davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CHARLES SCHWAB CORPORATION, THE (FL)

On XX/XX/year> I opened a new account with Schwab and started a transfer within a week to funded it with {$100.00}. After the ACH transfer was sent, my account was locked due to fraud protection with a prompt to call support to unlock the account. Upon calling them for the first time on XX/XX/XXXX I was told to wait an undefined amount of time for the fraud team to complete their investigation. 11 days later on XX/XX/XXXX I call back requesting a time frame to complete the investigation and unlock my account to which I am denied any information about dates or how to assist in expediting the process. Three days later on XX/XX/XXXX I call again requesting if I can go in-person to verify my identity and unlock my account. The representative tells me yes I am able to do so and suggest the nearest local branch to provide the service. Today on XX/XX/XXXX I travel to the suggested branch only to be told that they are unable to provide me with the described service and suggested I travel even further to authorized branches to unlock my account. This attempt to open a new account has so far has wasted over a week and XXXX miles driven only to be told to drive another XXXX miles to attempt to fix the problem. On this same day XX/XX/XXXX I've request to close my account and my {$100.00} back to which I was denied.
Consumer complaint received 2015-12-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen reports my mortgage was in collection and charged off which is not correct. Ocwen can not show me any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because XXXX shows a Ocwen mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from Ocwen. I contacted them after being denied for credit and they have initiated a reinvestigation. 

Ocwen never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.
Consumer complaint received 2015-12-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$9500.00} XXXX  - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$23000.00}
Consumer complaint received 2016-03-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I was on XXXX and applied for a loan modification XX/XX/XXXX/XX/XX/XXXX to get the payments of 3 months attached to the back of the loan. The company would take 5-7 days to process any documents that were uploaded and then send out a letter taking another XXXX days asking for more documentations. I called several times asking for a list of everything they needed so that I could get it all done at once. It is now XX/XX/XXXX and the company is still asking for more documents. on XXXX/XXXX/XXXX Caliber stated the last thing Underwriting needed was an updated XXXX which was completed and uploaded on XXXX/XXXX/XXXX because it took them until XXXX/XXXX/XXXX to process it Caliber is now needing more documents and an application because as of XXXX/XXXX/XXXX the file was 90 past initial start. I have documents of over XXXX pages of uploaded documents they have asked for. I was also approved for XXXX california but because of my past due amount Caliber refused to approve keep your home california which would have given us assistance for up to 18 months.
Consumer complaint received 2015-07-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and BoA without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with " Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. " Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to BoA. 

I have been a loyal customer since the day I opened my first bank account with BoA and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year BoA has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with BoA if your customer service representative had simply just refunded the {$35.00} charge.
Consumer complaint received 2015-11-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has both our first mortgage and our second mortgage classified as Home Equity loans. They will not give me a reason as too why both of our loans are classified home equity loan. 
I understand the second mortgage being classified as a Home Equity loan but do not understand legally how the first mortgage can be classified as a Equity loan as well. This is a major factor in allowing for a refinance or a modification in which we are in need of and repeatedly are denied.
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX, and Experian are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX Data Breach, the XXXX Data Breach, and Experian Data Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Consumer complaint received 2015-12-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello my mother opened up a Safety Deposit Box. She opened up an account with my money, she put my money in Stocks and CD 's. The Bank at the time was XXXX Bank that turned into Bank of America. My mother forgot about the funds that is in the box. She never received information about where the Safety Box moved to. Today we 're trying to locate the Safety Deposit Box. We contacted Bank of America and they do not have the box and her name is not in unclaimed funds. The Box is in her name but the stocks and cd 's are in my name.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2016-03-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (TX)

