davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am the mortgage owner. My mortgage modification is unaffordable, because I am on a fixed income, due to medical issues ( XXXX ). My wife is assisting me, but she has her own bills and she is not on the mortgage. My income is {$XXXX} per month, and I am not asking for a free mortgage, but a $ XXXX {$800.00} mortgage would be more reasonable then {$1200.00} that is currently being asked for. 
The property value has diminished, due to the current net present value and community down grade. My neighbor next door value is approximately {$99000.00}. We have been very patient with the Bank, by coming in a few years ago to speak with a representative, but to no prevail. We love our home and want to stay here. We are only asking that request be taken seriously, as being given a true modification for the benefit of the customer. 
I look forward to hearing from you to address the above concerns.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My husband lost his job XXXX XXXX, 2015. I am in nonprofit, not enough to pay our mortgage. We 've been in this home for 20 years ... stuck in a bad mortgage ( we expected to refinance this fall but he lost the job ). We have never once been late, ever, until a week ago ( but we have not been sent to credit, as it has not been 30 days ). The loss of income coincided with this loans uptick in interest rate and principal payment, which is overwhelming. WELLS FARGO will do nothing to assist while my husband is out of work. We are not asking for forgiveness, just help during this time. This morning we were told they would do nothing.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. 
I only receive letters that state we ( WFHM ) are working on a solution. 
Thank you, XXXX XXXX
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I boh have an account with Wells Fargo as well as our joint account. My husbands account became over drawn on XXXX XXXX. On XXXX XXXX Wells Fargo exercised their 'right to off set ' by withdrawing the overdrawn money from our joint account to cover the beg balance in his personal account. ( I understand this and I 'm fine with this ) the problem is that at this time our joint account did not have enough funds to cover this it actually only had {$20.00} in it but they still took {$240.00} out, overdrawing the account. That transaction posted immediately and now they want to charge my overdraft fees for the transaction that are pending BUT was made while I actually had money on the account. It seems to me that the right to offset should actually serve the purpose of off setand by making XXXX account t posit XXXX only to make another negative so you can then charge more fees seems illigal to me. 
Please help
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (PA)

I owed XXXX to American Express. On XX/XX/2015 I wired XXXX to settle the account. the law firm accepted the settlement and forwarded the funds to American Express. The payment posted and a few days later Amex sent me a bill for XXXX due XX/XX/2015. Their online system still reports that I currently owe them XXXX and that amount is reporting to all XXXX credit bureaus. I have disputed with all three and Amex confirmed to them I still owe the money. I have called Amex multiple times and every time a get a different answer. They said the account has been settled but their system wont show it for 60 days? Am I going to get a late payment reported to my credit report on XX/XX/XXXX? How come I was sent a bill and why is it reporting to the credit bureau incorrectly? I have a job renewal that requires a credit report and I was told to have this account settled, which i did, but can not prove it. The letter from the attorney XXXX office is not complying with what Amex is telling the credit bureau when i dispute it? this is a huge problem for me.
Consumer complaint received 2016-01-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has engaged in false business practices, which constitutes fraud. 
They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their XXXX credit card rate is much higher than : XXXX, XXXX, and XXXX. 
Therefore I feel they are guilty of deceptive business practices and corporate greed. 
Also, I have been waiting for them to send me their version of a chip credit card, since XXXX of 2015. Why are they so neglectful in taking care of their aforementioned client?
Consumer complaint received 2016-01-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Social Finance, Inc. (MI)

First of all, a bit of background : I have a good financial history in the US including several credit cards, an auto loan and a mortgage ( FHA ). I make nearly XXXX per year and live in a low cost-of-living area, so most of my income is available to service my financial obligations. 

I applied for a student loan ( private ) and it was denied because the XXXX that was issue by the United States Department of Homeland Security ( DHS ) was not sufficient for the financial institution to proof my permanent resident status. 

