davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Loan No : XXXX Property Address : XXXX , AZ XXXX Consumer Financial Protection Board Since XXXX, I have in six occasions applied for a loan modification and in each occasion the loan modification has been denied for what I believe is not enough reason or evidence for the denials. In two occasions I have file a complain with the Consumer Financial Protection Board. However, no resolution of this case has come to fruition for me as a consumer. The case numbers for my prior complaints are XXXX and XXXX. 

We are requesting that XXXX and its servicer Bank of America modify this loan to acceptable terms in the industry ( 40 years fixed rate at 4 % or lower ). We are currently paying a rate of 5.625 % 20-year fully amortized loan. After having paid without missing a payment interest only at a rate of 5.625 % for 10 years. I am currently unemployed and for the first time in 10 years, I was forced to skip a payment XXXX XXXX, I will not be able to pay XXXX XXXX either. We had to replace the AC unit at a cost of {$5000.00} dollars. Fact that escaped the underwriters at Bank of America having shown proof of these facts. The underwriters also dismissed the fact that the loan also recast in XXXX XXXX. This fact, was not taking in consideration and the only solution they want is a Short Sale on a property I bought with 25 % down payment. Bank of America 's underwriters insist that there is no evidence of hardship. Underwriters also state that we have over {$25000.00} dollars in liquid assets. Fact that is not factual as I discussed at length with Bank of America Relationship Manager. 

I will greatly appreciate your assistance in fulfilling your charter as a Consumer Protection Agency. 
XXXX XXXX
Consumer complaint received 2017-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (SD)

I made the  XXXX     2017  payment. US Bank stated I did not make the payment.   XXXX  I provided a canceled check showing them cashing the check and receiving the funds but they refuse to credit the payment to the account.   XXXX  They are now reporting me late to the credit bureau and charging late fees.   XXXX  I filed a dispute on  XXXX . They said it would be fixed and resolved by  XXXX  but as of  XXXX  after spending  40  minutes on the phone it 's still not solved.
Consumer complaint received 2016-10-16
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: Neon Newco Corporation (AZ)

I had an issue with my account due to a duplicate transaction. The credit card company charged me an overdraft fee and assured me that it would be refunded once the dispute had been resolved. Once the dispute was resolved I noticed that the overdraft fee had not been refunded. I contacted Netspend to make them aware of the issue and both agents were rude and unhelpful. At one point of the call the representative told me that she would have to hang up because the call was taking too long. I then asked to speak to a supervisor for further assistance. Netspend is telling me that they refunded the money, but when I ask them to walk me through it they wo n't. The information I have online does not match what they have in their system. They claim credits have been issued to my account that I can not see. I do n't think that this is fair to me as the consumer, I also do n't like how the customer service reps treated me.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I deposited {$1000.00} into my checking account. I am a multiple times per day user of the Wells Fargo app, which I use to verify funds availability for my purchases. I made a string of purchases with my money, checking each time a transaction went through, and proceeded as normal. On the morning of XX/XX/XXXX I awoke to find XXXX NSF fees on my account. 

When I approached the teller at the XXXX branch on XXXX, I was met with a very rude woman who refused to help me in any way. She told me to call the XXXX number on the back of my debit card, which I did numerous to no avail. I then went to the branch on Vermont and spoke with a assistant branch manager who again was rude, but reversed XXXX of the fees, and stated he could do no more. He again directed me to the XXXX number. 

My account is now balance is now in the negative by {$550.00}. This is an absurd amount, as I WAS NEVER OVERDRAWN TO BEGIN WITH. Wells Fargo has used manipulation of how they post charges and deposits to my account in an effort to increase their bottom line. I refuse to put money into this account until they make it right and remove these fees ; consequently, they are once again trying to put through charges and now I am at a loss. They are destroying my life and they could care less. 

