davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Dear Consumer Financial Protection Bureau and Wells Fargo Bank, RE : Account/loan number XXXX We are respectfully requesting further assistance with our Wells Fargo Bank mortgage and a possibility of a reverse mortgage.. We are seniors, have lived at XXXX XXXX XXXX, XXXX XXXX, California since XXXX, and request that we may continue to live at the home until our deaths. On XXXX XXXX, XXXX, I will be age XXXX and will meet XXXX qualification for a reverse mortgage. My XXXX brother, XXXX XXXX, is age XXXX, and has lived in the home since XXXX. My XXXX uncle, XXXX XXXX, age XXXX, and brother of XXXX XXXX, has lived at the home since XX/XX/XXXX. I am their payee and their caretaker. 
According to the Wells Fargo XXXX XXXX, XXXX response letter, the company was unable to offer payment assistance due to the NPV or net present value of XXXX XXXX XXXX. Basically the property has equity of appproximately {$250000.00}. The current value is approximately {$850000.00} and the mortgage is approximately {$600000.00}. Therefore, I may qualify for a reverse mortgage or some related assistance. 
In XX/XX/XXXX, our parents gave us a home located at XXXX XXXX XXXX, XXXX XXXX, California and currently the value is approximately {$900000.00}. There is no mortgage and my sister, XXXX XXXX, is a co-owner. She and her family currently live in the property. It is our hope that we may also use this property and of XXXX for a reverse mortgage Most important to this request is a postponement of the XXXX XXXX, XXXX, trustee 's sale date. We are hopeful that Wells Fargo will assist us with the reverse mortgage and allow us to keep our XXXX home. Thank you for any help and consideration you may give us. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NV)

Credit Report Inquiry XX/XX/XXXX Your company Citi Bank BestBuy Card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
You can prove that this process mandated by the FCRA took place between your company and XXXX  consumer reporting agency? 

Citi Bank XXXX, Best Buy did not reply to both dispute letters sent XX/XX/XXXX and XX/XX/XXXX. 
Per the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, National Association (CA)

I had previous mortgage loan with Newyork Community Bank ( NYCB ). Loan # XXXX I recently refinanced with same lender in XX/XX/XXXX, loan #  XXXX, and escrow was signed onXX/XX/XXXX. Title company for refinance was XXXX XXXX XXXX XXXX chosen by lender. I made XX/XX/XXXX payment for previous loan ( XXXX ) which was posted on XX/XX/XXXX and  money got deducted from my account by XX/XX/XXXX. Therefore final principal payoff amount was {$420000.00} ( not {$420000.00} ) and new funded loan was for principal amount {$420000.00}. I waited till 3rd week of XX/XX/XXXX to  received difference between previous pay-off and new loan amount {$680.00}. After that I called NYCB and they opened inquiry within and promised to give me call back within 48 hours. Never received call or voicemail. After that I sent email through secure messaging system in my login account on XX/XX/XXXX. Followed up 3 times after that but no response so far. I did receive check for {$2200.00} from NYCB that was for balance in escrow account which was there for property tax payments at the time of closing. I still need to receive {$680.00}, which is difference between previous payoff and new loan amount which NYCB is reluctant to give me. I called title company as well and they said I need to deal with lender for that.
Consumer complaint received 2017-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX I Spoke with XXXX XXXX re PMI payments were not removed. I have had this mortgage for 14 years, modified XX/XX/XXXX to 4.125 rate FHA 30 year fixed. 
XXXX Claimed pmi was removed XX/XX/XXXX but this was a false statement, she continued to place me on hold and and agreed my payment was NOT decreased, pmt decreased due to tax and ins not pmi.XXXX informed me that they will RESEARCH and call me within a week, that following Mon as I told her if I dont hear back I will report it. NEVER heard from WF since! Never followed up ... of curse! IGNORED AGAIN.Its in my phone records if you need a copy. 
PER FDIC HPA law Lender must inform me that can cancel when I have 20 % equity or auto cancel. WF NEVER sent out any notices re PMI at all! NEVER, They have no right. My mortgage payment increased again this year. See mortgage statement attached.They also closed my checking so I wouldnt have access to my act/ this info ; however I made screen shots that day! They have refused to allow me to review my account online. OVER 4 years have gone by paying my mortgage on time every single month and still paying PMI and I have paid OVER 20 % equity and pmt increased. -statement clearly shows XX/XX/XXXX thru XX/XX/XXXX payments stayed the same {$920.00} now pmts are XXXX, do I not have any rights and WF can do whatever they want? I cant trust this bank as they continue to lie
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Resources, Inc. (TX)

I do not recall this debt, i do n't reside or go to drs or hospitals in las cruces, i would like to see original paper work that shows it was indeed me that made these charges and if it is then i want to pay for it. this collector keeps selling the note and keeps coming out on my report and i have no clue where its from.
Consumer complaint received 2024-10-16
Product: Credit 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 (DC)

In a nutshell, Bank of America 's Premium Award Visa credit card ( " Credit Card '' ) is improperly denying consumer credit-card disputes by limiting categories of supporting documentation it will accept on its dispute portal. 

