davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have an existing conventional home mortgage with Wells Fargo Home Mortgage, which has improperly applied my payments to pay down principal instead of for monthly payments. 

Five electronic cash transfers were sent to Wells Fargo for an existing mortgage that should have been applied to a monthly payment cycle ( principal+interest+escrow for tax and insurance ). The payments were correctly made using a Wells Fargo-branded payment module to the mortgage account. 

Wells Fargo mis-applied the cash transfers and applied them entirely to pay down principal and demanded additional payments to become current again on the normal monthly payments. Calls to Wells Fargo resulted in incorrect explanations and demands for additional payments. It took 11 months, false explanations, and countless calls to figure out what actually happened, at which point Wells Fargo would only reverse principal payments from the last 90 days, which covered a small fraction of the funds involved. Wells Fargo 's own incompetence led to the delays and the mis-applied funds going beyond the 90-day window. 

In summary, Wells Fargo took in funds and mis-applied them without permission, then demanded additional payments and delayed action until they claimed they could no longer reverse the older payments. I never stipulated that the funds should be used to pay down the principal and Wells Fargo refuses to refund or credit the payments towards normal monthly payments. I have been forced to make additional payments but am now in default. 

The payments are each for {$1600.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$8100.00}.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

I requested a rewrite to lower my monthly payment due to hardship. Ally sent documents for me to sign and charged a rewrite fee of {$220.00} which is in money order. I sent all signed documents with the money order enclosed together with money order through XXXX. It showed in my Ally account that the money order of {$220.00} was received by Ally on XX/XX/2018. The due date is XX/XX/2018. But Today, XX/XX/2018, I was told by Ally that my documents was not received in a timely manner. That the rewrite is not valid. But it shows on my Ally App that Ally receive the rewrite fee of {$220.00} in ( money order ). I was told by this company that all transaction was not anymore valid. So I now I have past due of {$1100.00}. I was suppose to start monthly payment of {$310.00} on XX/XX/2018 of Ally acknowledge the agreement & documents signed. I sent documents & money order to Attn : Workout Team Rewrites, Ally Financial at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Ally Workout Team Phone number XXXX. 
Please help. 
Please help me.
Consumer complaint received 2016-07-09
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (KS)

I received military XXXX me from XXXX to XXXX in XXXX 2016. I shopped for a mortgage with XXXX, Quicken Loans, and XXXX receiving a Loan Estimate from each leader. I chose Quicken Loans on XXXX XXXX, 2016 because they offered me the lowest interest rate and fees for a mortgage. 

Everything was moving along until I received a re-disclosure package on XXXX XXXX, 2016. The re-disclosure package had three errors : 1. It added a {$730.00} fee for points ; 2. It increased my credit report fee from {$9.00} to {$25.00} ; and 3. It did not adjust my loan origination fee from {$1900.00} to {$980.00} as QL agreed to match XXXX loan origination fee. I addressed these errors with XXXX XXXX ( NMLS # XXXX ) on XXXX XXXX, 2016 in an email. He replied to me telling me the errors would be corrected prior to close. 

On XXXX XXXX, 2016 ( 6-business days prior to closing ) I was told over the phone they would not correct these errors. I now only have 5-business days until closing and feel I have been strung along until it was impossible for me to use another lender or have these issues addressed through the CFPB or the Department of Defense Inspector General. These fees represent a {$1700.00} increase to my closing costs which I must come up with in 5-business days. If I do n't go through with the mortgage with Quicken Loans I will lose over {$2100.00} in money spent for earnest money, inspections, surveys, estimates, and appraisals.
Consumer complaint received 2018-11-21
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: EQUIFAX, INC. (DC)

I Sent Equifax multiple disputes ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ) asking to properly verify, validate and correct errors on my credit reports. They did not do a proper investigation. They simply sent me a response stating the items were accurate and/ or verified.

