davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Home Mortgage - Loan ModificationDuring an economic downturn that resulted in a real estate market collapse, my family lost most of our income and was struggling to provide basic necessities for our XXXX children. My husband lost his business. It was a difficult time for us. It was difficult to get a modification done - very difficult. 

After a 3 year process of a continuous declines Wells Fargo offered my family a home modification agreement. This agreement was signed XX/XX/XXXXThe terms of the Loan Modification Agreement offered on XX/XX/XXXX was as follows ; 1. New amount payable under the Note is {$700000.00} 2. Interest Bearing Principal Balance {$570.00} based on the appraisal of the house. 3. Deferred Principal Balance {$120.00} 4. Forgiven Principle of $ XXXXOn XX/XX/XXXX we received a XXXX XXXX envelope with a letter included in this complain, that states : Wells Fargo discovered that they did not show us " clearly '' how they arrived at the new principal balance within Modification Agreement. 
They changed the Principal Balance to {$780.00}, XXXXWhich is {$77000.00} more than the modified principal under XX/XX/XXXX Agreement. 
This is unacceptable and deceitful. Please investigate. We will can not accept this new principal balance. Our income is limited and we are working hard to make payments and pay off our house. This increase is not justified as there is not basis for it. 
Included are the original modification and a letter / modification with enlarged balance.
Consumer complaint received 2015-10-23
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (CA)

I have not been able to pay any bills or pull any money from the ATMSince XXXX XXXX, I had a bill pay deducted from my account on XXXX XXXX which has not been received by my credit card company, If consumers are receiving late fees, possibly a missed payment on their credit report that could be devastating to someone like me who has great credit. Its been 12 days since I had access to my cash.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R&R Professional Recovery, Inc. (MD)

I recently obtained my credit report and see XXXX companies are claiming I owe money ; R & R professional Recovery XXXX. I sent a validation of debt letter by certified mail to each collection agency. Instead of sending me the evidence that I owe an alleged debt R & R Professional Recovery reported me again as of XXXX/XXXX/15 which has negatively impacted my credit score by XXXX points. I have never received anything prior to this and when I ask for them to prove I owe the debt they IGNORE request and continue to bring my score down! Please investigate this crooked company
Consumer complaint received 2015-10-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo never disclosed that the minimum payment that they charge on the account is based on the HIGHEST outstanding balance and once set stays the same until ALL balances are paid off. These balances were taken out on zero % with varying due dates to avoid interest if paid in full. Because of the high minimum payment, I am being forced to pay off the card BEFORE the zero is actually due. This is deceptive trade practices and is forcing both a higher minimum payment being reported to the credit agencies as well as depriving me of the 0 % benefit without any notice that this is their practice. This is an abusive practice that is damaging consumers who take out store credit with Wells Fargo and should be investigated, changed AND PUNISHED! 

They also apply the monthly payments in an incomprehensible way to where you have items that are due later getting more paid off than items that are due sooner. This bad application could also cause someone to miss the due date on items that are due sooner and so incur the interest that the consumer had fully planned to avoid based on their payments.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (NC)

I have my mortgage with Central Mortgage Company and they charge a processing fee of {$5.00} every month when I pay online. I have XXXX other mortgages that do n't charge fees for this, and my mortgage was sold to Central Mortgage Company so I had no decision on which company would hold my mortgage. It seems a little rediculous to be charged {$5.00} a month for paying online when there is not a processing fee if I pay via mail.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

RE ; WELLS FARGO - LOAN # XXXXPlease help me avoid foreclosure, it is now over XXXX months since i requested help from my mortgage company regarding a HAMP loan modification. for the past XXXX months Wells Fargo has assigned XXXX different negoatitors to review my application and every time i get assinged they request for the same documents over and over again. 

Please help me since i have provided every single document to qualify for a loan modification and now as of XXXX/XXXX/2015 Wells Fargo told me that i was denied because it is not on the best interest of the investor to help me keep my home. 

Now i am frustrated and upset since it is now almost XXXX months going back and forward with Wells Fargo playing games. 

XXXX XXXX
Consumer complaint received 2015-08-05
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Creekside Recovery And Capital Management (FL)

I received a phone call at my work place from a company refusing to give their name. the man calling also gave me a false name. I was told to be home at a certain date and time because he was coming to serve me and if I was n't there to sign I would go to jail for a missed court date. I tried calling the number back and they refused to give me a company name. The man I spoke to was told not to call my workplace again due to the fact my employer does not allow these types of calls.the man began to yell at me and would not continue until I hung up
Consumer complaint received 2015-04-02
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (VA)

