davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CT)

I have been attempting to short sell my property located @ XXXX XXXX XXXX XXXX, CT XXXX since XX/XX/XXXX In that period of time, we received an offer on XX/XX/XXXX that was terminated on XX/XX/XXXX by the buyer. Then we received a second offer on XX/XX/XXXX that was terminated on XX/XX/XXXX, and the last offer was received on XX/XX/XXXX and both the buyer and sellers are still waiting for a response from US BANK. Throughout this lengthy and stressful process, my REALTOR, XXXX XXXX was promptly and diligently communicating with XXXX XXXX XXXX from US BANK institution but XXXX XXXX stopped communicating on or around XX/XX/XXXXof this year. At one point, I was offered a loan modification while US BANK was aware of my intentions to sell, not modify. I am requesting that my file gets reviewed as I feel that US BANK failed to communicate with me in a timely fashion of any decision. Also, I only received a copy of one appraisal when in fact, the house has been appraised at least 3 times during this process. I need a copy of all the appraisals. On a curious note, 2 out of the 3 offers that we have presented to US BANK are for more than what the property was appraised. Also, I need to know why the offers on the property have been rejected or not even been looked at.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX / XXXX /   17  Hi, my name is  XXXX   XXXX . My Capital one 360 checking account has failed to send  XXXX   ( App )  my updated copy of my bank statement. I am not able to recieve funds from the app without it being updated.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union was contacted by me on XX/XX/2017 regarding unauthorized inquires on my credit report which they are reporting to potential creditors, I informed them that I ha already spoken with the companies whom the inquires came from and each company state that they have already been in contact with Trans union to have their inquiry deleted. When I contacted Trans Union today they informed that it is not there responsibility to verify that the inquires are accurate and that they did receive information from the creditor to delete the inquires from my credit report they were not going to do it.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (FL)

On XX/XX/XXXX I called 21st Mortgage Corp. to see if my check # XXXX {$390.00} was received for my XX/XX/XXXX mortgage payment which I sent onXX/XX/XXXX with first class stamp in their envelope and payment stub. I was told to wait a few days to see if it showed up. I was then called by the person I spoke with ( XXXX XXXX ext. XXXX ). that my check was not received and that I could either make a payment over the phone or wait. This has happened two times previous that my checks were not received and my account was delinquent which affected my credit. I made the payment over the phone and stated that if check showed up to contact me and or return the check. Neither occurred, on XX/XX/XXXX I noticed a second withdrawal from my bank account. I called the person to ask why the check was deposited and he said he had no control over this situation. I am on a fixed income and had to make arrangements to recoup from the additional costs As stated before this is the third time this has occurred, and it should be addressed.
Consumer complaint received 2017-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo appears to have been reporting timely payments on my student loan as delinquent. It is unclear when they began doing this. They provided me a series of cryptic letters about a mistake in my account. It took me a significant amount of time and trouble to get WF to admit finally that it had been reporting the loan incorrectly. It also appears that WF assessed late fees. It also appears that WF deleted documentation relating to my credit history.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The investor on my mortgage has been identified as XXXX XXXX XXXX XXXX see attached. Capital One purchased the corporate rights to XXXX XXXX XXXX, so they would effectively be the investor / owner. Capital One has denied ownership or any claim to the mortgage debt. Per CFPB rules and regulations, there must be transparency on all aspects of mortgage servicing and investor relations.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Since XXXX of this year I have made multiple attempts to have the account status corrected on my credit report. I received a confirmation letter from the creditor that they have updated the credit bureaus and yet the information continues to appear on my report. Specifically account status reports 30 days late. I have never been late.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I issued a cashier 's check from my online checking account at Capital One in order to make a payment to a title loan company. This check was sent through overnight mail from Capital One to XXXX, Idaho. The title loan company deposited this check into their XXXX XXXX account but Capital One issued a stop payment. When I was notified of this by the title loan company, I called Capital One and they confirmed they stopped payment due to what they claim was a " red flag '' by their fraud department. They told me to issue a new cashier 's check and refunded the total amount of my original payment so I could do this. I did issue a new cashier 's check. However, Capital One then proceeded to take that money out of my account, after first refunding it. This caused me to have double the amount of the original cashier 's check ( plus {$20.00} in overnight fees ) outstanding. And I have no access to the original amount anymore due to the bank withholding the monies until they " see the check. '' I emailed them the XXXX XXXX PDF of the check and the stop payment notification to the title loan company. They still wo n't give me back my money, even though they stopped payment, they issued the original check, and they have all this in their own records. I need my money back as soon as possible. They claim they need me to fill out an affidavit, which I refuse to do as this implied " lost, stolen '' checks. This is not the case. It 's an issue of Capital One not allowing me to write checks against my own checking account balance.
Consumer complaint received 2017-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello CFPB, I have an auto loan with Citizens One Auto Finance with the last payment remaining. My complaint is that the final payment can not be made online as all previous payments have been made and must be mailed or submitted ( for a {$12.00} fee ) via their automated phone system. The payoff amount provided via the phone system increments by $ XXXX/day, so sending a check via regular mail does not seem an ideal option as customers may be subject to a late penalty. Furthermore, the final payoff notice did not include a payment envelope addressed to Citizens like the other 59 mailings we received through the life of the loan - this appears to be an extra measure taken to collect fee revenue. <P/>To resolve the situation I contacted their customer service department at XXXX at approximately XXXX XXXX ET and was not provided an option to make a payment free of charge. I believe these conversations are recorded, so I encourage the Citizens One tem to review the recording. [ PERSONAL INFO - XXXX XXXX, Loan Number XXXX ] This practice seems to be deceptive and unfair and could yeild an undue profit for Citizens in aggregate at the expense of their customers. <P/>Thank you for your assistance.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (KS)

