davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

The Wells Fargo website ( https : //www.wellsfargo.com/mortgage/tools/faqs ) indicates that in order to lock an interest rate on a mortgage application the following is needed : " You can lock anytime you locate a property, or start your refinancing process, up until ten business days before the closing. 
You can select a specific length of time for your lock, usually 60 days. '' I emailed my processor on XXXX/XXXX/2016 ( Thursday ) and expressed interest in locking my rate since I already located the property I wanted to purchase. ( My processor had told both my husband and I that he can be reached by phone or email. ) I got a response from him on XXXX/XXXX/2016 ( Monday ) that I would need to provide the purchase agreement and sign the Intent to Proceed notice in order to be able to lock my rate. The reason I feel this is not fair is because had I known that those two pieces of information were required from me I would 've had that sent over on Thursday ( XXXX/XXXX/2016 ). I think it 's wrong to have two different conflicting pieces of information communicated to me as a customer. If Wells Fargo truly requires the purchase agreement and the Intent to Proceed disclosure in order to lock a rate then that needs to be explicit on the Wells Fargo FAQ page instead of the " anytime you locate a property '' response that is currently on there. This is deceptive to have this type of language out there. The website response is costing me thousands of dollars on my loan because I was at a 3.5 % when I emailed my processor and by the time I got a response the rates had spiked to 4.1 %. I feel that due to Wells Fargo 's negligence I am owed the 3.5 % interest rate on my mortgage loan since the information I had read on the website was not accurate. Also, if this happened to me, it can happen to many other customers so I think they should fix this or have the process updated to truly be when a property is located.
Consumer complaint received 2016-09-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Ocwen Loan Servicing was our mortgage service provider. Our home was foreclosed on in XXXX of XXXX and we moved out of the property shortly thereafter. There was a XXXX mortgage on the property which was NOT discharged with the foreclosure. Even though we do NOT own the property and do NOT live at the property, we continued to pay monthly on this XXXX mortgage. If we did n't pay the XXXX mortgage, our credit would be adversely affected Sometime in XXXX of XXXX, Ocwen mistakenly added an ESCROW charge to this account ( XXXX ). I noticed it when I paid the monthly payment in XXXX. I called Ocwen and spoke with a number of people, none of whom could quite understand what had happened or why, and were not really able to help with this bizarre situation. The issue was sent to a special department for action. 
Of course, the next thing that Ocwen decided to do, was to perform 'property inspections ' and a 'property valuation ', all to the tune of {$380.00}. Since the property was foreclosed on and we no longer own the property, it should certainly not be possible to charge us with property inspection and property valuation fees ; but they have. This is VERY typical of Ocwen and a few other service providers. They make a great deal of 'profit ' in assessing fictitious and, possibly, illegal fees. 
I am asking that Ocwen REMOVE these fees from our account immediately ( {$380.00} ). I have spoken to at least five separate representatives at Ocwen, and all I get are platitudes and promises to fix the situation. It is now over one year and these fees are STILL on the account. Bravo, Ocwen ... you folks are truly the worst of the worst. 
The charges that I expect to be removed from our account are listed below : Property Inspection Fee {$26.00} Property Valuation Expense {$290.00} Certified Mail Cost {$13.00} Late Charge Due {$55.00} ( caused by their 'escrow ' mistake ) TOTAL : {$380.00}
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TX)

CBNA did a credit check on my credit on XXXX/XXXX/16. I did not authorize this credit check. I have not sought a loan or any other type of financial services. I am uncertain why this company did a credit check and it was not authorized. Through research I found that CBNA is a credit card company. Citi Bank North America. I have a credit card with citi bank but have had the card for 10+ years and did not seek a new card. I did not authorize either directly or by proxy any credit check by anyone for the past year.
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (GA)

I have requested numerous times of verification of the amount of a debt SYNCB bank is reporting on my credit report. 

They said they sold the account and have not records to proved the amount or details of accounting of this debt. 