I am in the process of renewing my expired XXXX XXXX XXXX - XXXX ( expired on XXXX/XXXX/XXXX ) and have received multiple extensions to my XXXX from the DHS - United States XXXX XXXX XXXX XXXX ( XXXX ) since then ; in other words, I have not interrupted my resident status since XXXX/XXXX/XXXX when I got it for the first time but unfortunately for me, the XXXX field office where my case is assigned to has a significantly large backlog. 

Having said this, the DHS has not issued a XXXX to extend my status, they just stamped my XXXX passport ( the stamp states that I am permanent resident and have work permit until XX/XX/XXXX ). 

When I explained this to SoFi Lending Corp. they told me that : " In order to move forward with the refinance we will need a document that verifies your XXXX status. Unfortunately we are not able to move forward with an expired XXXX card and your current documents provided for the extension, which would include the stamp on your passport. We will need the documentation that your renewal was approved or a valid XXXX XXXX XXXX. '' I feel that I am being discriminated based on my national origin by SoFi Lending Corp. The fact that the XXXX issued my with a non-conventional kind of XXXX than a XXXX does not constitute a valid reason to deny my application. The eligibility requirements stated in SoFi Lending Corp. 's web page stated ( at that time ) that the requirement to be eligible for refinancing my loan is to be XXXX ( which I was and still am ), not to have the kind of XXXX they want ( this is something completely out of my control ). 

The application was to re-finance the student loans I have after getting my XXXX in XXXX XXXX at XXXX University ( XXXX campus )
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2015-12-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Hi I applied for a capital one credit card on XX/XX/XXXX and notice they ran Equifax and Transunion credit report. I also notice there is XXXX joint account for Capital one dated back On XX/XX/XXXX for both accounts, XXXX acct with XXXX debt and XXXX XXXX. I never had an account with capital one and never sign under a joint acct with anyone. Capital one is a crook and out to damage consumer credit. They listed Cap One Bank on XXXX inquire and Capital one Bank USA on XXXX on XX/XX/XXXX each why did they run more than XXXX credit report?
Consumer complaint received 2016-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: E*TRADE BANK (TX)

I have been waiting for ETrade to return my {$100.00} checking account balance for XXXX XXXX months since requested ( 5 months after I closed the account ). 

I opened an account with ETrade in XXXX 2015. After a few weeks of 'please resend this or that document ' and them losing the documents, I closed my accounts ( checking, brokerage, ira, etc. ). I closed the accounts in XXXX 2015. It 's been 8 months and they still have not sent me the initial deposit I transferred into the account. ( I never used the account, initial deposit = {$100.00}. ) I 've made multiple calls and each time I 've been told a different story. Finally, on XXXX/XXXX/2015, a XXXX XXXX XXXX indicated they would send me a check and it would take about 10 days. Well, it 's been 84 days and nothing. Since I have no checks, no ATM card, and no access to the account, I ca n't do anything but wait.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CT)

Dear Sir, I have recently applied for Chase Slate and came to know about their false advertising. Chase Slate advertise that they offer 0 % APR for first 15 months on Balance transfer within 60 days. But they will not send the balance transfer checks or allow you to do balance transfer to checking for first 90 day of a/c opening. These terms are NOT mentioned in their website. After 90 days, they charge 3 % or {$5.00} whichever is greater. This makes the customer NOT able to use the intro balance transfer offer. When question Chase customer service regarding this issue they say it the company policy, but they are NOT able to show such advertisement on their website. Please kindly take a look into this issue. 



Following is the advertisement Annual fee {$0.00} Purchase APR 0 % intro APR for 15 months on purchases. 
After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
Balance transfer APR 0 % intro APR for 15 months on balance transfers. After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
After the first 60 days your account is open, the fee for future balance transfers is 3 % of the amount transferred, with a minimum of {$5.00}. 


