davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXXDear Wells Fargo Representatives : Today XXXX XXXX ( working on behalf of me for my loan modification ) informed me that unfortunately Wells Fargo has decided to not help me modify my mortgage so that my family can remain living here. 

I am extremely disappointed and surprised. I have been unemployed since XX/XX/XXXX. XX/XX/XXXX I informed Wells Fargo that I was having difficulty paying my mortgage with Wells Fargo and that I needed a little help. This was the first time I requested assistance. I then asked for a simple deferment or work out program so that I could get back on my feet and find a real job and not only pay my mortgage but also provide for my family. After approximately XXXX weeks and providing all the requested information and documents, I was told that I did not make enough money and your Supervisor suggested that I get a job at XXXX XXXX or somewhere like that and then reapply XXXX months thereafter. I was also told that Wells Fargo does not do deferments. I have relied on my wife 's income, our savings, and borrowed money from family and friends to keep this going. 

The beginning of this year we exhausted most of our savings and again contacted Wells Fargo for assistance. The process began XX/XX/XXXX to find a work out program that could help us stay in our home. 

Almost XXXX months later Wells Fargo decides that we do not make enough money etc. and that our home would land in foreclosure anyway. I really have to wonder why you would tell me this now and not help us. Your representatives knew both times around what we make and we provided you with everything you have asked for immediately. 

Seven years ago I combined my interest only loan with Wells Fargo with my HELOC into a fixed mortgage in order to fulfill my obligations with Wells Fargo and also own my home quicker. This I thought was possible until I lost my job in the industry I have been in for so many years that is pretty much non existent and destroyed. 

My credit has suffered, my marriage has suffered, and ultimately my health has deteriorated. 

Why will you not help good people like us stay in their home? I do not understand this or your approach at all. We have paid you and intend on doing everything possible to keep paying. All we ask for is for some assistance now. The stress that this has caused us is absolutely unnecessary. 


Please help us. We are good people that are experiencing some difficult times right now. We fully intend to get out of this bad situation with your help and land on our feet again. 

My interest rate with you is 10.365 %. Maybe if you reduced the interest rate slightly we could all be happy.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

After suffering financial hardship due to divorce and reduced work hours, I requested my mortgage company to approve a short sale on my house. A foreclosure sale was scheduled in 14 days ( XXXX XXXX, 2016 ) but we had just received an offer for {$210000.00} that would pay off my loan with them ( Pay Off Amount is {$200000.00} ) and only leave them to pay part of the commission to the real estate agents and other closing costs. My agent sent them the purchase contract along with other documentation they requested and asked them to please postpone the foreclosure sale until they have time to thoroughly review the offer in hand and make a decision as to short sale approval. They informed my agent that since we only had 14 days until the sale and their internal process required 15 days to stop or postpone a foreclosure sale, they could not stop the sale. This is AFTER we had just told them we had an offer in hand from a qualified buyer. They still said because we only had 14 days, they probably could n't do anything. My agent told them all they had to do was pick up the phone and call the trustee and tell them to postpone the sale for 30 days and that should not take 14 days! I am furious and very confused as to why they would not just postpone this foreclosure when they know they have an offer in hand that will pay them off in full minus a XXXX dollars in closing costs. PLEASE HELP ME. I just need them to postpone the sale at this point, for 30-60 days, to give us time to get the short sale worked out.
Consumer complaint received 2024-08-24
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. (FL)

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a loan modification in XXXX 2016 and up till now have not received an answer in writing though the assigned customer service representative said the application was declined regardless of my financial hardships and death in my family. The service I received from the Bank especially through the agent XXXX XXXX is very unacceptable and derogatory. Please help me out. Thanks.
Consumer complaint received 2015-12-15
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (OH)

Pay Pal set up a credit line for my wife and I and we did not know it. At best they got us at checkout and XXXX of us thought it was just a verification. We did not know it until we started getting emails about our balance! I asked them to reverse the transactions and put them on our credit card like we always do and they said they ca n't do that. I not only upset about that but that we were signed up for {$4500.00} in availability I never wanted and I 'm sure it hit our credit history ... I want them to put the transactions on our credit card like we have done for many years.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My identity was used with the following accounts and companies without my knowledge Inquiries include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-13
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (NY)

We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points. 

After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ). 

On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement. 

Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to. 

Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points.
Consumer complaint received 2015-12-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It has been over a month since I filed a complaint against Bank of America with the Consumer Financial Protection Bureau ( CFPB ). Despite promises to the contrary, in the intervening weeks absolutely nothing has happened with my concerns, and sad to say, it does not look like anything will happen with my concerns without Bank of America being compelled to act. 

Within a day or two after I filed my XXXX XXXX CFPB complaint regarding Bank of America I received a telephone call from XXXX XXXX XXXX of Bank of America. I was told that she was calling on behalf of Bank of America 's president as a result of my complaint to the CFPB. 

We spoke on XXXX XXXX and at that time XXXX XXXX promised to finally correct my deceased Father 's mailing address, and to get a nearby branch manager to give me a call, so I would not be forced to repeat the frustrations of the past when I attempted to close my Father 's accounts at a local Bank of America branch. In addition, on XXXX XXXX I FAXed over to Bank of America a letter addressing concerns about unauthorized Bank of America deductions from XXXX of my Father 's account. XXXX XXXX had previously promised she would review these concerns. 

I have called XXXX XXXX a number of times since I sent the FAX over on XXXX XXXX, and I have yet to hear from her. Neither, all these weeks later, have I received the promised call from the Bank of America branch manager. 

