorney and others that this is normal for Wells Fargo Home Mortgage. It 's all part of their FRAUD they commit against their account holders. In my case they are purposely trying to evade giving me assistance so they make up stupid internal rules and block me from re-applying after my taxes were filed. They now say I have to go through the reentry team. A department of Wells Fargo that is ILLEGAL per RESPA Regulation X. Wells Fargo and any servicer is not allowed per RESPA Reg X to " EVADE '' reviewing me for assistance. I have no sale date and Wells Fargo simply wants to use the excuse of their procedures to run out the clock on my time and set a foreclosure date. They already filed a NOD on XXXX/XXXX/XXXX.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I thought this issue was resolved in a previous complaint ( XXXX ). Unfortunately the situation has only gotten worse as CitiBank has not provided the resolution that they promised. 

On XXXX XXXX, 2016 I received a letter in regard to my last complaint that I thought was a satisfactory resolution. " After reviewing XXXX XXXX claim, we discovered there was a misunderstanding involving our promotion disclosure. As a result of this, we will be honoring her request by crediting XXXX AAdvantage miles to her AAdvantage Member account within 60 days. '' Unfortunately it has been over 60 days and I have yet to receive the miles that I was to be credited with. 

On XXXX XXXX, 2016, I contacted Citibank to inquire about the XXXX miles that I was to be credited. They said that I should have already received them, and even asked for my AAdvantage account number so that the miles could be credited. 

On XXXX XXXX, 2016, I received a letter saying that I would not receive the miles as I was already credited with XXXX points for a different promotion ( I was not, and this issue was clarified in the original response to my first complaint ). 

On XXXX XXXX, 2016, I called Citibank to try to clear this up. I spent about an hour on the phone with a representative and they eventually came to the same conclusion that I would not be credited for the miles because I had gotten points from some other promotion ( again, I did not receive these points ). I asked if there was anything I could do to avoid contacting the CFPB again, but there was n't anything. 

At this point, I am extremely frustrated with this situation. I feel like I 've been consistently lied to and jerked around by CitiBank. I have a letter in front of me clearly stating that I should have received the XXXX AAdvantage miles by now, but somehow I 'm still completely helpless to do anything about it. The AAdvantage miles were the only reason I signed up for this checking account in XXXX, and I ca n't believe that I am still having to deal with this issue, and I am shocked at how unhelpful CitiBank has been when I 'm not submitting a CFPB complaint. I should not have to do this for a simple promotional offer. 

At this point I still have a significant amount of money wrapped up in my Citi Checking account for the purpose of avoiding fees. I was even charged other fees to have my account open before I chose to put a lot of money in the account to avoid this. Now I am stuck with this account that I ca n't close because I 'm still waiting on my miles, and I ca n't even take all my money out of it because they will charge me fees because I have n't maintained a high enough balance. 

I am attaching the CFPB response from Citibank that I received on XXXX XXXX, and the response I got from Citibank on XXXX XXXX when I inquired about my missing miles.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (TX)

I had a joint Mortgage and got divorce The balance due on the mortgage secured by the land and building given the ex wife this is the " court order '' This happens XX/XX/2009. Now shows on the XXXX and experience credit report shows XXXX days let payment. This account belong to my ex wife. has to be remove negative item.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I too have been experiencing issues with Navient. They have not listened to me regarding telling them what I am able to afford, instead they insist on deferring my loan causing me to go deeper into debt with my loan. I have told them numerous times about my divorce and my household income being cut and they refuse to send information I 've requested to my house. I do n't have the ability to refinance and get the loans to a creditor based in the United States to speak with someone without a language barrier so I am stuck. The loan I am paying towards is a program that has not existed at the school I graduated from for at least 3 years. It was taught out. They stopped enrolling in XX/XX/2013. With my financial situation I 'm trying to do the best I can but have recently considered bankruptcy because I do n't know any other way, this company simply will not listen to me when I tell them I can only pay a restricted amount until my credit debt is cleared, and when my divorce is final and I 'm not paying attorney fees. If there is something you can do to help the consumers please do. I 'm sure there are other people like me who want to pay, but the company simply will not listen to our needs.
Consumer complaint received 2016-07-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Worth Finance Corporation (TX)

Worth finance is in violation of federal and state laws of consumer credit reporting. This account is reflecting open on my credit. It is to my understanding that loans are charged off at 120 days. I disputed this account and it came back as reported accurate, it is impossible for an original creditor to report an account charged off and open at the same time. This inaccurate credit reporting is affecting my civil rights to an accurate credit report and is tarnishing the accuracy of my credit score.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (MD)

I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.
Consumer complaint received 2016-11-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I was told in XX/XX/XXXX that i was eligible for an " auto pay '' program and as a result my next payment would n't be due until XX/XX/XXXX, so I made plans with the extra money in XX/XX/XXXX. I spent some and put some into savings. XX/XX/XXXX I got a call from Navient in which they informed me that they made a mistake and that I was n't eligible for the " auto pay '' and, as a result my payment is now past due and I owe for XX/XX/XXXX. I now have to take money out of savings to cover the mistake. 
I do not trust these people to be handling my debt responsibly.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Over the years my husband had health issues and they were more than happy to give us a forebearance ; unfortunately they really did not tell you in detail that the interest would continue so it kept building up the principal balance due. We are now XXXX and XXXX and two years ago I got a reduction in the payment ; however, the 8.25 % interest continues. My husband is retired and I will be retiring at the end of the year. I guess my only option to get out of this mess with Navient is to take out a home equity loan on our home which will be at a much lower interest rate. Navient pushes forebearance and " reduction in payment '' but really do n't stress that the interest does not reduce and keeps adding to principal
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Thank you for assisting with this issue. Each year, I receive a notice from my mortgage company stating that my escrow account has a shortage. I paid it one year and each year I receive the same notice. I 've already contacted the XXXX county tax and assessment and was told nothing has changed far as property value and the home insurance has not increased. At this point, it is very frustrating and has caused a great amount of XXXX. Also, I received a letter stating the my PMI will be terminated and to date I 'm still paying for that. I call the mortgage company and get placed on hold for long periods of time until I ca n't hold on any longer. I call back and get placed on hold again. I need some help with this and a resolution to the issues described in this complaint. How can the escrow be short each year? Do you I need to contact the United States Congress and the media to shed some light to this situation? This could be happening to several other tax paying citizens. This is horrible and unacceptable. I never pay my mortgage late and to be treated this way is unacceptable. Please help! The name of the mortgage company is Ditech and it use to be GreenTree Servicing.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CO)

