davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo XX/XX/XXXX to ask about making a lump sum principal payment before my next payment. I was told by corporate to go into the branch and pay before XX/XX/XXXX payment is withdrawn so it can all be applied to principal loan. I went to the bank on XXXX/XXXX/17 gave them {$140000.00} towards the principal. I was given a new amortization schedule to show my XX/XX/XXXX payment principal would be {$770.00} and interest would be {$200.00}. I looked online days later and my {$140000.00} is still not applied. I called corporate and was advised they are " holding '' the money until XX/XX/XXXX the day after my withdrawal for XX/XX/XXXX payment is made. They also said the new amortization schedule will not go into effect until XX/XX/XXXX. This is not what I was told verbally by XXXX different employees and handed a new amortization schedule. As of today right now the {$140000.00} is still not applied to my account and I 'm being told it should happen over the weekend. I am also being told that we will not get any interest on them holding our money. They keep telling me be patient and wait.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (GA)

RE : Equifax Temporary Freeze Lift Service tool free # XXXX ; automated not user friendly and telephone prompts malfunction. I was not prompted to provided my XXXX digit PIN Number by telephone and online Equifax service. On Tuesday, XXXX XXXX, 2016 I made five separate attempts to access the Temporary Freeze Lift from XXXX XXXX, 2016 to XXXX XXXX, 2016 to no avail. This morning XXXX XXXX, 2016 around XXXX, I telephone Equifax at XXXX and spoke with a live Customer Representative named XXXX . XXXX was instrumental in assisting me with the following : 1. Free Annual 2016 Credit Report ; 2. Educated me on the how long certain information remains on my credit history and provided me with a tool free number to speak with a customer representative that could temporary lift my credit freeze. XXXX was most professional, informative and very polite. The toll free number I telephone was XXXX, I spoke with customer representative " XXXX '' I repeated the above request mentioned and was told that she could assist me but I would have to pay a {$3.00} fee because I was speaking with a live rep. I explained to XXXX that Equifax system is programmed NOT to allow me to temporary lift a freeze online as well as thru Its automated system. XXXX told me she would assist me and asked for my credit card information. Due to nature of which I need the temporary lift, I gave XXXX this information. XXXX processed my credit card and charged me {$3.00} then told me that due to the fact that she 's located in the XXXX XXXX, it would take approximately 2 weeks before my request would be processed. I asked XXXX if I could speak with an American XXXX in the city and state of XXXX, GA and she told me no. The dates I need the lift is XX/XX/XXXX to XX/XX/XXXX. XXXX waited until she got my credit card information and processed my card before she told me that the dates I need wo n't happen. This is not good customer service and I request the following : 1. That Equifax reinstate me to use the automated temporary freeze lift and not have to give my confidential information to to foreigners outside the United States. 
2. Mail me a confirmation to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX and that it has included me in the automated phone listing so I can once again access my own temporary freeze lift and not be sent outside the U.S. which is a major red flag in dealing with my personal confidential information. 
3. Allow me the opportunity to also conduct the temporary freeze lift online because It has also blocked me from doing it that way. 
3. Refund me my {$3.00} back to my card account because this is not my fault. 
4. Please reply back to me within five ( 5 ) business work days regarding my complaint issue. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-11-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

We were in the path of hurricane Harvey. We applied and was accepted for the disaster relief. TD Auto Finance ( TDAF ) felled to do the paperwork on their end. We have contacted them 7 times regarding this matter. Each time they say it will be correct within 48 hours ( 2 business days ). It has still not been corrected. This was in early XXXX, we were granted a 2 month extension. On XXXX XXXX 2017 they reported on my credit report that I am 30 -59 days past due. This decreased my XXXX score by 49 points and my XXXX score by 34 points. This has created another financial hardship on us ( we  were trying to buy a new vehicle ). Since the relief period, we have made two payments and bot times we were told the problem would be handled. Now this ... 
Now we are unable to get a good loan due to the incorrect reporting from this company. We are not trying to say we are perfect, we are not. The incorrect reporting hinders us greatly. 


XXXX XXXX
Consumer complaint received 2017-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE (CA)

I have 5 different CD accounts with Barclays Bank. They have all been funded and have recieved proof of funds being placed into all 5 accounts accounts in the mail from Barclays Bank stating the facts and account information as well as emails from them stating these same facts. Now that one of my CD accounts have reached maturity I would like to transfer the funds to another account as contract states I 'm allowed to and Barclays Bank is not allowing this saying that I am not able to do this because I have not verified deposits into my account. They say the send these test deposits into my accounts but I never actually recieve them resulting in me not ever being able actually to link an external account to Barclays and thus not being able to transfer my funds. They are not allowing me acces to the funds in any of my 5 accounts because of this. Yet they are still using my borrowed funds from all 5 accounts and not allowing me access to my owned accounts and funds. This is illigal.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past 2 years, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

One time I was denied by the reentry team verbally stating that I did not earn enough income. Then they denied my application verbally stating that I earned too much! After that they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2014, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to to the fact I am of XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information ( including at XXXX point my deceased mother-in-law 's tax returns ), and generally making it very clear that they had no interest in helping me for 8 years now. 

