davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (PA)

Requested XXXX refinance mortgage from Wells Fargo. I was told because I was reported late in their internal system, on my current VA mortgage that I could not proceed with the refinance. Even though I was reported current on my credit report and I have an email also advising me from Wells Fargo that I was reported current. Then after 6 weeks I received a letter of denial stating product/program not available. Well that is not true. It is available and it is available to all VA mortgage holders who are reported as current on their credit report with a current VA mortgage which I have. 
The letter then advises my credit score was unavailable- that is not true- my credit score is available and Wells Fargo did not run it- I have a fraud alert on my report. Wells Fargo needed to only ask a few questions to verify who I was and make sure I was the XXXX applying. 
If I was n't a Wells Fargo customer already and they would have run my credit and verified my timeliness of my mortgage payments. I was reported late in their internal system due to a technical error, I paid immediately, the late fee was removed, I was reported current. 
What other basis Is needed? 
This is discrimination at its finest- Because of the type of loan, low cost va-refi no cash out Then I show them all the XXXX rules Wells Fargo sent me all the loan papers at XXXX without even telling me the rate. 
I asked for a XXXX because a competitor has offered me that, and our current credit union was lower I sent proof of the rates offered. Then weeks later after I called and called, I finally called from a work line and informed who I was then I was told - I 'm so Sorry we ca n't help you- and I could n't even finish a sentence for a why? before she hung up on me - it 's absolutely ridiculous that I have to put up with this. 
It is n't fair- if they run credit on all non-wells Fargo customers they should run it on all internal Wells Fargo customers and they would have seen I am classified as " very good '' border line '' excellent. '' And they would have given me the time of day- maybe? I do n't know because I was treated like XXXX the entire process when they found out I wanted to refi no cash out at XXXX the closing costs were also on .05 % -- so you tell me? Is this fair?
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IL)

A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (MN)

On last week, I contacted Synchrony Bank, for my XXXX XXXX XXXX card. My recent statement jumped from a minimum payment of {$370.00} to {$580.00}, of which I was alarmed. I contacted Synchrony Bank and talked with the customer service representative and the supervisor to see if they could get my payments lowered, adjust the interest rate or keep the payments where they were around {$400.00}. They told me no. I contacted them again today XXXX, and they told me no. I told them I would report this to the Fair Credit and CFPB. The interest rate they quoted me is {$29.00}. Almost 30 %, which is outrageous and they said there is no negotiability. I asked if I could n't make the monthly payment, then what happens and they said I 'll be paying late fees and a much higher monthly payment. Something must be negotiated here. I am struggling month to month, I am able to negotiate other cards and even student loans but not this card. I make my monthly payments on-time and I feel like I am being penalized, I have suffered a death and I am just overwhelmed in grief and financial responsibilities that go along with it. If you could help me in any way to get the payment lowered or lower the interest rate I would appreciate it. Thank you for your time. Sincerely, XXXX XXXX email : XXXX
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar manipulated my property into foreclosure by continuing to purposely advise me to submit for a loan modification knowing upon the first submission, my loan did not qualify. This deliberate action has forced be to file for bankruptcy to stop any further foreclosure action. My loan was previously modified with XXXX prior to its transfer to Nationstar in XX/XX/XXXX. I was experiencing a temporary financial setback and not able to pay the $ XXXX monthly payment in full. I could only make partial but steady payments. I immediately notified Nationstar. A 90 Day Right to Cure Letter was included in the Uniform Borrowers Packet dated XX/XX/XXXX requiring {$3500.00} to cover XXXX and XXXX due by XX/XX/XXXX to avoid foreclosure. XXXX applied a total of {$5500.00} in payments from XX/XX/XXXX to XX/XX/XXXX, which paid the account up till XX/XX/XXXX leaving a balance of {$260.00}. When Nationstar began servicing the loan, a payment in the amount of {$500.00} was processed on XX/XX/XXXX and a payment in the amount of {$1300.00} was processed on XX/XX/XXXX. These payments should have paid the account up to XXXX with a {$310.00} balance, which technically cured the default. My first denial was on XX/XX/XXXX. Then I received a refund check onXX/XX/XXXX for {$760.00} with no explanation. When my payments were no longer being accepted, I called Nationstar. I was informed my property was in the foreclosure process. This is also when the new XXXX XXXX Flex Modification was mentioned and I was encouraged to submit a borrowers packet to be reviewed. A few days later came the attorney letter. After researching, I discovered Nationstar returned only the {$500.00} payment along with the {$260.00} balance. I received a call from Nationstar in XXXX advising me I was now eligible for the Flex Modification, my account was now 8 months in arrears. I received the 6th denial letter and was advised no options available but a deed in lieu, short sale or self sale. I was forced to file for bankruptcy.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : Transunion XXXX XXXX XXXX XXXX disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. Transunion along with XXXX and XXXX have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (SC)

