davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX violated my consumer rights and discriminated against me I went through the preapproval process and was denied because I was told I didnt have enough assets to cover closing cost amounting to {$20000.00} which funds needed to be listed in one of my accounts which was Wells Fargo I never was preapproved to even get an loan amount for the mortgage consultant to request verification for costing cost when I have no knowledge of the amount I was approved for thats a violation to my consumers rights I wasnt given a chance to provide proof of funds or assets from additional accounts Which I have 3 additional accounts with other banks Which is a violation By law the money for closing cost can be gifted as well I wasnt getting a chance to exercise that right before my application was denied Wells Fargo denied me for a conventional loan that I never applied for they never gave me the option to apply for FHA which I knew I qualified for also mortgage consultant told me multiple times they dont XXXX XXXX to help minorities with closing cost which is false And I even asked could I use my first time home owners grant to help towards closing cost I was told no This is all documented and on a recorded line via Wells Fargo I would like to report this matter and Im also want to seek punitive damages for Wells Fargo discriminating and violating my consumer rights Mortgage consultant XXXX XXXX Home Mortgage Consultant XXXX ID XXXX
Consumer complaint received 2021-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (FL)

Around XXXX I made a Gemini account connected my bank account to the app. It let purchase cryptos. I went through verification process it is XX/XX/XXXX today and still no verification. Over {$200.00} stuck cant transfer out at all. When I try to withdraw or re verify it tells me to wait for an email and keep shopping. Ive tried emailing them directly and get no answer or anything. I need help
Consumer complaint received 2017-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my credit report from Transunion and noticed many inquiries that are not mine and I do not recognize and did not authorize my credit to be run. I contacted Transunion and they were very rude and I did not receive any relief to have the inquiries removed. Below are the inquiries and dates : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-01-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NV)

Subject : One Main Financial XXXX : XXXX I applied and was approved for a loan in the amount of $ XXXX received {$1700.00} in my bank account XXXX/XXXX/2017. The reason for the loan was to pay off a high interest payday loan. ( XXXX loan center ). Amount {$1800.00}. 

When I did n't receive the full dollar amount I called One Main and was told they sent a check to Dollar in the amount of {$1800.00} next day mail via XXXX. 

XXXX will not accept checks for payment. ( in contract ). I called One Main after being advised of the contract and the no check policy. I was then told that its up to me to get the check and return it. 

XXXX never received a check. 

One Main advised me that company policy will not issue a new check in my name. It requires the name of the payee and endorsement to the second party. 

Dollar indicated they wo n't endorse the check as they do n't take checks. 

I 've notified One Main and wo n't send me cash to pay off XXXX. 
mean while I 'm stuck with making the payment to One Main and XXXX. One Main refuses to send the money with out the endorsement. ( Loan is {$3500.00} received {$1700.00} ). 

I signed up for auto pay for payment. I need help, as I 've been hung up on XXXX time trying to work out a solution for the lack of pay.
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

Regular calls on my cell phone from XXXX.. 
Net search indicates number is PBCM a full-service national receivable management ( ARM ) company that focuses in 1st party collections ( pre-charge off ), 3rd party collections, and servicing of performing portfolios. 

I do not owe anyone anything. I have filed complaint on do not call list many times. Calls continue ...
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

My wife and I closed on the sale of our home on XX/XX/2016. We then moved into our apartment the following day. On the day of closing, we were advised by the title company that we should expect an escrow payment from our mortgage lender Dovenmuehle. We contacted them and inquired if the process. We were advised that we would need to send in our updated mailing address and the check would be processed 15 days after the loan was paid in full. 

I sent this information XX/XX/XXXX, through several phone calls I have had with Dovenmuehle the address has been verified and I have even received a letter printed XX/XX/2016 regarding the account details of my loan from XX/XX/2016 thru XX/XX/2016. But, I have not received my escrow check. 

My account says the escrow refund was processed XX/XX/2016. 

I have called Dovenmuehle several times regarding this issue and with no exaggeration, I have received a different story each and every time I have called. 

* I have been told the check was sent out and I would have to wait 30 days until they would resend. 

* I have been told the check was sent out and I would have to wait 60 days until they would resend. 

* I have been told a new check was sent the week of XX/XX/XXXX and would be processed within 2 business days. 

* I have been told a request was processed but could not be finalized until 7-10 days from the second check request ( XX/XX/2016 ) * On the most recent conversation XX/XX/2016 have been told I would have to wait until XX/XX/2016, and on that day I would need to call and request a new check be processed. 

