davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX at about XXXX Eastern, I stopped into the XXXX XXXX branch of Suntrust to deposit loose change that had been collecting over the last year. The teller advised that they do not have a change counter and refused to accept my coins. The teller further advised me to go to a local grocery store to have it converted into dollars. Later the same day, I called Suntrust to discuss the matter with them and to look for an alternative branch ; however, they informed me that it is their policy to only accept rolled coins and they would be of no further service to me.
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (IL)

XXXX veteran that is a protected class member XXXX of the XXXX and have constantly been discriminated and homeless still living in hotels as banks, insurance companies and other companies continue to harass and deny me loans. I have now been also denied access to open new bank accounts due to the many inquiries on my credit report to try to buy a home XXXX XXXX, chase XXXX and others have approved and denied me and yet for over 4 months I have yet to receive proper approval or in most cases even receive an approval. 

XXXX XXXX XXXX XXXX XXXX has canceled my insurance just made aware of this meanwhile XXXX has also denied my claim and my tenants have destroyed my property 3 times and all this began due to the gov rules of tenants not paying rent during COVID. 
XXXX was going to be sold XXXX until it was discovered that the first floor is no longer structural safe. 

Single female that have been battling with health issues for 23 years and have been declining for over 2 years. All companies are aware of my XXXX veteran status and none have offered any assistance just making things harder. 

I will go live abroad then since this United States veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX still can not focus on her health with all the constant harassment and discrimination. If a person that have maintained good credit and never missed a payment can't get assistance and can't get home loans then who can? 
I have asked multiple companies to cease and desist. 
XXXX XXXX XXXX XXXX XXXX both denied me opening an account interesting you can deposit money because of credit inquiries. Asked neither for pain but to transfer money.. 
I was already terminated from employment so please all US based companies do not contact me. I will be abroad These are all issues that as I have been reporting to cfpb and XXXX that all logs are in the companies servers do not contact me stop harassing me I will not answer any calls or text or emails. 
Call the VA find out why I am not receiving special monthly compensation why my unemployment hasn't started and I have been without pay since XX/XX/year> while being in the XXXX 

I don't have time for all the United States of America constantly harassing me. Leave me alone
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have disputed Wells Fargo Mortgage 's smokescreen response to Case number XXXX. 

In reviewing the detailed statement for the escrow account ( attached ), another problem, a more serious problem is apparent. 

The bank failed to record my escrow payments. 

I have made all my payments, in the amount of XXXX, since XX/XX/2016 when my Chapter XXXX was successfully discharged. Prior to that, I made all payments timely to the Chapter XXXX Trustee which paid the bank. 

The bank 's " Escrow Account History '' ( attached ) shows that ZERO ACTUAL Deposits to my Escrow account were made. 

What did they do with the money? I paid. I have records of all the payments. 
Wells Fargo is playing more tricks on consumers with their " alternative math. '' How can they be allowed to take the money from me and NOT apply it to my account? 

Now, in the related case Case number XXXX, they are trying to claim my Escrow has a " shortage '' -- that will REDUCE my payment. That makes no sense. If there is a " shortage '' my payment should go UP. 

What did the bank do with the money I paid for escrow? There are 6 months showing ZERO. For each of those months, I paid the full amount due -- that includes taxes and insurance escrow. 

That 's {$1800.00} that the bank shows as missing from my account. Where is my money? What did the bank do with my escrow payments?
Consumer complaint received 2017-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (CT)

15 Years Ago I had opend a Checking Acct with now which is ( XXXX XXXX ). In XXXX I had unexpectedly gotten a call from my landlord saying I had wrote him a bad check I do n't write bad checks if I do n't have it I will tell you I do n't have it and my credit score is over XXXX, after I had sent other checks out as well. Was n't sure if it was me reading my statements wrong or not so I went I got a print out directly from the Bank. The Print out had show 'd both ( Positive+Negative ) to my acct?? I had also deposited enough to cover all checks atleast per there statement that I was reading and thought. I kept getting overdraft letters in the mail and went to an Attorney, I was told to get out of that bank and since their was no ( Bank error notification ) on their print out then I was n't legally responsible for any fee 's. I switch 'd Banks and stop 'd all activitys with TD Bank. I had then went to XXXX Managers gave them their debit card back and had also made 2 phone calls from them and demanded all {$250.00} fee 's be waive 'd so I can close the acct officially. I was laugh 'd @ and told no. I told them I was taking Legal Action and also notifying cfpb. They did n't care and then said my avg daily balance was {$1.00}??? and when talking to them they tried to ( Trick ) me into admitting I was purposely writing bad checks and when it did n't work they then wanted to get their Fraud division involved to clear me and see if there was a possible theft going on.I said no and took action. I 'm reporting this for others to be aware of and to get this acct officially closed and fee 's waived which never should have been givin to begin with.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-11-05
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX I spoke to someone over the phone with Synchrony Bank who held my JC Penny Credit Card. I let them know I had a balance due that needed to be paid and I wanted to just pay it completely off and close the account. They told me the total balance due was {$160.00} I paid the {$160.00} on the spot. I let them know I did not have the actual card that I had never received it in the mail. They asked if they should send another one and I said no I want to be sure the account is closed and they said it would be. 

