davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: United Student Aid (USA) Funds (KS)

In XX/XX/XXXX I began automatic withdrawals to Pioneer Credit Recovery and my final payment was made in XX/XX/XXXX for a total of {$810.00} ; XX/XX/XXXX-received a letter from USA Funds saying they were the guarantor and I was in default but no amount given ; XX/XX/XXXX-another letter from USA Funds but this time with C/O XXXX Post Claim Assistance and wanting payment sent to XXXX XXXX Inc. and threatening offset of my taxes for {$170.00} ; XX/XX/XXXX-letter from XXXX with a notice to contact XXXX for a review for {$210.00} ; XX/XX/XXXX-letter from XXXX and contact info for XXXX for review for {$220.00} ; XXXX from Enterprise Recovery System and again XXXX listed for review and for {$180.00} ; XX/XX/XXXX-letter from XXXX, finally no XXXX, for {$180.00} ; XX/XX/XXXX-Dept of Treasury notice of offset for {$170.00} paid to DoEd C/O XXXX. It is my understanding that XXXX is/was a subsidy of XXXX and I made XXXX payments of {$68.00} and one last payment of {$3.00} for a total of {$810.00} but yet XXXX has been haunting me throughout all of this. I have paid the final & XXXX twice to them.
Consumer complaint received 2017-03-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On or about XX/XX/2016 I applied for XXXX equity lines of credit on rental condos from Union Bank, XXXX, CA, office with XXXX XXXX, AVP and Senior Relationship Banker and furnished tax returns and other documents. There were to be no points or closing costs, including no appraisal fee. On XX/XX/2016 he told me he needed XXXX additional documents which I furnished immediately. On XX/XX/2016, he told me he needed an additional document, which I furnished immediately, and at the same time indicated that closing would occur by the end of XX/XX/XXXX. On XX/XX/2016, he told me he needed additional information which I furnished immediately. During the process, he unsuccessfully tried to manipulate me to open an unnecessary savings account. XXXX loan was finally recorded XX/XX/2016, but the other application was declined since Union Bank 's policy is to provide a maximum of XXXX equity lines, and I already had XXXX, which was known to XXXX XXXX up front. I learned of the declination orally around XX/XX/2016 but never received written notification of the decline. ( Does n't ECOA require a declination in writing? ) I informed the processor that I would like to reapply for the loan that was declined, simultaneously cancelling the smaller existing line of credit so that Union Bank 's maximum of XXXX lines will be maintained. The processor informed me that the Branch must affirm that appraisal fee will continue to be waived as in the original application. I visited the Branch on XX/XX/XXXX and left word for the Branch Manager, XXXX XXXX to call me. She did not call nor respond to two voice messages to return my call which I left on XX/XX/XXXX and again this morning.
Consumer complaint received 2017-03-03
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo foreclosed on my home & the courts have sent me a letter indicating that the actions were within the bank 's right. I 'm being forced out of my home where i 've lived for 16 yrs with my late husband of 30 yrs. My husband passed away 2 yrs ago XXXX XXXX, XXXX. I 'd taken total care of him here at home for almost 7 yrs due to XXXX caused by XXXX XXXX XXXX in XXXX. He had a reverse mortgage & I am his spouse without any options for shelter! I 'm almost XXXX yrs old & I suffered a XXXX as he lay XXXX in the hospital 2 yrs ago.Pls Pls Help Me!!! We were a dignified family who worked extraordinarily hard for our family. My XXXX did business with XXXX XXXX, XXXX XXXX XXXX & other notables such as XXXX XXXX XXXX XXXX formerly of XXXX XXXX Bank. Something is very unethical about this process. I do not feel that anyone attempted to assist me in keeping my home. I have a right to maintain my home & dignity. My health declined tremendously after his death. Attached is a copy of the order from the courts. I 've been trying to secure relocation assistance from XXXX but have only been offered {$1000.00}. I 've lived in the area for over 40 yrs & I do not want to ever leave. I believe that my current President would not agree with such actions against someone who worked so hard to build businesses. I feel victimized & discarded. I 'm born & bred in America. My husband was XXXX. I own nothing anymore!!! Pls help me to keep my home! I am just beginning to come out of the worst nightmare of my life! Thank You. XXXX XXXX XXXX Case number : XXXX from the XXXX Court XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-04-29
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. (MI)

On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.
Consumer complaint received 2017-08-21
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: EQUIFAX, INC. (IL)

I have 3 times explained to transunion and equifax about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.
Consumer complaint received 2016-04-27
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

Western Union withdrew {$3000.00} from my account on XXXX XXXX, 2016 for a money transfer. The money transfer was cancelled but the funds were never refunded to my account. 

