davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX. I opened both a savings and a checking acct with wells fargo and deposited over 130,000.00 initially to open my account. Over the next several months i took numerous flights back home to visit my mother in Texas who became ill. I was so busy i didnt have a chance to verify my banking transactions. When everything settled down i finally got a chance and noticed errors on my statement. A hand full of unauthorized charges adding up to over {$1600.00}. I repirted them to Wells Fargo and was issued providional credit instantly. Not even 10 days the credit was reversed. I asked for documentation as to why the credit was reversed but never did i receive anything. One employee told me over the phone that thete was nothing to send. So wells fargo based their decision on speculation. After several complaints they closed both my accounts. Thats the service I got after putting {$130000.00} in their bank not even 6 months earlier. I didnt know how to oursue this until I read about this website on line. And it so happens that i received a recent email from Wells Fargo asking me to submitt any complaints by XX/XX/XXXX and they would be happy to resolve the matter.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (VA)

I contacted EOS earlier this month, around XX/XX/XXXX or XX/XX/XXXX, to discuss a settlement offer for an account they are currently attempting to collect on for XXXX XXXX XXXX. I asked what a one time settlement offer would be. The representative asked for updated contact information. I provided it as a good faith gesture that I was attempting to and had plans to settle the debt. When I provided my contact number, I told the representative not to contact me between the hours of XXXX XXXX - XXXX XXXX Monday through Friday because I was either commuting to and from work, or working during that time. I do n't talk or text while driving for safety reasons and I would get in trouble if I am on the phone during work hours. I also requested not to be contacted on Sundays. I have received 3 calls from them this week. The first two I did not answer the phone and those occurred on Tuesday, XX/XX/XXXX @ XXXX XXXX and this morning ( XX/XX/XXXX ) at XXXX XXXX. They called again at XXXX XXXX this afternoon ( XX/XX/XXXX ). I answered and the representatives phone connect was cutting in and out so bad I could barely understand the rep.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MD)

I purchased a flight in XX/XX/XXXX that was delayed over 3 hours. My XXXX XXXX card comes with a 3 hour flight delay protection, where Citi will pay for any reasonable expenses during the delay. I submitted a claim following their procedure, which consisted of meals and taxi rides. I was reimbursed for the taxi rides, but not the meals. I inquired about this, received no response, then inquired again, saying if I did not hear back in a week I would complain to the CFPB. I have still heard nothing back.
Consumer complaint received 2017-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Ocwen home equity loan. 
1. Error-riddled information. Every bill has different amounts, even phone calls they give different amounts. 
2. Illegally foreclosed on my home, no payments behind at the time. 
3. Failed to credit my payments : They refused to apply payments to my account in the past. Now they are showing my account as past due, even though I 'm on auto pay. Bank records show 12 payments made, they are showing only 11 payments. The also reported me to credit bureau for late payments. 
4. Escrow accounts : Ocwen added escrow account without my knowledge or permission. 
5. Ocwen failed to investigate and respond to my complaints : 6. When my loan was brand new they added a late payment.
Consumer complaint received 2017-10-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC (SC)

XXXX XXXX XXXX ( XXXX ) failed to honor a reaffirmation on my auto loan following aXX/XX/XXXXbankruptcy filing ( dischargedXX/XX/XXXX). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects XXXX ofXX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting them.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

I had started a dispute with Equifax credit reporting agency, its been three weeks and my disputes are completed. I know this because I 'm getting notices from Equifax by email say this is my conformation numbers and my dispute are ready to view. SO I CLICK ON THERE SITE TYPE IN MY INFORMATION EQUIFAX REQUEST. and it say we do n't have your information correctly so I retype what there asking again and double check to make sure its correct and same thing happens. So I call there help line XXXX XXXX XXXX finally get a person they tell me to call the help line??? which is the same number as I called then I can barley understand them and very rude. I only have so many day to check my settled dispute before its removed. at this point I 'm sooo upset I 'm ready to bring them to court myself. Please help me get this resolved This company should be shut down for there handling of public private information plus the handling of there costumer relations is terrible. I will take this further if you cant help me. which I hope you can, Thank you for ready my complaint XXXX XXXX XXXX
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX, 2017 I submitted payment for my California XXXX reneeal tags to a company out of XXXX XXXX to expedite their service in 1-2 days. I received immediate confirmstion by email of my payment. On to two weeks passed still no tags. Im drivinf around with no current tags for over 6 weeks now. Made numerous calls, emailed the company but never could get a hold of them. I went to the XXXX office to ask what to do. They advised me to have my credit card company file a claim because just with my receipt from that company they werent able to issue me my tags because they did not receive payment from that company. 
I reached oit to XXXX XXXX. This is where the real nightmare began. They filed a claim on my behalf but stated that i didnt authorize payment. Which was untrue. They just didnt listen. So after submitting my documents to them i was denied my claim and they sided with the merchant. I asked for copies of the documents to support their decision. Never received them. After calling 3 xs a day and being disconnected 2 out of 3 times unexpectedly with over an hr wait. XXXX agreex to open another claim for services not rendered. So they say. XXXX comes around and its 3 months now im taking the risk to drive to necessary places without my current tags. I had enough saved to pay cash to XXXX for tags I had already paid in XX/XX/XXXX but never received. I submitted my receipt to XXXX showing that the merchant they sided with never paid XXXX  and kept my $ XXXX. 
I still never got a response back from XXXX XXXX.i cant afford to pay twice for tags. I continue to call XXXX who says they will be sending out documentation that they received from the merchant that services were rendered. And to check my email. Nothing. XXXX has sent nothing to me because there is no evidence. This company straight out kept my money and XXXX XXXX did not investigate lime they should have.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: R & B Corporation of Virginia (VA)