There is no consistency, no accountability and a reputation of distrust has been established. I do n't know where this check was sent, but one thing is for certain I do n't have it and for me to get a letter of an Escrow Statement printed on XX/XX/2016 before I got a checked issued XX/XX/2016 lets me know here is undoubtedly a problem, one which they have given me zero assurance that they are taking care of and now they have placed the responsibility on me to make sure their information is sent correctly.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MO)

Equifax removed inquiries from my credit report and then re-inserted them without notifying me. The non-notification is a FCRA violation and I would like the re-inserted inquiries removed as soon as possible. I tried to call but the wait time is too long. I called 3 other times and the lines were busy.
Consumer complaint received 2016-07-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XXXX XXXX, XXXX I received a call form a lady pretending to be with the office of pretrial of investigation. The lady said her name was XXXX XXXX, she received case from attorney XXXX XXXX, who was attempting to collect a debt for a loan from XXXX XXXX. XXXX XXXX said, they had me on surveillance camera, they were coming to arrest me, she used the words felony, fraud, promissory, it would cost my family more to bail me out of jail. She then told me the best way to send the money was thru money gram. I went on the morning of XXXX XXXX, XXXX to the Walmart on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; wired {$1000.00} to XXXX XXXX, to some XXXX XXXX, whom assumed to be some attorney working on behalf of some loan company.
Consumer complaint received 2016-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IL)

Further to my previous filing, Wells-Fargo has responded to my complaint about unfair fees by closing my account. I have sent them a reply, requesting a formal letter indicating that my account has been closed and that no further financial burden is expected of me with respect to this account. 
Wells-Fargo has removed all evidence of my checking account from the online service in a glaring attempt to cover up what they are doing. I never received any notice of their intent to close my account. Instead, my credit card provider ( not Wells-Fargo ) informed me that a scheduled monthly payment was rejected due to account closed.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

To CFPB Team : I am currently facing a foreclosure situation with Wells Fargo. I am in the 4th year of a 5-year Chapter XXXX plan to save my house. I encountered XXXX hardships during my Chapter XXXX falling behind mortgage payments but continuing to make Chapter XXXX payments. Wells Fargo has been running me around the loan modification request and review process for over two years rejecting every request to capitalize my outstanding mortgage arrears and reducing my interest rate from 6.25 % to a market rate. Despite countless material violations of California Home Owner Bill of Rights, TILA and RESPA laws Wells Fargo has now filed a motion for Relief of Stay and hearing is scheduled for XXXX XXXX. My family and I would love to keep the house and resume mortgage payments but we cant get a fair representation with bank or owners of note ( Wells Fargo sold mortgage to XXXX in 2012 ). We are desperate for a solution as I am the only income earner in the house and take care of my wife, ederly mother-in-law and XXXX children. IS there anything the CFPB can do to intervene on our behalf to stop or delay the foreclosure process. We want to keep our house and resume making mortgage payments but Wells is only interested in foreclosure at this point despite numerous attempts to request home loan modification.
Consumer complaint received 2016-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (TX)

Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on XXXX day before legally validating per FDCPA laws.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NC)

I have a XXXX XXXX Financed through Santander Consumer Bank. I have been getting over 10 calls a day all times of the day starting from XXXX to XXXX. 
The reps on these calls are giving out my personal information and they are always threating me with repossession, telling me why ca n't I just borrow the money, take out a payday loan and all sorts of things to just give them money for payments. I have tried to call and set up arrangements to make payments, to just be told no and I must pay myfull amount owed or my vehicle will be taken.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (NV)

I purchased a vehicle at XXXX on XX/XX/2016 with a down payment of XXXX and the remainder financed through Bridgecrest. 
Today XX/XX/2016 a towing company aggressively did a U-turn right in front of the vehicle and my drive way. I am assuming he thought I was going to drive away? but I was walking to the car to take things out of it. 
I had set up the auto payments to automatically come out of my account and since I did not received any communication from Bridgecrest at all regarding the missed payments. I did not know these payments were missed till today when the rude and in my face tow truck driver showed up. 
I was told that the car would also make a beeping sound through XXXX gps tracker, which never happened. 
How is it possible for them do that? 
I have only had the car for not even 2 months? and No communication? 
after two missed payments? I should be able to at least get the down payment back since the car has n't even been in my possession for 60 days. 
I have also filed for Bankruptcy which i was planing to keep the vehicle.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a mortgage loan with Bank of America with an escrow account balance in excess of {$7000.00}. Since XX/XX/XXXX, both myself and my insurance agent have been requesting that BofA release funds to pay a {$4600.00} insurance invoice from our escrow account. To-date, despite at least six attempts from me directly, as well as many from my insurance agent, BofA has refused disbursement and I have since lapsed in my insurance policy. I have received excuses first stating that the disbursement was refused because BofA perceived the request as a duplicate policy, as the insurance company sends XXXX separate invoices for payment ; aside from the policy number, there is no duplicative information associated with our request as one part of the request is roughly {$1100.00} and the other request is {$4600.00} ; I have made this point abundantly clear to Bank of America, to no avail. The most recent excuse I received this past Friday ( XX/XX/XXXX ), I was advised by XXXX XXXX that the request was further declined because " BofA can not issue payment on an invoice without the invoice being accompanied by a declaration page ''. I reminded XXXX that on XX/XX/XXXX we were given an expedited reference id # ( XXXX ) that promised to disburse payment by overnight mail to avoid termination of the policy, and despite this promise no one from BofA reached out to me nor the insurance agent advising us of this latest refusal. 
I am now without insurance because of BofA 's actions or inactions, despite having tried since XX/XX/XXXX to have our invoice paid by BofA to prevent cancellation. I AM BAFFLED as to how or why the mortgage company finds it acceptable to collect my monthly escrow payment and refuse to disburse on command ( either mine or the insurance company ). 
I am displeased, I am negatively and unnecessarily impacted, and request your investigation, penalty, and resolution.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-11-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