I was traveling to XXXX from XXXX. Upon returning home I saw that my checking account was {$12000.00} short due to XXXX transfers out of my account ( XXXX for {$7000.00} and XXXX for {$5000.00} ). I did not authorize the transfers and immediately contacted my bank, Sun Trust. They opened a fraud investigation, I signed paperwork, and they stated that I should have the funds replaced within 10 days. Two weeks later I checked my account. The {$5000.00} was replaced but the {$7000.00} was still missing. I went to the branch. They said the {$7000.00} had been put in the account but was transferred out again, another case of fraud. Said they would expedite and I should receive the funds within 24 - 48 hours. After another week I check again and still no {$7000.00}. Now it has been over 20 days since funds were fraudulently taken from my account. Go into the branch and representative calls the fraud department who says they have to open a new fraud case and it will be another 10 days before the money is put in my account. Assuming it gets done again, and the money is n't immediately stolen ( why ca n't they put a flag on the account and not allow any debits?? ), it will be over 30 days that the {$7000.00} has been gone. i have attempted to escalate this but get no where. Please help.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TFS FINANCIAL CORPORATION (OH)

I would like Third Federal Saving and Loan to respond this question ONLY I am a woman ( NOT AN ENTITY ) who participated in a CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC (FL)

I recieved a notice that a medical bill ( wrongfully ) went to Bay Area collection agency. I contacted the collection agency as per the notice. The person I spoke to was rude and tried to push me into making a payment right then and there. When I explained my situation ( grieving the bill with my insurance company ) he tried to make it sound like I was refusing to resolve the debt because I was not going to make a payment that very day. I asked him about a payment plan and was told the amount of money I could afford ( {$50.00} per month ) was insufficient and that if I did not pay it off in 4 - 6 months ( {$1000.00} per month ), they would send it to further collections and possibly onto my credit report regardless of being on a payment plan. I did not make a payment that day because I wanted to call the billing department and my insurance to determine what was going on. I recieved 6 more calls from them over the course of two weeks. Each time thay I answered, I said I could pay {$50.00} per month and was told again that it was not enough and that I needed to " look at it from the business aspect ''. They did offer a {$600.00} discount if I paid in full, but I can not afford to pay {$5500.00} in full. I finally managed to get on a payment plan for {$50.00} per month under their terms that it was auto debited every month, but was told that this payment plan would only last through XX/XX/XXXX ( 6 months ) before they send it into further collections which could possibly hurt my credit score. Calling 6 times over the course of 2 weeks ( two of those calls in a matter of a few hours ) is completely unnecessary and embarassing when I am having these conversations infront of my family members, especially considering I have been trying to do what I can afford to resolve this debt and every time have been told " you are clearly not interested in fixing this problem. '' I am a mother of two who accumulated this debt from an XXXX XXXX that quite possibly saved my life. I am a real person with real responsibilities trying to make ends meet and do not appreciate being told that what I can afford is not enough and I do not appreciate being harassed when I am clearly trying to fix this problem with what I have. Luckily, I am a XXXX and off for XXXX, otherwise these calls would have been recieved infront of my students and collegues.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (GA)