What can I use a balance transfer for? 
Pay off higher-rate credit cards. Pick which cards you want to pay down and then transfer the balance to your Chase card with an eligible lower rate. 
Consolidate balances. Make managing your finances easier by combining several credit card balances into XXXX. 
Pay for unexpected expenses or get cash. If you 've received balance transfer checks, you can use them to pay for things you need or to get cash. You can also call the number on the back of your card to transfer funds into a qualifying checking account. 
Please note : Balance transfer request ( s ) made online and/or with a Customer Service Specialist can not exceed {$15000.00} within any 30-day period. Balance transfers may not be used to pay other credit cards or loans issued by Chase Bank USA , N.A . or any of our affiliates. Successful payment history must be established for checking accounts you wish to use for ACH transfers. There are additional conditions that may apply. Be sure to read the terms and conditions of your balance transfer request for details.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

I received a loan from XXXX in XXXX, XXXX with a fixed rate in XXXX, GA and they sold the loan to XXXX in XXXX. I had been paying my payments until XXXX sent me a statement stating that my mortgage was going to be higher. I asked XXXX to validate my loan since XXXX and they could not provide me the information for the correct numbers from my loan from XXXX to XXXX. XXXX put my house in foreclosure XXXX times and I had to file bankruptcy to stop the sale and get more time to get XXXX to send me the correct documents. XXXX sold the loan to Caliber Homes and they too now have my house in foreclosure for XXXX XXXX, XXXX. 
I have been requesting for years from XXXX, XXXX for Caliber Homes to send me the correct numbers to validate the loan from XXXX and again I am going through the same thing. They sent me documents that date back to XXXX, Caliber Homes has no records of XXXX - XXXX and the numbers are very wrong. 
I filed bankruptcy XXXX XXXX, XXXX and Caliber Homes is not approving my Stay of Execution so we can continue the investigation. I have reached out to RESPA as well. 
I need to stop the XXXX XXXX, XXXX foreclosure sale date and have the mortgage company subpoenaed to get all of my records and make sure that they can validate my loan with the right numbers. 

XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place?
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear CFPB Team, I am writing to formally file a complaint and request the removal of several inaccurately reported late payments from my credit report. This request pertains to my account with XXXX XXXX XXXX, account number XXXX, where late payments have been reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I believe these reports are incorrect and should be removed based on the following legal grounds : 1. Fair Credit Reporting Act ( FCRA ) : o 15 U.S. Code 1681s-2 : This section outlines the responsibilities of information furnishers to provide accurate information to credit reporting agencies. Any inaccurate or incomplete information must be corrected promptly.

o 15 U.S. Code 1681i : Under this section, consumers have the right to dispute information on their credit reports. Credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Truth in Lending Act ( TILA ) : o 15 U.S. Code 1637 ( b ) : This section mandates that creditors provide accurate billing statements to consumers. Any errors or inaccuracies in billing should be corrected immediately upon discovery.

3. FCRA Section 1666b : This section requires that when a consumer disputes a billing error, the creditor must conduct an investigation and report the results back to the consumer. If the creditor fails to respond within the specified time, the creditor must remove the disputed charge from the consumer 's account.

I respectfully request that you review my case, remove the inaccurate late payments from my credit report, and inform me of the results of your investigation. Enclosed with this letter are copies of my credit report and any additional documentation that supports my claim.

I look forward to your prompt response and resolution of this matter. Please do not hesitate to contact me if you need any further information to expedite this process. 
Thank you in advance for your attention to this matter.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MS)

I have a Creditor Statement from XXXX XXXX XXXX XXXX XXXX XXXX a debt consolidation program regarding the checks/payments they paid on our behalf to our creditor Convergent Outsourcing Inc. in which the original Creditor is XXXX. This bill in the amount of XXXX dollars and XXXX cents ( {$460.00} ) has been paid in full. As per the Creditor Statement payments are as follows : Starting XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX dollar ( {$20.00} ) monthly payments a total of 14 consecutive payments. *On XXXX/XXXX/XXXX a XXXX dollars and XXXX cents ( {$110.00} ) payment was issued and this is the missing payment, *Check number XXXX. On XXXX/XXXX/XXXX a final payment of XXXX dollars and XXXX cents ( {$68.00} ) a total of XXXX dollars and XXXX cents ( {$460.00} ). During a conversation on XXXX/XXXX/XXXX with a representative of XXXX XXXX XXXX XXXX they stated that according to their records check No. XXXX in the amount of XXXX dollars and XXXX cents ( {$110.00} ) was issued and paid to CONVERGENT OUTSOURCING INC., and has been cashed by CONVERGENT OUTSOURCING INC., they told me that they will not be reissuing a second check to them in that amount since the check has already been cashed. Today XXXX/XXXX/XXXX I spoke to a supervisor at Convergent Outsourcing Inc. XXXX XXXX and she acknowledged that they received all payments from XXXX our credit consolidation company and that XXXX submitted the proof they required that payment of {$110.00} was in deed paid to them. They can not locate the payment themselves. There is no problem with XXXX because they have the proof that the payment was made to Convergent Outsourcing. Kindly help us to have our account with XXXX XXXX to be cleared once and for all. XXXX XXXX still has our account as unpaid and that we still owe them {$99.00}. as per XXXX XXXX, manager. 

