davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America mis applied my payments to the wrong balance transfer promotion and is charging me interest on the new balance. They are also NOT recognizing a " Check Cash Advance '' promotional balance at the correct interest rate. I was told that " you ca n't write/depsoit a check to yourself and deposit it in your own bank account. '' When I asked for the person to show me where it says that on the marketing brochure for the promotion, she referred me to the XXXX office. I spoke to someone in their XXXX office, which apparently handles disputes such as this and I was told, " The bank had a major computer glitch earlier in the year that mis applied and mis calculated interest. XXXX accounts were effected and I assure you we are working to resolve the problem. You will see interest accumulate over the next several months on your statement but do n't worry about it, we are rectifying the problem and all fees and interest will be credited back to you at a later date. '' She could not give me a reference # of my dispute and asked me to call back in a month or so. The promotional balances on my statement do n't even add up to the entire balance due noted at the top of the statement. Further to this point of major computer errors, XXXX of the promotional balances appears to have shifted a decimal point and shows {$10000.00} in my favor. I compared to the previous statement and it 's clearly a computer error. My concern is that they will try and rectify the problem without any oversight and who knows how many XXXX of card holders will not even notice an error has been made and end up paying XXXX dollars of erroneous interest to the bank.
Consumer complaint received 2015-09-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY ()

In XX/XX/XXXX I opened an IRA with Wells Fargo - XXXX XXXX. I explained at the time that I live in XXXX, but was anticipating a pension payout from a previous employer in the XXXX. I explained that what I wanted to do was roll the money from the employer, into an IRA, then make a drawdown on the IRA and have it electronically wired to my bank ( XXXX 's ) in XXXX. 

The rollover to the IRA happened in XX/XX/XXXX, as anticipated, and a drawdown was placed into my savings. When I requested to have the funds wired through XXXX 's XXXX to my XXXX 's account in XXXX, I was told this could not happen. I was then told I needed to make daily withdrawals from an ATM to get the money. I explained there were no Wells Fargo ATMs in XXXX. Wells Fargo reported that this was the only way I could get the money. Each time I made a withdrawal from the ATM, I was charged a {$5.00} fee for using a non-Wells Fargo ATM. I was also limited as to how much I could withdraw on a daily basis, to {$500.00} ( XXXX ). After about XXXX trips to the non-Wells Fargo ATM, the bank manager at XXXX XXXX increased my daily withdraw limit to {$1000.00} ( XXXX ). 

It took me all of XXXX, all of XXXX and into XXXX to obtain the funds using the ATM, which resulted in incurring ATM charges in the hundreds, which were far in excess of what it would have costs to make a simple electronic transfer to my bank in XXXX. 

I feel I was lied to from the very start! Wells Fargo should have told me from the very start that they were not able to electronically transfer the money.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (PA)

I applied for the XXXX XXXX Visa from US Bank on XXXX XXXX, 2015. Prior to receiving my card in the mail I received an email from stating that the major benefit of the card ( a bonus award night ) would be going away. When I called US bank to see if they would waive the annual fee they said it was out of their control because XXXX XXXX was the one who made the change. I feel like this is a bait-and-switch tactic due to the fact that US Bank is still advertising the bonus award night as a benefit EXCLUSIVE to card members.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

We purchased our home in XXXX. In XXXX my husband, who is the mortgage holder, became permanently XXXX. We began having difficulty making our mortgage payments and since then we have exhausted all of our funds i.e. IRA 's, Stocks etc. in order to make our mortgage payments but unfortunately the last mortgage payment we were able to make after exhausting all of our funds was in XXXX XXXX. Since then Wells Fargo has begun foreclosure proceedings. We have had our first foreclosure conference so far and the XXXX conference is scheduled for XXXX XXXX, XXXX. During the XXXX conference, the referee told us that we had to apply for a loan modification but in order to be approved we had to increase our income. I explained to her that I am seeking employment but that right now our only source of income is my husband 's social security XXXX income I also informed her that we can access my husband 's pension early if we choose to and that in XXXX XXXX, I can retire at age XXXX. The referee said that we should include in the modification request, proof of how much additional income we will be getting with my husband 's pension and with my social security, which we did. A Wells Fargo representative called today stating that our modification request was denied because a ) our investor does not participate in HAMP. When we first got our mortgage, it was a XXXX XXXX mortgage ( who does participate in HAMP ) but I was told that it has since been sold and the investor now is XXXX ( XXXX, who does not participate in HAMP, ) and B ) our income is too low. I asked how it was determined and I explained again about the pension and retirement income but he said that those amounts could not be taken into consideration because we are not yet receiving that income. I would also like to add that we do not have major credit card debit, we do not have an auto loan ( our car is 8 years old, ) and the only reason we are in this position is because my husband became ill. He is an end XXXX. He is XXXX. He is currently in a XXXX and will be coming home hopefully within the next month after having been in XXXX on and off for almost a year. We do not want to lose our home that we worked so hard for and we are respectfully asking if there are any other options for us. We have not yet received a formal denial letter for a loan modification. A Wells Fargo representative called me today by telephone to alert me of the denial.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a 'permissible purpose ' I am writing this letter. 
I do n't recall applying for credit or several COMPANY'SYou state it yourself on my report. Unspecified I did include some definition of Unspecified. I did not authorize to run my creditFrom the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] '' ( : D Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Consumer complaint received 2015-09-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (IL)

