davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I applied for a mortgage loan through Navy Federal Credit Union. I received a preapproval, based on my current gross take home pay. I was then informed to find a home and place a contract. And that once the home was under contract I would then receive finally approval. I am self employed which I informed the bank up front, they requested my XXXX and XXXX for the past 2 yrs, which I sent over. I found a home in XXXX XXXX, 2016 and place a contract on the home. I spoke with the loan officer in XXXX to ensure that all of the documents that were needed to qualify they had. She ensured me of such. After I went under contract, paid for home appraisal, inspection, title search and survey. The bank had all the information need prior to requesting my tax returns to issue a letter of denial. They had my Federal Tax transcripts which are the exact same thing as my tax returns. They never requested my tax returns from me until that 8 days before closing. Federal tax transcripts are the exact same thing as my taxes. They are no different. At the time of them reviewing my tax transcripts, they should have issued me a loan denial. This was negligence on the banks behave. Three days prior to closing the bank sent me a denial letter! After myself and my Broker requested for the last 2 weeks prior to closing for them to respond with either a letter of commitment or denial, they waited until 3 days before closing to deny. They had received my tax transcripts and based on that alone they should have issued a letter to deny. But they did not! They continued to request further information, that had no bearing to change the fact that what was the income on my transcripts matched the income on my tax returns. As they are XXXX in the same! They knew XXXX2 weeks prior that they could not approve the loan and that is the time they should have sent out the denial letter. By the bank delaying their response placed me in breach of my contract in the purchase of the home, in the state of FL.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A. (VA)

PNC bank imposed an unfair ( if not illegal late fee ) against my PNC XXXX XXXX XXXX .The due date for my credit card is always the XXXX of the month so my most recent due dates have been XXXX, XXXX, and XXXX. I made an early payment 0n XXXX ( which PNC accepted as a payment toward the XXXX due date ). I did not get a late fee. I made a series of payments in XXXX that more than covered the XXXX payment ; in fact I made a payment on XXXX, very similar to what I did in XXXX. When I made a payment on XXXX ( after the XXXX duly date ), they did not not count it toward my XXXX payment. They applied a late fee which is basically penalizing me for pre-payment. XXXXMy minimum payment due by the way was {$25.00}. 

Notes ; Below are the payments I made. I deleted references to my checking acct ( also with PNC ) and my credit card. I can provide acct ref. if necessary ) : XXXX/XXXX/2016 Completed {$300.00} From : To : Interest Checking - PNC points XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$250.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$170.00} From : To : Interest Checking - PNC points XXXX -
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (ME)

I am seeking a Deed in Lieu of Foreclosure. I began the process in XXXX XXXX, and all documents were submitted and accepted by the mortgage servicer. In late XXXX XXXX I was informed the request had been conditionally approved. For the past five months I have received letters from the servicer stating they are actively working on my account and I should have answer within fifteen business days. The letters usually arrived every three or four weeks. I received a letter from the servicer dated XXXX XXXX, XXXX stating my request for a Deed in Lieu of Foreclosure resolution was denied. I believe the servicer unnecessarily delayed a final decision until after the Home Affordable Foreclosure alternatives ended XXXX XXXX, XXXX.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX, 2016 To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 
I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (IL)

XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with XXXX trans union and XXXX letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/2024 XXXX capital is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # XXXX
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (SC)

i have no authorized information that I used or allowed anyone to use to open this account the paperwork that you have is erroneous and currently i have pursued having these accounts investigated. this company swears that they have my information verified with me which they do not as I have not had any direct contact with this company about my personal information and the company has stated that they now will not have any communication with me to fix this issue but continues to report this account the the credit bureaus???
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (NC)

XXXX Company review In progres XXXX/XXXX/2016 XXXX CFPB review In progress XXXX/XXXX/2016 It has been almost 90 days and now they want another 60 days this shows what is happening with what has taken place in wellsfargo I am sending some of the letters they have sent me. This has also created multiple fee 's and added other charges and I still have to make pmnts if i dont then my credit reports gets terrible XXXX had stated for me to continue making pmnts yet my credit has already been affected negatively and I was not able to refi my home because of all this that has taken place. 
FINALLY, INVESTIGATION HAS BEEN DONE BY MULTIPLE PERSONS FROM TH E SAME XXXX EXECUTIVE OFFICE AND NOW THEY ADDED ANOTHER PERSONS HER NAME IS XXXX XXXX. VERY IMPORTANT IS THAT THE CARD ENDING ON XXXX WAS CLOSED XXXX 2016 AND THE USED THAT AS LOST OR STOLEN IN XXXX/XXXX/2016 ACCORDING TO THE BANK AND THAT WAS A LIE AND THEY CREATED THE ONE ENDING ON XXXX HOWEVER, IF YOU LOOK AT THE ACTIVITY ON THAT CARD TH E FIRST ONE TOOK PLACE 20 DAYS LATER ON XXXX/XXXX/2016. DOES NOT MAKE ANY SENSE.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have just successfully completed Chapter XXXX to save my home. The case was discharged XXXX 2016 with all payments made and a signed workout agreement in place with the mortgage company. I even received a refund from the Trustee. I made a payment in full of the amount due for the monthly payment on XXXX XXXX, 2016. On a statement dated XXXX XXXX, 2016, Wells Fargo stated " Your loan has been referred to foreclosure. The amount to bring the account current may vary daily ; prior to sending funds, call us for a reinstatement or payoff quote .... '' This statement shows a payment for the full monthly amount due was received on XXXX XXXX, 2016. The Trustee paid the XXXX payment. The XXXX XXXX payment I made was for XXXX. 

