davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

Dear Consumer Financial Protection Bureau, Wells Fargo Bank despite its {>= $1,000,000} settlement with you IS UP TO ITS OLD TRICKS with regards to MAXIMIZING OVERDRAFT FEES! 

In my case, Wells Fargo Bank is SNOWBALLING overdraft fees such that, for example, my {$25.00} check and my {$5.00} check are dishonored because of OVERDRAFT FEES! 

And now my checking account is MINUS because of OVERDRAFT FEES such that the entirety of my forthcoming SOCIAL SECURITY ADMINISTRATION bank deposit is at VERY CONSIDERABLE RISK! That is, Wells Fargo Bank shall be deducting the overdraft fees that put my checking account into negative territory!

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ THE RESULT : I SHALL BE GETTING LESS OF MY FORTHCOMING SOCIAL SECURITY ADMINISTRATION BANK DEPOSIT!

+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Preventing me from getting my entire said Social Security Administration deposit IS a very serious matter indeed! In fact, at least one FELONY if not more! Call it THEFT or what, it is an illegal, an impermissible, an unethical, a totally immoral taking of my Social Security moneys upon which my beloved and loving wife, best friend, and soulmate XXXX and our beloved and loving miniature XXXX XXXX XXXX XXXX VITALLY DEPEND! I need not tell you why, tell you the XXXX! 

Respectfully submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  until called home because of a family health catastrophe! So very sad! So immensely tragic! 
Adjunct Professor ( ret ), Business Law, Paralegal Studies, American Government Attorney-at-Law ( ret ), Constitutional Law, Criminal Law Administrative Law cc : Attorney-General XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of the Federal Reserve Comptroller of the Currency Securities and Exchange Commission Internal Revenue Service United States Postal Service for possible MAIL FRAUD Treasury XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX New Jersey Department of the Treasury XXXX XXXX XXXX United States Senate United States House of Representatives XXXX XXXX XXXX New Jersey XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Describe what happened so we can understand the issue ... 
This is my SECOND complain about Bank of America. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Bank of America. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled " WHEN THE LOAN-TO-VALUE RATIO REACHES XXXX % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that XXXX % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Bank of America and their employers who stilling money from hard working people. I will never stop complaining until bank of America return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Bank Of America abused their power and stilling money from people. And after that I will take my mortgaged to a different bank.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB (TX)

In XXXX 2015, we switched our vehicle insurance to State Farm. I received a phone call from a gentlemen named XXXX a agent, Asking me if I wanted to save money on out auto loan and he could get us a lower rate interest and our auto payment would be lower. We made appointment and I went to speak to him at the branch that week. He quoted me some quotes and I decided to transfer my loan with them, to save money. He set up everything including auto pay, because he said that this would be the only way the bank would approve it, so he did. My first payment was until XXXX. I went back into the branch before XXXX to get a quote for my truck loan and he sold me. I switch over my loan with State Farm. He told me right there in from of everything was set up, including auto pay.Just like he did the car loan. Life went on and on XXXX XXXX, I called XXXX the agent to ask him if the car and insurance went through. He said yes, at the same time I asked him should i call you on XX/XX/XXXX to make sure you get the truck payment. He replied no because everything looked good and the other two payments had gone through. Life went on, I later received a letter for the truck loan, it had n't been paid. I called him, he said he would look into it and I called him everyday about 3 times a day for the next 5 days. He was n't there and finally, i spoke to him and ask him what happened, he said he fixed everything, I told him are you sure, I do n't want this to hit my credit report. He no it wont, just call them and make the payment. I went back to the branch on my day off and XXXX was no longer working there. I went ahead and explained my issue with XXXX. She told me XXXX no longer worked there for this mistakes and he was getting customers upset. She looked through my file and noticed he did n't fill out the paper work correctly and did n't set the auto pay as well. She went ahead and fixed the papers, set the auto payment and the back took my payments for XX/XX/XXXX and XX/XX/XXXX. I told her but what about my credit report? She replied NO it should be good and I will fill out this dispute letter and they should be able to take it off. Well it never happened and this unacceptable. I'am trying to close on a house and I cant because they have n't dropped this case on my report. I will living in the streets with my XXXX mother and father. I called and they give me the run around they cant do anything about it. They are responsible for this, for not setting up my account correctly and now am being punished for it. I need to get this removed from my credit report before, i loose everything, my home am trying to purchase and my home am renting. I'am really upset, I would n't be in this situation if XXXX and XXXX would of fixed it 2 months ago. XXXX admitted of getting the dispute document faxed to her, but it was never filled out and send back. They need to take responsibilty and correct this.
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company (WY)

