davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo told me they would issue a check for {$10000.00} from the insurance proceeds, then they called me back after understanding that the amount cashed by Wells Fargo was greater than {$10000.00} and a understanding the contractor WILL NOT start any work until they get the first draft. In fact they could file a lien as you requested they sign a conditional lien waiver for the very amount of the check that you did not send them. I have sustained additional roof and other damage to the home as a result of the games Wells Fargo is playing. You cashed {$20000.00} XXXX and are slow rolling out the amount of money that it will take to get started. You should also know that the depreciation will not be available if you guys do n't hurry up and allow this work to get started. Is Wells Fargo going to pay for the additional damage? 

In regards to the Mortgage Loan, the QWR requested ORIGINAL INK COPY OF THE DEED AND OR other said documents to support the loan. The issue here is my loan is behind handled by the Home Equity Department of Wells Fargo however it is NOT A HOME EQUITY Loan. 

In regards to the single point of contact, I provided all documents that i have access to. I have an active IRS Audit going on and can not provide tax returns for 2014 You have every thing else and i know for a fact, Wells Fargo can do an alternative modification considering this situation. Why ca n't i just start making mortgage payments. Why wo n't Wells Fargo not do an in-house modification considering i have given and provided every single document that i have access to and can sent. Please help me understand how other Wells Fargo Customers are getting modifications when Wells Fargo can not get all documents. Can you confirm the only thing your looking for to modify the loan is 2014 Tax Returns. If that is the case they are not available and wo n't be until the Audit is complete. 

Can you please provide a phone number of someone that can if fact consider this situation and allow me to keep this home? This has and is going on far too long.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I applied for, and received, on XXXX XXXX, 2016, a Capitol One Platinum MasterCard, credit limit set at {$300.00}. I activated the account on-line immediately. I first attempted to utilize the card on XXXX XXXX, 2016 for a purchase slightly over {$10.00}. The card was declined. When I checked the account on-line, it showed the account as restricted. I contacted Capitol One by telephone on the morning of XXXX XXXX, 2016, and was told ( by XXXX ) there had been fraudulent activity on the account, and he acknowledged the attempted {$10.00} purchase. After thirty minutes without resolution, I requested a call back if there was resolution, and XXXX requested my telephone number. I did not receive a call. XXXX minutes later I used the Capital One on-line chat feature to request ( agent XXXX ) cancellation of the card. I was told I would have to call Capital One. I explained I had spoken to them for thirty minutes just earlier without any solution or resolution. I explained I considered the account closed and would not be utilizing it, would not accept responsibility for any charges, and would send written request to Capital One with a transcript of our chat. XXXX provided me with their mailing address. We concluded the conversation.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to purchase a product for {$6700.00}. I went through bank of America after putting a {$1000.00} down with another credit card. I took the title to XXXX in XXXX, MD. XXXX said they are very aware of this company but this is not the company that sent me the title. I called the company so I can go and pick up the trailer. I can not haul the trailer until I have it registered and start my business. However, the person who gave me the title have no right to give me the title for this. I have the title but no product. Bank of america told me the company have 10 business days before giving me a temporary credit. I called Thursday XX/XX/XXXX. BOA said they are giving the company until Saturday XX/XX/XXXX. I called and was told the pet in BOA is closed that day. The rep said he is not sure why they told me that but he also saw it in the notes that they told me that. He told me to call BOA Monday because they are going to give the company until over the weekend to respond. I call Monday morning. Was told by a supervisor that all XXXX reps lied and did not tell me the correct information. I have to wait 45 days for them to investigate it. They said they would grant me a temp credit at first now they will not. They have not done anything with this investigation because I believe BOA know this company is a fraud. XXXX is also doing a investigation on this company. I purchased this through BOA thinking that my money was safe. I will be sure to remove all my money from BOA after this because I now see that they can not be trusted. I am a single mother who saved up for this business through what I thought was a trusted bank and this bank is not to be trusted
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2016 I received an email from Bank of America, stating that they will start applying a monthly maintenance fee on my checking account. This after I have not had to pay a monthly fee for years, in exchange for an agreement to only use their ATM 's for deposits and withdrawals ( i.e. no counter service ). I have sent them a letter of objection and a copy of the email by USPS. The banks website ( and this email ) offer no opportunity to reply via email, only a postal address in XXXX, FL. I will be happy to send you copies of same. Bank greed once again ... apparently still many loopholes in the Consumer Financial Protection Act that they can drive trucks through.
Consumer complaint received 2016-10-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Initially opened a home equity line of credit ( ELC ) with Wachovia which Wells Fargo ( WF ) took over during transition of companies. We always paid greater than the minimum amount due each month on our ELC. XX/XX/2015, WF forwarded, attached ltr, indicating changes to how WF would handle payments on our ELC. Never understood explanation, although, I spoke with a WF rep & it was indicated they had not been applying our interest properly. WF rep offered an unsecured personal loan, but told them I was not interested. Because my ELC was used for many items, my balance was a high one, so I felt WF was being honest with us. Due to how the interest was now being applied, we could only afford to pay only interest and our principal became stagnate since we maxed out the principle. With recent publicity on WF 's questionable practices, could someone please review our attached letter and determine if this was a legitimate and reasonable action WF took on us. Due to us only able to pay interest on our ELC, it forced us to refinance our ELC with another financial institute. If you find this ltr is most appropriate, I will consider your action complete. If you need further information from us, including copies of our original contract with Wachovia, please advise. Your review is greatly appreciated.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