No contractual obligation/agreement Pass 30 days and not in dispute NO RESPONSE delivered XXXX Inaccuracies : Incomplete account number Inaccurate date open/placed for collection Estimated month/year removal date is Inaccurate & Incomplete Missing monthly payment Missing past due amount Missing date of last payment Due to these inaccuracies this account was removed from other bureaus ( XXXX and XXXX XXXX
Consumer complaint received 2024-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (GA)

Technically, servicers are not even allowed to require a written application to consider borrowers for FHA loss mitigation right now ( FHA went to a streamlined process during the pandemic ). The fact that they are giving me the runaround and requiring me to fill out applications is an issue. I have submitted an application also thru email and never received a response either.
Consumer complaint received 2024-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (FL)

XXXX I'm including documents and requesting that you do an investigation make adjustments to the mortgage respond back with the adjustments you've made this was a wrongful foreclosure I'm including a letter from XXXX stating all payments were made XXXX through XX/XX/XXXX XXXX XXXX erroneously prepared a complaint claiming I haven't made mortgage payments since XX/XX/XXXX as you review the records you will see in XXXX XXXX had {$5000.00} in unapplied funds those payments were to be applied for principal and interest for XXXX through XX/XX/XXXX XXXX never credited those payments until XXXX of XXXX a clear violation of not applying payments timely and they proceeded with the foreclosure instead of correcting their error, payments were also sent to XXXX for XXXX XXXX XXXX XX/XX/XXXX, in XXXX of XXXX XXXX returned those checks once again in violation not applying payments to principal and interest as per the contract It was XXXX erroneous calculation within the complaint and XXXX 's non application of payments when they were received it should also be noted this was never an escrow mortgage I pay my own homeowners insurance flood insurance and my taxes, since XXXX I've never been late paying those taxes I expect an answer within the 30 days according to the statute that you're required to respond
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (MD)

We have had a trade account for nearly XXXX decades. Morgan Stanley recently acquired XXXX. 

We have high net worth, and have millions in savings and checking. We recently decided to transfer funds to XXXX due to better rates. 

Approximately XXXX weeks ago, approximately XXXX XXXX was transferred to etrade checking. They put a freeze on the account. Despite responding to the freeze with a follow-up call ( in which they indicated funds would be released ), we are still unable to access funds. 

I believe this is not a security issue, but a predatory business practice. 

We ask our funds be released, so we can transfer to another bank- and we receive a credit for the interest due on over a XXXX dollars recently deposited in checking ( at the rate provided by XXXX XXXX not the higher rate provided by XXXX XXXX. 

This is unethical. Predatory- and worth thousands of dollars.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

I was hospitalized in XXXX in XXXX XXXX in XXXX during the time when XXXX  I didnt have my property on me or remember who I was and when I got out in XXXX I notice I had credit reports and my debit card was being used in XXXX  and I live in XXXX XXXX XXXXXXXX and during the time the hacker was able to get my phone and wallet with my social and tax all my funds in account which exceed over XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received my social security payment every month and it never fails that I'm not able to access my money or use my card because they decide to do a security check now I'm XXXX and not able to get around so going to the bank in person is not an option sometimes. This prevents me from paying my bills or getting my medicine on time
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CA)

On XX/XX/XXXX around XXXX, I initiated a transfer of money to my Laurel Road checking account, and I noticed that the day after I did that, they wouldn't let me log into my account because they claimed that they have to do a security check. I want to close my account with Laurel Road and get my money back because I have seen many negative reviews about this company and how they mistreat their customers, and I feel the same way. I sent in my phone bill statement, and the bank account statement from which I transferred money to my Laurel Road checking account per their request. This is the message I got after I tried to log in on their website " We're conducting a security review to protect your account. We may reach out to you for additional information, if needed. Most reviews are resolved within 10 business days. For help, call XXXX or TDD/TTY : XXXX. ". I have never experienced any bank or company doing something like this before, and I am astonished that they're able to get away with this.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Credit Union Mortgage Association, Inc. (MD)

