davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I am about to lose my house due to Wells Fargo 's XXXX scam. In the mid XXXX Wells Fargo forced any buyer they could without 20 % down payment into double mortgages with the 2nd mortgage at a very high interest rate, then refused to refinance them. Thousands of homeowners were victims of this scam. I was forced into one of these mortgages in XXXX at 8.62 percent, signing only on the proviso that that loan would be refinanced the following year. I have been trying since XXXX to get this loan refinanced, with different excuses every time. When I could no longer continue paying it, they refused attempts to set up a payment plan, refinance or modify the loan, now threatening to foreclose even though my first mortgage is current and I have never missed a payment. ADMINISTRATIVE ACTION NEEDS TO BE TAKEN IMMEDIATELY TO REQUIRE WELLS FARGO TO REFINANCE THESE LOANS ON ANY HARP OR HAMP ELIGIBLE HOME. 
Wells Fargo deliberately ignored a request for a refinance or modification through Senator XXXX office until such time as my unemployment ran out and then claimed they could not trefinance because I did not have a regular source of income. After a CFPB complaint, they then started six months of " research '' on the fraudulent origination of this loan, coming back with a claim that I had been given this loan due to an insufficient down payment, a claim that I immediately provided documentation to refute. A second modification application done through a highly reputable housing counselor was denied because I only had self-employment income. The Wells Fargo single point of contact deliberately drew out a fact finding inquiry so that I could not appeal. By drawing out this process and refusing earlier refinance attempts when I was working, Wells Fargo has created a situation where I am now near four months behind on the loan. Wells Fargo has refused all attempts at modifications, based on income guidelines above what I have earned for most of the time I have owned the house. 
Most of the research on this loan has been done by XXXX XXXX, who calls me regularly to " make sure we are on the same page '' and then make statements about me or the loan that I know to be false. I put over 5 % down on the house on the advice of a Wells Fargo Prosperity agent, more than the required down payment on the house then and an acceptable down payment today yet they claim they insisted on the XXXX origination because I " did not have sufficient down payment. '' On XXXX XXXX XXXX, I sent another letter through Senator XXXX requesting modification and other forms of relief. This has been ignored. Please intervene to address this situation.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

forclosure pushed. for about a year, was doing modification re ; loan ( # XXXX / XXXX ) There are XXXX. Modification wanted for the large loan and they were supposed to modify it since the small loan is current. THey took more than a year requesting documents over and over, making it difficult, very diffiuclt. Then they started pushing for foreclosure when it should and could have been avoided. They refused payment. I do n't want to be involved in corruption, so I wrote them letters, about it. Loan numbers / accounts appear to have issues re ; OCWEN switched the modification request to a loan with them that did not need modification. I have about XXXX pages of modification application information re ; the numbers being switched around. The one that need modification is the large amount.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (LA)

I was billed a late fee and subsequently charged double the minimum monthly payment for XXXX XXXX billing period. A payment in the amount of {$30.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Belk 's Credit card/Synchrony Bank, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX, XXXX and XXXX ( Supervisor ( s ) of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised that they would remove the late fee but as a XXXX courtesy but the double payment of {$74.00} is still due. I asked for her manager and she stated XXXX XXXX was not in the office but I could leave a message. XXXX transferred the call to XXXX XXXX voicemail. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office location is in XXXX, NC. Both XXXX and XXXX were rude and condescending basically stating that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I requested a payoff only to find that it is {$16000.00} though the car sold for $ {$23000.00} and I put {$8000.00} cash and have payed XXXX payments at {$52000.00}. I wastold that XXXX held most of the {$8000.00} and because I make a great deal of payments early before my due date most of it goes toward interest opposed to the principal.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

1. Tried to request an online refund within 10 days of a previous online refund. Website verbiage misleading, making customer believe that ( s ) he can call customer service to request a refund. 
2. Called citi government credit card services. Entered XXXX digit credit card number and last XXXX of SSN via touch-tone keypad to validate my identity. Once I forwarded to a customer service representative, required to provide XXXX credit card number and last XXXX of SSN verbally over the phone. ( a ) Inefficient - wastes customer 's time & ( b ) security concern - XXXX digit card number and last XXXX of SSN must be passed verbally over phone to customer service rep. I made this call from my workplace & co-workers to my left and right could have copied my information. Completely unsatisfactory. 
3. Customer feedback? Asked my customer service representative to take-down the XXXX concerns outlined above ( XXXX ). Customer service rep did not have a means to collect customer concerns. Asked for her supervisor. Supervisor did not know of a means to collect customer concerns. Sent back to customer service rep to " copy down '' my concerns. If a multi-billion dollar company does not have a means to collect customer comments, it is highly doubtful a customer concern will be heard by management, much less reviewed or implemented. Additionally, Government website does not provide a link to provide feedback : XXXX classic=2Found this online customer feedback link after a google search. Recommend providing a link on the government credit card online banking website to collect, review, and implement constructive customer feedback. 
This XXXX phone call and this survey only solidifies my 20-year loyalty to XXXX and XXXX. After today, I will be reticent to use citi for any of my banking or mortgage needs.
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. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-07-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Delray Capital, LLC (OH)