I will try to explain, but so much has happened not sure where to start. This has been going on for 28mths just about. We have tried to do a loan modification and have been given the run around to the point we got behind and had to hire lawyers to help us and after the lawyer we were paying got suspended we have been left alone. We have contacted Freedom Mortgage since they got our loan back in XXXX XXXX from the previous lender which was XXXX. Since the lawyer we were left us high and dry in XXXX XXXX, we have been contacting Freedom, they keep giving us the run around. They said that we need to short-sale and if not they will give us 3 months to do a deed of liue and help us with relocation cost, we have wanted that in writing ... they keep saying that they have sent us a mitigation package and all that and to this day we have yet to receive it. I 'm sorry I forgot to mention this all started due to my husbands hours were cut and he had some medical bills that arose due to he had XXXX in XXXX and it looked like something had came back that caused us to apply to do a loan modification and it led to 28mths of fighting with mortgage company. So..after the told me to short-sale ... I went ahead and found a Realtor who put the house up ... she called them and they told her over the phone that the payoff was {$190000.00} and we had tittle company request it in writing ... we got an offer on the house while it was only on the marker for 7 days we were still waiting on the mortgage company to send the payoff..I have called them, had to leave a voicemail to a caseworker who never calls me back, left a message for a manager to call me and that has n't happened either ... we have a VA loan ... I do n't want to loose it, but how can I work with a mortgage company that is not working with me is almost as if they want to foreclosure.We do n't want that, we did not miss our payments on purpose, it was a life crisis that we ende dup in and went straight to the mortgage for help. Right now the people are waiting on our counter offer which we ca n't because Freedom has yet to send anything or return my calls. I 'm stressed, I just want to sale the house and move on, but the longer it takes the longer our credit is ruined. I want Freedom to help us and to do as they have said they will do. We ca n't loose our VA and we do n't want to foreclosure, we have tried to work with them and even have had an attorney email them to call him and they have n't even called him. All t his to me just does n't sound right and Im so scared that we wo n't have anywhere to go and no money to go anywhere. Please help us!! Please!
Consumer complaint received 2015-12-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a simple car loan with Capital One, starting XXXX, XXXX. My fixed interest rate as written on my contract is 3.35 % and the Finance Charge at the end of the loan is {$850.00}. I noticed every month my auto statement for payment the interest rate fluctuates. I called Capital One on XXXX/XXXX/XXXX to ask why it fluctuates, the rep, XXXX, said yes, it 's a fixed rate but you are being charged a daily interest rate and it {$.00} per day. I said what is it, daily interest rate? She said I do n't know, I have to ask. I waited for almost XXXX minutes and she came back on the line and said a supervisor said it 's a charge by the bank so I pay my loan off. I said WHAT? I 'm paying an interest rate of 3.35 % to pay off this loan. She said would you like to speak to a supervisor, I said yes. A supervisor came on the line, right away and I asked him where on my contract does it say a daily interest charge will apply. He said you signed the contract and it 's in the Finance Charge that you will pay at the end of your loan, I said WHAT, THIS IS FRAUD. A CONTRACT IS A CONTRACT AND YOU CA N'T ADD ON OTHER INTEREST CHARGES. How can this hidden fee be allowed? A contact is a contract. If I decided to lower my payment because I thought it was something I wanted to do I ca n't. A contract is a binding contract. No where is it written about a daily interest fee charge on my contract. A contract is a binding contract and I feel they are defrauding me and charging me a hidden fee.
Consumer complaint received 2016-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The Regional Adjustment Bureau, Incorporated (VA)

I paid of these loans several years ago but I am continually contacted by assorted collection agencies about the loans issued while I was at XXXX XXXX XXXX. I pay a lawyer to send a letter with the proof of payment but the collection agencies seem to just sell the debt to another agency and the process repeats itself. It is like being hounded by an old ghost from a very bad time of my life.
Consumer complaint received 2015-07-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I took out a {$5000.00} loan from my 401K because I had a family emergency, I deposited the check Friday XXXX/XXXX/2015 into my Wells Fargo Checking account. On Monday XXXX XXXX XXXX noticed online there was a notice stating my deposit was on hold and will not be available until Tuesday XXXX XXXX, 11days after the deposit date. I called the bank after I read the notice and I asked them to please help me cause I could n't wait that long because of the emergency that I had which was the main reason why I took the loan in the first place. They told me there was nothing they could do and that I had to wait. Since I could not wait that long, I asked to return my check so I can cashed it at XXXX XXXX XXXX XXXX. They said they could n't do that neither and that I had to wait. My dog die because I could n't afford for the emergency surgery and the medication that he needed.
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Account Services, LLC (OH)