I called Wells Fargo at XXXX the number listed on the statement. I spoke with XXXX in XXXX XXXX. She said she could not access the loan and would transfer me. I then spoke with XXXX in XXXX. He said that he did not see any foreclosure notice on my account and that my payments appeared to be current. 

I asked him to provide that information to me in writing. He declined. He said he had to get his supervisor to do that. I then spoke with his supervisor, XXXX XXXX who told me he could not provide any written documentation to me and that he would transfer me again. He assured me that the person he was transferring me to COULD provide the written documentation I requested. 

I then spoke with a rude, argumentative person XXXX XXXX who refused to tell me what city she was in because " it is n't relevant '' and who then proceeded to badger me for calling and having the audacity to ask for " written documentation. '' As I explained for the FOURTH time, I had documentation ( via the Federal Court ) that I had paid up to date and all I wanted was a written statement that my account was up to date and perhaps a note that the " Your loan has been referred to foreclosure ... '' was a mistake. She then sniped that she would have to investigate and would open a case ; that she would absolutely not send me anything in writing and completely refused to tell me when I might ( no guarantee that it would ever happen ) receive the simple, one sentence letter that I requested confirming that " As of today, XXXX XXXX, 2016, we show your account is current and we do not show your account being referred for foreclosure. '' That 's all I wanted. 

And after XXXX people and 45 minutes on the phone, all I got was a rude person who is " going to open a case. ''
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

I can not get anyone to do their job at Freedom Mortgage so I am having the homeowner file this complaint on his own. XXXX XXXX is the homeowner and if this complaint is in the third person, it is because it is the same complaint I have tried to file on his behalf with no success, as Freedom Mortgage is seemingly above having to respond to complaints made against them with the the CFPB : XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He is actively seeking gainful employment and wants to save his home that he resides in, desperately. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Freedom Mortgage.
Consumer complaint received 2016-08-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrity Solution Services, Inc. (AZ)

Integrity Solution Services continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

Firstmark Services http : //firstmarkservices.com/ They received and deposited my check but continued to call 4 times a day for an additional 6 business days. They call 4 times at the same time of the day every 15 minutes. I called and ask they stop calling as my bank statement showed they deposited my check beyond a week prior and they said their system takes " 48 hours '' to remove myself from their call list. So even though they received my money, they continue to harass until their " system '' does some type of " update '' to remove me from the list. Not sure how it 's legal to receive and deposit $ but not have technology built in to notify their call system to stop calling. Is it legal to harass someone 4 times a day when the purpose for their call is no longer an issue? I have all the call logs and bank statements needed. There is no way to remove one self from their automated system. I did NOT ask XXXX Bank to sell my student loan for them. Had the loan since XX/XX/2008 - never had ONE issue until they sold it to Firstmark. They even backdated the payment due date which essentially required me to make a payment to XXXX and then 15 days later immediately to Firstmark. Not sure if I have any consumer protections at my behalf to help with this situation.
Consumer complaint received 2016-04-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I had a Short Sale which closed XXXX/XXXX/2011. There was as XXXX & XXXX mortgage. I paid the XXXX mortgage ( HELOC ) Charter one bank the whole time and never missed a payment. They agreed to settle the debt. They are reporting on my credit that it was delinquent and a Charge off. It should be reporting as Paid as agreed, never late and debt settled*** Not delinquent payments and a Charged off balance still reporting. I even have an email from them promising this would settle the debt to a XXXX balance.This is damaging my credit and causing me financial harm. I am trying to refinancing and can Not because of this.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WI)

