davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

We have tried to work with Wells Fargo Home Loans on an adjustable rate mortgage. 
We had worked with Wells Fargo for over 4 years. Our File was missing from their records for almost a year where no one knew where it was. They have sent us summons and complaints we have submitted answers. 
These are some of the dates we have submitted requested documents : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
After the XX/XX/XXXX submission no one would speak to us because no one knew what happened to our file. When we did get someone they had to speak to someone else. We never received a return our calls. 
No communication about our mortgage until : XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, sent more documents because the others had expired!! 
We waited for a decisions ... ..then it was in underwriting ... ... the underwriter that was assigned was no longer with the company then ... ... ... ... ... ... ... nothing happened in XX/XX/XXXX no response then XX/XX/XXXX a new package was requested We had to wait for underwriting again ... ... ..Nothing XX/XX/XXXX Then XX/XX/XXXX another new package requested. ... .this was by the XXXX person assigned to our account. 
As of XX/XX/XXXX they were still starting over with complete new packages, we had XXXX customer relationship managers. 
XX/XX/XXXX Our loan was transferred to XXXX. We had no idea that e were no longer with Wells Fargo because the person assigned to the account has a complete package and it appeared that we were going to finish. Now with XXXX all of what Wells Fargo said they did not need XXXX is asking for. This has been a long, long journey for us we have been given the run around too many times. We need help!
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Account noXXXX XXXX XXXX XXXX, I called Wells Fargo 's automated systems, and was told that my available Val was {$100.00}. On XXXX XXXX, I was told that XXXX checks had been returned! Check no XXXX for {$60.00} and ck XXXX for {$25.00}. Both of these e cost {$70.00}. For the bank relieve took {$70.00} out of my account and we are paying the companies a total of {$70.00}. Which is {$14000.00} For XXXX Check totals! 
We have been with Wells for a while, and make weekly deposits. I believe this is retaliation because, we have filed a complaint before. They reimburse us, because they were at fault! 
This is happening again and again!!! What is going on? 
And {$35.00} for the companies. XXXX
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (GA)

I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.
Consumer complaint received 2019-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2019 the vehicle, a XXXX XXXX, was repossessed by a towing company, XXXX XXXX, out of a hotel parking lot in XXXX Texas. The loan was in charge off status and the company who ordered the repossesion was Ally Financial located at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. On XX/XX/2019 I was emailed a demand for payment of the loan in full for the amount of {$21000.00}. That Monday XX/XX/2019 a wire tranfer was made to Ally Financial in that same amout from a XXXX XXXX bank to pay off the loan in full XXXX XXXX Reference # XXXX. I was on the phone to the Ally call center that same day and the next to verify that they received the full payment amount and asked for a receipt of payment as documentation through email which they were unable to supply even though, verbally, they represented the loan had been paid. I also asked for a release from or for the towing company, XXXX XXXX  so I could retreive my car. I was told the release would be at the Towing company and then in the next convesation told that they had canceled the release. I also tired to make arrangements with the Towing company XXXX XXXX in XXXX texas to retrieve any personal items from the car and was told they were closed and to call back the next day. This happened several times and i was never able to access my personal items. Now without any docementation that shows that this account has been paid in full and a release for the vehicle, my car is being transferred to an auction house at XXXX XXXX XXXX  in XXXX XXXX Texas. There has been many mistakes in this process and there could be another agregious mistake if this car is accidentally sold after being paid in full. I am not sure if Ally and XXXX XXXX are deceitful or just incompetant or both however i am alarmed at this process and hope you can help me to resolve this matter.
Consumer complaint received 2019-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

XXXX XXXX collecting on loan with unauthorized signature. Attempted to reconcile by asking for loan forgiveness or loan discharge. Consumer took action and filed a complaint with the XXXX XXXX XXXX of Tennessee XXXX XXXX XXXX   County due to XXXX XXXX violation of the Tennessee Uniform Electronic Transactions Act on XX/XX/2019. Consumer submitted ID Theft Affidavit provided by XXXX XXXX on XX/XX/2019 to their website. Consumer submitted Authorization for the Release of Information on XX/XX/2019 to their website. XXXX submitted his notarized signatures to XXXX XXXX on XX/XX/2019 to their website.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I opened the Chase/XXXX XXXX Rewards credit card. At the time I was verbally told that the offer was XXXX rapid reward points and a companion pass after spending $ XXXX in the first three months. I followed a link provided to open the credit card. Now they are saying that the offer was over at the time and they have given me a much less valuable sign-up promotion that doesn't include the companion pass. The companion pass was the entire reason we signed-up and the reason the card was promoted to me. They have informed me that the offer was from Jan 10-Feb 11 and that my cc shows approval on the XXXX XXXX. The supervisor I spoke to said that they specifically don't send out offer details to confirm your offer when you sign up ( thus denying me evidence ) but also that they can't fix it without this evidence. I feel that their offer and subsequent actions are fraudulent and constitute deceptive practices. When I spoke to XXXX, they acknowledged that it doesn't seem right but stated that Chase is the one who has to authorize the deals so the error was definitely on their end.
Consumer complaint received 2019-02-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