XXXX XXXX XXXX- I request proper validation ( and the collection company only sent me a copy of a bill and a lease agreement. This is not proper validation of debt or proof of ownership. I sent a copy the documents to Equifax along with a proof of the inaccuracies on my credit report ; yet Equifax still do not remove the account as i requested.

Unverified Account Type ( Other ) / Unverified Balance ( {$3500.00} ) / Unverified High Balance ( {$0.00} ), Past Due Balance ( {$0.00} ) and the account Shows " Joint Account '' but only one name on the collection letter
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

In early 2018, I was purchasing shirts at XXXX XXXX. I wanted to use my XXXX 's card, which I've had for many years, to access a discount. The saleslady looked at my XXXX XXXX card and said it was really beat up and old and I should get a new card. She said she could update my card *and* give me a bigger discount. I said sure. She handed the phone to me, someone asked me a couple of questions, and I got the bigger discount. 

Long story short, I only found out when I had a 'past due ' amount, that XXXX 's had actually opened an entire new account in my name. I evidentally had TWO XXXX 's accounts. One I didn't know about and thus hadn't paid. The other completely up to date. 

I complained to the XXXX. XXXX 's said they'd fix it. They did not. 

What they did made my credit rating plunge. I had *literally* perfect credit. After the XXXX  complaint, they shut down my old account, thus making my length of credit history plunge. This, plus their reporting of my account as delinquent, caused another plunge of 50 points on my credit report. 

This is fraud in it's purest form. I didn't ever want a new XXXX 's card. They secretively did this for some reason - do they get some kind of kickback from XXXX XXXX ( the company running the new card? )
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (SC)

I have disputed this issue with XXXX  3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with XXXX   only. 
see attached document. 
Thank You.
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

I learned over 10 years ago that the Bush Administration passed a law that would allow those with outstanding loan debt forgiveness if they worked int he XXXX XXXX. For ten years I diligently paid my monthly bill so that I would have a blemish on my record. When I hit 10 years I applied to have my loan forgiven. I completed all of the necessary paperwork, provided work history, had my loan transferred from the third party vendor back to the DOE. To my surprise, after my loan was transferred I learned that I was not eligible because i had been on the wrong payment plan for 10 years. Why would a payment plan make a difference? I paid regularly, I worked in the XXXX XXXX, declined job offers from the private sector just waiting for the day that my dedication to XXXX XXXX would assist in the hefty weight of these loans.

Once I discovered that I was ineligible I emailed my representatives in Washington. Not one responded to my particular issue. I got a curt, pre-populated response from one and no response from my senator.

In my opinion the way that this was rolled out and so poorly represented to the public is fraudulent. Not once did my lender inform me of repayment options. When I graduated with my XXXX  's I consolidated my loans because that is what seemed to make the most sense at that time. There was no education about repayment plans and repercussions of not choosing the right ones. There was no re-education once this bill was passed outlining the need to amend my payment plan to ensure eligibility.

Again, fraudulent, frustrating and a let down.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-11-14
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I received by mail a Pre-qualified offer from XXXX XXXX XXXX XXXX, XXXX  to reduce my current new car loan from XXXX XXXX. In the offer they indicated my XXXX interest rate@ 8.6 % and their pre-qualified rate@ 5.5 % which the offer would expire on XX/XX/XXXX. The offer letter also had a Pre-Qual Code XXXX to be use by calling or on their website. I decided to use their website, on XX/XX/XXXX at XXXX, where I entered the Pre-Qual Code as instructed. I then was taken to a standard loan application which required me to enter almost all the info that was already in offer letter. So, I became suspicious, but I continued until they asked for my SSN, which I did not enter, at point I ended the application and closed the webpage! To my surprise a few minutes later I received a confirming email to my email address XXXX stating thank you for applying for an auto loan and I would here back in a few days! It cam form XXXX! I immediately replied with a return email : To whom it may concern : I received a pre-qualified invitation from XXXX XXXX XXXX XXXX and XXXX  to refinance my auto loan, showing details about me and my current loan! 
When I went to your website as instructed and entered the magical mystic code XXXX include in the letter I received, it responded with many questions, with I answered, even though they should have already been answered as identified in your letter. Which leads me to believe that this is a scam!!! 
So, I am requesting that you remove any and all personal information you solicited from me ASAP or I will file a complaint with the FTC charging Fraudulent Solicitation!! I sure you or your organization is aware its illegal! 
I will expect a response to my request acknowledging that you removed me from all email and or phone lists as I requested!! If not, I assure you that you will hear from me again! 
Thank you XXXX XXXX. 