I borrowed thru ' Discover XXXX loans which is serviced by XXXX XXXX. My issue is, I am unable to obtain an accurate balance on my loan from XXXX XXXX. As a result, I am unable to either payoff my loan OR ensure that monthly installments are accurately calculated. 
ISSUES:1 ) I set up an auto payment to stay current on my interest payment. XXXX XXXX refuses to pass on the 0.25 % APR reduction offered by Discover Financial for setting up Auto Payment. 
2 ) My loan went into repayment XX/XX/XXXX and as mandated, I received the Truth In Lending. However, there were also errors in my TIL and I called to report them. The customer service agents at XXXX XXXX has been passing the buck on to Discover Financial and have been unable to share details on how my payments and if any APR reduction/discounts were applied. 
3 ) The loan servicer 's website is poorly managed and lacks transperancy. There is no information on how payments were applied and the current accurate APR is not displayed either. 
4 ) For example XXXX XXXX restricts customer payment history. They go back only one year. The interest rate shown on their website ( 4.5 % ) does not " exactly '' match with what Discover states on its website ( 4.477 % ). SPREAD OVER 240 PAYMENTS THIS IS A VERY LARGE DISCREPANCY. 
5 ) The repayment commencement date ( when the loan is scheduled to go into repayment ) is also not posted on XXXX XXXX website. As a result customers are not able to calculate the interest due accurately. 
RESOLUTION EXPECTED : I need the CFPB 's help in obtaining an accurate Truth in Lending document. 
Also, given its oversight, I urge CFPB to work with the above lender and servicing agent to ensure that student loan borrowers have better and ready access to ACCURATE and CURRENT information on their loans. Thus, the student borrower community is not put through unnecessary hardships in PROMPTLY AND ACCURATELY PAYING OFF their loans.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Thanks to XXXX XXXX 's furlough program and a lengthy and costly divorce, I was forced to file bankruptcy in XXXX. I was informed by XXXX XXXX, that because I filed for bankruptcy, they can not, by law, send me a monthly mortgage statement. I receive a Form XXXX at the end of the tax year. Prior to the XXXX tax year, the Form XXXX did not show the loan balance. I had to call XXXX XXXX loan servicing department and have them mail me a statement. The matter concerning the homeowner 's insurance gets a little complicated. In essence, the roof developed a leak, I had it fixed but the roofing company that performed the repairs went out of business and I did n't have anything to prove that the repairs were completed, so the insurance company ( XXXX ), cancelled the homeowner 's policy. Ironically, I was referred to the roofer by XXXX when I filed the claim. Wherein after being notified by XXXX of the cancellation, XXXX XXXX, took out a policy with another insurer but I have to pay the premiums which is almost double what I was paying. 
So I 'm in a Catch 22 situation : In order to obtain coverage on my own, I have to provide proof of insurance. Without proof of insurance, I have to maintain the insurance coverage the XXXX XXXX obtained. And unless I can get the roof replaced, I ca n't obtain insurance ( at least not at a reasonable cost, if at all ). I even applied for HARP to get out from under XXXX XXXX or at least reduce the mortgage payment enough to allow me to have the roof replaced, but the XXXX XXXX made that effort unnecessarily difficult. So now, I avoid having to deal with them entirely. The current issue is that I attempted to obtain a loan to have the roof replaced ; however, the XXXX XXXX has not been reporting my mortgage payments to any of the credit reporting agencies. As a result, not only is there no reporting of my mortgage payments since XXXX but I ca n't get a loan because no insurance company will write a policy until XXXX XXXX, XXXX -- three years after I originally filed a claim to have the roof fixed.
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I am very disappointed that Chase has not honored the terms of the offer I opened my checking account under. My employer has made XXXX direct deposits of my paycheck to my new account. Chase is claiming these are not direct deposits and not posting the {$300.00} credit as promised. I consider this wrong.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (PA)

I am seeking information about my Genesis loans through XXXX in XXXX, PA. I have heard about all of the loan forgiveness because of the XXXX XXXX settlement. I was one of the many students who were talked into the lending scheme brought on by these schools and Genesis lending company. I was charged horrible interest payments that I could n't afford, while still in school. As well as, pulled out of class because I could not afford payments. Horrible interest rates still haunt me, along with unreasonable monthly payments. I am already on deferment, on which they still require me to make minimum payments. I have a loan balance of {$21000.00} and have no idea how I will be able to keep up with this. I feel as though I was a victim as well as other students who have already had their loans forgiven. The way the company went about handing these loans out to young students who know nothing about them, was wrong. My loan servicer XXXX told me that Genesis has already handled the persons eligible for forgiveness and passed me along to their company. So my question is, why was I considered not eligible? I attended school in XX/XX/XXXX-XX/XX/XXXX and suffered just like everyone else who attended these scheming schools. Please help!
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