Received an automated phone call at XXXX EST today. The message referenced a " recent transaction involving your bank account '' and then a case number was provided. After researching the number online, I found that it was yet another scammer ; they seem to love me. I 'm thinking they might be trying to collect on the same debt as the company in my previous complaint were.
Consumer complaint received 2016-02-21
Product: Prepaid card — Other special purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (RI)

I switched from my XXXX postpaid to prepaid. XXXX reimbursed me for overpaid fees by sending me a Citibank prepaid card preloaded with these fees ( roughly {$27.00} ). To access the funds I needed to " register '' the card on a website operated by Citibank. This was necessary to have the funds wired to my bank account as I did not want to use the debit card. However, the Citibank website XXXX logs me out every time I either try to have the funds wired or being sent to me as a check. After having tried with different browsers I gave up and started using the card to pay for purchases in order to make some use of the funds. However, to do this, " activation '' of the card is necessary as well and the activation leads to additional costs, depending on card usage etc. Trying to cancel the card is not possible as the website is broken beyond repair for weeks now and the phone number provided only is a robot that is not helpful. 

So XXXX forwarded the money they owe me to Citibank, which provided me with 3 ways of accessing these funds ( transfer to bank account, send check, use card for purchases ), all of them forcing me into an agreement with Citibank which produces additional costs, two of them not working at all due to website errors, and no working way of cancelling the card.
Consumer complaint received 2024-10-25
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. (IL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.. thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XXXX XXXX 2015 I sold my home. My mortgage company was CCO Mortgage. The Mortgage was paid in full. On XXXX XXXX, CCO decided after my mortgage was paid in full to make the next quarters tax payment XXXX XXXX in XXXX 2015 XXXX from my remaining escrow funds even though the home was no longer owned by me and there would be no CCO mortgage on the property. Despite complaining to CCO on multiple occasions I am still owed {$730.00}. My town XXXX XXXX RI ) never process the tax payment because they knew the home was sold and that it would be an overpayment of taxes and they sent the money back to CCO. CCO can not find the payment and claims to be investigating. Its been almost XXXX days since my home was sold. They are violating laws by now returning my excess escrow funds.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

In XXXX, I notified you of my mortgage company, Caliber Home Loans, for not not crediting my account properly throughout my bankruptcy. Thanks to your company, Caliber credited over XXXX to my mortgage account. Thank you! 
This request is to follow on the other complaints, which was the fact that they continuously reported me late to all XXXX credit bureaus for over 1 year.
Consumer complaint received 2016-02-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IA)

I am in receipt of communications from a Law Firm Named XXXX, XXXX, XXXX, XXXX and XXXX XXXX. They are representing Midland Funding LLC. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

well I feel like I have no choice but to file a complaint here when I attempt to log in online it says that account details are no longer available I 'm guessing this is because the account has been closed for well over 6 months now but because of that I can no longer send messages to you either that 's my first complaint you 're making it impossible for me to communicate with you the second complaint is about the XXXX dispute for {$400.00} which the transaction took place more than eight months ago it was disputed almost 8 months ago originally I provided all the tracking information the carrier confirms that the package was delivered to the proper address that belongs to the company there 's no proof otherwise that they have n't received it and now eight months later you are billing my credit card keeping in mind a credit card that 's not even open anymore and has n't been opened for almost 6 months I 'm not sure what you 're doing there XXXX butt if Citibank is made a mistake processing all of this that 's your mistake not mine I have provided proof that the merchandise was returned unless the merchant has provided proof that they did n't receive it which is far as I know they have n't provided any proof of that I 'm expecting a full refund you can discharge someone 's account 8 months later there are laws in place that you were breaking you are aware of this right?
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (GA)