I had purchased something on the Credit Card that did not work at all as advertised. I had documented how this did not work via a video on my phone. Because of the type of product that did not work, only a video ( not photos ) sufficed to show how the product didn't work. I then disputed the charge with Bank of America around XX/XX/year>. 

Upon disputing the charge, Bank of America 's portal asked for supporting documentation, but it did not support video files. The size of the video also was too large for Bank of America 's portal, so even if its portal supported video files, the videos would not have been able to upload. 

I wrote a letter to Bank of America explaining the above and asked Bank of America to provide some alternative way for me to get the videos to Bank of America showing that the item did not work. Bank of America responded with a boiler-plate letter saying it needed supporting documentation, but this letter was generalized and did not address my specific issue of not being able to upload videos. 

I then wrote another letter to Bank of America stating that I have evidence in the form of videos, want to provide it, and asked how to get them the videos. In response, Bank of America denied my claim, citing a lack of supporting documentation. 

This is clearly wrong to do to consumers. Bank of America 's portal to upload documentation is extremely limited and outdated, accepting only certain file types and having a very small size limit. This gives Bank of America an easy out to improperly deny disputed claims.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (FL)

I had been quoting with local companies for a sign to go on top of my new art studio. I found one company that seemed reasonable on XXXX. I reached out to them and was quoted a certain amount. I confirmed with the company that the price included the proper permitting required by XXXX County, Fl. I then went into the bank and requested a {$1000.00} cashiers check to XXXX XXXX XXXX, XXXX XXXX which would have been half of the total cost. I have an account with XXXX XXXX XXXX. I walked into the bank on or around XX/XX/XXXX and requested a cashiers check, the funds were withdrawn with a teller and the check was drawn from my connected business checking account. I requested this because I wanted the payment to the company to come from XXXX XXXX XXXX which is my business account, but that is neither here nor there. I then drove over to my studio and met with the associate from XXXX XXXX XXXX, XXXX. His name was XXXX XXXX. Upon further speaking with him, he was trying to convince me that I did not need a permit and I declined to do business with him. I placed the check and the quote along with some other documents in my vehicle and thought nothing else about it until it became missing. I contacted my bank to report the check missing and then upon XXXX XXXX XXXX 's investigation, the same man deposited the check in his account at Regions bank. I immediately filed a claim with XXXX XXXX XXXX to retrieve my funds. The claim number is XXXX. Upon further investigation by me, I contacted the actual owner of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that they are aware of who this man is, that he does not even work for XXXX XXXX XXXX, XXXX, he is a thief and many customers have been calling and there are active suits regarding this man impersonating this company and I was not the first person that he stole from. He also that his attorneys are aware and also fighting to stop this mans activities. I have been being told by XXXX XXXX XXXX that they have sent several request to Regions bank to retrieve the funds and have been awaiting with no response. I am filing this case with hopes that you can look into this situation and find a resolve. 

Kindest regards
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX is harassing me for a debt XXXX dont owe. The credit bureau know my address and the address that security credit services and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately. They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
Consumer complaint received 2017-10-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

i have several loans with Navient and i am enrolled in automatic payment for over 2 yrs making all required payments on time, reading up on what the media has been informing us i do feel i am part of the borrowers that were mislead to multiple forbearances and eventually to forced high payments, i recently called and provided as much information as possible and had my co-signer provide all her information aiming to lower my just raised payment to a ridiculous amount. after calling for an update they tell me i do not qualify for lower payments, i am stressing out and Navient 's way of calculating unbearable amount of high payments are pushing me to a boiling point of stress. please look into their payment plans and consider the real world conditions in which we live in, Navient is attempting to take all my money and preventing me from providing my family with a healthy living. 

PLEASE HELP!!
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Your company Capital One, Kohls did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
You can prove that this process mandated by the FCRA took place between your company, XXXX and XXXX consumer reporting agencies?
Capital One Bank, KOHLS did not respond to dispute letter XXXX-2017 Per the Fair Credit Reporting Act section 611 your company did not  complete an investigation within 30 days.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

Hello I had purchased American Express Serve Cards - total of 4 cards ( one each for my daughter / wife / father-in-law and me ). When I tried to register these cards on our name we were denied stating some issue. We were told to spend the balance on the card and close it. However they charged {$4.00} on each card after 30 days as we were not able to use the balance by then. 