If they do not have any documentation contract, billing etc then they are in violation
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

XX/XX/2019 RE : Unsolicited Email from Synchrony Bank that may be an indication that an account in my name has been breached (? ) Today I received 3 emails from Synchrony Bank that make no sense whatever to me. At XXXX XXXX   the message was titled, " A trial deposit has been successfully made to your ... '' ( My what??? ) An additional email also at XXXX XXXX. titled, " Action required on your application '' ( I have made NO application ), and at XXXX XXXX " A trial deposit has been successfully made to your AMAZON CREDITBUILDER. '' All of the emails clearly stated, " Please do not reply to this email. '' I tried twice today to reach this bank by phone. Both times I got well into their automated telephone messaging before I was told via an automated voice that they could not handle my call at this time. I then registered a compliant through their online system but the character limitations imposed in the online complaint field made that attempt next to being useless. In a nutshell : I can not reply to their email ; I can not reach a human being by calling their Customer Service number ; and their online complaint system is so limited it is worthless. 

If Synchrony Bank is taking lessons from XXXX XXXX XXXX on how to FLEECE their customers this needs to be nipped in the bud ASAP. Consumers everywhere may be at risk. If I need to go testify before congress to help resolve this issue I will be happy to. I will also be more than happy to share the 3 above referenced emails with the proper authorities. 

Disclosure : Synchrony Bank services a Belk credit card that I have but I am not aware of any other business that I do with them. They should NOT be opening Amazon Credit in my name or requesting any action in regard to an Amazon application in my name. 

I would like to attach the 3 referenced emails to this complaint but my printer ink is low, thus I am unable to print and scan them tonight. If an investigator would like for me to forward the email to them all I need is an email address and they will be on their way to you.
Consumer complaint received 2016-12-13
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: STATE FARM BANK, FSB (TX)

I would like to add to my complaint ( case number XXXX } about State Farm Bank. In all the confusion about switching from electronic deposits of interest from cd accounts to paper checks they have not sent 2 of my deposits that were due XX/XX/2016 and XX/XX/2016 in any form, paper or electronic.After many calls to them and getting excuses like someone keyed in the wrong dates and now the checks are in the mail NOTHING has gotten here.If the shoe was on the other foot, I would be getting a late fee which I can not give them.I want the 2 deposits NOW.They have said that they will go back to electronic deposits in XXXX That will be a big help.They should have never breached our contracts in the first place
Consumer complaint received 2016-09-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (WA)

I took out a loan from Spotloan in the amount of {$300.00}. On their website it says that it 's cheaper than doing a payday loan so I thought oh that 's great and then signed up. A month later when I was expected to pay, I asked how much it would be with the interest and they told me {$450.00}. {$150.00} in interest for a month??? There 's no way I can pay that. I 'm on a limited income. That {$150.00} would mean I ca n't pay for electricity or groceries for my family. I feel like this is very misleading of them to say it 's cheaper than a payday loan. A payday loan would 've charged me {$45.00}, not {$150.00}. So I explained to the company, both by email and on the phone that I could n't pay it and I was n't sure what the next step was. Since then I 've gotten phone calls at least twice a day and they keep trying to withdraw money from my bank account which creates {$32.00} fees for me each time.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Automated Accounts Management Services (IA)

I have XXXX XXXX XXXX so i have no hospitals bills plus the Collections i see it wasnt me. My. XXXX had stole all my important things like birth certificate id social security card evrythjng and has been falsy usi g my identity..if i go to doctor my i suraces which are active pay for it all. So any that dont have my i surance wasnt me. Please help with this ... im homeless causr. Of my credit .my mothrr ruined it t she died now its my aunt.
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

1. Intentional con-predatory monthly billings 2. unauthorized modification of loan balances and monthly payments as opposed to agreed amortization payment schedule 3. Unauthorized modification, substitution and addition of items on the agreed mortgage loan documents agreement.