Further, I believe I have been discriminated against due to my XXXX gender, as well as my foreign national origin as evidenced by my XXXX accent, which I have received comment on from Wells Fargo on more than XXXX occasion, where the bank 's personnel have expressed frustration dealing with me due to my accent.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a true credit monitoring service and was alerted at the beginning of this month that a state tax lien has been added to my report. I tried to dispute it online but I am locked out of disputing which I do not understand since I pay every month for this service. I have called in 4 times this month and told them I have no such lien and it is still there!! It is not on XXXX or XXXX and never has been. I also went to the XXXX County Courthouse and was given a letter stating they have no such lien against XXXX XXXX at XXXX XXXX XXXX, XXXX sc XXXX with social XXXX in amount of {$5300.00} and have not supplied such information to transunion. I am trying to buy a house and they have ruined my credit. I need this deleted asap!!
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a complaint about unauthorized inquiries on my credit report transunion refused to remove them I contact the XXXX, XXXX XXXX an XXXX they agreed to remove but transunion still want take them off an they have block me from online access the XXXX tell me I need to call in any dispute I have the error message tells me it requires manual handling
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, Equifax, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Consumer complaint received 2017-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MS)

At least twice in the last three weeks my husband has recieved a call from sallie mae. I recieved a student loan in XXXX with my name being the only name on the loan. I have never lived in a community state. They were trying to recieve payments and told him to verify my birthdate to recieve all of my private confidential financial information. I have never sign or voiced permission for them to speak withanyone on my financial information. I understand myself getting calls to pay the loan that I am not able to pay currently but they have no right to contact my husband nor give him my finacial information, as well as bother him at work. That is illegal.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Professional Debt Mediation, Inc. (CA)

I XXXX, XXXX a " Consumer '' hereby declare to be the owner of the equitable title to that debt. I do not know anyone else who owns the equitable title, if you think you do or knows anyone who does, you must state so. If you can not state anyone, then I am the owner. And if I own equitable title then I ca n't be the debtor and the beneficiary of the trust at the same time. It is hereby declared as the beneficiary of the trust, I order you to rebut my claim. 

I XXXX, XXXX, I accept as grantee, now coming as Grantor/Settlor, return by custodial delivery of equitable title/receipt for proof of same subject matter on special deposit with Trustee ( s ), PROFESSIONAL DEBT MEDIATION for alleged original creditor XXXX, with intent and purpose to use, enjoy, extinguish, settle, close, and to release collateral, and all encumbrances for the benefit of " XXXX '' including deleting the referenced negative line of credit and all lines of credit that remain on my report in conflict with the FCRA. I also require to be made whole financially at $ XXXX/per FCRA violation by PROFESSIONAL DEBT MEDIATION, which totals to {$4000.00} to be made available to XXXX, XXXX ( 15 USC 1681n ) for the willful noncompliance of this company using my information this long with out my consent and without properly providing me with an detailed copy of the investigation that took place to let this damaging balance remain on my credit report " AFTER '' being PAID IN FULL on XX/XX/2014 ( see attached receipt ). 

The FCRA 15 usc 1681 frowns upon the re-insertion of unverified debt, and has continuously damaged me for the period lasting over 30 days in violation of 15 USC 1681 ( i ), ( j ) & ( m ). I also have an UCC 11 debtor search Certified from the Texas Secretary of State showing there is " XXXX '' debt owed to any alleged creditor ( see attached UCC11 ). I further require a return of the proceeds for the use of my private property ( SSN ) and all other equitable relief I am entitled to as a " consumer ''.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: OLIPHANT FINANCIAL, LLC (NY)

I have filed several complaints and am getting nowhere. I am attaching XXXX response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
Consumer complaint received 2017-01-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Prestige Financial contacted XXXX of my references and gave detail information on her voice mail regarding my account : My account number, the amount of days past due, My full name and also other confidential information that was not permitted to give out to any unauthorized 3rd party. 3rd party ( reference ) advised Prestige Do not Call her phone any more and she was called several times after that. I have received threating emails, text message and calls multiple times a day.
Consumer complaint received 2017-12-15
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: Experian Information Solutions Inc. (CA)