My mortgage company is denying many of my request with no reasoning. 
I file bankruptcy in XXXX and the bankruptcy closed in XXXX. I never included my primary residence and have the paperwork showing this. I am currently requesting the transcripts for that hearing. 
The Lender stated I reaffirmed the loan but on request, they would not send me the letter reaffirming the loan. I am several emails for my requests. 
I defaulted on loan XXXX, XXXX to now. None of the request I made was granted. They offered me a loan modification but I explained to the Lender I was experiencing a hardship with an IRS debt and my Grandfather 's financial issues. They never considered the loan modification again. 
The Lender Representative advised me that I needed to surrender the home and she asked if they could place a lock on the house. I responded no and that was only leaving my home temporarily to take care of my Grandfather. 
I never heard from the Lender again. 
In the beginning of XXXX, XXXX I received a letter stating Notice to the any party in the residence the house was being sold. 
I never received the Notice of Intent to Foreclose. I notified the Lender. The Lender had their Attorney email me the Notice of Intent to Foreclose and the Preliminary Loss Mitigation Paperwork ( dated ) XXXX XXXX, XXXX. A week later a guy shows up to the house and serve me the same papers. 
I completed the modification request. On XXXX XXXX, XXXX the Attorney sent me an email stating I was denied for the Forbearance and Modification at that time. 
I never received an official dated letter of denial from the Lender. 
When I asked why? She indicated the reasoning on the Hardship Letter was not sufficient with ie., my roommates income to me. But that was not the Hardship. I have requested a copy of the Letter of Denial. 
I have sent in two payments.
Consumer complaint received 2017-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

Regarding previous complaint XXXX. A settlement letter was attached to the complaint yet once again I try to contact Santander Consumer USA and they had no knowledge of the settlement so I had to fax them over a copy of the settlement. The settlement letter was for a one-time payment {$6000.00} by the XX/XX/XXXXI had called an email Santander Consumer USA supervisor regarding this and have fax over a letter requesting more time from the legal department of Santana Consumer USA, i have yet received a response back yet I need more time due to the bank will hold a check that 's being deposited the end of this month into my account also being that the damage had came up due to the latest hurricane IRMA. I am unable to uphold the {$6000.00} one time payment settlement at this time. Due to damages and me not having a car due to the car being a total loss I would still like to try to settle this amount but in the monthly payment. And being that I have been paying monthly on the vehicle that I no longer own I am requesting the settlement amount can be lowered from XXXX being that I have been making monthly payments and my total amount that 's due on the loan as of now has decreased. I would like to be contacted from the legal department directly so this matter can be resolved
Consumer complaint received 2017-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo will not speak to me about the options open to me to modify or save my FHA mortgaged home. They tell me to have my lawyer contact their lawyer. I explain that I do not have a lawyer and can not afford to pay a lawyer. They then tell me to contact the lawyer : XXXX XXXX XXXX. I try to call them and can only reach a voice message that tells me to leave my name and contact information. I have done that several times but no one calls me back.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (KY)

XXXX keeps having numerous XXXX party companies continuously contacting me. Even after a cease and desist and several complaints through the cfpb I am still getting a new company about every XXXX  days contacting me to collect the time barred debt. It has been this for years! They have been told to contact my debt attorney and still have others harassing me.
Consumer complaint received 2024-08-09
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. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

ChexSystems is reporting many inquiries which is preventing me from opening a checking account. My score is low and the inquiries are extensive, stemming from 2023. All not authorized/fraudulently done.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank has charged me XXXX overdraft fees on XXXX/XXXX/16 for {$35.00} each and XXXX internal transfer fees for {$9.00} each, stating my account was overdrawn when XXXX outbound internal account transfers were executed, however on XXXX/XXXX/16, the account was funded with {$100.00} and the credit posted on the same day the account transfers posted, leaving the account with a sufficient balance to cover the overdrafts on the same day the transactions were placed, therefore no overdraft fees should have been charged and can not be justified. This account is not enrolled in overdraft protection, and td bank is not supposed to approve transactions exceeding the account balance. In regards to the transfer fees, TD Bank is charging these fees for regular day to day account activity which is unjust and unfair to the consumer. The XXXX transfers that were performed were XXXX transfers into my checking account and XXXX transfer into my savings account to cover a XXXX dollar negative balance. I should not have been charged transfer fees and overdraft fees totaling XXXX in 1 day for performing transfers to keep my account balances positive in good faith. The overdraft fees are my primary concern because no overdraft ever occured and the account had sufficient funds on XXXX/XXXX/16. When I asked customer service to waive the fees, they denied my request as if I was asking them to waive the fees as a courtesy. I am not requesting a courtesy refund. I am requesting a refund on grounds that my account had sufficient funds on the day the transfers were executed. still, the bank continues to implement ways to profit from the customer for normal day to day account activity.