This school is no longer in existence after countless promises of job placement and top tier support. It's now 10 years later and I haven't made a dent in my loans. I am a graduate with honors and have made on time payments since the end of my 6 month grace period. Sallie Mae has not offered any help but extensions and forbearances that will only help them in the long run. Regretfully, I have chose some of those options in times of need over the last decade. I am looking for information on how to proceed with elimination of payment to unrendered services.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (FL)

A few months after my visit to XXXX XXXX XXXX XXXX I got a bill which I paid, but then 11 month after my visit I got an alert on my credit report. I had a collection from " XXXX XXXX XXXX '', a collection agency and the original creditor was " XXXX XXXX XXXX XXXX XXXX ''. After many calls I discovered that XXXX is the billing agency for the doctors at XXXX XXXX XXXX XXXX, and that they never filed a claim with my insurance. I never even received a bill from them ; they sent it straight to collection, and to my credit report. XXXX is rather a shady company or an incompetent one and I'm not sure that their methods are even legal. I contacted XXXX XXXX XXXX with my Insurance on the line. They refused to submit a claim to my insurance. I filled out my insurance information when I was in the hospital. It's not my fault that XXXX didn't file a claim with my insurance. and then they're allowed to sell my bill to a collection agency that refuses to submit a claim. How is this legal!?
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

I have been doing business with Citi Bank since XX/XX/XXXX when I first opened my credit card account with them with a {$300.00} limit. I have paid my bill on time and have never had any negative infractions while doing business with Citi Bank, account has been in good standings with the company. So I always receive pre-approved credit increase packets in the mail, but every time i apply i'm always turned down for the increase. So i received another pre-approved credit limit increase packet in the mail in XX/XX/XXXX and applied once again only to be turned down. So XX/XX/XXXX I call and speak with someone in the reconsideration phone line at Citi Bank and was told that they found and i have negative items on my credit reports. So me and my son ( which does credit repair ) pulls my credit reports and I do not have any negative items whatsoever on my report. Every item on all 3 of my credit reports are in outstanding status. I have no collections, late payments, bankruptcies, or not one single negative mark on my credit and I have proof that it has been like this for months. I have very high limit cards with my credit union and several other credit card companies. My vehicle loan is in outstanding shape and I have low APR. We are at a loss of words of to why the company I have been doing business with the longest keep generating these fraudulent packets that's being mailed to my address and every time i apply i'm turned down. They can not be looking at my current credit reports cause I have copies and proof in hand. I would like this matter looked into by someone and reconsidered. Because I feel this card is useless to me
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I disputed outdated negative account information with Equifax, that is over 7yrs old, back on XXXX. They reported that this account was verified, and an updated reporting date was placed on my credit file for XXXX from the original reporting date of XXXX. I believe that someone in Equifax organization disregarded the Fair Credit Reporting Act, section XXXX, in order to prolong the removal of this outdated negative account by updated the reporting date of the account to XXXX. This account from XXXX XXXX XXXX XXXX should be removed and never updated. The account has been closed since XX/XX/2008 and the status on the credit report states, it's closed/paid/and zero balance.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (ID)