I 've disputed several accounts with Experian and even provided police report and ID Theft affidavit to help resolve the issue and Experian has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3 XXXX XXXX XXXX # XXXX
Consumer complaint received 2016-06-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WA)

A mortgage broker ( Sebonic Financial/ Cardinal Financial ) charged my credit card for an appraisal/inspection fee ( of {$400.00} ) on a ( short sale ) home that I was hoping to buy. The sale never went through yet the mortgage broker refused to refund my money. They have essentially opted to keep my {$400.00} without providing the service and I need my money back. 
I have a detailed package of the incident that I 'll upload with this complaint.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC. (TN)

I had gotten XXXX back in the year 2012 and after having problems with the services, I called them to cancel my services with them ; it was off more than it was on. They sent me a box to ship all service equipment back to them and I did just as instructed. The representative informed me that if I return the equipment then I would not owe anything. I had not gotten any statements from XXXX and the only thing I knew was after checking my credit report it was with a collection agency as an open account. I have not used XXXX since 2012 and all equipment was returned back to them. The collection agency AFNI told me that this is an open account and I need to pay it in full or further action will be taken against me.
Consumer complaint received 2016-11-29
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

My employer issued my wages on a business check with funds held at Suntrust Bank. 
I presented the check ( instrument of commerce ) to the Teller at Suntrust Bank. 
They stated that " internal policy '' was that NONE of the THREE ( 3 ) separate forms of Government Issued I.D . 's were " acceptable '' to them to exchange the check for cash ( FRN 's ) Their POLICY violates LAW under the Uniform Commercial Codes - as well as Rules that the Federal Reserve standards for banking. Furthermore - they wanted to charge ME a " fee '' for being a NON DEPOSITOR of their institution. Their branch manager REFUSED to provide me a copy of their Policy, cite any Legal Authority, provide the name of their legal counsel, and stated that I could call their XXXX # to file a complaint with Suntrust. Suntrust is n't operating their Federal Reserve branch offices UNDER THE LAW - or Under Federal Reserve 's Rules - WHO INVESTIGATES CONSUMER 'S COMPLAINTS? I am a SS # AccountHolder Attached to a LEGALNAME - Registered to Operate In Commerce - but - acting as the Agent of my employer in Presentment of the Bill of Exchange - NONE of MY LAST XXXX complaints I 've filed with this " CFPB '' have resulted in any remedy at law - therefore why SHOULD N'T we just shut this " government agency '' DOWN?
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Clear Debt Solutions, LLC (SC)

This company called me XXXX XXXX, 2016 regarding a debt that I have no knowledge of. I have never heard of the company and the man was harrassing and said I must file a police report. I stated no I did not have to do anything, but by FDCPA they were required to send me a notice in writing regarding this alleged debt. They have the incorrect employer, bank account and email address that they stated they have on file for me. I was transferred to a supposed manager and he was threatening to me and harrassing when I asked repeatedly for their mailing address. He asked for what? I stated to mail correspondence. He then went on and said, let 's see, we are going to find out what property you have and take a lien against it and we are going to charge you with fraud and I stated again please provide me with your mailing address. After several attempts he finally provided it to me. This company is not licensed to do business in my state and they are trying to use illegal tactics to get people to pay debts that do not belong to them.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I was issued a Citi Credit Card with Costco after the shift from XXXX to Citi Visa. 
I called on multiple occasions to add my wife to the account so she too may have a card. Citi most likely has access to all the calls, I estimate at least XXXX10 calls were made to add her. Once added I was told a card would be in the mail soon, this was in mid XXXX. Two weeks later I call again, this time they send me to Customer Service who confirms a card was not sent although my order showed it was complete. So they said they would send a card. Nothing. 
I call two weeks later and again they say it was supposed to be sent but was n't and promise to overnight it. I am not kidding, but this happened now two MORE times! 
I have spent over 1.5hrs calling and waiting with Citi and they have not sent me a card they promised to send 5 different times. The last call ended with a supervisor promising to call me at XXXX XXXX on XXXX XXXX. It is not XXXX and no call has been received. 
These practices by Citi should be reviewed by the CFPB, I am being strung along and Citi is making promise they are not delivering on. All my calls and attempts have lead to nothing, and I have nowhere else to go.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation (AL)

I looked up deferred payment on the wed site of Bridgecrest and call as asked for one. I was told they do not have a deferred payment plan at this time. I asked to be transferred to a supervisor and she told me I had to provide documentation before deferred payment could be provided. If a company has a deferred payment plan it should not require consumer to provide proof before even considered. Deferred payment only moves one payment to the rear and should not be hard to do when the consumer payment record shows no late payments or missed payments. I am a XXXX veteran and to see a company not provide services to consumers is unacceptable.