I assumed this loan after a divorce. NO ONE disclosed that I would no longer have access to my online account. There was an issue with the escrow and my escrow account was in a negative balance at the time of closing. I have been waiting on a refund check from a home owners insurance policy and I can't access any of my information. I received emails to sign up for paperless statements although I was informed by three different freedom mortgage representatives that anyone who assumes a loan will no longer have online access to their accounts. Freedom Mortgage is the WORST company I have ever worked with and I have purchased and sold several homes. I would not recommend this company to ANYONE.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank closed a total of XXXX accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the Lowes Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my Lowes Account, Synchrony also closed the following accounts : Sams Club - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a mortgage from Amerisave and ran into a number of problems : ( 1 ) Twice I was asked to sign documents Amerisave representatives had filled out with incorrect information. They were initially dismissive of my objections, until I flat out refused. 
( 2 ) It took 16 days after the appraiser 's visit, and several " nudges '' from me, for them to get the appraisal back from the appraiser they chose. No wonder they closed a week after the 45-day rate lock expired. 
( 3 ) Amerisave promised in an email that if I paid the {$20.00} wire transfer fee the funds would arrive in my account the day the loan was funded ( and I began being charged interest ). I agreed to the wire transfer and was charged the {$20.00}, but the wire transfer was a day late. I requested a refund and an apology. In response, I got a coupon for a discount on another mortgage. I would still like the refund and apology for all the hassles. They chose the title company, so have full responsibility. 

Anyone considering applying for a loan through Amerisave should be forewarned that they are very disorganized. I was bombarded with numerous irrelevant emails and phone calls. I dealt with four different Amerisave employees, who often did n't seem to know what was going on.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I SENT A LETTTER ON XX/XX/year> ASKING FOR VERIFICATION OF DEBT THE LETTER SENT IN THE MAIL IS NOT VALIDATING THE DEBT & IT SHOULD BE REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

My new car ( less than XXXX car payments were made ) was deemed un-repairable due to damages it sustained in XXXX XXXX. It is financed through Well Fargo Dealer Services. My insurance company is handling the claim and waiting on them to issue the Letter of Guarantee since XXXX/XXXX/16 so they can issue them payment. The collections guy, XXXX, was screaming at me when I tried to explain this. He said I was " changing the subject '' and that I should n't be avoiding paying my bills. I said I was n't, that it will be paid in full once they release the document to my insurance company. He then continued to yell and talk over me and scream at me that I should n't be getting a new car until this XXXX is dealt with. My insurance company has been trying to pay them since XXXX/XXXX/16, 5 days after it was totaled. But Wells Fargo is holding up the process. XXXX was so nasty saying things like, " Does n't your insurance company give you a rental? ", etc. This may be true but it is none of his concern. I had to hang up on him as he would n't let me speak and when he would he 'd scream at me and all I wanted to do was advise him that payment is pending if they release the letter of guarantee.
Consumer complaint received 2024-09-19
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: CITIBANK, N.A. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (VA)

Direct Fedloan Servicing reported my loan 60 days past due in XX/XX/2014 in error. I have XXXX loans with them and all have either been in XXXX or on a direct debit. I was unaware they had negative reported me to the credit bureaus until recently. I disputed the negative reporting with the bureaus and it was declined. I called Fedloan servicing and was told that placed XXXX of my loans in forbarnace but not the XXXX. They stated regardless of the error it my responsibility to know that. I asked for a record of the billing statements or communications that would have alerted me that they failed to place the XXXX loan in forbarnce. They could not provide me those details and stated that even if they did n't send a statement, bill notification or acknowledgement that it was still my responsibility to know and thus they are not in error. How am I suppose to know that if they did n't tell me? In addition it 's their error in not placing the XXXX Loan in forbearance. They also stated they have records of my calling in an also applying for economic hardship forebarences, which were applied to the first XXXX but not the third. At no time during these call did any XXXX tell me I was behind. They stated they sent emails to alert me. I received no such emails, never agreed to email communication and every other communication they had sent me was in letter format and by mail. They failed to properly apply the requested forbarance and to all notify me of my balances afterwards
Consumer complaint received 2024-09-18
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: ENCORE CAPITAL GROUP INC. (TX)

I am filing a formal complaint regarding an ongoing collection attempt by Midland Credit Management for a debt that was sold to them by XXXXXXXX XXXX  and XXXX XXXX Bank. This debt was paid off and forgiven by [ Previous Company ], yet the second agency continues to pursue me for payment. Enclosed is my documentation, including proof of the original settlement and a cease and desist letter I have sent to the second agency. 