Today on XX/XX/XXXX I got a notice from Credit Karma that i have a past due account on my credit report. I looked and it's the same XXXX XXXX account for just a few dollars. I paid this account off and now I'm being told by the representatives at XXXX XXXX 's that there is interest that accrued after I paid off the balance and a subsequent late fee.I spoke to two agents and to a manager and none were willing to help me but tried to collect the debt. None even acknowledged that I was trying to dispute the amount just that they wanted the few dollars paid in full. 

I paid off my account in full I should not owe anything.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i applied for a credit card through capital one with no interest for the first year valid through XX/XX/XXXX of this year and now they are saying that that wasnt even the offer but i still have the offer letter that took me to the website and thats the card that i applied for also the girl was being really hostile and tried delaying me/hanging up when i would call
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

To Whom It May Concern, I am writing to file a complaint against Capital One for closing my account unjustly and without proper cause. Recently, I had requested a replacement for my lost Capital One credit card. I received the new card, but upon attempting to activate it, I was informed that my account had been closed due to inactivity. 

This closure came as a shock, as I had intended to use the new card immediately upon receipt. I had not used the account recently because I was waiting for the replacement card to arrive. The sudden account closure now adversely impacts my credit score, as it affects my credit utilization ratio and overall credit history. 

I feel that Capital Ones decision to close my account under these circumstances is unreasonable and unfair, especially since I was actively taking steps to use the account. I am requesting the Consumer Financial Protection Bureaus assistance in addressing this matter and seeking to have my account reopened or, at the very least, ensuring that the negative impact on my credit score is rectified. 

Thank you for your time and assistance in this matter. I look forward to your response. 

Sincerely,
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (SC)

Several months ago I began pursuing a modification with DiTech Mortgage so I could keep my home. On XXXX/XXXX/XXXX I spoke with XXXX XXXX. He told me the documents they had recently requested had been received and nothing else was needed. I asked him if there was any other info I needed, he said 'no '. On XXXX/XXXX/XXXX I spoke with XXXX XXXX XXXX XXXX who told me there was a huge list of documents I needed as of XXXX/XXXX/XXXX, the very day I was told they had everything they needed. He also told me I had a sale date on my home for XXXX/XXXX/XXXX. I asked when the sale had been scheduled but he could n't tell me. I asked why I was n't informed of this on my call on XXXX/XXXX/XXXX. He did n't know that either. The same day, XXXX/XXXX/XXXX, I called back and spoke to XXXX XXXX who then told me that there was no sale date on the file and that XXXX XXXX ext XXXX was incorrect when he told me that my home would be sold on XXXX/XXXX/XXXX. Ditech is doing everything they can to steal my home without giving me a chance to get current. I 'm working with them in good faith, and they 're XXXX me around and driving me insane. They are either incompetent or liars, and either way their policies and my file should be investigated.
Consumer complaint received 2017-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (IL)

I bought a car from XXXX XXXX XXXX in XXXX IL. I told them up front what I could afford XXXX a month of course they are car dealers it was XXXX a month when I left with gm financial. Of course I got behind but I set up 2 payments a month to catch up. But they did n't take the money. Once on one of my payments I put a stop pay because the money would not not be in the bank. I did call them gm financial and told them and reset up the 2 payments for the month. But then I got a call about not getting payments. I told them I have been sending 2 payments a month. Then she says oh it looks like we are flagging your a count because of a no pay. I told her yes but that I had already discussed that and it was to be ok. And I set up my payments again. So she says well you should do a volunteer buyback. Saying to me that it is not a repo. So I did everything I was to do but they did opposite of what they should of done. And they are still sending me a bill. When it was their fault. I want to sue them
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (NV)