Just applied for and received a credit Card from US Bank, we tried to make XXXX purchases over XXXX as XXXX are some travel points associated with the card. US bank wil not allow us to charge anything over XXXX, even though credit scores are in the high XXXX 's and we had a mortgage with US Bank until a few years ago, which was never late. US Bank also indicated in an email the following : XXXX Points per {$1.00} spent in eligible net purchases at XXXX XXXX hotels worldwide. 
Bonus Award Nights -- When you redeem Points for XXXX or more consecutive Award Nights, your last night is free. Plus:XXXX New Account Bonus : To earn the XXXX-time XXXX Purchase Bonus of XXXX Gold Points, you must XXXX make a purchase with your XXXX Premier Rewards Visa Signature credit card ( " Card '' ) within 90 days after your Account was opened. You may earn an additional XXXX-time Spend Bonus of XXXX Gold Points ( XXXX Gold Points for Platinum Rewards ) if you spend at least {$2500.00} ( {$1500.00} for Platinum Rewards ) in Net Purchases on your Card within 90 days after your Account was opened. " Net Purchases '' means authorized purchases of goods and services minus any returns or refunds, and does not include Advances ( as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, XXXX XXXX purchases, or transactions to purchase cash convertible items. Once you qualify for either the XXXX Purchase Bonus or the Spend Bonus ( collectively referred to as a " New Account Bonus '' ), please allow XXXX to XXXX weeks for the Gold Points to appear in your XXXX account. Neither New Account Bonus is available to applicants who have had this Card or another XXXX XXXX credit card product within the last 12 months. If your Account is not open for at least 6 months, XXXX XXXX and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your XXXX account. 
They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (ID)

I 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, who's studying XXXX XXXX, helped 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 if you could assist in removing the following from my credit report.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I mailed a dispute to Transunion on XXXX/XXXX/2016. Approximately one or two days later I discovered another Separate Issue regarding a distinctively different account on my credit report. As such I filed a Second Dispute regarding a totally separate issue. 
I received a letter from Transunion stating that they received a dispute from me on XXXX/XXXX/2016 and " ADDITIONAL INFORMATION '' ON XXXX/XXXX/2016 AND THEREFORE THEY WILL BE ADDITNG 15 DAYS TO MY INVESTIGATION now ending on XXXX/XXXX/16. 
The second correspondence was not " additional information '' and was completely unrelated. I am applying for needed credit and need these matters resolved within the time frame allotted by law. My disputes should be resolved by XXXX/XXXX/2016. 30 days not 45 days. 
Thank you. XXXX XXXX XXXX
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. (IL)

Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX - XX/XX/year> - {$29.00} XXXX hope for a prompt and effective resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (TX)

Back in XXXX PNC bank contacted me about insurance. They told me I needed to show proof that I had insurance. I went ahead and sent over the insurance information they asked for. The agent even told me that insurance is fine. Fast forward to XXXX I get a letter in the mail stating I did not have the proper insurance and they added insurance on XX/XX/2024. I did verify and XXXX XXXX cancelled my policy without telling me. I immediately purchased the other insurance they needed and sent proof in. They purchased this policy for me on XX/XX/XXXX but somehow charged me back to XXXX. They stated they sent me something in the mail before the XX/XX/XXXX but I did not receive anything. I do not mind paying the insurance from the initial date of XXXX XXXX but I am not paying all the way back to XXXX since I was not told I did not have the proper insurance.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited XXXX of XXXX checks on XXXX XXXX. The check that I am writing about more specifically was the one which contained the funds left from my retirement fund. I was automatically mailed the check by the retirement fund management company after I know longer had my job. As I understood it, I needed to deposit the check to access my retirement funds and I did not believe I had a choice of keeping the retirement account as I am no longer employed. Unfortunately, I temporarily misplaced my check after I received it in the mail XX/XX/XXXX. When I was organizing and sorting through papers on XXXX XXXX, 2016, I found the check. As I wanted to have access to the funds previously in my retirement account I immediately proceeded to deposit the check along with another check issued in XX/XX/XXXX. I believed nothing to be fraudulent about the checks I deposited, at least on my end, and all I intended to do was access the funds as a balance to my checking account. I deposited the check at a consumer bank d.b.a. Chase, a division of the financial company JPMorgan Chase, at a location in XXXX, California where I signed the check and furnished it to the bank teller at the branch.The check I deposited from my retirement account, in the amount of {$19.00} was accepted by the teller and in my account information, it appears to be accepted and then rejected with a {$12.00} debit administered, in additional to the rejection of the funds in the amount of {$19.00}. Unfortunately, as I am not a business, I do not believe I have the ability to levy a fee to the retirement fund company in the amount assessed by the JP Morgan Chase consumer banking division Chase, in the amount of {$12.00}. I can not afford to pay this fee and the main reason I bank at Chase is because of the lack of fees assessed to my account as opposed to some competing national banks including XXXX XXXX and XXXX XXXX XXXX. As a consumer banking product for myself, I need checking account services which agree with my spending patterns. I really hope I was not provided with a fraudulent check, or one having insufficient funds.