My family and I found a beautiful short-sale home from Chase Bank in XX/XX/XXXX. We placed an offer that was accepted by both the seller and the Chase bank but, in XX/XX/XXXX Chase came back and requested more money. At XXXX we offered {$260000.00} using a VA backed loan with the seller covering all closing cost at 2 %. When chase came back requesting a final offer in XXXX, we raised our offer to {$270000.00} with the seller covering closing cost at 3 %. This was accepted and on XX/XX/XXXX we went to settlement and close on the home, all documents were signed and I was given the keys to our new home. However, a couple hours later my realtor and broker called to inform me Chase did not accept the HUD-1 statement and wanted more money to the tune of {$3500.00} ( {$2000.00} escrow and an additional {$1500.00} ). As a XXXX and wounded veteran I was appalled by the GREED and DISHONORABLE behavior displayed by employees of Chase bank that are willing to let another veteran ( the seller ) go into foreclosure for {$3500.00}.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

I was sick with XXXX and at the same time the real estate market crashed in 2008. 
I fell behind with my payments. 
I have tried XXXX times to make different plans but the lender always comes back with higher and more costly plans.
Consumer complaint received 2015-06-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, 2015, Our company, XXXX XXXX XXXX, XXXX took XXXX deposits, XXXX in the amount of {$2900.00} and XXXX for {$9700.00}, to our bank Merrill Lynch for which we received dated and initialed receipts. When we got our bank statement, these XXXX deposits were not credited to our account. We talked to the tellers, and account representatives about these missing deposits. We were notified that the person who is supposed to scan the checks thought it was done and shredded all the checks on these deposits, therefore, the money is missing. The bank did agree to call all of our customers and let them know what happened, to try and recollect this money. We have had really upset customers calling us telling us that they do n't trust our bank enough to want to send a XXXX check. We have collected a majority of the money, but are still out {$2000.00} of this money. I always thought that if we have a valid receipt for the deposit, it should be put in our account. The bank told us that they will not put the money in our account, even though they know they are the ones who lost the money.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted BOA to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OH)

Hello I logged into my Home depot account which is administered by Citibank to check the status of my account. Imagine my surprise when I saw a due date of XX/XX/XXXX when I had just made a payment earlier this month for the original due date of the XXXX of the month. Had I not discovered this it would have sent the account into default and I would have lost the 0 % financing cost which is not due until XX/XX/XXXX for which I will have paid off before then. The only notice I received from Home depot was that the billing website had changed and no change in my due date had happened. I am afraid that many of their customers who are using this option may have their accounts go into default because of this underhanded tactic. Please investigate this issue and force Home depot aka citibank to make amends to any customers that may have been deceived by them.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: AMERICAN INTERNET MORTGAGE (CO)

AimLoan.com used a bad tax estimate when closing my loan and owes me money back from my escrow account. However, they will not correct the problem and have not been timely responding to the RESPA Notice of Error that I have sent them. I have paid the principal and interest, but they will not apply it to my account and are charging me late fees for the whole amount when only the escrow is in dispute. What good is RESPA if the lender/servicer can continue to act in bad faith and punish the consumer at will. Even after the mortgage fiasco that caused the recent recession, the consumer is always left holding the bag and the lenders can do whatever they like with impunity.
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

To Whom it May Concern : I have a credit card with Citizens Bank and after pulling my annual credit report, I found they have closed my account back in XXXX. On XXXX XXXX, XXXX, I lost my full time job, so I made payment arrangements with all my credit card companies, including Citizens Bank, asked for payments of lower than {$50.00} a month and they agreed. I was able to pay the other credit cards I owned as well as Citizens Bank with a part time job I had obtained. I followed up with a phone call on XXXX XXXX, XXXX regarding my now closed account and a woman stated she would send a letter within XXXX10 business days. She also stated with they closed account back in XXXX XXXX and I would have to re-apply once the balance was paid in full. I have been paying my bill as long as I can remember and more than what is asked to pay on each statement. To date, XXXX XXXX, XXXX, I have yet to any letter as to why my account was closed. My address is current, there is no electronic delivery as she verified my address ( can not find anything on their website regarding electronic notices ) and there are no PDF files saved anywhere on their website. What I want is a letter stating why they closed my account, that it is off my credit as a negative or for any other reason that would be used again me for further purchases, etc and to report them for illegally closing my account under the " Responsible Lending Act '' and " Credit Card Act '' and have not notified me in writing within 5 days of the action being taken. I do n't understand why they would close an account when making current payment arrangements after the loss of a job. I feel they discriminated against me in fear of non payment when in fact I was making payments. On all of my statements they have noted all sorts of different numbers for the amount due and the amount I was originally supposed to pay. They always stated it was late or a past due amount when there was always a payment every month of more than what was owed.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing LLC is holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX that unit has been in default of condominium fees for over 3 years. In XXXX 2015 Ocwen filed a motion for default against the defendant unit owner. However, the default has not been entered as of yet that we are aware of. The condo fees are in arrears for well over {$5000.00}. Ocwen is protected by safe harbor. I, as a unit owner in XXXX XXXX, have no protection and am bearing the burden in my fees for this defaulting unit every month of every year this goes on. I am asking the consumer financial protection bureau to do all within its power to get Ocwen to foreclose on this unit and sell it. Other units have sold for well over the {$66000.00} which I believe is the mortgage amount, so there is no excuse for this to continue. By Ocwen dragging its feet on its responsibility for this unit it is causing unnecessary and undue penalty to me, a senior citizen, living in this XXXX condominium association. This is a horrendous situation and should not be allowed to continue.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tri-State Adjustments, Inc. (CO)