XX/XX/XXXX, I had emergency surgery, I was out of work for weeks. My mortgage is with HSBC. I applied for a loan mod and was denied. my interest rate is 9.8 %. I refinanced with HSBC in XX/XX/XXXX and they told me to make my payments on time for a year and then they would refinance me. One year later I called them to refinance and their response was, that in XX/XX/XXXX they closed all of their offices except the main office, and they were not doing any loans. They knew this, when I refinanced with them in XX/XX/XXXX, in other words they told me a bare faced lie! Now i 'm XXXX and am self-employed and I do n't want to lose my home, but am strapped tight. When I had my surgery, I lost a customer and have n't been able to replace them. My payment with HSBC is {$140000.00} a month. I need help and I could afford a lower payment and meet all my other bills and needs. I have called every finance company possible and they all tell me the same thing my debt ratio is too low. My credit score is fair. I feel that something needs to be done about HSBC. It seems like they would n't want me to foreclose and work with me and their other customers, instead of losing money. I checked on HSBC and their are a lot of scams that they have done to many of their customers. I just do n't understand how they can continue to get by with this. I cant apply for the HARP program because my loan is n't owned by XXXX or XXXX. The economy is going up all the time and I need help! Thanks, XXXX XXXX
Consumer complaint received 2016-06-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First National Collection Bureau, Inc. (TX)

This is outdated old debt older than 7 years old that should have already fallen off of my credit report and I have asked them to quit contacting me year after year, yet they continue to follow me even when I move and when I change my address and phone number. They send letters and call me. They updated the debt on my credit report so it renewed a couple of times and would not leave my credit report. It looks to me as though they changed the dates of my debt from the original default dates so it would stay on my credit report longer than 7 years! I know this because I never opened any cards in XXXX or XXXX or XXXX! I noticed that a few of my debts keep getting renewed over and over again to update them over and over again so they wo n't fall off of my credit report.
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Since l file various complaints against Prestige Financial services in XXXX Utah in regards of my car loan account # XXXX l have not received any official lower affordable monthly payments under {$400.00}. 
The interest rate on my car loan is still 17 % and balance as of {$20000.00} since l purchased vehicle XX/XX/XXXX XXXX with XXXX miles. 
Balance keeps increasing over {$20000.00}. 
I have requested a payment at around {$350.00}, because l can not afford to make payments of $ XXXX payed a {$440.00} on XX/XX/XXXX so l do n't get my car repossessed and have negatives on my credit report with Experian.Equifax.Transunion. 
Prestige Financial services rep reduce my monthly payments to {$440.00} @ month, but payments is unaffordable. 
If Prestige Financial services does n't want to lower my monthly payments, they can take back the car and do n't have no negatives or debts on my credit report or record. 
I ca n't refinance the loan with another lender, because of Bankruptcy chapter XXXX, but Prestige Financial services can refinance and lower car payments to {$350.00} Prestige Financial services in XXXX.Utah reps knew about my Permanent XXXX lifetime and retired status. 
Prestige Financial services contact XXXX
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OR)

This is a follow up in dispute of FedLoan 's practices as described in my previous Complaint # XXXX. On XXXX XXXX, 2017, my dispute explains that althgough Fedloans has agreed to reverse the forbearance they forced onto my loans after I called them out ; they proceeded to implement the same issue- a new forbearance, on XXXX of my loans. 
I do not know why they insist on forcing these forbearance 's on me, especially since all I requested was a re-calculation of my loan payments. 
Why ca n't Fedloans just let me keep paying my bill until they give me my new payment amount? 
I believe that Fedloan Servicing is forcing forbearances on people under the premise of waiting for the calculation of new monthly payment totals. 
I have attached the interest notice that I received in the mail. 
Again- I did not ask for a forbearance.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