Today I received notice from XXXX XXXX, who Im a member, that a new Hard Inquiry had been made to my Equifax credit report, asking me to verify it, which I did! It was made by XXXX XXXX XXXX XXXX! I filed a dispute with Equifax immediately which is currently pending! 
I did not give my SSN to this bank, I didnt complete their form giving them authority to pull my credit report. I tried to get their customer service with no results, they dont seem to have one, I  dont know of any Bank that doesnt have customer service! 
I suspect fraudulent activity, this appears to be a scam! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-11-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I have tried for years to get help with both private and federal loans through my server, Navient. Navient has fail for over 5 1/2 years to work with a payment that I can afford. I was repeately given option to put loans ( they served both private and federal ) in forbearance so times over the last 4-5 years that the principal continue to grow. Each time my loans came out of forbearance, I would call and ask for help because there was no possible way to pay them over 500/mo. I pleased with them, each time, explaining that my financial income was not projected to increase. They knew conitnuing to put me in another forbearance would only allow for my loans to grow without the projection I would be able to pay when it ended. Many times I explained that if you could just lower my payment to around $ 100/mo could avoid forbearance and at least be moving in the right direction. They refused that offer or ablity to work with around $ 100/mo. They said the lowest they could lower my payment was from approx. {$430.00} to {$180.00}. Once again both the person assigned to my Navient Loan account and I, discussed If I paid even the latter amount, the income to outflow work sheet they used to " lower my payment '' ( which half risen due to continual forberance ) showed very clearly that I would be paying way more than bringing in. Might I add, my pay each month is consumed by rent, electric, utilities, and tv ; leaving just enough to buy food, personal hygiene items, transportation, and necessities for my children. No credit card, personal loan, or other debt. Once my forbearance time had been exhuasted, I was told Navient had no other ways or options to assist me in aggreeing on affordable payment or program. My assigned Navient account officer gave me the following advice ... She advised me to try to toggle payments between my two loans they served. She continued to explain that my best option was to pay one loan ( approx {$100.00} ) per month and then skip that one and pay $ 150- $ 200/mo on the other loan the next month. She said at least it will buy you some time so your loans do not default. With great disappointment and 0 options left, I tried to toggle my payments but # 1 I was stuggling severely and # 2 I was still delinquent in the latter loan. Now both loans are in default. Until XX/XX/2018 my net income was approx $ 1400/mo and as of XX/XX/2018 my net income is approx $ XXXX/mo. My house hold is 4 with no other income. My husband has been in SSI and XXXX limbo for going on 2 1/2 years and both children receive state aide. Please can you help me?
Consumer complaint received 2018-11-15
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: SYNCHRONY FINANCIAL (AR)

XXXX XXXX, XXXX XXXX, synroncy bank and XXXX  on my XXXX and XXXX  delete, no written signatures.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (GA)

I opened a Suntrust bank account online that had a promotional offer this past summer. I was never able to log into the account online or activate the debit card. I was told in order to do both and needed to go to the branch. I informed them I am XXXX and unable to go to the branch. I was then informed no exceptions could be made. At that point I told them to close the account then. Months letter I receive a letter in the mail stating the account I never used was now {$15.00} overdrawn.
Consumer complaint received 2018-11-15
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: EQUIFAX, INC. (FL)

I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, EquifaxXXXX XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Nationstar previously sent me a " Loan History '' document but the left side of the document is cut off and does not show the full dates. It also only shows the transactions for XXXX and I need to see them all from XXXX to XXXX in this same system/report. 
This is because it seems to show different payment amounts than other reports I have been provided previously that were taken from a different system screen and I must compare the two. 
I have attached the exact top of the screen so the system screen can be found. 
Part of the screen number at the top left was cut off, the screen number left showing is " XXXX ''. The report starts on page XXXX. 

