davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America states in complaint # XXXX, " Our records show the account was current and due for XXXX XXXX at the XXXX Bank of America acquired XXXX. '' This is 100 % incorrect. Also, IF the following is true : " Further investigation has concluded that at the time of the XX/XX/2011 transfer to XXXX, .... '', there SHOULD BE A RECORD of " Assignment of Mortgage '' between Bank of America and XXXX. The two documents provided to me by XXXX, PA Recorder of Deeds, in regards to the account in question, are the original assignment ( # XXXX ), which is under the name XXXX Bank, and was never transferred into the name of Bank of America. Also, the Satisfaction of Mortgage ( # XXXX ), is listed as " Bank of America , NA S B M TO XXXX ''. There is NO MENTION of XXXX, in any of the above-mentioned documents. Therefore, since this mortgage was never properly transferred, this deems this mortgage as invalid. Also, I do recall during the application process, I met with XXXX, and XXXX. They got the property value online, and stated I had approximately {$53000.00} in equity. I informed the Personal Bankers, I only needed {$10000.00}, to make home improvements. Upon closing, I was informed due to the XXXX/Bank of America merger ( acquisition ), signing new documents, to switch the loan to a second mortgage, instead of a Home Equity Loan, would allow the funds to be dispersed more expeditiously. Had I had known the original Home Equity Loan would have been dispersed in the same manner of time as a second mortgage, I would have requested to leave the paperwork " as-is ''. I am certain Bank of America has the ability to verify the employment of the 2 employees I mentioned. The branch was located at XXXX PA. Zip Code is XXXX.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been trying to get my credit report from tranunion online for over three months, I have spent in excess of 20 hours on the phone with them. I keep getting an error saying they ca n't access my account with the information supplied, it does not ask for any information just ask me to log in, I have verferd the correct address is on file with them my name is spelled right. Trans union keeps saying try in 24 hours yesterday they said someone would call me within 24 hours and no one every did.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AL)

The lender has stated as of today XXXX/XXXX/XXXX the clients file was denied due to the active sale date on the loan - I advised the lender that this file has been in review for over 2 months with them continuously requesting docs to be updated and provided - I was advised on XXXX/XXXX/XXXX that the sale date was on hold/postponed and the file was in review, that noting was needed for that review. We have left several messages for the relationship manager assigned to the file with loss mitt with never receiving a response - I spoke to a rep today that advised the loan was denied a modification because of the sale date and that I should just resend the package and hope for the best ....
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Equifax refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, OH " The US Bankruptcy Court does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the US Bankruptcy Court ) to get required verification and validation. I have again attached the letter FROM the US Bankruptcy Court showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter.
Consumer complaint received 2016-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has had me paying a loan that was discharged XX/XX/2010 as part of my Chapter XXXX Bankruptcy. I only found this out because I inquired to the payoff amount and asked my loan payoff be reported to the credit bureaus. XXXX and XXXX both sent paperwork showing the loan was discharged in XXXX 2010.
Consumer complaint received 2016-06-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (MO)

I being sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while in XXXX XXXX. I did live there for 3 years, XX/XX/XXXX-XX/XX/XXXX, after XXXX military service. I moved back to XXXX XX/XX/XXXX for medical treatment. I was not properly notified, the debt is 7 years old, and the funds are exempt from collection, ( social security for XXXX, veteran compensation ) Midland Funding , LLC is the collection company in the states, represented by XXXX XXXX in XXXX XXXX.
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

I am XXXX XXXX from XXXX and I have looked at my credit report and noticed that a company that is from your state is listed on my credit report. I had a representative to contact this company last week on my behalf as I have a busy days during the week. After careful research my representative saw that this company is not authorized to collect or licensed to collect in my state of XXXX. XXXX has a specific rule as it relates to who is able to collect here. XXXX XXXX XXXX appears on my credit report and their license has expired according to the XXXX Office of Financial Regulations and with the business licensing division which is confirmed by our state 's website, XXXX. In order to collect in XXXX you must be licensed with both agencies and in good/active standing, which this company is not. My representative called and asked to speak with the office manager and or their compliance officer, and when she was asked what the call was in reference to, she explained the above. She was transferred to a guy that said his name was XXXX XXXX, who represented himself as the company 's legal counsel. He went on to denounce the claim verbally with the representative and attempted to scold her for not being an attorney ( which she never represented herself as such ). After more review by via reviewing the XXXX Bar Association website there is no active attorney in XXXX with the name of XXXX XXXX, and the only one that was listed was a deceased attorney. Fidelity Information Corp is willfully and maliciously violating XXXX State Law, FDCPA ( Fair Debt Collection Practices Act ), and is using deceptive practices and false representation. 
I am sure your office does n't support businesses in your state operating in such manner. The company was contacted to give them an opportunity to rectify the problem however they have failed to do so, and them continuing to report an account they ca n't legally report is very damaging to me as well as my family. Mind you, I have never had any contract with this company AT ALL! At this time there is no current court action pending, there has n't been in another legal actions prior with this company but if this ca n't get resolved expeditiously, then legal action will definitely go forward. 
I have letter I faxed to them, as well as proof of Expired status with both XXXX Agencies, as well as a copy of the XXXX Bar website with the only XXXX XXXX being a deceased attorney. Has this XXXX XXXX with XXXX XXXX XXXX ( if that is his name ) tried to assume and resurrect the identity of this deceased attorney " XXXX XXXX ''?
Consumer complaint received 2016-11-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On Wells Fargo 's online banking website, there use to be running totals for each transaction on the checking accounts, savings accounts, and on the platinum visa credit cards. Wells Fargo recently redesigned their online website, and now only have a running balance per transaction on their savings accounts, changed the checking to only daily running balances, and completely removed any running balance/total at all from the platinum credit card accounts. With no running totals for what is owed on the platnium credit card accounts, customers no longer have a way to check and balance their grand total. Wells Fargo can literally put any grand total as owed without customers being able to check if it 's accurate unless they go back to the beginning of time with their account and calculate each transaction by hand. Not only is that a huge issue for customers, but Wells Fargo 's online records do n't even go that far back. So customers are just supposed to trust that their total is correct. It seems very suspicious that Wells Fargo would due away with this feature, especially in light of all of the fraudulent activity going on with Wells Fargo in the news. I would think it 's illegal to due away with that feature and give customers no way of checking their grand total owed on their credit card? I feel it really needs to be looked into and investigated. A Bank should not be allowed to remove data like that and expect customers to just trust their grand total owed without any way of confirming it 's accurate.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