I was offered a loan modification in XXXX XXXX and signed it and it was recorded onto my property. The agreement also removed my ex wife from the mortgage. I am attaching a recorded copy of the agreement to this complaint. I have also removed my ex wife 's name from the title of my home. My servicer, Roundpoint, after violating RESPA Regulation X by evading review for almost six months, improperly reporting and collecting on a loan that was modified in XXXX, ruining my credit and costing me thousands of dollars in legal fees, is still showing me in arrears and they state to my attorney that they can not recognize the loan modification that I signed because it somehow does n't meet their system requirements for default. They then after stalling for 6 months stating they did n't have a complete file, finally issued a new loan modification agreement and they are trying to add my ex wife 's name back onto my mortgage. They also asked for a large down payment. I have done nothing wrong here. My attorney asked Roundpoint to contact the investor/owner of the loan to get this problem ( which is on their side ) resolved so my loan can finally be out of limbo. I feel I have been victimized by both my servicer and the investor of this loan " XXXX XXXX XXXX XXXX XXXX ''. Roundpoint purposely avoids discussing this account. Every time my attorney contacts them to try and resolve THEIR error, they put him into voice mail and never return the call. The VP of the servicer wrote some fraudulent letter stating they did nothing wrong, but it is very easy to understand. They are servicing a loan that was modified and they refuse to recognize it. Ruining my credit, costing me thousands of dollars in legal fees and stress that is easily fixable if they would just contact the investor and stop avoiding the problem. My loan was modified in XXXX. As of today they still show me due for XXXX XXXX, XXXX. This can not be legal. Roundpoint is a crooked servicer who thinks they do n't have to follow Respa law regarding servicing and servicing loss mitigation situations.
Consumer complaint received 2017-08-26
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (SC)

I have been experiencing identity theft for the last year and a half. I have contacted the XXXX XXXX police department here in South Carolina and have submitted all documentation to all three credit bureau 's. Discharge on my credit as negative from XXXX Bank for over {$4000.00} is identity theft and fraud. My home was burglarized back in XXXX and they have everything for my birth certificate Social Security card credit cards checks from XXXX XXXX bank everything. They opened up bank accounts in my name credit cards to retain goods of a fraudulent nature. Changing in XXXX have been very understanding. XXXX has given me the hardest time, and look at me as if I 'm a criminal. I handed them a notearised police report as well as other documentation and they keep telling me that it 's my account after their investigation. However it is identity theft someone is pretending to be me I have freezes on all my credit reports and I 've submitted everything they needed to pull that off my credit but still they wo n't
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I have XXXX issues to report regarding my Experian Credit Report. The first issue concerns a collection account that I have paid in full and the second issues concerns fraudulent credit inquiries on my report. 

( 1 ) XXXX Account XXXX XXXX XXXX, XXXX, I paid a past due account in full which was being collected by XXXX XXXX XXXX. ( Please see attached documents for verification ). Upon that payment, XXXX XXXX XXXX informed me that they would send notification to each of the XXXX major credit bureaus that the account had been paid in full. Almost two months have passed since that time and Experian has yet to remove the " collection '' from my account. Yesterday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX to ensure they had sent the notification. They informed me that they had and had sent a further " expedited '' notification to the credit reporting bureaus to have them remove the collection from my account. I am in desperate need of the collection 's removal because I am looking to refinance close to {$200000.00} in student loans. The refinancing company will not move forward with that process until the collection is removed from my account and so each day that passes, I incur greater interest charges. 

( 2 ) Fraudulent Credit Inquiries At some point in early XXXX XXXX or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Experian in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : ( i ) XXXX - XXXX XXXX, XXXX ( ii ) XXXX - XXXX XXXX, XXXX ( iii ) XXXXXX/XX/XXXX - XXXX XXXX, XXXX
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

In XXXX I had a bank account with Wells Fargo Bank in XXXX Arizona. I closed the account when they told me I owed them & gt ; {$9000.00} in overdraft fees. Then In XXXX Wells Fargo took all of my money out of my account at XXXX Bank XXXX, XXXX AZ right after I had refinanced my home. The amount was {$14000.00}. I filed a complaint in courts in XXXX, AZ and the Judge ruled in favor of the collection company that bought out the debt from Wells Fargo Bank. The collection company stated that the debt was for a credit card. I did not have any credit cards with Wells Fargo Bank! I did not have a credit rating high enough to get ANY credit cards, let alone XXXX for $ XXXX. I did not owe Wells Fargo Bank that money and now have lost $ XXXX to their collection company. I asked them for proof and accounting of the money they stated I owed and they would not provide that to me. 
So without any proof of the money owed or any accounting of the fees or any financial statements, the Judge gave the collection company for Wells Fargo Bank my $ XXXX dollars. 
Is there any recourse for me? Would n't they have to prove that was truly owed to them? There was nothing on my credit reports that stated that I owed Wells Fargo Bank any money for credit card debt PLEASE HELP. I can get the transcripts of the court appearance for proof that the atty stated that I owed for a ( nonexistent ) credit card
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (OR)

Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE (CA)

My mortgage is with Sierra Pacific since XXXX XXXX. They have lost payments, misapplied payments and charged me late fees when they were n't due. I have called them and emailed them numerous times with NO response from anyone there and finally contacted the mortgage broker that handled my mortgage origination to see if he could help. He was assured by the company in his communication with them that the problems had been resolved but as of XXXX XXXX XXXX it has not.