davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX I pulled up a credit report to find that Wells Fargo had incorrectly reported a foreclosure to all the credit bureaus wreaking havoc on my credit which is still damaged due to this mistake made by Wells Fargo. I sent multiple letters and have received multiple notices from the company assuring me that it would be removed but to no avail. I sent and have copies of the mortgage paid in full and without a flaw on XXXX XXXX, XXXX. I wrote their CEO via email XXXX XXXX and have still not received a reply to permanently remove this mistake from my credit which has gone down since this simply unexplicable mistake was made by Wells Fargo. I 'm writing you so that we can begin the process of remedying this matter once and for all so I do n't have to hire an attorney to sue Wells Fargo. It is absolutely unacceptable that I have had to endure this lie all these months after multiple requests to remedy their mistake. My good name has been tarnished and I want to know how this can be resolved once and for all.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Below is a letter that I sent to B of A today that outlines my problem fairly clearly : XX/XX/2017 Re : Consumer Financial Protection Bureau / Case no. XXXX Account number : XXXX Dear XXXX XXXX, You sent me a letter XX/XX/XXXX ( copy enclosed ) in which you asked me for information that you stated the Federal Government needed to keep my credit card account open. I demurred in giving you some of this information ( for instance, where I worked and what I did ) saying it was none of Bank of America 's business since I had had an existing credit card in good standing. You responded by closing my account, I thought, temporarily until this matter was resolved. However, today when I called your telephone number and extension at B of A ( which number for you and your department had been changed ) and finally got through to someone after a total 90 minutes of waiting on four separate phone calls, I found out that my account was permanently closed and could not be reopened because of the way it had been closed. 

I am writing you to ask you to tell me if B of A reported this account closing to any credit bureaus or consumer reporting agencies, and if so, to provide me with a copy of my credit report from that or any agencies or bureaus. 

I have a number of credit cards and none of those companies required me to give them more information under the guise of the Federal Government requirement. I have had a credit card with B of A for a number of years. Why did only the B of A need me to fill in the XXXX form and the XXXX? B of A already had my Taxpayers Identification Number from when they issued me a credit card in the first place. The XXXX form is kept in house anyway so why the drastic action by B of A? Your marketing department needed the information perhaps? 

Please tell me in detail just exactly what the Federal Government needed to know. This request B of A made was not for a new loan, or new credit card application so was gratuitous in reference to an active ongoing credit card in good account. 

To sum up, please inform me if B of A communicated to any outside agencies concerning this matter. 

Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau, Senator XXXX, Representative XXXX
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions has twice not honored Bill Pay checks with a specific delivery date. This has dropped my credit score and now shows up as a late payment on my record although the arrangement was made up to two weeks in advance. In one month I was charged {$39.00} for XXXX XXXX ( normally a monthly fee of {$9.00} ) and was told I need to go through a formal dispute to correct it. Disputes require information to be faxed ( who has time for that? ), and take ten days to be reviewed. If you are lucky at the end of 16 days you 'll get a letter stating what happened. Why should I have to go through this? 

There have been multiple times where bank errors have caused overdrafts and the bank has refused to refund the fees, even going as far as to charge me {$35.00} for EVERY single transaction that posts after the account is over drafted. Once I swiped my card for items on a Saturday that did not clear on my account until the next Wednesday. Once the transactions cleared my account was {$4.00} short. I was charged {$140.00} in overdraft fees. Normal banks process transactions within 3 days of purchase. Regions processes them whenever they feel like it. 

I have even had a banker call me repeatedly at work the day I received a tax refund to offer me all types of credit cards, after generously telling me how much money was in my account. This is very invasive and I am upset that someone monitors my account to that extent. The list goes on and on. This is hands down the worse bank I have ever been a customer at.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to any all XXXX XXXX XXXX disputes. It puts the emphasis on TransUnion to bar this bank from reporting anything or anything tied to them originally from being reported. This is clear legal language that does not allow such time-barred payments to be reported and the XX/XX/XXXX closing is enough to not drag the investigation on indefinitely.
Consumer complaint received 2016-07-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc. (SC)

My wife went to the hospital to have XXXX. Although her insurance is in my name, the financial responsible person is her. I 've explained this numerous times to them. In doing a little research, this company is notorious for their terrible collection practices. They lied to me to get a judgment on me by telling me they were helping me. There are XXXX accounts showing up on my credit report and all of them are very small except XXXX and all are my wife 's not mine.
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (CA)