I started with this mortgage company in 2007, after the death of my husband. Since I have been with them they have refused to refinance this adjustable rate mortgage, they are adjusting it more than every 12 months. Plus the company has changed their name XXXX times. They have not sold the loan, they have changed their name. It started out as XXXX, then they changed to Vericrest, now they are trading under Caliber Home Loans. Since I have been with them, they have charged late fees unsubstanciated. They never put an amount on any of their statements or their website as to how much the late fees would be, If I paid the mortgage on a Friday via the internet, it would not post until that Monday to my account. If Monday fell on the XXXX or later, they charged a late fee. I questioned them 2 years ago about what their late fees are, and how and when they were charging them. They sent me a breakdown from their own records, that showed XXXX lates on my record, but they have me owing them {$390.00}. Whenever I asked to speak with a manager they were either never available or someone would identify themselves as the manager, state they would look into it, and never call or write back. They also reported me late to the credit bureaus several times { I think to justify not refinancing me }, but eventually had to remove it from my report. It has been exhausting dealing with this company, the Attorney General 's Office has advised me to get an attorney, as well as contact your department for assistance. I have every monthly statement, as well as correspondence from them since 2007. I will attach the important ones, and hope something can be done. The last supervisor I spoke with there told me it was perfectly legal to charge a late fee if they do n't post a payment before the XXXX, no matter when I pay it online.
Consumer complaint received 2016-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NV)

Experian C/O XXXX XXXX XXXX, TX XXXX Regarding your report number XXXX. 

Do not misunderstand, this is NOT a dispute. I repeat NOT a dispute. I will repeat it one more time, it is NOT a dispute. 

I am NOT asking for an investigation, repeat, I am NOT asking for an investigation This is just a request for information that was omitted from your report number XXXX. I have a right to this information so please provide the following : Name of the " furnisher '' you talked to. 
Address of the " furnisher ''. 
Phone number of the " furnisher ''. 
The name of the person you talked to who verified the information you are reporting. 

As you are well aware I need this to contact them and query as to the information you have received and what information they supplied to me, provided they are the same person/entity.
Consumer complaint received 2015-09-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

My wife had been paying on a debt from XXXX money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented that she was XXXX She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay XXXX. She tried to contact them through mail for settling the debt and got no response. 

This year, XXXX money, and MJ elliot served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and MJ Elliot to see how to work this out and start paying again, The court said MJ Elliot had to drop it or take payments. We then called MJ Elliot who said they no longer had the debt, but yet they still had the summons that the court said only MJ Elliot could drop. 

When asked about this recently after XXXX complaints XXXX says they are no longer XXXX and are XXXX bank who states that MJ doesnt even have the debt. They are not only trying to get this money from us but so is Mary Jane Elliot. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent XXXX {$25.00} and the summons is still in place. XXXX Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to XXXX. It is enclosed.
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I opened a checking, savings, secured credit card, investments, and ROTH IRA with USAA bank. From hearing from friends and family of how happy they were with the service, that is what prompted me to open accounts with them. So far I have been extremely happy, until XXXX XXXX, 2015 when I tried logging on to the internet to view my account balances. I receive a message stating " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. ( XXXX ) '' I immediately contacted the bank and was informed that they will be closing my accounts due to a criminal record that was discovered. At no point in time before, during or after was I informed of a criminal record check, nor did I ever authorize for my records of any sort to be accessed. After reviewing their account opening agreement, and other disclosures, nowhere does it state that a criminal record search maybe conducted and/or may bar you from an account.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: STERLING JEWELERS, INC. (LA)

There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore.
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. (FL)

I am writing to point out some mistakes in the report titled in my credit reports. There are several incorrect names and addresses listed that need to be fixed. I am attaching the identity theft report with all the incorrect names and addresses as well. 
Names : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX The Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NV)

I have filed bankruptcy and it has been dischraged, i had my XXXX mortgage in the bk and they are still harassing me. I have told them multiple times that my bk has been dischargedbut they still keep calling all day long
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I have disputed this issue numerous times about XXXX account from 2009 and that it states charge off and does not show the amount charged off and creditors think this is a repossession of a vehicle and its not. I called XXXX XXXX XXXX and they said that it is the credit bureau they use same code name for repossessions even though its not. I think this needs to be corrected because I have been denied credit numerous times because dealerships think it is a repo on my credit report. This is unfair practice of credit reporting and will result in legal action if not corrected.