This is precisely the behavior that led us into a recession in 2007, and they are still at it today, as if nothing happened. Worse, they are discriminating against me due to the tyoe of account I have. They are criminals, and they need to be held responsible for their continued unscrupulous behavior.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Without warning USAA restricted my account access despite still being paid. They then proceeded to cancel the majority of my accounts without notice or reason and have refused to provide documentation. Despite all this my accounts which are still open, auto loan, checking, auto/homeowners insurance and ID theft and credit monitoring service which are all current and paid for have been restricted and I am unable to pay, view, file, or do anything with these accounts.
Consumer complaint received 2016-07-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am currently attempting to modify an existing XXXX mortgage ( HELOC ) that will be maturing around XXXX/XXXX/2016. The loan is currently serviced by Specialized Loan Servicing LLC or SLS. I 'm attempting to get an extension of the maturity date of the second mortgage since my home is currently underwater in order to avoid a foreclosure or short sale. In the 10 years I 've had this mortgage I 've never once been late, on this second or the first. I began the process of modifying/extending my second mortgage nearly 7 weeks ago with essentially no progress being made during that time, even though I have provided SLS with all the documentation they have requested thus far. I have sent them my pay stubs 5 times now, with each time SLS claiming they either did not receive them or claiming they were unreadable. I receive no feedback from my single point of contact when there is a problem with any of the paperwork, with the responsibility being on myself to constantly call them to status my paperwork. I do not necessarily have a problem calling them to stay on top of things, but the problem with SLS is that they do not answer in bound calls. When I call my single point of contact, XXXX ( Teller ID XXXX ), all I get is an option to arrange a call back. Call backs typically happen two days later, which results is big delays. The biggest issue I 'm facing is that as this process gets drawn out by SLS, paystubs and other documentation become stale and then needs to be resent. On Thursday XXXX XXXX I had my last conversation with XXXX, where she informed me once again that the paystubs I faxed in were hard to read. Prior to that, I had overnighted the paystubs at my own expense, with one time them being lost and the other them becoming tale due to the inaction of SLS in advancing my request. During this last conversation, I expressed my frustration with both her and SLS. She informed me that she is currently assigned over XXXX accounts/clients and does n't have the time to call me back or stay on top of my file. At that point, I requested a call back from a supervisor. As of today, XXXX XXXX I have still not received a call back from her supervisor. In addition, I have called numerous times requesting a call back from XXXX but have not received a call back from her or anyone else at SLS. I am growing frustrated and scared because my loan maturity is now only 4 weeks ago with no sign that SLS is capable of advancing my request. Please help!!!!
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

Iam writing to file a complaint regarding inaccurate items on my credit report that was still reported in despite of my previous ( 2 ) request and kindly request your assistance in getting them to removed. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate removal of this violation and compensation for the damages caused and thorough investigation into this violation and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These Charge Offs, Accounts Included in Bankruptcy, and Public Record should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are still On my credit report. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. 
Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. - Thoroughly and diligently investigate the inclusion of these accounts on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. These mentioned accounts with no balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These charge offs account on my credit report, despite having a XXXX balance, is causing excessive distress and severely tarnishing my credit score. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report.
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

There was fraudulent activity on my HSA ( Health Savings Account ) card from XXXX XXXX till XXXX XXXX. This card was issued by Chase Bank and funded by payroll deductions and employer contributions. On XXXX/XXXX/XXXX I became aware of this activity after observing lower than expected remaining balance while making a payment for a health service. Since there is no monthly statement sent per the card issuer 's policy there was limited means of discovering this fraud earlier. The same day of discovering the fraud I informed Chase Bank of the same who recorded this information and mentioned that I 'll be contacted later. I was later asked to send dispute information in writing which I promptly did. 

In the meantime I also contacted the merchant from whom the charges were being sent to my account. I informed them of the fraudulent activity and discovered that there was a fraudulent email address that was on file with them to which they had been billing 4 times monthly since XXXX XXXX. They cancelled the fraudulent membership ( XXXX of them ) on my card and refunded charges for 3 months only. 
About a month later I received a call from a person with Chase bank who was assigned to investigate the dispute case. She arranged a 3 way conference call with merchant 's customer service department, who then explained the same information about the fraudulent email address being on-file with the merchant. They could not provide any other information. After that for several months I did not hear anything from Chase Bank about the dispute. I patiently waited since I was told that it can take several months to achieve final resolution. I called around XX/XX/XXXX and was informed via automated message that Chase was no longer servicing the account and can not help with any subject matter in that regard. I called again today on XXXX/XXXX/XXXX on a number found from the internet search instead of the number listed on my dispute paperwork and was able to reach a customer service person who informed that my claim was infact denied. In the denial information recorded in account notes, the 3-way conversation with the merchant and fraudulent email address being found on record with the merchant, was n't even mentioned. 