My name is is XXXX XXXX. I am presently going through a XXXX, and my husband is XXXX XXXX. I don't say that, like so many XXXX. I say that because it's absolutely true, and I am refinancing our house to pay him out, so he'll get out of our home, where my XXXX year old daughter has left, and won't come back until he is gone. I left the mortgage to be paid by my husband last XX/XX/XXXX, and one time in XX/XX/XXXX. Both times he claimed he paid it, and didn't. I've since taken it out of his hands completely, and I am the financial bred winner in this household and family, and don't trust a thing he says anymore. BB & T has been fiddling with this forever. I was NEVER 60 days late as they are reporting. When I found out he didn't pay in the months of XX/XX/XXXX and XX/XX/XXXX, I took care of it immediately, and told them what he did, and I rectified it. They have been reporting me 60 on this mortgage since those months happened. I am refinancing this loan to get my husband out, and these people are just going in circles, there is nobody to talk to? I called and one person told me 5 days, and the other told me possibly 45 days? I never was 60 days late, and it's taking forever and a day to get anything from them, while my life falls apart at the seems, because my husband is torturing me on a daily basis in this home, and I can't get him out due to BB & T 's inaccurate reporting of our mortgage. Please help me before it's too late.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WI)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Chase bank of a fraudulent application submitted with his information without his consent for a Chase/XXXX account. An inquiry was made into his XXXX and XXXX credit report ( s ) XX/XX/2018 related to that application. An official dispute of this was mailed to Chase/XXXX   XX/XX/2018 ; as of this date Chase/XXXX  has not provided an update to the investigation of this issue which is a violation of the FCRA.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, an online payment of {$2900.00} was made into my Citi MasterCard account from a XXXX Bank account ( this credited amount was shown in my statement for the period from XX/XX/XXXX through XX/XX/XXXX ). This was an authorized transfer and, as noted, was duly credited to my MasterCard account. Sometime on or about XX/XX/XXXX, this payment was removed from my Citi Cards account without my approval or knowledge.This action was shown in my Citi Cards statement for XX/XX/XXXX through XX/XX/XXXX, and was described in a letter I received from Citi Cards dated XX/XX/XXXX. To find out what happened, and to get my money put back into my account, I called Citi Cards on XX/XX/XXXX and XXXX ( on the XXXX, I was told that the matter had been turned over to a supervisor and there was no need for me to send any background documents at that time ). Then I received a letter ( dated XX/XX/XXXX ) from Citi Cards saying that the situation was being investigated in their " security department ''. I heard nothing further from Citi Cards, so I called them again on XX/XX/XXXX ; and then on XX/XX/XXXX and XXXX, XXXX. During each call, they seemed to be confused about this case ( as if they had no record of the letters they had sent to me or my previous calls, and they kept transferring me between Customer Service and Security, etc. ) and no progress was ever made. That is why I am contacting the CFPB ; it seems Citi Cards can use some help in getting this matter resolved.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX XXXX XXXX not fair its bringing my score down badily
Consumer complaint received 2016-06-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Enclosed is a letter explainging dire urgency of issues. Around XXXX XXXX XXXX XXXX and myself were with USAA BANK and INSURANCE for CAR and RENTAL. 
XXXX been a member for over 20 years. We had noticed large amounts of money missing from our checking accounts. We made several calls to USAA bank about the issues. USAA BANK was of little help. 
In fact at one point they a USAA customer service person said that we should look at each other as the culprits. It was at that time, I decided to open up a seprete USAA checking account in my own name to monitor issues. And in next few weeks more and more money from accounts ended up missing. It was n't until around XXXX XXXX that we started get answers when a boyfriend of a friend came forward and told us that he knew his boyfriend had been using our information and cards and that he had several convictions against him for credit card fraud and being in caught possession with other peoples credit and or debit cards. The boyfriend of our friend who was doing this to us left a message for the boyfriend were he admitted using us and others and did n't care. He was also renting out his garage to well over 6 homeless or other people and taking their SSI checks. The person who had been stealing from us also had someone show up XXXX at our door which a neighbor saw this and called the police. As well he started many disturbances knowing that we were going to be filing a police report. The loss was greater than we could even imagine around end of XXXX it was around {$20000.00} plus. We also found out the person who had been getting into our accounts had an operation running credit cards from state to state. We knew very little if nothing about account tampering, credit card fraud or anything of the like, so XXXX XXXX called USAA to warn them of all that was going on and that the person doing this had got into our accounts and we were unclear of what they could do to any other accounts at USAA as we said we were just learning about dealing with this stuff. I was asleep when XXXX got USAA employee XXXX XXXX XXXX XXXX XXXX ) on phone. As he proceeded to tell her what was going on I could hear her shriek while waking me up and causing me to go into the other room, she said WHAT DO YOU WANT FROM US. Only she did not use those words. They were much more harsh. And proceeded to rant. It took quite a while for XXXX to explain our situation and that we were calling to let them know what was going on with our accounts and wanted warn them in case the person who done this could harm any other USAA customers with the information we had. After a while of going back and forth, she finally said for us to go to police station fill out a report and let them know what charges were not ours from checking account.
Consumer complaint received 2019-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Hello My name is XXXX XXXX, I enrolled A student loan From NAVIENT for {$17000.00} With XXXX XXXX XXXX. I've been paying them {$500.00} a month to build up my account and they would negotiate a settlement with them. I followed the creditor 's Instruction 's to the letter, but they won't listen to reason. This has been going on for the last 8 month 's. They called my house 10 time 's a day, I submitted a cease and Desist letter, they stop calling the house. Now they Email me 4 times a day, have called everyone in my family, my son 's, my In-laws my parent 's. Now Today they threatened with Default this Friday. I reminded them about XXXX XXXX XXXX Program, they tell me we won't deal with them, we want the loan paid in FULL, NOW!!! They won't listen to reason. I Keep reporting them to XXXX XXXX XXXX, send them all the email 's, tell them about the Threats, now XXXX told me to file a complaint with you, I don't know what else to do. Please Help me if you can. Me and my son have Paid almost {$150000.00} dollars worth of Student loan 's off, but NAVIENT is the worst company I ever had to deal with. My Son XXXX Got his XXXX  In XXXX  and is working XXXX XXXX, In XXXX GA, We are Paying every loan that we got Back. He Pay 's almost {$2000.00} dollars a month, and I pay {$600.00} a month, but NAVIENT doesn't Care!!! They are Very Belligerent! Please Help Us if you Can, Thank you.