davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

I submitting my complaint against Wells Fargo because I feel as if they are not ever going to assist me in saving my property against foreclosure. I am currently XXXX months behind and was recently declined for a loan modification. Once I received the decline with Wells Fargo, I reached out to a HUD XXXX who advised me to visit a website by the name of https : //www.checkmynpv.com/bnpv-ui/pages/start.xhtml, which I was told is an NPV calculator and imputed the exact numbers used to calculated my NPV. To my surprise, the XXXX calculator came back with a recommended loan modification based on all my information and not a decline like Wells Fargo gave me. I want you to please help me contact Wells Fargo because I do not want to lose my property to foreclosure but just do n't feel like they are going to listen to me. I feel very uncomfortable dealing with them. A few weeks ago my husband called and was treated as if he was committing fraud simply because there was an answer that he was n't able to answer the way the rep at Wells Fargo wanted him to answer. After a XXXX minute conversation, the rep came back to my husband after talking to someone in charge and told him that his explanation was ok. My point here is that Wells Fargo makes everything so difficult and I believe that they are acting in their best interest. I trust that I have a good case because I do not think a government website like the XXXX would make a mistake and provide a recommended approval with all the information that matched Wells Fargo 's decline. I have attached a copy of the recommended approval along with the inputs that Wells Fargo provided to show that everything matches up. In addition, in the past I have tried applying for assistance while I was current on my mortgage and my property was underwater and was also declined. Now that my property has equity, I feel that Wells Fargo is trying to have me foreclose because they can get their money back. They are the investors on my loan from the paperwork that they provided to me. Thank you
Consumer complaint received 2016-12-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

My loan was transferred from XXXX to Carrington Mortgage Services XX/XX/2016. They have received payments from the time they have had my loan. No missed payments, I have made payments through my bank with does a ACH withdrawal and I have requested for my monthly authorization of payment statements and was told they no longer provided them. They will not send any records as requested by writing regarding my loan balances and payments. I have been transferred and lied to multiple times I was told my payments were ahead a month and now they tell me I owe them for XX/XX/XXXX and XX/XX/XXXX, therefore I 'm told I am XXXX months behind. They have sent letters of intent for foreclosure and certified mailings to my address in which I am still occupying the property. They have sent so many threatening letters and they have still been receiving payments toward my mortgage from my checking account, but have the monies have been placed in a " suspense account. '' The money in the suspense account should be applied to my mortgage and other monies that were received from XXXX should 've been applied also but I 've been told they have been reversed out and placed unapplied funds. I am based in XXXX and this company is in XXXX. I have sent a letter requesting a research audit on my account and they have sent the letters back to me in via XXXX. Over the phone, I have been transferred and placed on hold and told no managers in loan servicing dept are available I can leave a message for a call back withing XXXX hours and no one has called to discuss my loan with me. This company has poor business practices.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The majority of attachments with this provides ample evidence of what occurred. Long story short I have been a Bank of America Customer for over 20 years, not once have I been notified of any civil lawsuits, I was always suspicious of what might be going on with my checking account, debit card, credit cards, and never seemed to add up and seemed like more money than I anticipated was taken out of my accounts in addition to not being granted what was promised with the Credit cards such as cash on rewards etc. I Recently discovered that back in XXXX there was a Civil lawsuit in which there was an XXXX XXXX dollar settlement paid out to BOA customers who were hit with ample fees for having non sufficient funds, being penalized when a check was posted to my accounts, and discovered this was going on a long time ago when BOA would charge an overdraft fee then charge again after in which this happened repeatedly. I connected the dots a few months ago, drafted up a 30 day demand letter, sent to them in the beginning of XXXX, they did respond after 30 days, didn't address anything in the demand letter, and advised me to get in contact with their collection agency attorneys XXXX XXXX  XXXX in NY. I did forward the demand letter to XXXX XXXX  XXXX, they did respond, didn't acknowledge anything in the demand letter, and NOT ONLY DID THEY IGNORE IT BUT THEY DEMANDED THAT I PAY BACK AND THEY COLLECT A BALANCE FROM A PAST CREDIT CARD THAT WAS CHARGED FRAUDALENTLY. I WAS LIVID AND COULDN'T BELIEVE THE HIPPOCRASY OF THE SITUATION. I will be contacting their over draft settlement contact and not keeping my hopes up. Attached is ample evidence of what occurred. Please assist and advise. I would greatly appreciate it.
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

On  XXXX   XXXX ,  2017  I submitted letters to  XXXX  requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.      XXXX  addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AL)

I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (NC)

Every month I receive a statement from Synchrony Bank showing a balance due in the amount of XXXX on a XXXX XXXX account. I 've contacted the bank and was told there is no balance due and there is no explanation given as to why I am receiving these monthly emails. I am concerned that my credit may be negatively effected by these erroneous statement which the Bank denies is occurring. 
I would like the Bank to correct this and I would like the emails to stop. The bank has sent me a letter at my request indicating there is a zero balance on my credit care account but I am still concerned the bank can not stop the emails.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NH)