My mortgage has been sold to Ditech from  XXXX   XXXX   XXXX . I had started the modification process with  XXXX   XXXX   XXXX  because I had major  XXXX  in   XX/XX/XXXX .  All documents included but not limited to  FMLA  medical records and the loan modification paperwork including pay stubs bank statements etc were completed and faxed to  XXXX   XXXX   XXXX . In  XX/XX/XXXX   XXXX   XXXX   XXXX  sold my mortgage to Ditech. I am making regular monthly payments but remain 3 months behind.  XXXX   XXXX   XXXX  DID NOT FORWARD any paperwork pertaining to the modification to Ditech. Ditech has now taken the position that they want to begin legal process.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX/XXXX/XXXX, i sent a letter to Transunion for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo had a promotion stating you will receive a {$250.00} bonus if you open a checking account before XXXX XXXX. I opened a checking account online on XXXX XXXX, one day prior to deadline. The same day I received a welcome email indicating I would receive the bonus. Wells Fargo refuses to issue bonus even though I met the terms claiming I did not open account in time. This is false as I opened on XXXX XXXX. Please see attached documentation from Wells Fargo in email showing I opened my account before the deadline. I funded the account with {$50.00} which is twice as much as required. I ask that Wells Fargo issue bonus as promised otherwise they are falsely advertising. I have contact Wells Fargo on XXXX and they refuse to do anything claiming I did not open account in time. My account was opened before the deadline.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AL)

I paid off the balance to National Credit Systems. When the item was placed on my credit in 2016, I was not aware of this debt or this collection agency. I told them this was unfair because I had not been contacted by them or even been given a chance to correct the issues before being put on my credit report. XXXX, the company representative stated that it would be removed from my report when paid in full. I paid the balance in full. However, it is still on my credit reports - all 3 bureaus.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to DATA BREACH AND XXXX XXXX debt bondage, which falls under the law 15 USC 1681c-2 ( a ). '' and trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of data breach and human trafficking of Debt bondage and would like for all listed accounts and inquiries to de delete with company information XXXX, Equitax, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. 
The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (CA)

I had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted this complaint multiple times and will continue to do so until resolved by you and them. The account is joint with my husband and hence we SHOULD reflect the same information on ALL credit bureaus reporting agencies and both of our accounts. The issue remains that XXXX was required to close the account due to the LAW and noted it was closed by us because THEY had a security hold on the item we borrowed against. That precluded our gaining a mortgage acceptance along with the incorrect credit reporting severely handicapped our ability to refinance our debts. We remain with very low FICA scores.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX XXXX  ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX with a balance of $ ( XXXX  ) that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

