davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Good afternoon, My name is XXXX XXXX. 

On XXXX XXXX My ex husband walked into a Wells Fargo branch in XXXX Texas and withdrew {$26000.00} from a joint bank account that only had {$760.00}. This withdrawal was authorized by the bank Manager XXXX XXXX. The account now has an outstanding balance of {$25000.00}. I currently work in XXXX and have spent 3 weeks trying to find out how this was possible. Two days later, my personal and separate bank account was frozen by the same manager that authorized the withdrawal. My attempts to contact XXXX XXXX XXXX have failed as I am transferred multiple times and informed she is on vacation or not available to take my calls. The actions of this banker made it impossible for me to pay bills, put gas in my car and buy food. My attempts to contact other wells fargo branch executives have been met with multiple phone transfers ending right where I started. I have spent 3 weeks playing this cat and mouse game and what seemed like a ray of hope when I sat with a Branch manager in XXXX, teling me the bank was wrong in doing so and that they would follow up with the " resolution department '', later ended in a phone call that once again told me I was responsible for making payments to this balance. I recently received a letter from Wells Fargo Overdraft Deposit Collections and Recovery Department informing me that the money in my frozen account has been used to off set the outstanding balance. When I called the phone number provided I was informed there was a note from XXXX XXXX XXXX stating it was ok to go ahead and off set the balance. To date I am yet to receive a return phone call from the Bank manager, who continues to practice as a banker in the wake of ruining lives. I am out of options and as a result of these transactions I can not afford an attorney to take a major corporation to court.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Once again I have been trying to get a loan modification on my home for a year and overtime I would submit information that has been sent back for the same information submitted. I have submitted information in duplicate and triplicate. This has been a very XXXX frustrating dilemma for me and my family to say in the least. Wells Fargo has never given me an answer instead they have kept moving the sale date and asking for the same information. The last piece of information was a explanation from my XXXX who had a major XXXX XXXX and has been hospitalized since the XXXX week of XXXX. Due to this affection I was unable to get the information requested. I tried to explain it to my rep, what transpired but he stated unfortunately their was nothing that they could do. This has been ridiculous on how I have been treated through this whole ordeal. Regardless whatever they asked for I would bend over backwards to submit. Hopefully you can understand how I feel having to go through this for a year. All I ever asked from Wells Fargo was a chance to get a trial modification to work on saving my home, but it seems like hey have a vendetta with my loan and the games that they are playing are really affecting my family 's well being. I also am in a class action suit against Wells Fargo on sub prime loans which they dropped my principal but again they raised it. Enclosed you will find the information that has been sent to Wells Fargo. Since now I am facing a XXXX XXXX sale in which they did not postpone I need the current situation to be amended so that I can save my home. Attached you will find information that proves I have complied with Wells Fargo. My prior as number is XXXX. This is my second filing due to the fact I had been told on numerous occasions that underwriting had everything that they needed but always needed the same thing that had been submitted. Enclosed you will find the numerous times that they have assured me that they have everything that they needed to move forward as well as a list of items documented in duplicate and triplicate.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo continues to collect overdraft fees on my checking account even though I have requested a freeze as there has been money illegally taken out of my bank account after I had written XXXX checks. i call and ask for solutions and they are unable to assist me in any way. I have experienced poor customer service, a significant amount of money collected by them and no consumer protection from Wells Fargo. 
I deposited a check last week and ws not informed a hold would be placed on the funds so wrote another check. They collected more overdraft fees as a result of this and will not look into the issue further.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I have a mortgage with Ditech Financial. On XXXX XXXX, I had damage to my home, causing an insurance claim. The claim was covered and the insurance started sending me checks right away. My mortgage company insisted on managing the funds and dispensing them as they were needed. I understood that and had no issues with that so I sent the funds to them. They sent me a check for the first {$10000.00} but no one told me it was coming so I was pleasantly surprised. Unfortunately, no one also told me that they were awaiting a series of forms from me ( that they also had not sent ). I called to make sure they had gotten what I had sent over already and asked them if anything else was needed. This was probably about XX/XX/XXXX. They said they were still waiting on some other forms and could n't release any other funds until that was received. I asked them to send me the forms that they needed filled out and I 'd get them finished. I received the forms about a week later and had them finished and sent a few days later. The company received them on XX/XX/XXXX. The company policy states that they take 7-10 business days to process the mail. That means I have to wait until XXXX for them to even read my forms that I sent. The biggest concern is that my contractor is at a total standstill and ca n't perform any more repairs until more funds come in. In addition to that, the insurance stops paying for the hotel tomorrow and I still have no kitchen. I called today and asked if anything could be done and the girl on the phone said that is policy and I have to deal with it. Unfortunately, apologies and policies are not legal tender at the hardware store so I 'm still without a kitchen and Ditech does n't give XXXX about it. I asked to speak with a supervisor and the girl on the phone said no supervisors were available and said I could leave a message to be returned in 72 hours. I told her that was not an option so she transferred me anyway. That 's more just general nonsense, but the main concern is that this company has {$30000.00} that belongs to my contractor and myself that they refuse to dispense because THEY did not advise me that they needed something. Long story short, they failed, I suffer.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

Equifax is reporting a public record on my credit file. I have disputed this item and they have verified the item. 