On XXXX I originated an external transfer from my XXXX XXXX XXXX account to my TD Bank account for {$250.00}. At no time was I advised there would be a fee for this transfer. In fact, the confirmation I received clearly stated no fee associated with transfer. Checking my XXXX account on XXXX, I noticed a misc fee of {$3.00} being charged. I contacted XXXX on XXXX they informed me this fee originated from TD Bank for transfer. I called TD Bank on XXXX and was informed that yes, there is a fee assessed. I advised fee never disclosed as required by law they either refund or I file a complaint. The customer service rep refunded me the {$3.00} to my TD Bank account. On XXXX I checked my XXXX account and noticed this time XXXX {$3.00} fees have been deducted by TD Bank . I contacted TD Bank customer service, speaking with XXXX - Customer Service Manager. I informed him what had transpired yesterday and that today TD Bank has re-assessed me the original fee, the refunded fee and an additional fee. XXXX indicated he is not going to refund the fees because there is nothing he can do. I again informed TD Bank that the assessment of the fee was not advertised and in my opinion is in violation of the law. I further informed XXXX that if I did not get the fees refunded I would be filing a formal complaint - he told me to do what I felt I had to do. I
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

My mortgage company, XXXX serviced by Nationstar Mortgage LLC continues to misapply my monthly payments. 

I have always paid my mortgage payment twice a month. This service provider recently purchased my servicing rights and sends me a past due notice every month stating that they have n't received my payment. After I call, they then find my XXXX payments and apply these to the mortgage. Every month I 'm told it has been corrected and wo n't happen again. I 'm tired of this run around. I believe this is a violation of the Prompt Payment section of the Dodd Frank act. 

This monthly call is a nuisance. My fear is that I 'm going to forget to call XXXX month and Nationstar will report negatively to the credit reporting agencies. Also, I 'm unsure that my payments are actually being processed correctly since I have not received a statement showing payments applied since Nationstar took over servicing rights.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (AL)

I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received XXXX fraudulent charges over a two day span that were applied to my checking accounting totaling an amount of {$2700.00}. I contacted Bank of America on the second day when I noticed the charges, and had them closed all the cards associated with the account to stop all activity. I submitted a claim which was processed and returned back to me a week later that advised my claims was rejected due to the charges processing correctly. The evidence regarding said charges clearly demonstrations that all {$2700.00} was fraudulently removed from my account. 

Date : XXXX XXXX, 2016 XXXX, AZ XXXX Checking Account Ending in XXXX Claim Number : XXXX Initiation date : XXXX/XXXX/2016 Bank of America Claims and Disputes XXXX, NC XXXX Dear Sir or Madam : I am writing to dispute fraudulent transaction ( s ) on my account in the amount of {$2700.00}. Unless this is an error on your part, I can confidently assume to be a victim of identity theft, because I did not initiate and approve the transaction ( s ). I am requesting that the transaction ( s ) be removed from my account and all finance and other charges related to the fraudulent transaction ( s ) be also credited. I would also like to request a revised account statement to ensure appropriate changes to my account have been accurately made. Enclosed are copies of my statement with fraudulent transaction ( s ) highlighted supporting my position. Please investigate this matter and remove the fraudulent transaction ( s ) as soon as possible. 

I have filed a police report with the XXXX Police Department located at XXXX, AZ XXXX. The phone number to the police department is XXXX. I filed my report with Officer XXXX and his badge number is XXXX. The police report number is XXXX. 

I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2016. My case number is XXXX. 

Also on XXXX XXXX, 2016, I filed a complaint with Federal Deposit Insurance Corporation ( FDIC ) to help facilitate the investigation into my claims with Bank of America. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-12-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AUTOMOTIVE CREDIT CORPORATION (MI)

In XX/XX/XXXX my ex husband and car salesmen told me to sign a document so my name can be on the title of his new car purchase in case I get pulled over. I told them I was n't co-signing and they assured me I could n't because I did n't have good credit and it was only so my name would be on the title. I signed a piece of paper and fast forward XXXX years now the debt is mine. The creditor has taken my state taxes. I 'm remarried and they have gone into our joint account and taken over {$600.00} ( which was our rent for that month ) and I was n't working so it was my new husband income but according to the bank married couples take on each others debt. Now they are taking my child support from my personal account I 've had for years with no incident until they merged with another credit union. Although I have not worked since XX/XX/XXXX they continue to harass me and recently took {$7.00} well because that is all I had left in that account. I made a {$300.00} deposit to rent a car but took it out the same day once I could n't get the rental. My point is there are no deposits for this account other than child support from a income standpoint. I called my credit union once before on the same issue and they told me they could n't do anything because it was a garnishment. I informed them it is illegal to take child support as payment for a debt. They informed me that any deposits made to my account is fair game. So, I 'm at a loss and will have to file for bankruptcy I 'm guessing. However, I wanted to put this on the record that I have contacted the Attorney Generals office and they sent back the creditors response which included the form I signed plus another XXXX I did n't sign that miraculously had a signature that was n't mine on it. These creditors take illegal measures with consumers that ca n't afford to fight back because no one holds them accountable. So for all the consumers out there, DO N'T SIGN ANYTHING WITHOUT READING IT.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

Response to My claim Case number : XXXX TD Bank will send a check to the Customer in the amount of {$95.00} within the next 30 business days, as a courtesy fee refund. The attached explanatory letter was mailed to the Customer. 