I noticed I have been getting charged for Payment Safeguard service that I did not sign up for. This is not the first time I have had citibank charge me a fee like this. I cancelled last time. But I did not authorize it either time. I did n't notice at first b/c my accounts are on auto pay.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I had funds being transferred from XXXX to XXXX to a chase checking and some of the money was not accounted for ... I originally filled a complaint with the OCC and they in turn handed it over to the FBI finance division who apparently sent me a letter to an address I do not live at and it was returned. Now with out the special file number on the letter I can not get the information. I called the FBI who gave me the finance divisions number who in turn said no information with out the number on the letter. I asked them to resend the letter and they said no go without the file number in this letter. What to do? Need I say more! So how do I find out if chase was responsible for the account errors? This was in 2012 Thank you
Consumer complaint received 2017-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

I asked the company verbally as well as in writing via CFPB to STOP ACH withdrawals from my checking account. They also harass by calling  6-7 ti mes per day from out of state numbers and not identifying themselves on the voicemails. I return the call the reps are extremely rude and hung up on me.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

On XXXX XXXX, 2017 I sent a certified letter to Experian, XXXX, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
Consumer complaint received 2017-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

In XX/XX/XXXX of 2006 we took out a " home equity '' loan from a company call XXXX XXXX a division of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Yes, we were XXXX. I 'll get that out right off the bat. But, this was all so questionable/illegal, at least in my opinion. <P/>They valued our house at {$170000.00}. Our house was never worth that much, ever. They somehow made that number up. we only paid {$120000.00} for it. This has to be illegal. to over value a property so they could loan {$40000.00} on it 's supposed equity. we had only had the house for a few months so there was no way there was {$40000.00} in equity in it. <P/>then, the original loan papers said the interest rate was 13.5 %. what happened next has to be illegal too. XXXX XXXX, which is actually owned by HSBC mortgage, " sells '' the mortgage to HSBC. then the interest rate goes up to 18.574 %. <P/>We have paid {$53000.00} on this {$40000.00} loan. from the original contract, they expected to be paid {$110000.00} for the loan. Now, we did XXXX sign that paperwork, but the load never should have been made on a house that was purposely overvalued at {$170000.00}. there has to be some remedy for this predatory lending. It is killing us.
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as XXXX XXXX, XXXX, XXXX XXXX. I have also filed an FTC Id Theft report.
<P/>
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Benuck & Rainey, Inc. (WI)

I took out a business loan for some XXXX  equipment back in 2014. I unfortunately had to move the business to Wisconsin and the business failed. I kept making my monthly payments until some issues came up and I informed them I would be missing about four payments. Even though I informed them ahead of time, they chose to send my account to collections with Benuck and Rainey. For three years, I made my agreed upon payments, on time, bi-weekly, for the agreed to amount. I made every payment and made every payment on time. I attempted numerous times to get XXXX XXXX XXXX via Benuck and Rainey to settle for large amounts but they declined every attempt. I still kept making all my payments and making them on time and for the agreed to amount. I recently found on a credit report that even while I made all my payments and made them on time, XXXX XXXX  was reporting to the credit agencies both delinquent and non-pay every month with NO NOTIFICATION TO ME and while still taking my payments and denying all my settlement offers. I now have paid 7 times what the equipment was originally worth.
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

I have routinely gotten collection calls for a XXXX or XXXX XXXX at my home phone # ( XXXX ) XXXX for several years. I am not XXXX XXXX and I do n't know a XXXX XXXX. I have told this to the callers, but eventually after some time, the calls start again. The latest from ( XXXX ) XXXX started just this month, XXXX robocalls XXXX, XXXX & XXXX. Although in XXXX, I got XXXX calls asking for a strange name and told them they had wrong number, where upon they told me they would correct their files. 
I called the number this morning asking that they verify this debt as I want to get to the bottom of this, so I can stop this harassment once and for all. This person was the one that told me the person 's first name was XXXX. She also said that maybe this person used my home phone number as the reason I getting these calls. She then referred me to ( XXXX ) XXXX I left a message there, asking that they send all documentation to my office fax or email. I also sent an email to this company, Receivables Performance Management, asking for the details. Again, I want all of these calls to stop and if I know who the original creditors are, I can deal with them directly. As I am the one getting the phone calls for this woman, I have a right to know why.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.