We represent XXXX and XXXX XXXX. Despite being provided on multiple occasions with insurance information, XXXX XXXX XXXX has continually refused to bill the XXXX ' medical insurance company, and now their automobile insurance company, for bills that resulted from an automobile accident. It has assigned these accounts to XXXX different collection agencies, the most recent being XXXX XXXX XXXX and Patient Account Services, both of XXXX, Florida. Further, despite instructions to the contrary, these collection agencies have refused to cease communication with our clients and to communicate with us, the law firm. As recently as today, XXXX XXXX, 2016, Patient Account Services contacted our clients via telephone.
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

A new loan just magically appeared on my credit report while check it through XXXX I have no knowledge of bayview loan. It looks like it has been transferred from XXXX, but completely incorrectly. I feel that XXXX XXXX may have supplied incorrect information due to having been in fights with them over creating incorrect information. Yes, they created incorrect information.
Consumer complaint received 2015-07-17
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

CFPBMy issues started XX/XX/XXXX with Bank of America ( BOA ). Reached out to BOA for help with my mortgage : rate reduction, refinance, etc ... At that time the representative recommended the loan modification at no cost to me. Began the modification process XX/XX/XXXX, had questions about the figures they calculated and then I was denied the process. Reached out again to inquiry about the denial and was recommended to reapply due to government changes. Process began again XX/XX/XXXX. Again, I had questions about the figures. No one during the modification process ( during negotiation ) was able to explain how they calculated the new totals. Yes, I receive documents with the figures but not sure how the numbers formulated. So I signed the modification papers clearly under duress to avoid starting the process all over again. Finally get new statement and begin to inquire about a {$3400.00} non-interest bearing loan amount. I called BOA several times to inquire about the non-interesting bearing loan. One BOA representative told me not to worry about that loan because there is no interest accruing on it. He told I had to wait 30 days before I can hear from someone regarding the loan amount. On the 30th day I call BOA again to see if someone could explain to me what makes up the {$3400.00}, the representative at that time told it was too late for me because I already signed the papers. Again, I requested for a manager or supervisor to contact me regarding the {$3400.00}. I was told again that it will be 30 days before someone will be able to get back to me. Within the 30 day waiting period, I received a letter stating the {$3.00} will be forgiving. New government laws allow companies to forgive debt, issue a XXXX at year end and the client has to pay taxes on the forgiven amount. My original request was for an explanation to the non-interest bearing loan. Now I have until XX/XX/XXXX to accept or decline the forgiveness offer. I do not understand why I would have to pay taxes on something I do not owe. BOA has already damaged my credit by stating my mortgage payments were late during the modification process. Totally untrue. I made ever payment they recommended me to pay ON TIME. Clearly I have been going through a completely unfair process with Bank of America. If BOA believes I owe and wants to forgive please apply to the current mortgage loan balance. CFPB, please help me understanding why a client has to pay for BOA errors. Their current representatives have no clue how to handle situations regarding problems or issues that has occurred on BOA 's behalf. All they want to know is - " Are you making a payment today? '' I love to get out of BOA loan and find another mortgage company but I do not want to carry the incorrect balance to another company and pay something I may not owe. Again, PLEASE HELP ... ... ....
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MD)

Why are we still allowing banks to allow charges to go through when our balance is XXXX? And then charge up to five times in the same day overdraft fees? This is a predatory practice by Wells Fargo. The online balance does n't update, they play a shell game with your charges to cause you to fall below your actual balance. Now I find they can cash post dated checks. If it 's my bank, my account, why am I the only one out of control? Anyone who wants my money gets it and I am forced to take a loan? Banks are syphining money from the working poor and they treat us like we do n't matter! I was charged {$120.00} for a total of {$80.00} worth of charges? Loan sharks do n't charge more tha. The loan??? Protect the consumer and REGULATE THE BANKS!!!!!!!!!!
Consumer complaint received 2016-03-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Business & Professional Collection Service Inc (NV)

I had my identity stolen several years ago, this includes credit card accounts, social security cards, id 's, medical collections, insurance, auto loans, and more. I have contacted each agency that owns each of these fraudulent debts, provided them with proper documentation, police reports and things of that nature. Numerous dispute attempts have rendered useless, and now the company refuses to accept any disputes from me as they have deemed " frivolous ''. These debts do not meet FCRA or FDCPA standards. I am attaching XXXX police reports, an original and another updated XXXX to show this has been ongoing.