davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX 2016, I called Wells Fargo Bank , N.A . to see if my husband and I could get pre-approved for a VA Loan. We were pre-approved and began searching for a home. On XXXX XXXX, 2016 we made an offer that was accepted on a home. We promptly uploaded all the required documentation to Wells Fargo. Then we arranged for the home inspection, pest inspection, the required survey, paid the earnest money, etc. Wells Fargo accepted payment and arranged for the appraisal. Once all inspections, appraisal, and survey as well as everything on our end was completed and we were within a couple weeks of closing, I was notified that Wells Fargo would not honor the pre-approval. I was crushed. Our past 12 months work history was cited as the reasoning. I am told by them that VA has very strict rules about work history. Wells Fargo was absolutely aware of our past work history prior to giving pre-approval. We have near perfect credit, 20+ years work history, and had a VA loan with Wells Fargo a year ago that we never missed a payment on. Because of the actions of Wells Fargo , N.A . we will suffer a loss in the amount of at least {$2500.00} at this point if this loan is not approved. That 's just the monetary loss. Most of the joy of purchasing this new home has been completely quashed by these events. Had we not been pre-approved, we would have waited to start our house search until we were in a position to be pre-approved. We would never just throw over {$2500.00} out the window. I called the VA Loan Production Department this morning and they looked at the activity for my social security number. Although Wells Fargo did pull a copy of my Certificate of Eligibility on XXXX XXXX, they never submitted any application to the VA. I spoke with them about the details of our circumstances. They stated that there are provisions in the VA Lender 's Handbook for approval in this type situation. I sent an email to the originator as well as his supervisor at Wells Fargo citing the chapters and sections of the handbook that the VA suggested they review, also noting that the Lender 's " handbook also says that it does n't deal with every possible circumstance that will arise, therefore, underwriters must apply reasonable judgment and flexibility in administering this important benefit. ''
Consumer complaint received 2016-11-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

First Citizens bank upgraded the online banking system XX/XX/XXXX. The upgrade had problems from the beginning with capacity issues, login issues, and more. I found out XXXX XXXX that a payment setup through their system did not transfer information from the old system to the new system. I found out from the payee not First Citizens. The bank did not inform me through correspondence that this may happen. I logged into the system to setup the payment account again and had an issue with my pin. The card was disabled as a result of this issue. I reset the pin with a customer service representative at First Citizens and was told to wait 20 minutes for the system to update. I waited nearly two hours and logged on again, but the card was still disabled. I was then told to wait until midnight. I logged on the morning of XXXX and the card was still disabled. I called customer service again, and was told it was a known issue and they are working on it. The " sorry for the inconvenience '' rings hollow after 4 or 5 times, it becomes more of an excuse and leaves consumers powerless to conduct necessary financial transactions.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased a bed from XXXX XXXX and called the owner XXXX and informed him that the bed was too hard and uncomfortable. I asked for a refund and asked him to come and get the merchandise. XXXX from XXXX XXXX stated that he would not give me a refund and asked me to jump up and down on the bed. He asked me to please keep it and give it time. I asked again for a refund and he stated that he does n't give refunds. He stated that he would give me another bed and I informed him that I purchased the softest bed he has. He said just keep it please. I stated that I would call Bank of America and I asked to put a stop on the purchase. Bank of America stated that i had nothing to worry about and they would take care of it from here. On XXXX XXXX, XXXX XXXX called and asked to pick up the merchandise and I called Bank of America and asked if I should give him the merchandise and I was told to do so. ON XXXX XXXX, XXXX. I received a letter from Bank of America stating that they had ruled in his favor. I called Bank Of America and the person I spoke with stated that if was a mistake because the money had been applied back to my account and stated that they must have made a mistake. I completed the survery on line that Bank Of America sent me. I put what I said in writing and. ON XXXX XXXX, XXXX I received another letter stating the same thing as the letter on the XXXX stated. I called again and I was informed that my case was closed per Visa because I had not responded to two letters that I never received. I also explained that I had spoken with Bank Of America on the other occasions and no one informed me that I needed to do anything. I asked how could my case be closed if I never had a chance to receive the information that I needed to do more than give the product back.
Consumer complaint received 2016-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MD)

I have reached out to Navient to have the dispute and the dispute language removed from my credit report. I was advised that this could be done online by uploading the documents to the credit retraction department. I attempted to do so but could not find the credit retraction department in the drop down menu. I reached out to customer service again and learned that this a process that can ONLY be done mail and that department does not have a phone or fax number. I am in the process of securing a home loan and the underwriter will not approve my loan due the dispute appearing on my credit report. I am requesting for Navient to remove the dispute and the dispute language from my credit report. The dispute appears 3 times for each account. I have mailed a copy of my credit report as well as a signed and dated letter indicating I want the disute removed.
Consumer complaint received 2016-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (KY)

couple years ago I went online to view options for student loans. I ran across sallie mae as an option. I went to website to view options. I have never actually took out a loan with company and never received any funds from company. They started harassing me daily and took money from my taxes and now my finical aid is on default while I am trying to further my education. may you please help me so that I can start school and get these scammers off my back! thanks
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Colony Brands, Inc. (OH)

collectionSeventh Avenue has reported a debt to my credit report. I do not know where this debt came from. I disputed it with the credit bureaus and they said Seventh Avenue verified the debt to them. I have requested copies of physical documentation to validate and verify this debt and have been ignored. 