Shellpoint Servicer / XXXX XXXX XXXX XXXX : Denied not enough income 130 % Debt to Income -- For three Months my application has been in and Countless Times re-sending- They wanted me to Break my self employed income away from my Long Term Rental income- LESS {$2800.00} in income -- so the Over All Income would not work - that is WRONG.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (CA)

My family and I went to my stepdad 's funeral XX/XX/XXXX. The house was full of people, our XXXX year old son was allowed to use his Samsung Galaxy device to play games while all the adults were busy taking care of our grieving mother and other arrangements. The house was full of people ( family and friends ) from XXXX XXXX until XXXX XXXX when we left to visit my sister. 

My son asked me to buy something from the google play store for which I entered my credit card and password. I believe the charge was about {$2.00}. I authorized only that one payment. 

Over the next few days, someone got a hold of my son 's device and somehow managed to make over XXXX purchases using my credit card. His device is set to always require a password, but somehow someone bypassed it. We called google to dispute the charges, and we called visa. Neither is refunding the charges which are about {$9600.00} XXXX nor XXXX bothered to verify with us whether these charges were being authorized by us at any point during the purchases. In the past, I 've been hassled whenever I tried to purchase XXXX small items back to back, but now when the charges ranged between {$0.00} and {$100.00} noone bothered to warn us. 

We were so busy with the funeral and family in town, we never bothered to check our accounts online. We have completely lost faith on our ability to keep our accounts safe when neither XXXX nor XXXX are willing to do anything about our situation. They expect us to pay for something we did n't buy. I do n't even know what was purchased!
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

On Experian : they did not remove any of these disputed items. I disputed the misspelling of my name : XXXX never ever been called this. I disputed addresses they said I have lived at- XXXX , ND , XXXX, XXXX XXXX- never lived at these places and never been associated with them. Disputed linking my report with the SS # of XXXX no reason at all this should be on my credit report. There was a lot of credit inquiries that I have no clue who they are or why they are inquiring about my credit but the button does not let me dispute them : XXXX XXXX, XXXX, etc. This erroneous information should have been removed as I requested but within 24 hours they said it was settled and all still on there.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Financial Loan Servicing is a predator debt collector. 
An unsecured SBA disaster relief loan was paid in full in XXXX. In XXXX of XXXX I received a re-instatement letter from Bayview Financial Loan Servicing for a commercial loan for a property with no address in XXXX ( I have never lived, worked or owned anything in XXXX ). and there was {$240.00} delinquent on the loan. I called the SBA loan dept and they told me the loan was paid in full with no outstanding balance. I explained that to Bayview Financial who in turn placed a charge off on credit report and repeatedly refused to remove it. Now as I am trying to refinance my house and I can not with this derogatory issue on my credit report - it states it is a real estate charge off. When I called again to dispute it, the supervisor at Bayview stated they now have found another new charge off for the same loan with a new amount of {$590.00} that will now be reported to the credit bureaus. The credit bureaus report whatever is given to them no matter how incorrect or wrong it is. This is absolute extortion and Bayview has no one to account to.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

I am submitting this claim in reference to Case No : XXXX, a case I opened against CMRE Financial Services. This debt collection agency is in defiance of the law. In their response to my initial compliant, they stated that they would be placing my file with them in dispute. However, after that statement, I received an offer to settle the account at about 75 % of the amount posted by the provider of service. I called them to explain to them that what they were doing was against the law. I also again requested that they remove the negative information from my credit profile. Their rep was so RUDE! She said that XXXX on two different occasions the in XX/XX/2016 denied payment of my claims. The funny thing is the claims were sent approx. 7 days a part. XXXX is denying that the provider was told that I was not insured. I explained that to her and told her simply the provider just needs to file the claim again for payment. She told me there would not be any other attempt to collect from the insurance company, and that if I wanted the debt settled, I would have to pay the settlement offer. This is a gross violation of the law! She hung up in my face. I called back and asked for a supervisor. I was transferred to a voicemail. However, the system would not accept the message i was trying to leave. I am requesting the the CFPB sanctions CMRE for this nefarious attempt to gain payment by holding my credit hostage. They are not trying to collect a payment from the insurance company or relay pertinent information to their client. They are only interest in increasing their bottom line. It makes one wonder to whom else they are trying to hold hostage in this manner. I want CMRE to delete the negative information they slammed on my credit report. They have already admitted not speaking to me. This is fraud! Pure fraud and nothing else! I am thanking you in advance for your assistance.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is refusing to update my tax lien status. I have given them proof that these tax liens have been paid and released. The refuse to update the information as paid and released. My Iowa tax Lien is paid and released They are now refusing to allow me to dispute information in my credit report. 
This is the information that is on record at the court house : Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$10000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX It shows released on XX/XX/XXXX, The other tax lien XXXX XXXX XXXX Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$2000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX. These are showing RELEASED and Transunion will not release the information. 
I am in the process of purchasing a home and Transunion is no the only company that will not update information. 

XXXX