I, XXXX XXXX never received the check from TD bank. Today is XXXX ... and no check. received.
Consumer complaint received 2016-12-28
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (WY)

We submitted a complaint to the CFPB on or around XXXX XXXX, 2016. Case number : XXXX, regarding an issue with trying to get approved for a deed in lieu through our mortgage lender Penny Mac. We received a reply from the CFPB with the response from Penny Mac. The information that Penny Mac provided as proof of their resolution is fraudulent, as all of the information pertains to another customers loan and loss mitigation. None of the information pertains to our loan or our complaint with regards to our dissatisfaction with our loss mitigation process. I contacted XXXX who is the complaint specialist at PennyMac, on XXXX XXXX, as I wanted to speak with her about the inaccurate information on our complaint, and have not heard back from her as of XXXX XXXX. We did receive an email from Penny Mac on XXXX XXXX that the appraisal is approved, and received a call from XXXX XXXX our loan specialist on XXXX XXXX, telling us we were approved for either short sale or deed in lieu, and that once submitted, we would have an answer within 10 days. We had a buyer who submitted an offer in XXXX of 2016, but due to the lack of progression with Penny Mac, and lack of response, the buyer decided to withdraw their offer. We contacted Penny Mac on XXXX XXXX, letting them know we would like to go ahead and proceed with the deed in lieu. On XXXX XXXX, I received word ( after submitting a signed Deed In Lieu incomplete Package letter, that we now are in attorney review for the title, however again as we were told in the first week of XXXX 2016, the 10 day period would not start until our package was completed, and we were not given a time frame as to how long this review period might take. the last review period with the underwriter, we were told we did n't have a completed package, and had no progression, until after we submitted a complaint with the CFPB. We are not financially in a position where we can continue to pay both our rent ( which our entire XXXX is coming out to pay as we are living on base ) as well as our {$2100.00} a month mortgage, which we are using up our savings to pay. We also are continuing to pay the utilities on the home in NJ, as Penny Mac requires it to be in good condition at the time of closing. We are tired of getting the same robotic answer, which is n't even an answer, and are extremely afraid that this next " review '' period will again continue to take months. Also our other major complaint is that the CFPB was lied to with regards to our previous complaint, and that the information provided to the CFPB was factually inaccurate and did n't even pertain to our loan or loss mitigation request.
Consumer complaint received 2017-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (NJ)

I owed Ally Bank fees for excess mileage at the end of my lease. Ally issued my final statement o n  XX/XX/XXXX which was paid by me on  XX/XX/XXXX  Since  XX/XX/XXXX  Ally has called me or my family members constantly. I or another family  member have informed Ally on multiple occasions that this debt has been taken care of but they continue to call and harass and insist the debt has not been paid despite my having confirmation numbers and bank statements to corroborate this.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Based on the PennyMac response received on XXXX for case number XXXX, it looks like the bank sent my property tax payment to XXXX XXXX County instead of XXXX XXXX County. They need to confirm that the payment was sent to the correct county. Please investigate and let me know for sure when XXXX XXXX County received the payment. Again, I am not responsible for any late fees. PeenyMac should be responsible of the late fees if any.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

I filed XXXX complaint against Wells Fargo but nothing was accomplished. I 'm not sure what good it does for filing a complaint if you guys believe whatever the bank tells you. I tried to get a pay off amount for our loan and they told me they had to order XXXX which would take XXXX to 7 days and my sale date is XXXX XXXX. The supervisors name is XXXX XXXX is his employee I 'd. We are submitting new paperwork tomorrow for a loan modification and we 'll see what they say now since my wife no longer is in the military to get les statements. It 's pretty sad that banks would force people to file chapter XXXX bankruptcy rather than work with them to save it
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Yes, I was paying my monthly bills and came across a bill for a capital one XXXX XXXX, I was not aware it existed. And I looked and there were XXXX charges XXXX for {$10000.00}, and the other for approximately {$5000.00}, I did not apply for this card nor did I authorize these charges on this card I was not aware of. I filed a fraud complaint and received this letter back today. With no appeal letter included. 
I have a copy of the letter. I would really like to resolve this and will hire an attorney if necessary.