A company collection named XXXX stated they had no information concerning this account also and removed their status. Seventh Ave has not and they claim to be the original creditor. This is violation my FCRA and Fair Debt collection rights. How can they report this information with out any proof?
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NM)

When Costco changed from XXXX XXXX cards to Citibank Visa, the balance from XXXX was switched to Visa without notice. When first Citi Visa statement was received, there was a late fee. Several other friends/relatives had same experience. Just received latest Citibank statement that included late fee and interest. Our bank transferred funds to Citibank XXXX/XXXX/17 as the statement had XXXX/XXXX/17 due date. Customer Service rep said the bill was actually due XXXX/XXXX/17 in spite of due date XXXX/XXXX/17 being clearly printed on statement. They reversed charges upon complaint, but many customers wo n't bother to complain. Believe Citibank practices are a scheme to defraud customers. Fraudulent business practices likely result in many XXXX of dollars loss to customers annually.
Consumer complaint received 2016-11-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (NC)

XX/XX/2016, I initiated a HARP loan application with my current lender Ditech. I was informed that I needed to provide homeowners insurance and sign the necessary disclosures to move forward with my application. XX/XX/2016, I received an email from the title company informing me that I had a judgement on my title report that would need to be cleared up before or at closing. XX/XX/XXXX, I also received a call from my lender advising me that my loan had been forwarded to their legal team for review. Apparently when I closed on my loan with Greentree, they cancelled my deed of trust from when I purchased the house, but forgot to record the new deed of trust. I was told at that time not to worry they would get everything cleared up. XX/XX/2016, I paid off the judgment on title. I forwarded the information over to my loan processor. XX/XX/2016, I was told by my loan processor that we were pushing to close my loan by the end of the month. One minute the loan processor told me the title company had everything they needed to close my loan, and later she switched it to say she had to resend the information. I reached out to the title company to see if they would give me a status on my loan and was later contacted by my loan processor indicating that they could not add the mortgage sent over by my lender because it had already been released. My lender is now ignoring all of my emails to them regarding a status on my loan. My lender did not record the deed of trust on my property, so I have an unsecured note.
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (MD)

I contacted GC Services in XXXX XXXX to advise that i was not in agreement with the amount that they claim that I owe XXXX. I was advised that I needed to contact XXXX to address. We also discussed that i have equipment that I need to return which would drastically. Reduce the amount due. I contacted XXXX and returned the equipment reducing the balance by over {$1000.00}. XXXX advised me that they would have a supervisor contact me to discuss other charges. i then made contact with GC Services and provided an update. I advised GC Services that I was working with Dish as I was not in agreement with the amount of XXXX claim. The representative at GC Services requested that I make a good faith payment on the account while I work with XXXX to resolve. I made a payment of {$75.00} to GC Services three days later I received an alert from my credit monitoring service that i had a new collection. I immediately contacted GC Sercices who advised that there was nothing that they can do. Since then GC Sercives has updated the item on my credit report six times within a one week period. They even took the amount due back to the original amount. This seems to be retaliation for disputing the item. With them updating the item it makes it look as if it is a new item. GC Services sent an updated Dish bill in XXXX XXXX the bill showed the XXXX payment that I made to GC Sercices it also reflected the returned equipment. The date on the XXXX bill is XXXX XXXX XXXX. The bill was never sent out to me. XXXX does it have any of the debt collection language. Why would XXXX create a new bill for an account that was closed in XXXX or XXXX of XXXX. This further shows the deception of the collection practices. This bill was only generated when GC Services was challanged to do a debt validation. I only had service with XXXX for three months. I canceled the service due to service issues and the overall customer service exoerience I had in the shirt period of time i had the service.
Consumer complaint received 2016-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (NY)

A set of my student loans are managed by XXXX. I had signed up for direct bill pay and had expected that my student loan payments were being made automatically, on-time. I recently signed on to XXXX website, to see that my account was delinquent. Although automatic payments had been made this previous XXXX, XXXX and XXXX, the automatic payments ceased in XXXX, XXXX and XXXX. I contacted XXXX and they said that they had canceled my automatic bill pay after some mail they sent to my home address was returned. I was never contacted about this cancellation despite XXXX having my up-to-date phone, e-mail and address information. While they have agreed to waive the late fees they charged me, they insist that the derogatory comments to be submitted to credit reporting agencies are valid. I disagree.
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd. (OH)