I request that you investigate this matter and take appropriate action to have this debt removed from my records. 

Thank you for your attention to this issue.
Consumer complaint received 2018-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Calls everyday in excess of 10 times starting at XXXX XXXX until XXXX XXXX. Calls from different numbers, as well as blocked and unknown numbers. They also send texts to my phone once or twice a week. This company only has one number on file for me, but they have called my parents house ( who I do not live with ), and have on at least one occasion called my brothers cell phone ( whose number I dont even have ). They have left rambling messages in broken English and mumbling about vague legal, or police actions actions against me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (GA)

In reviewing my credit report, I have identified the following items that are inaccurate SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX. 
XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for their reporting. Please eliminate any information that the creditor is unable to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As mandated by the act, there should be no fee for this updated report.
Consumer complaint received 2024-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (OH)

I received a lawsuit on XX/XX/year>2024. I reached out to the attorney to try and resolve the matter. On XX/XX/year>2024 I was told that they would only accept the full amount due plus interest and an agreed judgment. I offered to pay the total amount due with interest at the Ohio legal rate of 8 % with payments each month and they needed to dismiss the lawsuit and I would sign a settlement agreement with them. The attorney told me that they had rejected my offer and there was no counter offer. This seems to me that they are not negotiationing in good faith and they have refused to accept the full amount due plus interest. They are trying to charge 23.8 % which is above the usury rate in Ohio, which is 8 %.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (WI)

I submitted a letters asking for a complete investigation into the accounts on my credit profile. I am a victim of Identity theft. I have sent my Identity theft report and affidavit in several times and the credit bureaus are not following the law. The accounts were placed on my account fraudulent, I also asked for an update of my personal information due to fraudulent information making it hard for me to pass identity questionnaires. 

I submitted 15.US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information.as well as a debt validation which included ; explanation of account A copy of state license, license # Documentation stating I agreed to pay this debt with my signature and documentation stating I gave permission to use my information.

Original Promissory Note ChIn of custody for account Master bill of sale
Consumer complaint received 2024-09-18
Product: Mortgage — VA 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: Shellpoint Partners, LLC (AZ)

1. Company to provide documentation as to why my VA Covid 19 Forbearance was not extended through XX/XX/XXXX. Per VA Circular XXXX  dated XXXX XXXX, VA extended the XXXX XXXX XXXX XXXXbearance date through XXXX XXXX. Shellpoint 's action NOT to properly categorize my forbearance from XX/XX/XXXX through XX/XX/XXXX is in direct violation of the extension granted by the VA. Shellpoint 's response to my first CFPB complaint stated clearly I should have had my VA Covid 19 Forbearance extended through the end of XX/XX/XXXX. 
2. Company to provide documentation as to how their failure to properly code my forbearance impacted my ability to utilize the VA Covid 19 Waterfall. Would the VA Disaster Extend Modification have provided better terms than the Traditional Modification I was approved for? 
3. Company to provide documentation the VA Deferment option was no longer available as of XXXX of XXXX, as stated in their most recent response. VA Circular XXXX from XXXX of XXXX had it as part of the VA Covid 19 Waterfall and no subsequent Circular that year showed the Deferral Option was no longer available. In XXXX of XXXX VA XXXX XXXX notified servicers of the intent to Update Certain Home Retention Options. 
4. Company to document why they did not give me the Deferment Option when my Loss Mitigation workout was still in process in XXXX of XXXX when VA XXXX XXXX was issued, confirming the VA Covid 19 Waterfall, inclusive of the Disaster Modification and Deferment. 

I believe Shellpoint failed to update their process in regards to VA Covid 19 Forbearance being extended through the end of XXXX, resulting in my forbearance, and possibly many other Veterans, being placed in the wrong forbearance bucket. This meant my Loss Mitigation treatment, and possibly many other Veterans, was done incorrectly as well. I want Shellpoint to document in writing why I was not provided the correct VA Covid 19 Forbearance Waterfall treatment and how they plan to correct what I believe is a process failure on their part.
Consumer complaint received 2024-09-20
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: CL Holdings LLC (AL)

" I have been requesting proof of validation of the debt from XXXX and the debt collector for several months now, yet they continue to label it as 'verified ' without providing any substantiating evidence. Despite reaching out to an XXXX XXXX via email, my requests have been ignored. I want both parties to be held accountable and compensated according to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for their noncompliance