Recently I received a letter from XXXX XXXX dated XXXX XXXX, 2015, which explains why she has failed to return my calls. In her XXXX XXXX letter XXXX XXXX incredibly absolves Bank of America from any part in my concerns not being resolved. Further, the letter disingenuously suggests I give her a call to " discuss this further. '' I have yet to see a sign that Bank of America is interested in more than simply stonewalling me, and frustrating my lawful efforts to close my Father 's accounts. I am hoping CFPB can compel Bank of America to take my concerns seriously, and resolve matters promptly.
Consumer complaint received 2024-08-24
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (OH)

I was tricked by Paypal into paying for online purchases through Paypal Credit, even though I never signed up for a Paypal Credit account.I never gave permission to Paypal to be signed up for their credit account. I had my own money in my Paypal account ( not Paypal Credit ) that I assumed I was using when checking out online, but I unknowingly was being charged through Paypal Credit. When I would check out of these online websites, the option to use Paypal as a form of payment did not say it was " Paypal Credit '' so I was not aware that that is what I was being charged through. I am college student and did was not receiving the bills at school, so when I cam home last week I found an enveloped addressed to me that said that since I had not paid Paypal Credit back, I owed them {$510.00} ( I unknowingly had been charging a few items with Paypal Credit over a 4 month span even though I had money in my regular Paypal account ). I then received a letter saying that since I was late on this payment, my payment had gone into collections and that it could be settled for {$300.00}.
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (LA)

I have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2015-05-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NY)

I used Paypal to submit a payment to XXXX XXXX XXXX XXXX, for a car service on XXXX XXXX, 2015. XXXX advised me later that day that the payment had not been successful, and asked me for an alternative payment method. Meanwhile, Paypal confirmed that I had been charged the cost of the service and that the funds had been transferred to XXXX. To date, XXXX refuses to permit me to use their service because they claim there is a past-due balance for that ride. I submitted a dispute through Paypal, asking them to follow up with XXXX to confirm with them that the payment had been made or, in the alternative, to refund my payment so I could use another payment method with XXXX. Because of the limited functionality of Paypal 's dispute process, I used the dropdown menu for " Unauthorized Use or Transaction Error, '' since it was the only thing that seemed applicable. After all, XXXX does not sell a product for me not to have received or to have received a defective version. I opened the dispute on XXXX XXXX, 2015. On XXXX XXXX, 2015, without having apparently received any response from XXXX to several emails, and without having reached out to me at all beforehand, Paypal closed my dispute because they determined that the charge was not unauthorized. Paypal does not appear to have noticed that I never claimed it was an unauthorized charge, but rather sought their assistance in convincing XXXX that XXXX has already been paid. Meanwhile, XXXX refuses to communicate with me about this issue at all, and does not have a phone number available for contact so I can speak to a real person to resolve my issues.
Consumer complaint received 2015-12-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I had a 2nd mortgage, interest only loan, for 10 years with SLS, paid on time every payment. They recently instructed me that the terms of my loan are that I now start paying it off. I applied for modification but was denied. All the while making the payments payments on time with the statements received. Never a late payment. They sent me a new monthly statement for XXXX with the new monthly payment which I paid on time ( well documented bank transfer and even on their web site under my account info shows paid on time. But the XXXX statement shows a late fee being charged. When called they stated they could not change anything although the representative stated she saw that the payment was made. I have never received my new loan documents or a payment schedule from them and really do not know the terms of my continuing loan now.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (WI)

I am XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX. My phone number is ( XXXX ) XXXX. My E-mail address is XXXXXXXXXXXX. I am in an identity case of the Court of Appeals of my State of the court case number XXXX. I have also filed a FTC ID theft affidavit serial numbered XXXX, and filed a I.R.S. form XXXX .I think people have taken loans out in my name that cost me money.
Consumer complaint received 2024-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

I received a letter regarding a debt I do n't owe. I have been a victim of identity theft so I keep accurate records of my credit report and know exactly whats on my report. But I called the company DYNAMIC RECOVERY SOLUTIONS any way. The person on the phone said it was a debt from before 2003 and I have the burden of proof to provide them information that I do n't owe the debt. Then I received a letter from them saying the same thing. I have never had a XXXX credit card. I have only XXXX credit card. Their saying I have the burden of proof from something over 12 years ago is Preposterous even if I did have a card. I XXXX this company and they are trying to pull this scam all over the place and they need to be brought to justice. Someone needs to shut this place down
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (LA)

I owed a large amount to American Express Consumer credit card. I refinanced my home and was able to roll the debt into my mortgage. I received a check for the payoff from my mortgage holder ( XXXX XXXX ), contacted American Express collections service in XXXX, AZ for the full payoff on XXXX XXXX, 2015. The payoff amount provided by the collection service was XXXX plus {$270.00} in interest accumulated. I Mailed via XXXX Priority Overnight, Saturday Delivery the requested funds to the debt collection center in XXXX, AZ. so the payment was received on XXXX XXXX, 2015, in full. American Express Failed to post the payment until XXXX XXXX, 2015. They then proceeded to Charge me interest on the outstanding balance, after receipt of my payoff in full. Since then, they have charged interest on the interest and late fees, yet I was not contacted by their collection agency regarding any difference in the payoff amount and the amount submitted. Today, they have reported the account as delinquent and posted a negative notation on my credit report, and when I contacted them to inquire about what had occurred, a person at a call center in XXXX, told me that the payoff amount provided by the company was basically worthless, since interest accrued from that day till the payment posted. What legal recourse do I have.