4. False claims of Default payments, unauthorized charges and fees 5. Threats of foreclosure, unauthorized surveillance and intrusion, trespass 6. Failure to apply received monthly payments checks, hoarding of payment checks and conversion 7. continuing endangerment of mine and family 's lives and casuation of emotional distress and et cetera
Consumer complaint received 2016-04-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (TX)

My mother died on XXXX XXXX, 2015. I went to her bank on XXXX XXXX and took a death certificate and turned in her credit/debit card. I asked the banker what we would do about her funds ( checking and savings ) and they told me I would have to go through probate. So I hired an attorney and we did that. When the small probate action was completed I was told to open a checking account for my mother 's estate and to get an EIN number. I did that at a bank where I live. We faxed the documents to the bank in Oregon. I called them on the phone from my bank to let them know what I was doing. The manager of my mother 's bank said she would not honor the probate because my mother had something called a POD stating that she wanted her money to go directly to her XXXX daughters. I asked her why they told me to go through probate and she said she was not the manager at that time. I talked with the probate attorney and she subsequently called the bank and was told the same thing. I have tried for several days to call my mother 's bank but the manager will not return my phone calls. I have called their national call line but was told that they could not help me that I had to talk to the branch.
Consumer complaint received 2016-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (KY)

I borrowed student loan money in the XXXX 's, to the sum of XXXX or less. I paid these loan for years and in XXXX, I filed bankruptcy and my loans disappered. I called and asked where my loan statements were and thay said " I did not have any active student loan accounts ''. I fought with this issue for years, because I knew I was close to being finished paying. Well fast forward 30 years and I owe XXXX and the issue was never resolved. I need help [ desperately.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (NE)

XXXX/XXXX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

After receiving my initial request, the company stopped reporting the information. This month, however ; they have begun reporting the information again without providing any validation of the debt. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.
Consumer complaint received 2016-05-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have a line of credit loan with Wells Fargo ( and car loan with XXXX ). Both are simple interest and both use a tactic that when you make an additional payment over the minimum instead of going against the principal they are applied to future payments. To apply additional payments to the principal you need to make a separate payment and forward to a different address. What a pain and not like my mortgage. Seems to be similar to loan tactics of the XXXX that tried to to discourage paying off loans early and max interest costs/payments
Consumer complaint received 2016-09-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo in XXXX MN. XXXX XXXX XXXX ) over road my signature on a refund escrow check and decided to give my ex-husband half. Which he was not entitled to by our divorce decree. Wells Fargo in XXXX XXXX then excepted the other half as a deposit and entered my account without my knowledge. XXXX XXXX is a very good friend of my ex-husband and ex-brother in-law. Either XXXX XXXX did not give the full story to her boss or she was not given the full story. They did have a way to contact me and were trying to get away with theft and forgery.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Our client was denied for a loan modification in XXXX of this year. They were not offered a short sale option or any other loss mitigation options at this time. This is a direct violation of XXXX, attached, which " requires a mortgagee, trustee, beneficiary, or authorized agent to contact the borrower prior to filing a notice of default to explore options for the borrower to avoid foreclosure ''. 

It is also a violation of the CFPB 's XXXX XXXX XXXX, attached - see highlighted sections of pages XXXX and XXXX. 

Our client has not, at any time, been offered a short sale, or made aware of any other loss mitigation options they may have by Wells Fargo.
Consumer complaint received 2016-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: KEYCORP (FL)

My daughter has informed me that she has contacted this company informing them that I did not sign for this loan and knew nothing of it, which I informed them of a few years ago when I saw this XXXX debt listed XXXX times on my credit report. This company keeps holding me liable for a loan I knew nothing about. Also, they have the same loan listed on my credit reports 3 times. I was astounded to see they have had this on my credit reports since 2007. I want this deleted. This has been stressful and playing a major impact on my health. If they do not delete and hold the liable party, I have to seek an attorney, I can not keep going through this. 
Account : XXXX Key Bank XXXX Key Bank XXXX Key Bank XXXX
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU (CA)

I have received collections notices from Creditors Bureau USA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX, dated XXXX XXXX, XXXX for account # XXXX in the amount of {$490.00} and XX/XX/XXXX for account # XXXX in the amount of {$780.00}. These collection notices are for services provided by XXXX XXXX XXXX on the following dates of service : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I had medical coverage during this entire time period and, in fact, had dual coverage. My primary was XXXX and secondary was XXXX. I provided both insurance cards to the receptionist on each visit. It appears, after discussions with XXXX, XXXX and XXXX, that only the XXXX insurance was used to submit claims against. I had coverage by both insurers at the times of service and provided that information on each visit. The claims were not paid because they were not submitted properly by XXXX and through no fault of my own. 

