davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The reason for my complaint is a couple years back I had XXXX bank accounts never bounce a check went over draft or anything I lost my job and applied for a XXXX job for some income until I get a real job so I was told to cash the check they sent me and do Wat I was told like shop at a store and give feedback. I did so but just XXXX the process I found out that it was a scam. I called my bank to advise them of the situation and I was told I needed to wait for the check to cash XXXX so I did the next day I called the bank to see what I can do about the situation and they told me unfortunately they had to place a check fraud under my name. And I could n't do anything about it for 7 years. XXXX off I called the bank to advise them of the situation and the fact I was not aware it was a fraud before the cashd itit. XXXX of all I was never arrested or convicted for that either. Which I should n't have cause I was in contact with the bank advising them what hAppened all I want is a bank account so I can deposit my money. I do n't think I was treated fair in this situation I need help please help me it was bank of America
Consumer complaint received 2015-11-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (NC)

To Whom It May Concern, I recently applied for a home equity loan with PNC Bank for the amount of {$25000.00}. My initial loan estimate indicated that the estimated payment would be {$510.00}. 

The assessed value of the property per PNC 's assessor was {$530000.00} ( though I note that the assessor did not account for XXXX square feet of livable space ). My current mortgage balance is {$380000.00}. 

On XXXX XXXX, the underwriter issued the following request via email : '' Homeowners insurance dwelling coverage is insufficient. Will need dwelling coverage increased to cover total liens {$400000.00}. " This request is the reason I am filing the complaint. Homeowner 's insurance covers the value of the dwelling ( which per my homeowner 's insurance policy is ~ {$250000.00} ), not the value of the outstanding loan. The figure the underwriter wants to cover through my homeowner 's insurance is the outstanding balance on my mortgage ( {$380000.00} ) plus the value of the loan for which I applied ( {$25000.00} ). What the underwriter seems to be requesting, then, is something equivalent to Personal Mortgage Insurance ( PMI ). 

Even with the low assessment value on the property, the sum of my mortgage and the loan for which I applied would result in a loan-to-value ratio of XXXX %. Banks are required to drop PMI once the loan-to-value ratio reaches XXXX %. 

There are XXXX specific concerns here that I would like to bring to the attention in light of the above summary. 
1 ) The underwriter is asking for one type of insurance ( PMI ) that according to the rules is not allowed. As such, s/he would seem to be asking me to provide that insurance through my homeowner 's insurance. This is either an instance of gross incompetence ( i.e. confusing homeowner 's insurance with PMI ) or an attempt to skirt an existing regulation regarding PMI and, therefore, asking me to shoulder a cost that is not required vis. my loan-to-value ratio. 
2 ) The second concern is that the requested additional coverage would result in a significantly higher cost than was provided in my loan estimate. This expectation was not disclosed in my loan estimate and, as such, this request constitutes a violation of the Truth in Lending Act that obligates PNC to inform me of all expected costs. 

I have written documentation of all facts mentioned above that I am happy to forward to you. Should you require them, please do not hesitate to contact me.
Consumer complaint received 2016-02-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CO)

I purchased a home XX/XX/XXXX and XX/XX/XXXX I received notice from the credit bureaus that I had a 30day late payment on my credit which has dropped me over XXXX points. After receiving the information that I had been late I went to XXXX/Stearns and asked when the payment was late in because the payment I had submitted was on XX/XX/XXXX which was 10 days past the date I needed to submit for. They then told me that the payment I made on XX/XX/XXXX would be to cover XXXX XXXX payment which would make it 40 days late. After much discussion I found that my account has had a rolling 30day late payment since XX/XX/XXXX. Believing this was wrong I went to my bank and requested the past years bank statements and payment history with confirmation of payment emails and have not found a month where a mortgage payment was not deducted fro my account. I then took the information to XXXX/Stearns and they told me to submit a email using their secure server on their website and include the documents that I have. I submitted 2 emails to Stearns including the information they required to resolve the issue and nothing has been done. We have also sold our house that was with XXXX/Stearns so the loan is closed out, but since XX/XX/XXXX we have received XXXX more 30day late payments on my credit report.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Bought a car in XX/XX/XXXX, totaled it drying ice storm ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect one on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
Consumer complaint received 2016-01-30
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (NJ)