I have called western union numerous time but every time I get a promise of resolution within 24 - 48 hours. As of the date of this complaint i.e. XXXX XXXX, 2016 Western Union has still not refunded my funds.
Consumer complaint received 2017-07-19
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: JPMORGAN CHASE & CO. (TN)

Chase has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the XXXX to say otherwise needs to be reported. In addition, I 've found that CHASE has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using Amazon as a source!
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Citi Card-   XXXX  Complaint - Account- Facts : 1 ) O n  XX/XX/XXXX  a charge for {$95.00} appeared on my credit card statement.    2  ) Immediately upon receiving credit card statement I disputed the charge with  Citi Cards s ince we do not use  XXXX  products.    3 ) Citi Cards  issued conditional credit  XX/XX/XXXX . .I thought the situation was resolved.    4 ) O n  XXXX   Citi Cards reve rses the credit and bills me $  XXXX a gain.     5 )  I called and cancelled my credit card since  Citi Cards  supports fraudulent transactions.    6 ) Citi Cards  continues to bill me for this invalid charge and adds interest.   7 ) On  XXXX   XXXX   Citi Cards  sends me the fraudulent explanation from  XXXX  where they have manufactured a Customer Check- Out Report that we have never seen and have not authorized.    8  ) On  XXXX   XXXX ,  XXXX  I write a formal complaint to  Citi Cards.     9 )  My wife and I do not use  XXXX  software on our current computers.    10   ) M y wife and I have NOT authorized a renewal of  XXXX  software.    11 )  My wife and  I N EVER authorized a charge to our credit card for  XXXX  software in the amount of {$95.00}.    12 )   XXXX  is attempting to perpetually bill us for a product we do not use.    13 )   XXXX  and Citibank are attempting fraudulent billing tactics on senior citizens, hoping we will pay the bill to stop the harassment.    14 )  The Customer Checkout Report that they have generated is pure fiction. We NEVER authorized such a charge since we do not use their product. They must be using data from a previous computer or transaction.    15 )  We will not be paying for a product we do not use for the rest of our lives.    16 ) Y ou will note on the internet that  XXXX  is attempting this fraud on many people. Exhibit  6 17 )  We had to cancel our credit card with  Citi Bank   ( w hich we had for over 16 years ) since they put an unauthorized charge on our account and would not remove it.    18 )   XXXX  is simply a scam artist attempting to push perpetual contracts on the public.    19 ) Citi Cards r efuses to remove the charge and says it our responsibility to get a credit from the scammers rather than having the scammer provide an authorized charge from us.    20 ) Citi Cards  are now continuing to bill us for this unauthorized charge plus interest.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

Approximately two years ago and recently, I acquired with Navient about lowering my student loan payments. They insisted they could not do this because the rates they charged must be consistent with what the federal government wanted them to charge for my student loan. Also I was told I had to have a specific type of repayment plan, just to be qualified for public service student loan debt forgiveness? This I find appalling and unacceptable. Navient should not be able to make faulty profit off of our hard earned dollars as a student or former student. I am requesting that their claims of following government rules and charging mass amounts of interest be looked into. I also have reservations as to how my loans were handled with my XXXX XXXX XXXX XXXX College, whom that branch has been closed down for two years due to losing their accreditation? Please look into this matter and advise on next steps or options. Many Thanks,
Consumer complaint received 2017-07-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I was applying for re-finance for 15-20 yr. mortgage from Wells Fargo . the Principals I dealth with were XXXX XXXX, XXXX XXXX XXXX and and complaint dept. rep. XXXX XXXX XXXX XXXX. Interaction begain by phone starting around XXXX XXXX XXXX-XXXX XXXX. After paying {$540.00} home inspection for XXXX XXXX XXXX ( later re-funded after filing a despute ) the home has been financed thru Wells Fargo for past 10 yrs. we were advised by XXXX and XXXX that we were " near approval by the underwriters '' but would need to pay off several consumer accounts, they were specific about which ones to be retired totalling approx. {$2000.00} worth of payoffs which we did, only to be told finally that we could not be approved BECAUSE we did not show the above home as our residence on our filed income tax. At no time in the proccess were we told this would be a requirement! Please note that my drivers lic. does show the above is my legal address. We are an XXXX family and I am aware that this institution has a history of financial abuse toward minority clients. The re-fi was not approved.
Consumer complaint received 2017-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (KY)

I purchased and financed a new   XXXX    XXXX   XXXX  in  XXXX  KY and financed it thro ugh Honda Credit. I am aw are a payment is due  XXXX   XXXX  ; I have STILL NOT RECEIVED a statement from Honda ; I called the number on the website and their customer service is not open on Saturdays/Sund  ays. Poor business! I tried to make a payment on the phone, can not make a payment on the phone for you must set up a payment option online. I can not set up a payment option online for I do not have an account number because HONDA has not sent a statement. The dealership can not help ; called them as stated above.
This is an unfair and sloppy business practice. My payment will be late for I must wait until Monday to phone them and spend hours on the phone probably to get through. You would THINK I could set up an account with my social security numb er, phone number, size of underwear for I had to give all that info to get credit and buy their product. BAD BUSINESS!!!! I never even got an email from Honda Credit.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: REGIONS FINANCIAL CORPORATION (AL)