After I was terminated by my former employer. The moment my credit card/mortgage with Navy Federal Credit Union fell behind, they completely locked out my online access/phone access to all my accounts. I never received, or was able to access ANY statements for any account. I was enrolled in multiple automatic debits, and paperless statements from my account to numerous other payees. With no access I was unable to find out all the automatic debits to be paid by any account. This caused several automatic debit to bounce and overdraft fees added. This went on for several months, never once did I receive a statement, regardless of how many phone calls I made. I was more focusing on the fact my only source of income was my XXXX, which they decided to use any way they wanted without any regard for the law. The only time I was able to get a statement of my accounts and effectively shut off all the automatic debits. I had to drive over XXXX miles XXXX way, to the nearest branch in XXXX, TX. When I confronted the branch manager about the money they took illegally, she simply stated " I will see that letter, when I see it. '' That is another issue that I will be dealing with. I HAVE NOTICED THEY HAVE CHANGED THEIR ONLINE ACCESS POLICY. You still have access to statements even if you are behind on payments. XXXX more thing, every time I called to request a statement during that time period, the phone call went directly to the collections department who stated they were unable to request a statement for me.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NV)

So I have a litigation going on with my brother and our family company so I paid my credit card off and my brother did stop payment on company check so payments returned Barclays card never contacted me or reached out to me about the returned payment only way I found out is because I called them when my credit card did n't go threw for a purchase they told me my account was closed due to returned payment which by the way is first problem I 've had since I got card i offered to pay out of my checking account instead they said no acct closed I said y would it be closed if I 'm offering to pay returned payment plus more they said they did n't care and they were gon na do a charge off had card almost 5 years and this is how they treat customers wow over one returned payment with extenuating circumstances I thought that they were there to help especially with this type of situation
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (PA)

I was provided a private loan through my school. I have been making full payments consistently since my deferment/forbearance period ended ( some time around 2013 ). Eight months ago, I began making higher than the full payment in order to pay down principal faster. I called at the time I began making payments to confirm that the additional payment would be applied to principal. Because the statements I receive by mail do not describe how my payments are applied ( it just states that a payment was received and how much that payment was ), I have just realized that I have been merely paying future interest off rather than paying off my principal. This is predatory lending in my opinion. 

I have called the XXXX, but have not received a response to date. I can only imagine how many of my colleagues are still being preyed on by this loan repayment program.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

In 1996, I graduated XXXX Iowa. Six months after my mother who raised me on her own, passed away. XXXX informed me due to hardship I could take a forbearance. I was told all that would happen is I would be able to wait until I started my payments on my XXXX loan. I was surprised when XXXX told me I needed to start paying off my now XXXX loan due to interest accruing. It has been 20 years and I am finally back to the XXXX original loan. This loan has caused me and my wife the inability to not move forward with the house we would like to purchase. XXXX/Navient has put financial straint on my life due to them taking advantage of me during a tough time in my life.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I am contacting your agency because I have sent Equifax letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX. Please help me in getting Equifax to remove these liens from my credit file.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Transunion credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and notice that they were connected to apartments that I have never lived at. I am furious at this point.
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

A check was stolen from my purse, forged, and cashed for {$500.00} through an account with Bank of America. It was an obvious forgery that never would have passed a visual inspection. I filed an affidavit of forgery and a police report, but my bank ( XXXX South Carolina ) says that Bank of America is liable for the fraudulent check, and Bank of America says that XXXX is liable. Neither will refund my money.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

agency has accepted settlement and refuse to show the credit reporting changes to my credit : Procollect XXXX, TX XXXX Violating the F.A.C.T Act. they are reporting delinquency of the account in which they have accepted funds. 