On XXXX XXXX, 2016 at around XXXX, I submitted a Fed money wire of {$18000.00} via XXXX XXXX website to XXXX of my online savings accounts at Ally Bank . I received via the XXXX website a completed wire conformation with the the federal reference number. On Monday, XXXX XXXX, 2016 I contacted Ally Bank since the money was still not in my Ally savings account. The service rep at Ally showed no pending wire transfer activity and also checked with their wire department at my request. They found no activity. 
This same day I contacted XXXX and they said their records reflected that the {$18000.00} was delivered to Ally Bank. I then asked and XXXX agreed to arrange a conference call with Ally Bank to try and determine the cause of the problem. We confirmed the that the routing number and account number were correct. We ended the conversation with Ally Bank, since they still showed no money transfer activity from XXXX into my account ( at AllyBank ). 
XXXX was very helpful and said they would try and find out what happened and if Ally Bank had rejected the transfer, it would take XXXX days from XXXX XXXX for XXXX to see it. The XXXX management rep said he would pursue it further and would call me in the afternoon of the next day. 
The next day XXXX XXXX, 2016, XXXX contacted me and said Ally Bank had in a fact rejected the transfer. I was told that the apparent reason for the rejection stated, unable to apply to account due to incorrect routing number and or account number. We had already confirmed that all the routing and account numbers were correct- so the reason for the rejection was incorrect. That same day XXXX sent another wire of {$18000.00} which was delivered into my account on XXXX XXXX, 2016. 
I again called Ally Bank and spoke to another supervisor who took my information and gave me a case # XXXX. He still could n't provide me with why the original transfer had rejected back to XXXX. I also sent an email to Ally bank customer service yesterday ( XXXX XXXX ) and indicted that if I did n't get an answer today, I would write to the CFPB. As of the writing I 've received no reply. 

All I want to know as I 've asked Ally Bank repeatedly is what was the actual reason my money wire was rejected and for them to reassure me that It would not happen again. As I mentioned to Ally Bank I had to use money from other sources because the money was not in my account on XXXX XXXX, 2016. Please help get an answer. I 've received no help at all from their customer service or customer disservice in this case. Thank you for your help.
Consumer complaint received 2016-02-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (IL)

Paypal decided to shutdown my account arbitrarily. And are currently holding my balance of {$1900.00} and are planning on holding it for 6 months. In addition to that, I have additional {$360.00} in ebay gift card they are no longer honoring. I 've contacted paypal and ebay several times and all they do is bounce phone calls back and forth. And blame each other. Someone has to be responsible for returning the gift card balances back.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

We refinanced our apartment in the XXXX XXXX with HSBC. The process took a long time - since XXXX - with HSBC constantly coming up with many inquiries, which we responded to within a short time ( usually same day ). Everything was going fine, but we were out of the country when the closing happened XXXX our daughter had POA to sign the papers ). At the last minute ( after we had agreed on all the details of the closing XXXX, HSBC added a {$4000.00} charge to the closing costs, without our permission.
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NV)

I originally submitted a complaint against Equifax Credit Reporting Agency as I could not get my annual credit report for the past 4 yrs. After filing the complaint with you, Equifax mailed me my credit report at my address on XXXX XXXX XXXX in XXXX, NV. on XXXX XXXX, 2016. My first name was spelled wrong, it 's XXXX not XXXX and, more important, my birth date was wrong, it is XX/XX/XXXX NOT XX/XX/XXXX. I called and told them this and they gave me a fax no : XXXX and told me to give the following information on the cover sheet : name, social security, email address and phone no. I then faxed over a copy of my birth certificate and a copy of my social security no. XX/XX/XXXX, with a request to mail me a corrected credit report ( for free ) to insure the corrections were made. I have the receipts. Then I received a letter today, dated XX/XX/XXXX that stated the information I gave them did not match the information they currently have on file. Well, that 's pretty obvious.THIS IS BECAUSE THEY ( not me ) HAVE THE WRONG INFORMATION. The letter states I MUST submit the following : birth certificate ( I did ), XXXX ( I am retired ), pay stubs ( I receive soc. sec., I 'm retired ) and copy of my social sec. card ( I did ) It also states I must submit a copy of my driver 's license, rental agreement, utility bills etc. to verify my address. My address IS ON MY CREDIT REPORT AND I HAVE RECEIVED ALL OF THEIR MAIL AT THIS ADDRESS at XXXX XXXX XXXX, XXXX, Nv XXXX. Why do I need to verify this??????? I called their customer service no. today and was shocked. They told me that they did n't know what fax no. the XXXX belonged to and gave me a new fax no. of XXXX/Dispute Depart. and in the letter it says I have to pay for the credit report. I have no idea where all my private information has gone. They should not be allowed to function as a credit reporting agency. I would like you to fine them so much money that they might become a better company and certainly more organized. They are handling people 's lives. Your credit affects everything. If they are so concerned about protecting your credit then they should get this under control ... who knows who has all my personal information? Please make them correct my credit report and issue me a free one reflecting those corrections. The information with the other XXXX credit reporting agencies are correct.
Consumer complaint received 2015-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (FL)