My complaint is that Chase Bank mishandled the dispute and incorrectly denied my claim and never informed me of that denial.
Consumer complaint received 2016-07-18
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Technology Incorporated (CA)

XXXX XXXX and through their agent Collection Technology , Inc. are engaging in predatory collection practices, Unfair Business practices Dealing Ba Faith. 

By internal delaying send proof of settlement agreement in order to place a continued hardship and to protract wage garnishment thereby being unjustly enriched. 


XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
Was told that the case had been reassigned to a XXXX XXXX XXXX ext. XXXX Who then said that they are still waiting for the letter because their proceed is for the client make the agreed upon amount of XXXX dollar after XXXX research it was discovered that the latter was demanding {$120.00} so it was never send. 
I question that since the ordinal approval was for {$62.00} month rehabilitation l payment agreement was approved on XXXX/XXXX/2016. XXXX XXXX request to pay the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pay in an effort to remove the wage garnish which is placing an extreme hardship and causing an undo prolong of the garnish. 

XXXX XXXX stated that that just the way thing are and offer no farther resolutions, then said that she will call when the letter is ready. 

XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. XXXX/XXXX/16 received called from CTI- XXXX XXXX XXXX Ext. XXXX, to accept their rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
1 ) After five voluntary payments of {$62.00} plus the in place garnishment will be released, i.e. 1st payment Due XX/XX/2016 then XX/XX/2016 the Garnishment would be lifted. Note the student and pick any payment date for the following {$62.00} payments. 
2 ) Tax flags requested to lift after the first payment, will take several weeks to complete 3 ) 9 of 10 total on time payments are required to full complete the rehabilitation program. 
4 ) Ordered a copy the Rehabilitation Letter for review which emailed to me. 

-- -- -- XXXX XX/XX/XXXX faxed and emailed to CTI Completed : attn. : XXXX XXXX Financial Disclosure for REASONABLE and AFFORDABLE Rehabilitation Payments
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One 360 is my retail bank. XX/XX/2016, the bank began rejecting my attempts to deposit checks to my savings account. For more than six years before that, I deposited electronically without incident. I have corresponded repeatedly with the bank via the Message Center on the Web site since XX/XX/XXXX, and the bank says the tech team is working on the problem. There has been no progress that I can discern and the bank has offered no report on progress. I think two months is ample time to solve this problem.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch  manager   XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize an y one to  use my identity.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX XXXX. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. In addition, I recently received a letter from CItibank telling me the following : I recently received a letter from Citibank stating the following : " Our records indicate that your account was credited {$300.00} on XXXX XXXX, XXXX, for meeting the required terms and conditions for Promotion XXXX. There can only be XXXX promotional offer per customer. Since you have already been awarded a promotional incentive, you do not qualify to receive XXXX XXXX Miles for Promotion XXXX. '' However, I never signed up for promotion XXXX. In addition, I specifically opened a CitiGold checking account using the XXXX promotion code. So, I told Citibank to please go ahead and debit the {$300.00} out of my account, and deposit the XXXX XXXX miles into my XXXX XXXX account instead. However, they are refusing to even do that. They are saying that you have to be " targeted '' for any promotion, even though that is not what they told me previously when I spoke to them several times. Furthermore, I was never " targeted '' for the {$300.00} XXXX promotion, so this goes in direct opposition of what they claim. Finally, I spoke with them MULTIPLE times and they verified that I was eligible and had met all the requirements and that the points would be credited to my account within a few weeks. Now, they are changing their minds.