The issue - if the card would had been registered on our name we would not have had those charges as the terms mentioned the same. But due to the issue with the registration process we had to pay the fees. Also using around {$500.00} from each card was not possible in a month and hence we were lost around {$19.00} and requested American express serve prepaid card company to refund it. But they did n't do the same. Need help here.
Consumer complaint received 2017-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

On XXXX XXXX, XXXX I had setup my 3rd payment to be taken out from my debit card linked to my checking account. Because of previous success payments using the same debit card I thought there would not be a problem. On Saturday, I received a call from Navient in regards to my payment and there was a problem. I tried returning the call on the same day but all I got was a audiomated system and not a live person. After numerous tries I tried calling Sunday XXXX XXXX, XXXX, but the answering system stated they were closed on Sunday. So first thing Monday- XXXX XXXX, XXXX I called from XXXX-until XXXX. I was transferred numerous times and given all sorts of numbers to call regarding my account. The service rep from Navient even transferred me to the default department. I spoke with a lady named XXXX. She advised me that she does not see any record of my account but it is showing a status of default. I asked her could I speak to someone regarding the issue of my payment not going through and why am I in default now. She explained she does not have my record but I am set up for reocurring payments going forward. Now I am totally confused and lost. So, I called back to speak with another rep.  This time the rep explained to me theres nothing she can do because I am not coming up in the system and she provided me another number to call. I then called that number and again was provided with no help and still I dont no whats going on with the payment that was suppose to be processed. This is very upsetting because no one wants to go into default on a private loan. 
When I first set up these payment arrangements I was tolded to make 3 payments on time and my account would be brought up to date. Now theres a problem processing my card, so Navient puts me in a default status. 
my previous payments are as followed : XXXX {$220.00} XXXX {$220.00} XXXX {$230.00} XXXX {$230.00} I have been making my payments and if I could not keep that payment arrangement I would call to move the date. This has happen to me once before and the reversed the default and I was put back into a reocurring payment status. Now I can even talk to anyone or get account information about what happen to the payment on XXXX/XXXX/XXXX. 
I have had this loan since XXXX/XXXX/XXXX It 's crazy how each Navient rep tells you something diffrent regarding your account ever time you call. All I want to do is resecure my payment from XXXX/XXXX/XXXX and move forward with reocurring payments. please help
Consumer complaint received 2024-11-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

Chase bank was holding deposited checks drawn on my other bank XXXX in violation of Reg CC. They put a 7 day hold on the funds I deposited on XXXX in the amount of {$1000.00} due to reason to doubt collectability. I have had absolutely perfect  standing with Chase and there was no reason to doubt collectability. I work for XXXX XXXX ( XXXX ) and had heard multiple of our bank customers report this issue which is why I made the deposit on XXXX. When the funds were not available the next business day, I called and they told me the reason was that the paying bank ( XXXX ) did not provide timely confirmation that the check was good. Which makes no sense, since paying banks do n't provide timely confirmation other than through dollar settlement which was done. They immediately removed the hold AFTER I called and said they were in violation of Reg CC. We ( XXXX XXXX ) then went through our correspondent bank to find out why they were holding what appeared to be every XXXX XXXX check deposited at Chase, who went through XXXX XXXX who was given the following response from Chase : Regarding XXXX XXXX our Fraud/Risk Dept made a short-term change to mitigate a counterfeit trend they were seeing in order to minimize further risk and impact. Below is their feedback ; they removed all 7-day holds effective XXXX XXXX today. 

In recent months, aggressive counterfeit check attacks were observed on specific routing numbers, such that even some valid routing numbers were suffering high levels of check returns, Risk implemented a strategy to place holds on all checks from routing numbers that had observed recent high rates of check returns. This process was used as a short-term control and now that a long-term solution has been implemented we feel comfortable to remove the previous process and as a result some of these routing numbers will no longer receive holds. 

While I understand their strategy to mitigate risk, This appears to be in clear violation of Reg CC as they can not put a hold on a " class of checks '' which they did. In addition, XXXX XXXX has not had recent high rates of check returns with Chase. so what are their thresholds for determining " high levels of check returns '' - two. We have very little fraud reported on any of our accounts or even returned checks in general. This caused tremendous disturbance to myself and my customers. Had my customers not been as savvy as me, they likely had the hold remain on their funds for 7 days while Chase bank used and earned money off of those funds. 

In addition, as you can see, they lifted the hold from XXXX XXXX routing number but indicate that they have only done this for some of the routing numbers, which means they are likely continuing the practice of blacklisting bank routing numbers and placing holds on people 's deposits. We have also heard of this practice from other big banks/credit unions.
Consumer complaint received 2017-10-02
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)

Account has been closed since XXXX XXXX off, XXXX is still charging monthly and adding interest and reporting to the credit bureau as if I still have a XXXX. Balance increase every month on a charged off account. Illegally reporting and increasing balance.