i was supposed to close on my home on XX/XX/2016 just to find out that i was not able to do to the fact that the special warranty deed was not completed from Pennymac to HUD ... So now for the holidays Im homeless with my 2 children when i called Pennymac nobody seems to care. I have not splet or ate in days. How could something so simple have me and my children facing being homeless. Ive begg this company to respond ive called all day and been passed around. Please help me time is not on my side with this issue.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (NV)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXXXXXX Account Number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I received a Debt Validation Notice dated XXXX/XXXX/2016 From XXXX XXXX XXXX for my loan with Wells Fargo Bank for property located on XXXX XXXX XXXX XXXX Ca XXXX. I disputed the debt validation in a letter dated XXXX XXXX, 2016 as result of Wells Fargo being in receipt of a check in the amount of {$4700.00} which they have held since XXXX 2016, a check which Wells Fargo Bank was directed to apply to the XXXX delinquent mortgage payments. 
To Date : Wells Fargo has not applied the monies to the account which I sent, moreover, they are not disclosing where the money is being held, yet they are moving forward with a foreclosure on the home, despite the fact the home is up for sale and it has been brought current within the last 6 months. 
I received a letter dated XXXX XXXX, 2016, from XXXX XXXX XXXX the attorneys for XXXX XXXX XXXX who informed that a Substitution of Trustee had been executed by Wells Fargo appointing them as the new Trustee, however, after a closer look at the document it fails to disclose who is being substituted out, there are additional flaws with regards to the authority of the substituted with this document. 
Please see the notices sent to me from Wells Fargo Bank regarding the delinquency of the mortgage loan, as I am on the Deed of Trust and the only one who has made been making the mortgage payments in for the last two years. My former Trustee was XXXX XXXX XXXX XXXX who 's entity number is XXXX who 's jurisdiction is in Texas : There is no mention of XXXX Default XXXX XXXX, in the Substitution of Trustee, however, Quality refers to XXXX XXXX XXXX XXXX as the entity who was the parent company ( XXXX ) who has surrender their corporate status. It appears to me that there are deliberate acts to confuse and to take the property which is in a predominately minority neighborhood.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TN)

In XXXX XXXX, my lease for a XXXX XXXX XXXX had been completed. In lieu of returning the vehicle to Ally, the lease holder, I traded-in my leased vehicle to the dealership when I purchased my new vehicle. The vehicle was never returned to Ally but they have filed a collection against me and my ex-husband for excess mileage fees. Had the vehicle been returned to them, they would be entitled to these fees but since the vehicle was purchased by the dealership where I purchased my new vehicle, they are not. Section XXXX of the XXXX XXXX Agreement ( Excess Mileage Charge ) clearly states, " There is no excess mileage charge if you buy the vehicle ''. Since only XXXX outcomes are possible at lease end - purchase or return the vehicle - and the vehicle was purchased, Ally is not due these fees. 

NOTE : My new vehicle purchase was financed with Ally Financial as well.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (CA)

I currently have a PayPal credit account and have had it for several years now. As of XXXX 2016 i have been unable to use my credit account anywhere. There are no vendors that accept PayPal credit. The problem is : The account keeps wanting to convert the currency used into XXXX instead of XXXX. I have called in to paypal 7 times, reported this issue, submitted tickets and anything else i can do on my end for months. Basically they have told me since XXXX that i need to wait for their tech team to fix the issue, all the while i have not been able to use or spend the money available on my account.
Consumer complaint received 2016-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (WA)