on XXXX/XXXX/XXXX my wife handles all of the bills and she spoke with a representative at Convergent Outsourcing about all of this. That 's when they told her they did not receive the {$110.00} dollar payment. Although they did receive it and cashed the check. My wife does the majority of the phone calling and handling of the bills in our house. Its a small amount of money to be going back and forth over. It is totally ridiculous. I and my wife spoke to them over the phone together today XXXX/XXXX/XXXX to see if we could get this resolved to no avail. They are unwilling to credit my XXXX XXXX account and make the correction. XXXX XXXX at XXXX XXXX claimed he could not help us because he turned the account over to Convergent Outsourcing and Convergent Outsourcing is saying they cancelled the account and returned it to XXXX XXXX unpaid. This is ridiculous. We are in the middle of this confusion with no where to turn. Please help! 
Convergent Outsourcing Inc . 
XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2016-01-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I am placing this issue in the Consumer Protection Agency as my previous XXXX call to Macy 's Finance on this as the person handling the call was disinterested. I was given no reference #. The CSR heard " divorce '' and demonstrated no patience from then on. 

I ask : Why should one divorced spouse 's late charge card payment damage the other spouse 's credit? 
In XXXX XXXX, my former spouse, years after divorce, made a late payment ( 30 days past due ) on her Macy 's card ( XXXX ) an oversight on her part ). I had no idea my name was still associated with the account. Macy 's placed this late payment on my credit report, even though I do not receive, pay or have access to my divorced spouse 's bills. How could I possibly know enough to be responsible for this payment? My name was to be removed from this account as part of the divorce. 
Even further, though I have excellent credit and on-time payment history, including for any number of charge cards, I was turned down for my own Macy 's card based on this one item. For decades, Macy 's has been my favorite store. Why turn away good customers? On principle, though reluctantly I avoid shopping at my long-term favorite store. 
I ask Macy 's to consider how unfair and harsh it is to ding a person 's credit report when he is divorced, has no access to the bill in question, and was told his name was being removed from this charge card years before this charge occurred. 
I ask Macy 's to : a ) Remove my divorced spouse 's XXXX XXXX late payment from my credit report b ) Confirm my name is no longer associated with the Macy 's account ( as I had originally requested. 
I greatly appreciate Macy 's consideration of this issue and my request.
Consumer complaint received 2016-01-24
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I have been indicating that bank transfers be made to my XXXX, FL. Wells Fargo checking account since 1991. XXXX. More locally where I am a better permanent resident, I have a linked savings XXXX. 
I realize how much we are not told, especially when the sums get closer and closer. 
When it was a far fetched idea, it was talked about, and even a Wells Fargo purchase shield XXXX searches for it. 
I believe the money has arrived, that was put there because they believed my grandfather had not enough name, from XXXX to impersonate him. My Father had the same problem being XXXX generation, not having enough to declare his house, that he had a 30 year mortgage to pay anyway. 
That money that is leavened, and was put there in my name, that caused me trouble the whole way, that I found out about, should be available to pay IRS income taxes for my father 's estate, that I have the EIN number for. He had income for the past 7 years, but I ca n't get a hold of his XXXX Wells Fargo account to pay it.