davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NC)

My wife and I were in the process of purchasing a home. Due to construction issues the seller ( builder ) was willing to remove {$2000.00} from the price of the home. When we contacted the bank we were led to believe that it was not possible to reduce the selling price even though buyers and sellers agreed. Wells Fargo claimed that there was not enough time to perform an inspection and still close on the house in the vicinity of the original closing date. After agreeing to settle the matter in a different way, without reducing the sell price, or involving the bank, a final inspection of the home was completed at the request of the bank for another reason between the time we spoke to the bank about adjusting the sell price and the closing date. This proved to us an inspection could be done in the original time we requested. We were forced to accept a less advantageous arrangement to exchange the {$2000.00} with the seller. 
Also, throughout the process, Wells Fargo produced multiple closing disclosure forms and were sending revisions multiple times a day, all with different amounts. When my wife and I showed up to the closing we were informed, with half an hour prior to our banks closing time, that we owed an additional {$2000.00}. Neither the Wells Fargo nor the attorney took the time to assure that we, the customers, were aware of yet another revision to the closing disclosure and that the amount required for us to complete the transaction was correct. 
Overall Wells Fargo did not appear knowledgeable of the process, made too many revisions and mistakes to the closing disclosure document, under-communicated changes when they were made, and took on an air of superiority instead of service to us, the purchasers of the loan, who are supposedly the customer in the transaction.
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I made an online purchase using my debit card on XXXX XXXX 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a {$10.00} credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order I did get and get a refund for the entire order, or dispute any incomplete refund from there. This does not make sense. I feel the bank has an obligation to investigate.
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I had made arrangement with bank of America to take the XXXX out of my account for over draft fees and to close my account out. when I got paid on XXXX/XXXX/16 I noticed that my whole paycheck is taken from the bank. I also contact my HR department on my job to let them know not put money into my account. so they decided to put money into my account after I told them that it was close due to fraud. when I got paid that 's when bank took my whole check and not the XXXX. I also called them before XXXX and after XXXX explaining what they was suppose to be doing and they kept getting me run round about my pay check.
Consumer complaint received 2016-01-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Scott Lowery Law Office, P.C. (CO)

DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER. 

MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF. 
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY. 

I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME. 
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY. 

THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT. 

I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF. 

I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY. 

TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME. 
THEY ONLY REPRESENT THE MEN IN SUITS. 

I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT. 

TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS. 

I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL. 

I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO. 

XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE. 

I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (CA)

I have owned a property in Hawaii for quite sometime and have always had full hazard insurance on it. Last year I got a letter from XXXX XXXX XXXX saying I needed to add Hurricane insurance on the property. I do mortgage loans and know that most banks do n't require hurricane insurance. I was forced to buy it from a company called XXXX said they would put expensive insurance on it. XXXX then sold the loan to greentree and then it went to ditech. I called ditech to get out of the added insurance but they said it was wind and hail insurance. There 's no Hail in XXXX. A woman named XXXX in their insurance department said it was ditech 's policy. 
I do n't think the bank that purchased my loan should be able change the contract and add an additional insurance cost as a requirement. Some banks for years have been trying to say that it 's a state requirement to have hurricane insurance in XXXX. It 's not - it 's a racquet.
Consumer complaint received 2016-01-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (WI)

Lowes Credit Center keeps calling our business & hanging up. We have told them about 13 times already to remove our phone number out the list & that whoever they 're trying to contact to use their personal phone & our staff ca n't recieve personal calls. They are disruptive to our business. They say they remove our number but we still get the daily all day hang up calls. By the way they also violated privacy of the person they were really calling by telling me the name & reason for their call.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