I made a credit card payment on XXXX XXXX, 2017 to my Regions Bank Credit card. The payment is being held indefinitely, and no one at Regions can give me a clear answer as to why and how long the hold will last. The account is about 3 months old, and I have never had a payment returned. Moreover, the payment was for {$5000.00} and the total credit line available is {$15000.00}. So, I do n't understand why the entire account is unusable while the payment is on hold. Obviously, the payment cleared from the XXXX XXXX XXXX account a long while back.
Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Peak Acceptance, LLC. (AZ)

We paid off our loan   XXXX  , still waiting for Deed of reconveyance, paid in full and remove lien. I have called spoke to  XXXX  several times and sent letters asking for my deed of re conveyance, satisfaction of mortgage and letter of paid in full. I was told on Friday   XXXX   XXXX  ,  XXXX  said she will call me back on Monday, she will see what 's going on in the legal department, this is what she tells me every time I call, she has never called me back.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America improperly processed at least XXXX on-time payments in full. As a result, they charged me nearly {$79.00} in unlawful fees. The evidence overwhelmingly proves that XXXX payments, with correct account numbers, were made before the due date. BoA failed to process them and can not explain why. BoA stills owes me nearly {$79.00}. BoA 's argument is disjointed and contradictory. On one hand they claim they can not locate any checks and on the other they claim the checks contained incorrect account numbers. Which is it? The alleged {$29.00} credit was made and later retracted. Thus no reimbursement occurred. They still owe me approximately {$75.00}.
Consumer complaint received 2017-04-29
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. (MI)

On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.
Consumer complaint received 2017-04-29
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: EQUIFAX, INC. (MI)

On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.
Consumer complaint received 2017-04-29
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: Experian Information Solutions Inc. (MI)

On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.
Consumer complaint received 2017-04-29
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. (MI)

On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I have called chase bank several times about them over charging fees to my account the fees annually add up to over XXXX dollars. I have been a customer for years and this adds up to almost XXXX dollars. I rarely believe they are over charging me and taking most of my money. Currently
Consumer complaint received 2017-04-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Associates, Inc. (MO) (CA)

In  XXXX  of   XXXX   I suffered an injury at work that was covered by worker 's comp. Since that date, I have been receiving notices from the  XXXX   XXXX   XXXX   XXXX   XXXX , indicating that I owe them {$290.00} for a consultation while I was in the hospital. This should be covered by the worker 's comp company. I have contacted the worker 's comp company and they have assured me that they have been trying to reach the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  without success. Meanwhile, the  XXXX   XXXX   XXXX   XXXX   XXXX  has continued to send me letters, despite multiple calls to try and clarify the situation.     Now, I have begun to receive letters from  Credit Associates , Inc.,   attempting to collect what the  XXXX   XXXX  reported as a debt. As of this morni ng, Credit Associates left a  shredded note taped to my front door at approximately  XXXX , in regards to the supposed debt. Not only is this in violation of the California State  Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practic es Act for contacting me well before  XXXX , but I believe it also constitutes harassment ; not only for coming to my home to post a shredded notice, but also for potentially revealing information to persons other than my attorney and my sp ouse ( i.e. my neighbors and  roommate ).
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OR)

When my credit was pulled on     XXXX   XXXX  2017    to purchase a new home for my family, there were  2  late payment stated on my   XXXX   credit report for  Wells Fargo Financial. T hey showed that the payments were late in both  XXXX  and  XXXX   2017 . The only late payment was in  XXXX   2017 , because I was not able to pay full amount due because I had paid my last fine payment, I can understand that. But it also showed the payment for  XXXX   2017  was also late. In  XXXX   2017 , I made  two payments, 1st one  was  on  XX/XX/XXXX  and 2nd was on  XX/XX/XXXX . the total of the two  were for the amount due of {$410.00}. I also have proof from   XX/XX/XXXX   statement that they received those payments, yet falsely reported late payment for  XX/XX/XXXX .   Being a   XXXX   XXXX   XXXX   XXXX  Veteran that my only income is my   XXXX   XXXX   and  XXXX .   This also effects my military security clearance, which I will have for the rest of my life.
Consumer complaint received 2017-08-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

Applied for Ocwen Loan Servicing Settlement for Misdated Letter Claim in XXXXX 2016. To date no resolution. Bi-monthly phone calls to XXXX yield the same scripted response " under additional review ''. Called Ocwen directly and customer service rep responds that my claim is not showing in their system for review or status.