XXXX placed my previous electric account with Collection Bureau of America. The original placement amount was {$1200.00}. I 've made several payments further reducing the debt to {$710.00}. After review of the previous XXXX account statements. My final bill was not calculated correctly. As of today, I 've not been able to get anyone in the XXXX final bill unit to return my calls. The collection company is still pursuing the collection and now stating that even though I 'm under a payment agreement that this will still be reporting onto my credit. This is not fair business practices as I 've been on the phone with them every single time they have called.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc. (PA)

Caliber Home Loans has serviced my home mortgage since 2007 when XXXX XXXX extended a {$160000.00} loan at 7.62500 % interest while a {$81000.00} lien was on the property. Monthly mortgage payments are {$1500.00} with {$920.00} toward interest, {$200.00} toward principal. This agreement was made when my credit score was XXXX ; it has now increased to XXXX and I seek a better interest rate. 
The XXXX XXXX agreement ( XXXX ) was executed in 2007 with a {$81000.00} lien on record from XXXX XXXX XXXX ( XXXX ). Today XXXX is no longer in business and no one can remove the lien. I 'm not being billed for the {$81000.00} but the recorded lien wo n't go away. 
Caliber Home Loans has offered a {$150000.00} loan at 3.99 % over 30 years with the {$81000.00} lien still on the property, I requested a 20 year quote ( for 10 years of payments made ) and the process has stalled - XXXX XXXX ( XXXX # XXXX ) said the {$20000.00} loss on tax return XXXX unit property was problematic, he requested my wife 's financial information although she is not listed on the property or the loan, it was sent XXXX XXXX. My retirement income, 4 year history as XXXX, wife 's employment income and investment portfolio clearly supports liquidity, profitability, and solvency i.e. on ongoing good credit risk esp. at a reduced interest rate. The balance of the current mortgage is {$140000.00}, the {$8000.00} difference is Caliber 's refinance costs yet the transaction is entirely internal. 
XXXX XXXX ( XXXX # XXXX ) stated the computer system was down XXXX XXXX and he 'd call back once online, he never did. My calls have been unanswered. 
This process has taken too long with questionable actions. I want Caliber Home Loans to remove the {$81000.00} lien and I want a 20 year mortgage refinance rate ( less than 4 % ) reflective of my XXXX credit score and history of timely payments to Caliber Home Loans.
Consumer complaint received 2017-01-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I asked for GAP insurance but was blindsided with a cheap warranty from XXXX. Now that the lease is totaled out by my insurance, XXXX wants me to payoff the remaining XXXX dollars that my GAP insurance was supposed to have covered.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NE)

My husband passed away XX/XX/2016. The estate was settlement the deed to the property was transferred to my name by my attorney. I contacted Quicken Loans in XX/XX/2016 to notify them of the change to the deed and asked that my deceased husbands name be removed from the mortgage statement. They told me once they received the death certificate they would make this change. The death certificate was sent and yet another statement arrived with my husbands name. Despite several requests to make this change and complying with the required documentation this change was still not made. I was married to my husband for 57 years and and still grieving. To receive this statement every month with his name on it is overwhelming and heartbreaking. I called Quicken again today and spoke with XXXX XXXX and she indicated the only way for me to get my husbands name off the statement was to refinance the loan. I ca n't imagine why I would have to pay the expense of refinancing just to get the name on the statement changed. My daughter told me that is not correct. After talking to a senior representative my daughter was told that this can be done and she was sorry that I was given wrong information. How many other XXXX grieving for their spouse have been mislead and possibly paid the expense to refinance to remedy this simple issue? 
In addition my husband told me that if he passed away the house would be paid for because he has PMI to pay off the loan. The Quicken loan statement shows PMI/MPI and a charge of $ XXXX monthly. When I called to inquire about the insurance to pay off the loan they said I did n't have this. Why does the statement show they are collecting a fee for this when I do n't have this insurance. It is very misleading. Imagine my devastation and heartache to find this out. Based on the misinformation provided on the process for changing the name one the statement I have serious doubts I was given the right information about the insurance. It is very troubling and my hear is heavy with grief. Is there some way you can investigate these practices. I am sure I am not the only XXXX this has happened to.
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage servicer changed to SPS in XXXX and there have been nothing but problems ever since. 

They do n't process my payments correctly They printing erroneous statements They refuse to answer questions They refuse to XXXX me the record of my past payments. .. 
Now, they are illegally changing the interest rate and payment amount every month when that is allowable only once per year ... .. 

It 's outrageous!!!! 

I 'm XXXX. Never missed payment in 16 years. 
I want them fired ....
Consumer complaint received 2017-01-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Resource Management Group (SC)

I got a call from XXXX on XX/XX/XXXX, Employee ID XXXX contact XXXX or XXXX. Case number XXXX. That if I did n't pay the full amt of {$1400.00} or {$340.00} that there would be fraud charges filed. I told him that I called XXXX the day the check was due and spoke with the location manager, and told her that I would be in on XXXX to pay the check because I was still at work. She told me she was going to deposit the check no matter if the money was there or not.