I have disputed the XXXX account on my Experian Credit Report about 5 times now, going all the way back to XXXX XXXX. Experian keeps reporting this account as being paid off and closed On XXXX XXXX. That is incorrect information. This last dispute I even faxed them the original payment receipt from XXXX XXXX XXXX XXXX XXXX XXXX It says this account was settled and closed on XXXX XXXX, XXXX. I have been trying to get this fixed for just about a year now. I either want this account to reflect the correct information saying that this was settled and closed on XXXX, XXXX or DELETE it! The XXXX XXXX # is XXXX. Because this has been getting reported wrong or because Experian is updating the disputes wrong, it has caused me to have a higher interest rate on a motorcycle that I have recently financed. Also we are trying to buy a house and we are going to have to go with a loan that has a higher interest rate and also a loan that we will need to carry pmi insurance. This needs to get corrected ASAP.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (IL)

XXXX, as a part of it 's XXXX transition, is closing my XXXX account, which is fine. Unfortunately, my last statement has a due date of XXXX XXXX but when I attempted to use their mobile app to pay my bill ( as I 've always done ), I can no longer log in. Now trying from a computer, I can not use their online system ( computer or mobile ) to make a payment either. They have deactivated my account profile, blocking my ability to make an electronic payment as I always have in the past. 

I then attempted to pay by phone, but the phone system says this is no longer an option either. 

My paper statement says I can pay by computer or pay by phone, yet when I try either method, XXXX is not permitting me to continue. I would simply mail a check, but I happen to be out of checks. Because XXXX is blocking my account from phone/web payments, despite what their statement says, I now have to go through many steps to avoid being delinquent. 

This is a rough transition and I am likely not alone in this situation.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA") (CO)

My wife and I have been working with NACA ( Neighborhood Assistance Corporation of America ) to buy a home. I had quite a few issues with communication and our first housing coordinator. I requested a new one after being told that we going to underwriting and communication stopping. I climbed the ladder with phone calls and emails and after two weeks was assigned a new counselor. He pulled my work history, and more duplicates of financial documents that i have submitted multiple times, gave me a housing price and told me we were going underwriting. He has said he would call, which was last wednesday, and I have called multiple times to see if they need anything else and to see if we made it to underwriting. No one has returned my calls, or emails. The file does not have notes as everytime I talk to a customer services representative, they say their are no notes. I have submitted over XXXX types of financial documents and upset that I have been jumping thought hoops since XXXX, paid XXXX dollars in fees and have no answers
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Amsher Collection Services, Inc. (SC)

In XXXX XXXX, I disputed a XXXX Bill for payments made to the account that were not credited and for undefined charges designated as " other. '' I sent via fax proof that payment was made and that the balance XXXX claimed was due was incorrect. 
After many attempts to get XXXX to define the charges and correct the bill, my service was discontinued and I could not access my account in order to get bills and other information to dispute the charges, but do have several key bills that were disputed. 

I sent a Debt Verification Request that was never answered and offered to settle the account with the stipulation that there be no negative information be added to any credit report. 

On XXXX/XXXX/XXXX, I received a letter in the mail from " XXXX XXXX XXXX '' claiming to be collecting on behalf of XXXX. I assumed the payment would go to XXXX, but apparently it did not. 

I was not aware that XXXX sold the account without notice and while the amount owed was disputed before verifying the debt. I noticed on my credit report a new debt opened that I did not recognize named Amsher Collection Services. This is when I realized the payment I was led to think was going to XXXX, was in fact not. 

The amount reported to Amsher Collections was incorrect and over the disputed amount. 

I thought I was paying XXXX. The agreement was that all negative information be removed from all credit reporting agencies or any specialty credit/information agencies and it remains on my credit report. 

Apparently, there are others who have had similar experiences with both XXXX and Amsher.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am requesting that Bank of Mellon provide an EIN number so I may access their invester status on the XXXX ). Bank of Mellon is foreclosing on my home under the trust ( XXXX, XXXX, XXXX, XXXX XXXX ) established by XXXX. Bank of Mellon was found guilty of foreclosing properties under these established CWALT trusts without having the signed deeds or ownership to the properties XXXX I would like Bank of Mellon to provide a copy of the deed of the property located at XXXX XXXX XXXX, XXXX CA XXXX. I do not believe Bank of Mellon ( XXXX, XXXX XXXX ) is the deed holder or has the right to foreclose. I back this statement up with short sale closing instructions provided by their loan servicer XXXX. The pay off instructions clearly state to wire proceeds of the short sale to a third party ( XXXX XXXX XXXX ).
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened my first credit card about 6 years ago with Bank of America. I ended up closing my account 2 years after initially opening the account. There was a {$30.00} annual fee with this credit card. Those fees were paid in full with zero balance. Now, I am trying to refinance my house, and I have a {$18.00} balance that is long past due. I was never even notified about this past due balance. This is affecting my credit, and I need this {$18.00} balance removed immediately. I feel this balance is an error, but I am willing to pay the balance. I greatly appreciate any assistance.