They have repeatly change my last date of activity to change when this item is to be removed from my account.
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (MD)

The company XXXX has issued a debt collector, CBCS, to collect on a false debt that has already been paid for. I purchased a ladder from their website online and have records of payment and receipt, they do not ship a ladder unless it is paid for, so there is absolutely no reason for them to try to collect on a debt that has already been paid for. I then got letters from a debt collector indicating I still owe for the ladder that I already paid for. The balance is {$230.00}, but I already paid this and should not even be seeing this debt. I already sent proof of payment to the debt collector and told them I am disputing the debt, while they only replied to me a letter indicating the bill of which I have paid for. Again, you can not get merchandise from this website unless you pay for it, so there is absolutely no reason why I am being billed for a ladder I already paid for.
Consumer complaint received 2016-06-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (VA)

The three main issues : ( 1 ) Mortgage payments for an ( XXXX ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) Homeside lending issued an XXXX mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating XXXX loans ( XXXX / XXXX ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with Homeside Lending, then XXXX went to XXXX XXXX XXXX, then to XXXX. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute on a transaction that occurred in my Chase premiere checking account. The Chase dispute department handled my dispute by crediting my account {$130.00} in provisional credits. The Chase dispute department informed me that my military service allows the 120 day window to be extended to one year. They offered to refund all fees that were charged regarding this transaction as a curtesy. Later, I was informed by the Chase executive office that they would be charging back all fees that were waived as a courtesy. In other words taking back what was promised. I was told the reasoning was Chase did internal research that I was not actively in the military the past year. However, XX/XX/2016, when I opened this account, I provided documentation showing my military service so I could open a preimiere checking account. I had to validate my service to open the account, right? Also, I did not authorize Chase to do any personal background research on myself. I signed nothing nor agreed to that. Additionally, what resources did Chase use in their background research? Obviously their resources are not valid unless Chase banks claims Are a complete lie.
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX, we were bought out of a small independent distribution business.Lets refer to it as company XXXX. The company was a sister company to another small independent distribution business, referred to as company XXXX. It was at this point the partnership in XXXX companies parted ways. My husband and I became 100 % owners in the sister company XXXX. XXXX companies were financed through XXXX. Prior to XXXX, we were financed by XXXX. The Commercial Lending Officer from XXXX Trust moved XXXX, and continued his role as our Commercial Lending Officer XXXX. When we were bought out of company XXXX, we were required to put our XXXX house up as collateral to continue the credit line for company XXXX. We did, with the intentions that we were going to sell it or possibly rent it out in time. As time progressed the economy took at toll on our company XXXX. We began scaling our operations down in XXXX through XXXX. In XXXX of XXXX, we listed our XXXX house for sale. It sold quickly, but it was at this time the problems with the banks began. The original mortgage on the property was with Chase and refinanced XX/XX/XXXX. XXXX, who I believed all along was 2nd lien holder to Chase, was now claiming 1st lien position. We were going to take the proceeds from the sale, payoff Chase & apply the balance to the notes XXXX. The balance would not have covered the balance due XXXX, But we offered to pay interest only on the balance until we got our finances in order. XXXX did not accept along with Chase not responding to any of our calls With business XXXX, officially closed on XXXX XXXX, XXXX & the workout plan we utilized to pay off our vendors in place, we spent most of our savings in legal fees, due to the standoff between XXXX & Chase. Not sure who is at fault here, ( sounds like a title search issue? ) Whichever, We would have liked to get some answers. We tried to do everything ethically, but for some reason it has been a wacky ride. Thank you.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. ()

I previously had an account with JP Morgan Chase. I held the account for 4-5 years. The account was set up in XXXX, Michigan at a time when I was residing there temporarily. 
A few months ago, I had approximately {$6000.00} in the account. I received a transfer of {$50000.00} from a friend of mine regarding some business we were conducting. Suddenly I was unable to access my account online or on the telephone. Eventually, after numerous telephone calls, I was told my account was being closed and I would be mailed a cheque for the funds. I waited patiently and no cheque arrived. I then called again after a few weeks and after numerous phone calls found myself speaking with the Executive Office. They again promised to post the cheque. It never arrived. I called again and after being thrown around again I was told the {$50000.00} had been sent back to the originating account and the {$6000.00} was being retained for administration fees. I have checked with my friend and he has confirmed that he has not received back the {$50000.00}. This is outrageous. I have been given no explanation, and in fact now when I call up they tell me they can not speak with me any longer. I have not been in any way untoward. I have been professional, courteous and patient, but they refuse to speak with me now. I am not sure why this has happened. There is no illicit activity from me and I have given no explanation. I now find myself having to reach out to you for a resolution. I have spent a lot of time, effort and energy trying to get some information and my money back. I am owed {$56000.00}. I have also spent a lot of money on expensive international phone calls.