I have sent a QWR and tried to contact someone who can send me the full report but have not been able to.
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big Picture Loans, LLC (MI)

I was inquiring about a loan of {$400.00} from Big Picture loans. I made it to the final step and decided I didn't need the loan. I then recieved {$400.00} from the loan company. When I noticed I called to find out how I recieved the money if I did not finish the loan application. I was given the run around until finally I became frustrated and hung up. They started taking {$140.00} from my account every other week. When I called to inquire how long it would take to pay off after the payments never stopped they tried to look up my account with an email Address but said that they did not have an email Address on file because the application was never completed. I would not provide them with my email Address because they told me that all loan agreements must have a email Address in order to be signed. They now say I still owe them over {$600.00}.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!
Consumer complaint received 2017-06-22
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

To Whom It May Concern : My complaint involves my Macy Account of approximately 20 years. I have patronized Macy 's for many years hence spent lots of money and was NEVER late on a payment until ; I changed from paper billing to online billing in XX/XX/XXXX. Not being totally use to the billing cycle online and having had a major health issue, a couple of payment got away from me and I was late with a couple of payments in XX/XX/XXXX/XX/XX/XXXX. <P/>In XX/XX/XXXX, I had a death in the family and unfortunately lost track again with online billing added to the stress of life and was a couple of paymentsXX/XX/XXXX. Both these situations caused Macy 's to report negatively to the credit bureau 's dating XX/XX/XXXX and XX/XX/XXXX. I would also like to mention, the payments were minor maybe {$10.00} to {$50.00} total for each. <P/>I have been working diligently to clean up my reports and Macy 's is the last company that is affecting my score negatively. I 'm told this negative reporting will continue for a total of 7 years. Please let me know if this in anyway can be removed as a courtesy for a loyal customer of 20 years. I am currently in good standing with Macy 's. <P/>Thank you in advance.. I appreciate it.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I contacted Navient in XX/XX/XXXX. I wanted to see about having my Parent Plus included in my IBR. The employee said I needed to consolidate all my accounts and resubmit a IBR. I did what I was told. I recently received the notice ( XX/XX/XXXX ) that I am on an ICR with a payment in the amount of {$260.00} a month. I called and spoke to XXXX # XXXX XX/XX/XXXX, she said the way the consolidation was done I don't qualify for the IBR, had I done it another way-consolidate my parent plus loans and then consolidated that with my loans I would have qualified for the IBR. How was I supposed to know this and the first time when I called, the employee did not mention this at all. I was just told to consolidate. Student loans are so difficult, how was I supposed to know which way I was supposed to do it. I specifically told the employee when I first called about the consolidation that I wanted to include it in my IBR and apply for a 10-year forgiveness. Not once did he mention anything about one loan and then another. He told me to go online and consolidate, so that's what I did. This is unfair, and I cant afford the {$260.00}.
Consumer complaint received 2018-10-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (FL)

After reviewing my credit report, this company has reported to all credit bureaus that this account has been charged off as bad debt. Before any erroneous reporting was done, I had a payment plan established ; pay balance in full before XX/XX/2018, and everything will remain in good status. I paid this account in full, and also verified with the company. They never added my payments towards balance owed, and this was paid in full way before XX/XX/2018. I sent multiple letters to the credit bureaus requesting that the credit agency send me information on how this account was verified ( which they said was ). Nothing was sent to me and this is still on my credit report. They have not complied with the Fair Credit Reporting Act.