I applied to Sebonic Financial to refinance the house that I live in. They suggest I refinance my investment property as well. They said the reason for this suggestion was because it would allow me to get a cheaper interest rate rather than refinance with a jumbo mortgage. They immediately as me to pay for XXXX appraisals, which totaled approx. {$1300.00}. They asked me to send them a lot of paperwork and I did. Many times when I submitted the paperwork, they would tell me several weeks later that they never got it. Then they told me that too much time had passed and they would not be able to give me the promised lower interest rate. Finally, they told me to show that I had at least {$20000.00} available to me and it would need to show up in my bank statements in order to constitute the proof they needed. I immediately took {$20000.00} out of my home safe and deposited it into my checking account. Later, maybe three weeks later, they told me that the money would need to be seasoned or vested for three to six months. Finally, after 98 days had passed from the day that I started the loan process they told me that they could not make the loan because they could not trace the deposited funds to any acceptable source. I explained over and over again that XXXX of my commercial buildings that I own happens to be legally licensed as a rooming house and it is an all cash business. I fully explained that I chose not to go to the bank on a daily basis. I further explained that this money was accumulated over a long length of time. I made it very clear that all of this money had been clearly stated on my tax returns, of which they had copies. I suggested they do the math as shown on my personal tax return and see that the amount of income that I reported on my personal tax return was the exact amount show on my XXXX XXXX return. They said that was not the problem. They then declined the loan after 98 days had passed. I immediately asked for my appraisal money back, to no avail ... I COULD NOT FIND A COMPANY IN EXISTENCE CALLED SEBONIC FINANCIAL. If they exist, they do not have a license. I think they are owned by Cardinal Financial. They have completely rejected my request for the CEO 's name and or mailing address. One word perfectly describes them, ..ENCOMPETANT.
Consumer complaint received 2017-03-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

XX/XX/2017, Received a phone call from a woman named XXXX she called from XXXX from XXXXX WI. She told me that she is trying to delay the warrant for my arrest. That I should call Chief Investigator XXXX Phone number XXXX and provide him with this case number XXXX. In fact, XXXX XXXX calls me at XXXX on XX/XX/2017. Tells me that they will be coming out to my house to arrest me at XXXX. XXXX, WI that may also take a while to have a judge see me due to my past record having Theft record, I said that was dismissed, I did not do anything. But if I want to take action in not going to jail. That I would have to pay {$1500.00} that he is going to transfer me to a person who will give me what I need to pay. He transferred me to a woman XXXX, she provided me with the information XXXX & it would go to XXXX. The Account number is XXXX, Routing number XXXX. I would need to call XXXX after the transaction is complete. So I call my attorney he advised me not to pay, Investigator the money. The Attorney did find any type of complaint filed. Also, the attorney stated that this was a new way to scam people for the money if he does call back. To ask him to send me a bill. As I was talking to the attorney I received a phone call from my cell I answered it and XXXX he called from this phone number XXXX XXXX County Sherriff he was going through with criminal complaint at the sheriff 's station.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

While I was on a 2 week XXXX my rental car was broken into and my personal bag containing my wallet, keys, etc. was stolen out so I called the police and and a police report was done. When I returned back to XXXX, Texas I worked with the GM of chase Bank near me and we have both faxed documents that the fraud department asked for and we received confirmation that they got those said documents and when we call for an update they have told us both that they don't have the documents and this is even after we both have sent the documents multiple times. Now they are still denying the claim stating that the documents that they asked us to send them is still not sufficient enough proof and to send any other documents I may have. It doesn't make sense to me how it's not sufficient enough proof when I have provided the axact paperwork that they have asked for.. They credit my account then took everything back and the GM is telling me that he has done everything in his power because we have spoken with supervisors and everything and had each document described to them to make sure it's what they needed and we faxed it and they told us the credit would be back in my account in less than 10 days and they keep denying the claims saying that each transaction was authorized and there are no errors.
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CA)

I have a Fidelity credit card which I paid automatically through XXXX home banking. Without my knowledge, the Fidelity was changed to Fidelity VISA with Elan ( I 'm guessing at the name ) Financial Services. I continued to pay Fidelity, which took my money. I never received any information from Fidelity or the new service about the change. 

I continued to check my account on Fidelity 's website. It showed my balance and that I had XXXX minimum due. 

Today, I received a call from Elan collection telling me I was 30 days past due and owed them {$670.00} in payments and fees. I told them I did n't know who they were and that I would not send them money or give information to unknown callers. 

I called Fidelity. The customer service representative said she would get her supervisor and, without warning, transferred me to Elan collection. I talked to a guy who only gave his name as " XXXX '' and would n't give me a last name. He told me they had hit my credit report and I had to pay. 

I explained that I never received any statement, information about this transfer, or anything to send them my payments, that I did n't know where they were coming up with such a large amount due, and that I had paid Fidelity. 

I then went on my XXXX XXXX XXXX homebanking to find records of my payments. XXXX XXXX XXXX, without informing me, had deleted Fidelity ( XXXX XXXX XXXX ) as a payee, along with all my payment history. I can find the payments on my statements, but no longer have a payee history record. 

I told this Elan company they would have to overnight to me all the documents they were required to give me, including statements, announcements, etc, before I could pay ; that I needed to find out what Fidelity did with my payments, and that I would be registering a complaint with the CFPB on how this was handled. 

If this has happened to me -- I 'm never late on my bills -- this is likely to have happened to many others during this transfer of companies. Even if it has n't, I do n't deserve late fees, collection, the hit to my credit report, or demands for a large cash payment by a company I 've never heard of.