Additionally on the last date of service, XXXX were used during this visit and XXXX did not provide the correct insurance information to them as well. After a phone discussion, XXXX XXXX was able to confirm my coverage with XXXX using my ss # and rescinded the claim and subsequent collection activities. 

XXXX would not pay because they need and " Explanation of Benefits '' from the primary insurance XXXX before they can determine their portion. XXXX does not have an " Explanation of Benefits '' for these visits because they were never billed. I have provided all of the coverage information I was asked and required to provide. 

I have requested that they review this information and rescind the invoices and cease collection activities.
Consumer complaint received 2021-06-09
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. (MI)

I have a line of credit open with XXXX  XXXX XXXX XXXX with a credit limit of {$2000.00}. The account that has been open since XX/XX/2015 and Equifax refuses to report the account on my report. I reached out to XXXX  XXXX and they contacted Equifax directly and sent proof that they have been reporting my payments and account status each month. Its been over 3 months and the account is still not reporting on my credit file. I am not able to get any assistance over the phone. They just keep telling me that its in review. I have sent in several request via certified mail and they keep sending me letters saying the account is not on my file then send me a copy of my credit report which is not needed since I am aware the account is not reporting and that is the problem. This is severely impacting my credit score because I have a an account with over 5 years of good history that is not reporting even though the creditor is reporting it to all 3 bureaus each month. I have attached proof from XXXX  XXXX  as well as letters I have sent.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (OH)

My father in law, XXXX XXXX died in XX/XX/XXXX. I have received numerous collection notices sent to my address, where he never lived. One in particular, Chase, continues to send settlement offers, despite the 7-8 calls I have made to them alerting of the deceased status. Most representatives have been cordial, one not so much, but they seem to be handcuffed by a policy requiring a death certificate. My mother in law has gone through enough so I asked for a picture of the certificate which was faxed to Chase on XX/XX/XXXX. I received yet another letter today and upon calling was told that the image could not be read. They claim I can not email it, must be faxed, which in this day and age is ancient technology. When suggesting they either use their scrub process or a manual lookup based on my information to verify, they claim policy will not allow that to suffice. The supervisor I just spoke with tonight says she will try to simply remove my address as I alerted he has never lived here, but could not promise anything. Asking if I can get a death certificate sent to them, which is not free to get or if I can have a copy taken to a physical bank branch, which yet again is an inconvenience. I simply want my wife to no longer be reminded of her father 's passing when she goes to the mailbox.
Consumer complaint received 2016-08-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION (PR)

On XXXX XXXX, 2016 I called Pentagon Credit Union customer service to learn about the mortgage and auto loan products. XXXX, the person that attended me by phone, told me that in order to apply for a loan in PenFed I had to open a bank account. XXXX told me that in order to open an account they had to review the credit report and I clearly told her that if it was a " HARD inquiry '' I did n't want to because it will affect my score and I was buying a home. She told me that the inquiry was a " Soft '' but anyway she was going to check. After a while waiting by the phone XXXX confirmed me that the inquiry was a " Soft '' inquiry and because of that I opened the savings account. 
These days, monitoring my credit, I discovered that indeed a " HARD inquiry '' was made by PenFed. Yesterday, XXXX. XXXX, 2016, I called customer service and talked to XXXX the supervisor and require her to remove the inquiry immediately because it was unauthorized and affected my score. XXXX told me she verified with the department in charge to see if they can remove it but they told her they CA N'T. 
I 'm very upset because XXXX provided me with incorrect information and because of that my credit score lowered and now I have trouble buying a property that I optioned. 
XXXX told me they can send me a letter notifying that the inquiry was to open a savings account and when I ask her to include that it was n't supposed to be a HARD inquiry she told me she could n't include that. That letter does n't help me eliminate this from my credit bureau and does n't increase again my score that is what worries me more. 
I called the credit bureaus and the told me that PenFed is the only one that can notify the error to the bureaus so they can eliminate it. If they do n't do that is going to stay in my credit for 2 years. 
Please, notice this was an UNAUTHORIZED HARD INQUIRY. To do this they should have a verbal or written authorization and they do n't have it. I was clear about that.