I have a substantial amount of student debt, upwards of XXXX in Federal loans and another XXXX in Private student loans through wells fargo. I called Wells fargo and explained my situation and the fact I only make XXXX a year.. so essentialy the amount they are asking for me to pay monthly would cause a hardship for me and not allow me to save any money in case of an emergency or move up in life IE. Buy a house, have a family. After Wells Fargo had me submit all of my paperwork for the hardhsip they recently contacted me that I was not approved for the hardship request and that I would have to continue to make the payments they demand. Wells fargo is soo unwilling to help students like myself who feel trapped by the burden of having such large payments due on a month to month basis. I essentially feel enslaved by this. Please help me lower my student payments at least to the levels of federal loans where the payment is more manageable. Also the high interest rates on Wells fargo loans are upwards of 10 percent which only causes a never ending cycle of debt for student like myself. It makes me wish I could return my degree given that I am not currently working in the field I studied. Please help!!!
Consumer complaint received 2015-11-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I received a payday loan from castle pay day and paid {$370.00} I called on XXXX/XXXX/2015 and asked what I needed to pay to pay off loan in XXXX payments. I was told I could pay XXXX on XXXX and next pay XXXX in next two weeks. Then I was contacted an hour later and was told that I would need to pay another XXXX. 
I do n't have a problem with paying off the XXXX however I do n't think it 's fair to pay twice as much from what I borrowed.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Hello, I received a letter on XXXX XXXX 2015 stating this account was delete from my credit report and now it 's reinserted again. The account is XXXX XXXX XXXX # XXXX. I have attached the letter from Equifax showing the account was removed. Also, I requested " Validation '' information on XXXX # XXXX and not " Verification '' and it was never presented and I have the cast number to provide. The request in CFPB system. In addition, this account over the status of limitation and Equifax has changed the dates which is against the Fair Credit Act.
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Transunion has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. 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 XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via E or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.
Consumer complaint received 2016-01-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

I have always made my loan payments on time, even recently sending a {$1000.00} dollar principal payment. Today my husband and I have attempted to obtain the interest portion paid from XXXX for tax purposes, however no one with the bank seems to be able to identify that dollar amount, and after requesting a payment history be mailed to us we were hung up on. We request the CFPB investigate whether this bank is appropriately applying payments according to the terms of contracts or simply making up their own rules as a financial institution.
Consumer complaint received 2015-04-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY ()

I have an checking account with TD Bank. There was a security breech at the XXXX XXXX and all information with regards to card numbers and pin numbers being stolen. They froze my account in I believe it was XXXX and said in the letter explaining the problem that a new card would be sent to me and it never was. I have called several times trying to get my money out of the account but they always say that they cant help me because I cant tell them about any transactions I have had in the last 90 days. The only thing I can do is go into a TD Bank branch and prove who I am, meanwhile a frozen account is still being charged {$4.00} a month for maintenance fee. I am a XXXX running projects in XXXX XXXX and the TD Bank is only in the XXXX states and XXXX. They are basically stealing my money by refusing to give me my money back in a check sent to my house in XXXX.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (VA)

My name is XXXX XXXX, daughter and Power of Attorney for XXXX XXXX. My dad received Notice of Forcloseure, he had separated from wife whom I assume was dealing with all his finances and who is illiterate. I live in a different state than my dad and traveled to his place of residence to put in place the legal documents in order to act on his behalf. I reached out to CitiFinancial to modify loan. I received Forebearance Agreement. Down payment of {$1400.00} had to be made by XXXX/XXXX/15. All siblings agreed to pitch in to make the down payment. All siblings did not pay the amount needed. I reached out to our tribe for assistance who agreed to help and pay the downpayment required. The downpayment was wired XXXX/XXXX/15 and returned. Wire sent again and returned. XXXX XXXX wire was not going thru, they gave different wiring instructions as initial account had been closed. Wire was sent out a total of 5 times. All wires being returned. CitiFinancial is stating that they did not receive the wire on date specified and wondered why I sent wire after instructed to do so by them stating that it takes XXXX hrs for a wire to post and monies needed to be posted to account by date specified. I have provided CitiFinancial with all the wire documents showing diligent good faith efforts to send them the downpayment as required. CitiFinancial stated the only wire they did receive was the one sent on XXXX/XXXX/15 which they have stated has been returned. CitiFinancial has stated that the foreclosure proceeding will take place unless the outstanding balance of approx. {$9000.00} is paid to reinstate the account. I complied with every requirement given by CitiFinancial and they are refusing to accept the downpayment even when provided proof that wire was sent but returned. CitiFinancial is stating that it is not their error that wire was returned, even though they provided wiring instructions for closed account. CitiFinancial is stating that bank made error when sending wires and therefore they will proceed with foreclosure proceedings. It does seem as though the bank did make an error in sending the wire although attempts were made and it is not my dad 's fault those errors were made nor his fault that Citi provided wrong wiring instructions. My dad is XXXX years old and I feel as though CitiFinancial not only breeched the agreement we had in place but also refused to modify loan accordingly to his limited social security income. His loan rate is over 8 % and based on a 10 year old appraisal, there is approx. {$30000.00} of equity in his home that I believe CitiFinancial is trying to cash in on. I certainly think that if they were n't, the forbearance downpayment would have been accepted and loan placed back in good standing. CitiFinancial 's actions in my opinion have not only be morally unethical but illegal by acting in a fraudulent manner by providing wrong information and then after being provided all evidence that wire was sent several times they stated forbearance was declined.