I request a detailed Method of Verification be provided within 15 days of receipt of this letter for the aforementioned account complete with the following information : Name Business address Telephone number of the person or business contacted during the investigation. 

If a detailed Method of verification can not be provided please delete this entry as requested. If your credit reporting agency refuses this request, I intend to sue for willful non-compliance under FCRA 616. In addition these accounts are negatively affecting my credit rating. I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please correct this information and update my file immediately.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I am so stress out, I spoke to supervisor XXXX and she would not help me. I told XXXX never file a dispute because I will change my score. I ask them to cancel it. I finally see the update on the cancel account from Equifax and they change the comments to collection and the took off the payment history making sure there is no way for the anyone pulling my credit to know what really happen to my account. This account was pay off in XXXX. And there is payment history to show that. That trying to blame XXXX when I simply ask them to put the account back to the way it was before the did the dispute. Because they did it this way my score wo n't go back to the XXXX before they did a dispute. Now it is staying a XXXX and they said they ca n't do nothing now I have to talk to XXXX even thought the changes they made was done by Equifax not XXXX. I believe they are punishing me for complaining about them. I also told them I can send you the account before you Equifax changed it so they can put it back the same way it was and they said it do n't matter. We do n't have to report a payment history. I ca n't believe they have to power to make changes that will hurt me when they could just change back to what it was before they did this. Please help me Equifax is treating me unfair. I attached the account before Equifax did a dispute I it had a payment history, and different comment and my score never when back to the way it was. Equifax is violating my credit report causing me not to get funding. Accounts history is very important for a lender to know. Something that happen 4 years ago is not going to be to same as something that happen 1 year ago. The way Equifax changed it there is no way for the lender to know. Equifax clearly knows this so why would they aloud this account to be reported this way. If it did not make a differents then way my score did not change back the way it was. This was no other changes on my credit report but that account. Before dispute reported date say XXXX/XXXX/XXXX, they new way they reporting account XXXX/XXXX/XXXX. The comments are different and one had history. Everybody knows payment history is how your account gets judged. There is none. It just say collection and that is it.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX XXXX, I initiated a dispute with Transunion via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Transunion is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. On XXXX XXXX, Transunion sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.
Consumer complaint received 2016-07-27
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

After my mother passed away in XXXX, 2016 I received XXXX from her will. I asked my accountant what he thought I should do with it. He recommended that I should put it into tax free municipal funds. The XXXX was initially put into my checking account at TD Bank. I went into a TD Bank branch and a customer service representative told me that he could help me with tax free mutual funds. He ended up putting {$180000.00} not {$190000.00} into a life insurance product from XXXX XXXX XXXX. He got my signature on pages that were misrepresented as tax free mutual funds. I returned to the same TD Bank branch and found that that same representative no longer worked there. I went to the branch because I needed some funds for medical expenses ( I have XXXX XXXX ) and educational expenses for my son in college. I found out that I do n't have any tax free mutual funds but an insurance policy. I believe that I was given the wrong information by TD Bank and lost XXXX to a product that was misrepresented.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WA)

I called Convergent Outsourcing INC ( XXXX XXXX XXXX XXXX XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to XXXX different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was Diversified Consultants IN ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX 's and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
Consumer complaint received 2016-12-25
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello, I was charged interest despite playing all amounts in full. I did n't realize that my interest free period was expired on XXXX, but automatic payments happen at end of the billing cycle. 

This is an unintentional mistake, please waive my interest amount just for this time. 

Regards, XXXX XXXX
Consumer complaint received 2016-09-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WELLS FARGO & COMPANY (AL)