In XXXX 2017 Wells Fargo Bank changed the checking account type that I have and purposely picked an account that has requirements they knew my account would not meet. Until the end of XXXX I had an Advantage Business Package Checking which did n't have fees provided I made a transfer of at least $ XXXX/month to a Savings Account for my business. Starting XXXX XXXX, 2017 my checking account was changed to the Wells Fargo Business Choice Checking account with a $ XXXX/month fee. My account met all the requirements to be moved to the Wells Fargo Simple Business Checking account but they chose instead an account that has more features than I need and also has a higher fee threshold. <P/>I did not notice I was being assessed a $ XXXX/month fee until XXXX 2017 when my account numbers were stolen by a hacker via Wells Fargo Online Banking. I was reviewing charges to determine which checks had cleared and I noticed the fees. I went into Store XXXX on XXXX XXXX, 2017 and met with XXXX XXXX XXXX and the Branch Manager XXXX to process the Lost/Stolen Account paperwork. Before we started processing the paperwork I notified XXXX that WFB had changed my account into a type of account I did n't need, want, or request and that I want a simpler checking account. I also asked for the fees to be waived and she said she would take care of it. She then processed the account transfer into the Business Choice Checking account which I did not want and also did not waive the fees before closing the Lost/Stolen Account. After all the paperwork was signed I noticed the fees had not been reversed and asked XXXX to do it, but she had already left for the day. XXXX the store manager said she could n't process a fee waiver on a closed account. I then called WFB Customer Service and they also said they could n't process a fee waiver. <P/>This is yet another example of how WFB slams fees on their customers and then comes up with excuses why they ca n't reverse the fees or make the situation right.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XXXX XXXX, 2017, Bank of America ( BOA ) automatically charged our credit card account for a credit card payment of {$1600.00} AFTER we paid manually online -- billing us twice. We had made a request for automatic payment a year earlier, and it failed due to an issue with our other bank, and thus we did not have automatic payment set up. <P/>We complained, and the second charge was refunded on XXXX XXXX, 2017. BOA told us that for some reason, the automatic payment process had suddenly activated, thus generating the double billing. BOA claimed that the error with automatic billing was solved. <P/>When we later reviewed our statement, we saw that the amount appeared once again as a charge on XXXX XXXX, 2017. In a call on XXXX XXXX, 2017, XXXX from the Virginia office said that BOA had decided to apply the refunded amount to our current balance when it was originally refunded. They also refunded our other bank account separately. Thus they claim they paid us twice, and had to debit our account once again for {$1600.00} to account for the fact that they had used that amount to pay the past balance. <P/>The amount also improperly generated interest on the account. <P/>The misapplication of the refund to our current balance is a Books and Records violation, as is the failure to have a control in place for double-charging. BOA claimed that they have such a control, and that they " automatically '' refunded the discrepancy, but that did n't occur until we made a complaint and compelled them to acknowledge and correct the error. These lack of controls also allowed interest to be generated on the account during that period. <P/>It is not clear how they improperly activated automatic payment in the first place, and XXXX from the Virginia office refused to address that issue in the XX/XX/XXXX call, saying, " well, however it was done, whether we did it, or you did it, that 's what happened. '' This is after the previous call when another service representative acknowledged BOA had made an error and claimed that they had fixed it.
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (VT)

I closed a credit card account with Barclays in XX/XX/XXXX and paid off all amounts owed. In XX/XX/XXXX, I received a bill for a new charge on the closed account. I have called to dispute it multiple times. They keep pushing me to their fraud department and there has been no resolution in spite of my monthly calls. To make it worse, they are trying to collect late charges and interest from me ( which keep growing ), on a closed account, for a charge that I did n't initiate. I have spent hours on the phone with them.
Consumer complaint received 2024-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

I was in a chapter XXXX and my mortgage was brought current. The Judge deemed my mortgage current. The mortgage company keeps sending people to my home and charging me for it. I have not missed a payment and they keep charging me additional monies. I am XXXX and hey are scaring me. The chapter XXXX said my account was current and I have been making every payment on time. They are charging me for payments that were paid in my XXXX. I am having to call them every week, I have been in tears and calling everyone I can but they keep harassing me till I had to pay the moneies that the Trustee already paid them. We are so scared that they are trying to take our home. they have a balloon from the real estate crash on the back of our mortgage.How do I get this situation resolved? I am XXXX and they are harassing us for monies not owed.