A collection account showed up on my credit reports for Midwest Recovery Systems. They 're phone number is listed as XXXX. They 're address is listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. They show original creditor as XXXX XXXX. 1. I have not ever received debt verification or any correspondence from the collection agency. They say the account was placed in their office XX/XX/XXXX for debt dated XX/XX/XXXX, yet they have never contacted me. 2. I have never done business with CP Investors. I have not ever been contacted by them for any debt. 
I believe XXXX XXXX to be a scam and Midwest Recovery also. They failed to notify my of any account in their office within 30 days and reported a, fraudulent account to the credit bureaus. I would like the account removed immediately and Midwest Recovery held accountable for failure to comply with the law. What they are doing appears to be fraud.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I previously filed a complaint with CFPB about a State Lien being reported on my credit that is not mine and I had gotten a letter from the courthouse that said I do not have a lien in that amount, with my social security number and my address of XXXX SC XXXX. I diputed with Transunion and they did not delete. I then sent a Method Of Verification that by law needs to be returned in 15 days and all I received was a letter talking about disputes but not showing any method of how it was disputed. I am trying to buy a house and they have ruined my credit. They have violated the credit reporting act by not reporting who gave them these results as the courthouse did not
Consumer complaint received 2016-10-21
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was sent an offer to start a trial period payment for my home equity line of credit from bank of America on XX/XX/2016. But Bank of America never mailed me the terms of the modification agreement. 
XXXX is my only language. 
I have been making my payments, but
Consumer complaint received 2016-06-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX 2016, about a month ago, a friend of mine and I went to an estate sale. We purchased a file folder case that contained some miscellaneous papers and also had some XXXX money in it. We took the money to Wells Fargo to see if it had any value. They looked it up and said, " This ca n't be right, can you come back tomorrow with the money when we can verify for sure that it is correct ''. 

So we brought the XXXX bills in the following morning and met with the bank manager and two ( 2 ) other bank employees. After consulting with others on the phone and amongst themselves, they came back and informed me that the money was real and had a value of {$9200.00}. I asked them to please double check and make sure that it was indeed that valuable. I explained to them that I did not want to find out later that it was a mistake. They informed me that they had indeed double checked and actually had triple checked that the money was real and had value. They deposited the amount to my account on XXXX XXXX, 2016. 

Now after three and a half weeks Wells Fargo contacted me this and told me that the XXXX money I gave them have been taken out of circulation. They now are demanding that the money be returned to them. 

In no way did I misrepresent the acquisition of the money or its value. I did not fraudulently represent anything about this situation. Wells Fargo is a very large bank that has branches all over the world. Wells Fargo is the self proclaimed money experts, so who better to take the money to. Even before I went in to the bank, I contacted them by phone to verify that they did currency exchanges, which they did. On XXXX XXXX, 2016, Wells Fargo took out the {$9200.00} from my account leaving my account overdrawn by {$1000.00}. I got a call today from Wells Fargo asking me to pay the overdrawn amount today. They already took every XXXX in my account and now they want me to pay more to cover their own mistake. We have made decisions of how to spend this money based on it being ours. We put money towards the escrow for a land we 're hoping to buy. And because of Wells Fargo 's wrong doing we may lose the escrow money and the land. 

I do n't get the privilege of going back and undoing all my mistakes. Do I have to let them?
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Reliable Credit Association, Inc. (ID)

I currently have an auto loan with Reliable Credit in XXXX, Washington that was opened on XXXX XXXX of 2014. I found Reliable Credit had communicated to the credit bureaus that the account is closed and was claimed under my Chapter XXXX bankruptcy of 2014. I called Reliable Credit, who stated they recently upgraded their software, which resulted in the incorrect information being reported to the credit bureaus. They stated I would need to file a dispute in order to correct the information. I filed a dispute with XXXX, which is now closed, once again, showing the same incorrect information. I am now facing hardship due to this matter. I have never been late during the entire existence of this loan, but now XXXX has lowered my credit XXXX points and XXXX and has subtracted XXXX points.
Consumer complaint received 2017-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIRST HERITAGE CREDIT LLC (AL)

I went in to make a payment on my account and I noticed that the computer showed that I owed more than I was suppose to. I asked the employee why was it showing that but she had no explaination so she proceeded to get the manager! When the manager looked at my account, at first she could n't figure out why either, so I asked for a copy of my payment history and saw mistakes! I pointed the mistakes out to the manager but she said that I was wrong and started claiming that I missed a payment. When I told her that I had not missed a payment and that she was lying she told me that if I did n't hush she would call the police and have me charged with trespassing and she also threatened to garnish my wages even though I was not behind on my payment. I told her that I was only trying to figure out what was going on about my account and asked her for her head office 's number but she still proceeded to in fact call the police on me and afterwards demand a payment from me! The police came and got a statement from me and after I left I called the supervisor to that office and explained what had happen and when she looked at my account even she admitted something was wrong! The supervisor was suppose to get back with me on the XXXX of XXXX but have not heard anything else from her! My account is getting further behind and I do n't know what to do!
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (SC)

CHASE SLATE sends an advertisement to cardholders claiming they can view their XXXX score by going on line. In order to get the score the cardholder must sign-up for an online account and give their Social Security number. No SS number, no signing up. Maybe CHASE should consider sending the score along with their bill, like XXXX does, instead of forcing customers to make it easier for identity theft.