This letter is being sent to you in response to the above reference account that TRI-STATE ADJUSTMENTS has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against TRI-STATE ADJUSTMENTS for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I got an offer for refinancing from Capital One Mortgage. I called them, they went over the terms and I requested further information. I got the paperwork in the mail, and all over the paperwork it said, once you sign this and return it, you are accepting our good faith offer. I never signed anything. I asked if I could have an extension on turning in all the documentation they requested from me, they immediately charged my debit card {$450.00} for closing the loan. I never accepted the loan or good faith estimate so this does not seem legal. When I asked the loan agent, I was told that they would not refund my money but would maybe consider reopening the mortgage but the interest rate had gone up. I then asked the agent if it would make sense to pursue a refinance where the interest rate difference was .25 % ( one quarter of a percent ). and I NEVER HEARD FROM HIM AGAIN. I did contact XXXX, Capital One 's response was that they were not changing their position and were keeping my money.
Consumer complaint received 2015-11-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i applied for a bank of America rewards card and was denied 3 different times it seem that they have a policy of denining XXXX a chance to get credit I have had people with worse credit scores than me that were approve for XXXX and XXXX credit lines. I think that banks of America needs to be looked at with there credit practices which are unfare and is discrimming against XXXX. I would like for B of A to give a fair chance to all people of getting credit not just some people XXXX XXXX applied for credit card and was denied 3 times. change there discrimmation practices
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems , Inc. XXXX XXXX XXXX, XXXX, PA XXXX has XXXX mailed me collection notices for a bill I paid directly to XXXX XXXX XXXX. I paid {$610.00} on XXXX/XX/XX/2013/15 check # XXXX. It cleared my bank. I have copy of cleared check. I responded to the first notice with a written note back stating that the debt was paid to XXXX XXXX XXXX. I enclosed front and back copy from my bank of cancelled check. The XXXX notice was received yesterday in my mailbox XXXX/XXXX/15. Today I mailed back another response and same photocopy of cancelled check. This is harassment. They could / should have contacted the original debtor.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (TX)

Unauthorized charges were made on my AMEX Credit Card ( on XXXX/XXXX/15 ) and several things happened : ( 1 ) In calling AMEX, they could not take the dispute as the charges were " pending '', and I had to wait until it was cleared ( it cleared on XXXX/XXXX/15 ). ( 2 ) The representative accused me of making the purchase as they were made online. ( 3 ) I have disputed the charges - again - online through AMEX 's website, and uploaded documents. I had to upload documents proving that I was not in the same state when the purchases were made " in person ''. 
I have asked AMEX for the name of their attorney or other person who will be investigating the unauthorized charges and investigating me. 
( XXXX ) I believe that AMEX withheld information that there was some issue with the credit card. On XXXX XXXX, 2015, I attempted to purchase a less than {$10.00} product online from XXXX. They refunded the purchase and stated that they believe there was suspicious activity with the card. I reviewed all my purchases from XXXX XXXX, 2015 and earlier and noted no unauthorized transactions. I believe there was information available to XXXX that my credit card information was stolen and was being used to create a new and fake credit card. AMEX should have known this if a small company like XXXX knew it.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I originally filed an identity theft report ( FTC and police report ) XX/XX/XXXX. XXXX and XXXX corrected and updated my credit report accordingly. TransUnion had up to XXXX business days after the acceptance of the identity theft report to block my information pursuant to FCRA 605B. The unverified items that are reporting on my credit report were never blocked or investigated ; TransUnion only parroted that they were verified. I sent another letter on XX/XX/XXXX once again stating that these items must be deleted, and again they were not. Again I wrote on XX/XX/XXXX and nothing happened. I sent a debt validation letter on XX/XX/XXXX and was only told that it was verified again. I included in this letter that the CRA must send me the documentation as proof of verification and validation of the debt. I sent my XXXX and final written request on XX/XX/XXXX. I will be sending out an intent to sue in XXXX days. I also called TransUnion and spoke with someone there. I have her direct information if you would like it. She told me that TransUnion does not need to provide documentation, and this violates my rights, as these accounts were then never verified. All of my requests have been ignored and I intend to pursue this to the full extent, as these accounts are unverified and do not belong on my credit report.