To Whom It May Concern, My name is XXXX XXXX XXXX XXXX. In XXXX XXXX, my Father XXXX XXXX expired, and on XXXX XXXX, I open up an Estate Checking Account via Wachovia Bank with Account number XXXX. Which is now Wells Fargo Bank, with Account number XXXX. On XXXX XXXX, XXXX there was a INTL WIRE FUNDS TRANSFER wired from my account XXXX without my Authorization. The amount was {$25000.00} Dollars, on my original Bank Statement it shows the Funds were transferred to XXXX. The person that received this transfer was XXXX XXXX whom I do n't know or ever heard of. This is the transfer information that 's on my Bank Statement REF/RFB # XXXX, ADVICE CODE : XXXX, Time of Transfer:XXXX ET. Also the bank ( Wachovia- Wells Fargo ) AUTHORIZATION AND SECURITY PROCEDURE : which rules and procedures include a requirement for you to sign a " FUNDS TRANSFER SCHEDULE A '' which I did n't sign any such document for my money to be transferred. The Bank Manager of Wachovia at the time was XXXX XXXX, she also told my husband and I that she had people in XXXX, and some times she goes there for vacation. I would like to say again that I did not Authorize this {$25000.00} dollars to be transferred from my Account. Also on XXXX XXXX, XXXX someone used my Bank Debit Card and took {$730.00} dollars off of it. But Wells Fargo has credit this back to my account XXXX this was done XXXX XXXX. I need Wells Fargo Bank to honor this FRAUDULENT WIRE TRANSFER, and credit my ESTATE of {$25000.00} dollars that my Father left me. They can send a Check to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX or Credit it to my Wells Fargo Account XXXX. We thank you in advance for looking into this matter for me. 
XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

I have this mortgage with Shellpoint Mortgage Servicing I ask them for loan modification. when I call them. they said that they will make my loan late but is will reversed once the modification was done. All was over the phone but when all was done they did not honor that. 
But I notice that on my credit report show XXXX 120 days late payments but the month has only 30 days. 
( see included copy of the account ) and one month they report late on XXXX credit bureaus and XXXX current. Once again 120 days. when is only 30 days on a month.
Consumer complaint received 2016-12-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2016, I requested and authorized Chase Bank to perform a wire transfer of {$10000.00} to XXXX XXXX XXXX and have the {$10000.00} deposited into the account of XXXX. The money was transfered to XXXX XXXX XXXX but not deposited as instructed into the account of XXXX. I was later told by XXXX XXXX XXXX XXXX that XXXX XXXX XXXX would not release my money until I sent them a notarized letter stating that I authorized this wire transfer. Also, I have been told that there are two more transfers made on XXXX XXXX, 2016, to the account of XXXX that are also being held hostage by XXXX XXXX XXXX. 
When I asked who to talk to at XXXX XXXX XXXX, I was told that XXXX XXXX XXXX refused to contact me to inform me of the situation and what was needed. Therefore, I went to my banker at Chase Bank to ask for help and my Chase Banker offered to help. I requested through XXXX to have XXXX XXXX XXXX contact my Chase banker ; however, XXXX XXXX XXXX refused my request. So now, as a home business owner, I am losing sales opportunities during the holiday season and I feel that I am being used as a scape goat by XXXX XXXX XXXX to cover up their own screw-up. That being the case, I am now compelled to write a letter stating that I authorized the transfer and then pay additional expenses to get this letter notarized. The wire transfer is supposed to be a expeditious method to transfer funding. It has now been thirteen days and counting to complete this transaction because a middle man decides to dictate changes to the rules of engagement. I gave my authorization to Chase Bank when I signed the wire transfer documentation. Does XXXX XXXX XXXX think there is illegal or fraudulent activity occurring with this transaction? If so, why have n't they contacted my bank and the legal authorities. Instead they are holding my funds and making money everyday they do n't deposit it as instructed. Why are they refusing to communicate with my bank or me? Because everyday they hold on to my funds, they are making money on it. 
Hence here is the statement that XXXX XXXX XXXX is demanding before they will release my funds as directed in the referenced wire transfer instructions : I, XXXX XXXX, XXXX, on XXXX XXXX, 2016, authorized Chase Bank to withdraw {$10000.00} from my Chase account and wire the said {$10000.00} to XXXX XXXX XXXX for deposit into the account of XXXX. I am directing you, XXXX XXXX XXXX, to release and deposit the said funds as instructed via the wire transfer ( XXXX, XXXX ) into the account of XXXX forthwith.
Consumer complaint received 2016-07-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Corporation (SC)

I am being repeatedly contacted by RMC about medical debts that I have either paid, insurance paid or these belong to my son. I have provided documentation numerous times to RMC to clear up the matter and I still receive threatening calls daily from them. They threatened to have me arrested and said they were having me arrested for fraud.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

I was offered an expedited loan modification by the servicer for my mortgage Seterus Inc loan XXXX in XXXX of 2016, I was told that the modification would go through once I made XXXX consecutive payments. I have made all the required payments ( XXXX, XXXX, XXXX ) as well as payments for XXXX, XXXX, XXXX and still I have not received the final document and the modification has still not gone through, I have called the company several times and each time I call I am told that it is being processed -- -the issue has been escalated and yet nothing changes and words on when the process will be finalized
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

CFPB : PLEASE BE ADVISED, THIS IS NOT A DUPLICATE COMPLAINT. I AM RESPONDING BACK TO EQUIFAX IN REGARDS TO A WRITTEN LETTER THAT THEY SENT TO ME VIA THE U.S. MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. THANK YOU. 


Equifax Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent 5 previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Equifax to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA, and the FDCPA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, XXXX XXXX