Ocwen loan servicing did not response to my qualified written request for verification of debt over the past year or so I sent countless letters asking for proof of Debt that I indeed Ocwen and should be paying Ocwen loan I loan was with XXXX then Litton loan in XXXX the loan was paid as agreed and then Ocwen out of the blue sent a coupon statement asking me to start paying them. I never got and letter stating the transfer or what happen to my last lender. I ask Ocwen to provide proof of debt and if they did n't have proof to cease collection but if Ocwen had proof I would continue to pay. On XXXX/XXXX/XXXX Ocwen sent me a letter stating they would opt to stop collecting instead of showing me proof. XXXX XXXX I sent another letter asking them to stop reporting to the credit angency Ocwen removed the loan from Transunion but reported to XXXX and XXXX that forclouse processing have started Ocwen is not the note holder and has no right to collect. They also never respond to my letters. They have no legel right to forclouse on my property the loan was already paid as agreed
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I am writing to the CFPB with the hope something could be done to persuade Bank of America to consider our claim of fraud and reimburse us the money that was stolen from us. XXXX fraudulent checks were written on a Bank of America checking account that my twin sister and I share jointly. We are the only ones that have access to this account and share XXXX checkbook. This account had an average of XXXX checks written on it per month totaling to an amount of a XXXX dollars. For XXXX consecutive days in XXXX 2015, XXXX separate fraudulent checks withdrew large amounts of money out of this checking account totaling {$6600.00}! We were never alerted to this activity and it was not noticed until XXXX XXXX, 2015 when I was reviewing our transactions. I immediately contacted the Fraud Dept for Bank of America and was reassured that once fraud was proven we would be reimbursed what was taken. Apparently, that was not true as our claim was denied because the fraud was not brought to the bank 's attention within 60 days of the incident. The bank does not claim any responsibility for noticing this unusual and criminal behavior. We were told that it was entirely the customer 's responsibility to be diligently aware of what was happening with their account. And usually I was very diligent in that regard. I would look over our transactions on a monthly basis for budget purposes. The 60 days following the fraud were the busiest 60 days of our lives. We were making a major life change at that time. We sold a house, we bought a house, we moved to a new city, we were working at a new job, and we were also taking care of our elderly mother. My usual practice of reviewing our bank account was delayed. The Fraud Dept ask me to write a letter explaining our circumstances and maybe an exception will be given to us. I have initiated XXXX requests for the agent to contact me, but have yet to hear from him. Bank of America advertises to its customers that they are on the look out for suspicious activity that may be fraudulent and that we need to keep contact information updated in order for them to let us know. Why are then we held responsible? We are devastated by this financial loss and the complete lack of support from our bank. Please help us if you can. Thank you.
Consumer complaint received 2015-07-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (CA)

I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Dear CFPB, I am writing to formally dispute the inaccurate information being reported by XXXX XXXX XXXX regarding my auto loan account. According to XXXX XXXX, my account is being reported as open, past due, and with late payments. This has affected my credit and bringing my score down XXXX points when XXXX reported on XX/XX/XXXX my account was negative outstanding balance and still open. However, I paid off this loan in full on XX/XX/year>. When I contacted XXXX on XX/XX/year> making them aware of this error. I was told it takes XXXX weeks from the date it was paid XX/XX/year> to receive a letter stating that it was closed. No letter has been received and the account is still reflecting negatively on all three credit bureau reports. I have attached documentation showing the final payment made and confirmation from XXXX XXXX XXXX that the loan was settled in full on that date. 
Despite this, they continue to report the account inaccurately, which is affecting my credit standing. I request your assistance in resolving this issue and having the incorrect information removed or corrected on my credit report. Thank you for your attention to this matter. I look forward to your response and a swift resolution. 
Sincerely, XXXX XXXX XXXX financial services account number XXXX
Consumer complaint received 2016-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (PA)

My daughter is not able to pay on loans that Discover claims that we ( my husband and I ) cosigned with XXXX and were then purchased by Discover. I have contacted XXXX, and they can not help me other than to state that it was once very easy for the student to respond to an email and you were then the cosigner, but steps have been taken in the past five or more years to ensure that the cosigner does know and is willingly cosigning. There is no evidence of our signatures on any documentation, only the printed words " electronically signed ''. 

My daughter defaulted on XXXX loans for which my husband is listed as the cosigner, which is ruining his credit, and we were never notified. We found out after it was already in default because of a credit check. Discover claims that they did not have to notify him because telling the cosigner is " only a courtesy '' and they are not required to do so. 

My daughter admits that she just responded to an email that listed us as the cosigner but did n't realize that she was doing anything wrong because she was following XXXX 's instruction. She does not make enough money to pay back her loans and still survive ( XXXX a month payments on XXXX loans ) and Discover does not consolidate. She tried to consolidate them through a bank but because of the default no one will help her and every time a bank runs an inquiry her score drops even further. 