I am a Private Banker the Promissory Notes presented to Wells Fargo are my personal Banker 's Notes which are seen as cash according to 31 U.S.C. 5103 and 18 U.S.C. 8 they are legal Negotiable Instruments. UCC 4-302 makes Wells Fargo liable to me. 
Because Wells Fargo did not honor my promissory notes created to payoff peoples property. 
I DEMAND Wells Fargo send me cash-able checks equal to my Bankers Notes which Wells Fargo has in it 's possession. Bank policy does n't out rank Uniform Commercial Code, United States Code and operation the way the Federal Reserve XXXX clearly states how every bank in the United States does. 

When I was told the promissory notes were worthless I did a test. I created a promissory note wrote my contact info on it, then sent it to to U.S. Treasury via the IRS. I also included a letter requesting to be contacted if what I was doing was against the law. I was never contacted. 
This complaint was created because CFPB needed more info after they received my complaint about promissory note dishonor from the WhiteHouse.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

I began attending XXXX at XXXX and began signing loan documents while I was still in high school. I have accumulated 16 loans to both private institutions and the federal government totaling over {$50000.00}. I have an AA degree in Criminal Justice which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

I had a chapter XXXX bankruptcy discharged more than a year ago. Thereafter, I have been paying my mortgage via automatic debit monthly. It appears that there have been at least in XXXX and XXXX ( dates I can see online ) thousands of dollars in corporate advance fees charged. I see such fees as defined as processing fees on other website. What is the legal basis for these charges. I never received any communication from the bankruptcy court that such additional fees were authorized. The amounts vary widely {$300.00} here, {$800.00} there, in fact and law, how is a consumer supposed to know what they are paying. I am thinking my principal balance is being paid down when in actuality my months payments are being syphoned off for unknown costs. I want these fees refunded.
Consumer complaint received 2016-12-12
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN ADVISORS GROUP (IL)

I applied for and received a reverse mortgage from American Advisors Group in early 2016. My application was handled through XXXX I received the attached Good Faith Estimate around XXXX which shows an up front payment of {$4400.00} MIP ( mortgage insurance premium ) to be taken off the top of my loan to secure the property against devaluation which was supposed to be covered by the government. I was told my agent XXXX XXXX that this was required as a one time only fee against loss. Yet, on every current statement that I receive from XXXX I am being charged ad additional {$92.00} plus every month for MIP ( mortgage insurance premium. I think that it is extremely deceptive to label MIP in the initial disclosure and then add an additional MIP to the existing mortgage. The use of the same abbreviation MIP for XXXX charges is misleading and not disclosed properly to the consumer. I attended XXXX one hour required counseling sessions on Reverse Mortgages and the XXXX ongoing MIP was never detailed. These abbreviations are misleading. I am attaching the original Good Faith Estimate and my current bill as documentation.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AZ)

Company did not proved me w/ notification that I could dispute bill. I received no right to dispute letter/ mail I have NO contract w/ this company : XXXX XXXX On XX/XX/XXXX I received an alert that the company XXXX XXXX had placed a bill for the amount of {$370.00} on to my credit report. <P/>I called and was transferred 3 times, to a supervisor who told me that she saw my bill your report as a collection. <P/>This bill needs to be removed immediately from all 3 credit reporting sites immediatelyand that since it was from XX/XX/XXXX, her company does not have to tell me of any bill nor send a letter to dispute. <P/>I quoted her the FCRA regulation and she continued to proceed w/ the bill will stay on because : 1. I have NO contract w/ the company 2. The company did NOT send me a dispute letter alerting me of my right to dispute Report Accounts Account Details Dispute Guide Print XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$370.00} Balance Updated - Credit Limit - Past Due Amount {$370.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$370.00} Comments - Payment History XX/XX/XXXX