No one will help us. I 'm being forced to make the payments on the XXXX loans where I am listed as cosigner just to keep decent credit. Discover has a policy that if six payments are made on time that the cosigner can be released, but only if the student has good credit, and that is likely not going to happen quickly. No one at Discover will even talk to my husband about the XXXX loans that defaulted. They can ruin his credit but not talk to him. It 's ridiculous.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I take 0 % interest cash advances on my Bank of America credit card ( paying the one-time fees ). Usually I have more than XXXX borrowing tranche outstanding, each with its own expiration date for the 0 % interest rate. Some time ago the section of the monthly statement titled " Interest Charge Calculation started showing a zero in the column headed " Balance Subject to Interest Rate '' for each XXXX, making it impossible to verify the amount that will need to be paid off at the 0 % expiration rate without calling the bank. This information used to be furnished on the statement. I will attach a PDF of my statement so you can see that this information is in a table that logically could and should include the balances of each tranche. I pay attention and do the phone call, but I 'm concerned that this information should be there for others and I certainly would prefer not having to call the bank for information they should be furnishing on the statement.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (UT)

The CFPB and XXXX States, including mine ( Utah ), brought an action against OCWEN and got OCWEN to agree ( XXXX XXXX ) to their {$2.00} XXXX penalty settlement, and their written promise to not perpetuate any court action against any home in which they had filed falsified ( robo-signed ) titles with the county recorders and the courts. OCWEN identified me and my home as one of the victims of their illegal action and paid me {$1100.00} in XXXX XXXX. In spite of that payment and their promises contained in their settlement, OCWEN hired their XXXX attorney in XX/XX/XXXX who perpetuated their fraud before both the local state district court and the federal court in Utah, and finally got me evicted from my home this past XXXX. This after me on my own legally battling them since XXXX XXXX against their illegal acts. They are now getting ready to perpetuate some more their crime against me and my home ( that sits deteriorating and vacant with their lock on it ) in the Utah XXXX XXXX XXXX - that is if they can find a lawyer stupid or crooked enough to take them on as a client ( they have gone thru XXXX lawyers so far ). What can the CFPB do to help me to enforce the settlement agreement that OCWEN is actively violating against me? The past XXXX Attorney Generals in Utah ( XXXX of which are currently awaiting trials for felony criminal charges themselves ) have denied in writing all my multiple requests to even investigate OCWEN, let alone prosecute them for their past, current and active felonies - felonies that stand as un-refutted in the record of my state court action. It appears OCWEN only got this far in their action against my house because of judges who do n't do their duty and ignore the evidence.
Consumer complaint received 2016-01-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit, Inc (KY)

On my credit reports with XXXX, XXXX, and XXXX is a repossession from Volkswagen Credit , Inc. with a deficiency balance of {$2000.00}. 

I previously disputed this account information in XXXX 2015 with all XXXX credit reporting agencies and Volkswagen Credit , Inc. verified the accuracy of the account with all XXXX credit reporting agencies. 

I then sent letters directly to Volkswagen Credit , Inc. to attempt to resolve this matter. It should be noted that each credit bureau lists a different contact address for Volkswagen Credit , Inc. which obviously complicates the resolution process. Of the XXXX letters sent, XXXX was returned to me by the USPS as an invalid address ( which is a violation of the FCRA for a creditor to fail to provide proper contact information in a credit report ) and the other XXXX letters were ignored. These letters were sent Certified Mail, Return Receipt and I received confirmation of delivery for the ones delivered. 

A subsequent follow-up letter was also ignored. 

On XXXX XXXX, 2015 I sent Volkswagen Credit , Inc. another letter, to their Collections/Recovery/Credit Reporting department in XXXX, XXXX. In that letter, I reminded them of their obligations : Under the laws of the State of XXXX, the Uniform Commercial Code, and State RISA and MVISA statutes : A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested such documentation be provided within 14 days, as is my right. 

As no such documentation was received by me within the allowed time-frame, the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CapitalOne has sent me numerous " Pre-approval '' offers. The letter reads in bold that I am " pre-approved for this offer with no annual fee and our lowest intro APR. '' But further down on the back of an accompanying sheet of paper, it explains that a Pre-approved credit card offer is sent to a " well-qualified group of people. Being pre-approved means you meet out initial criteria '' It seems to me that this is " Pre-screened '' not " Pre-approved ''