davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CA)

I opened a secured credit card through Wells Fargo in XXXX of 2013 in the amount of {$500.00} At the time when I opened the account I was told after 12 months I would be graduated and the account would no longer be secured. As long as I used the card and paid on time. I have done both and it has almost been 2 years now and they refuse to unsecure the card and refuse to tell me why they wont. I XXXX paid too early and it resulted in a late fee but after speaking with them they saw the payment I made and reversed the charge. I really think this issue is holding my account from being upgraded.
Consumer complaint received 2016-03-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company (VA)

I recently received a letter regarding my mortgage loan, and have contacted XXXX regarding what I believe is erroneous information that had begun approximately XXXX XXXX. The loan itself was under XXXX XXXX XXXX at the time, and their servicing company XXXX XXXX XXXX up several loans escrow accounts, causing over payments, and then sometime during XXXX bought out by JG Wentworth. In the transition, my on line account was blocked, and I was told to make payment over the phone, and in the transition requested several times for a complete reconciliation and accounting so I could see/determine the correct payment. 

I made four large payments to bring the account back up to current, a result of the transition of XXXX XXXX XXXX servicing companies and XXXX along with a XXXX XXXX XXXX from JG Wentworth and a former employee of XXXX assured me not to worry and that he 'd take care of " all the stuff in the background '', and get my loan corrected and back on line. To date this has not been done, and I 've called several times requesting not only information, but an audit accounting of the loan for the past two plus years. 

Recently I contacted a XXXX XXXX XXXX from XXXX and requested the same information, and she indicated she would try to help. That was three weeks ago, and still no resolution. 

I am submitting this complaint regarding my issues with both XXXX XXXX and JG Wentworth, and ask you to have the loan investigated for possible mortgage fraud by the loan servicing companies, XXXX XXXX XXXX, as they have failed to provide me with a full accounting of the past three years from when the loan servicing company made errors to accounts ( including mine ), payment application, and resolution of the account. 

Please feel free to contact me regarding any information, or if you would have another way that I could submit a complaint through the Department of Veterans Affairs, I 'd be more than happy to do this too. 

XXXX XXXX XXXX
Consumer complaint received 2016-03-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MD)

Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I purchased and closed on my home XX/XX/2014. To my surprise i just received a letter from my servicer that there is a {$4000.00} shortgage to cover the taxes and insurance. I contacted the title co who prepared Hud 1 and I contacted the Wells Fargo who preparedthe closing documents. Each are blaming one another. My mortgage payment is {$1000.00} and now going to increase to over {$1600.00} to cover the shortage. I would like to know how in the world was i even approved for this loan? My husband is XXXX years old and im XXXX. This home was a flip home and i never met the seller. I believe they purposely kept the correct annual taxes amount hidden from me because when i would ask them during the process " what are my taxes '' they would just say " oh about {$350.00} a month ''. I believe they did this cause i didnt qualify for the actual amount. I come to find out after 1 year my taxes are {$7100.00} a year as opposed to {$4200.00}. I am now in a position that i may have to sell my house. This is a huge burden for us!!
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Without my permission Bank of America has placed a Hard Pull to my credit bureau and all attempts to have it removed have proven unsuccessful with much run around and no satisfaction. I have spoken with numerous individuals who have assured me the problem will be taken care and over the course of XXXX days it has not. I have only gotten promised callbacks from individuals who have not called me back and the inquiry has not been removed even though every individual I have spoken with have assured me it would within 2 days. I requested a credit limit increase and was told it would be a soft pull. It resulted in a hard pull, even though I explained that if it was a hard pull I did not wish to proceed. I was later told that the call was listened to and that the person had assured me it would be a soft pull and that information had been incorrect.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (IA)

Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.
Consumer complaint received 2016-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

I just received a letter from Bayview Loan Servicing a debt collector who is threatening to foreclose on my home. They acquired the loan from XXXX. The original lender, XXXX failed to transfer the mortgage and the promissory note to XXXX. Because of this, there has been no payment on the loan in six years and eight months prior to Bayview Loan Servicing, a debt collector " acquiring '' the loan. Under Michigan statute the debt is Time Barred. ( Six years is the statute of Limitations on Promissory Notes in Michigan. ) Bayview Loan Servicing , LLC is threatening to collect on a Time-Barred Debt. Please investigate this Debt Collector.
Consumer complaint received 2015-10-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our loan started out as a revolving credit line, but then matured into a mortgage some years ago, a second trust deed secured by our home. On the date of its maturity, the bank cancelled the associated credit card and precluded any further credit charges. The loan was converted from a credit line into a mortgage as far as usage and loan servicing is concerned. So far, everything as we agreed. 

The problem is that the bank is refusing to change the loan category to a mortgage. With the loan reported in its obsolete pre-maturity form as revolving credit, the credit reporting agencies add the outstanding principal to our credit card debt, artificially inflating our debt-to-income ratio. This is ruining our credit, preventing us from refinancing this mortgage or any other mortgage. According to XXXX, the bank could switch from reporting this as credit card debt to mortgage debt with a simple and quick setting changeWe are requesting that you compel the bank to make that setting change now, and report what has matured into a mortgage as a mortgage. 

Please note that we are not asking any of the data reported about the loan to be changed, only that the bank stop characterizing it as revolving credit so the credit reporting agencies reclassify it with our mortgage where it belongs. As far as the loan itself goes, all payments have been made on time throughout the history of the loan.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC. (TN)

In 2012, we had XXXX and with in the same year we called them to cancel the service. We had way to many problems with the service working correctly and they did not seem to care if it was working or not. The day we called XXXX a representative informed us that we would receive a box so that we could ship back all of the XXXX equipment. We were also informed that we would not owe anything and they would be responsible for the shipping. XXXX turned this account over to a collection agency and then pulled it back and turned it over to a different collection agency. The collection agency representative that I talked with was very rude and telling me that we would be committing criminal charges if we do not pay this debt off in full. I do n't think this is an appropriate way to do business because I would not recommend XXXX to anyone.
Consumer complaint received 2016-10-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

On XXXX XXXX, 2016 I sent money via Western Union online to a family member. On XXXX XXXX, 2016, I cancelled the transaction. Initially, the customer service representative indicated that it would take three ( 3 ) to four ( 4 ) business day for the refund to be applied to my debit card. I made a subsequent phone call to Western Union on XXXX XXXX or XXXX to inquire about the nonexistent refund. The customer service representative then informed me that the refund would actually take up to seven ( 7 ) business days to process. Today, XXXX XXXX, 2016 is that seventh ( 7th ) business day and still no refund.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX
Consumer complaint received 2016-09-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AK)

My uncle had a little house is XXXX Washington. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in Alaska and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. XXXX XXXX XXXX XXXX is a predatory lender on XXXX veterans, and Bayview Loan Servicing is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

In XXXX 2016, I applied for a credit card from XXXX and was denied based upon my Experian credit report. In XXXX 2016, I requested Experian send me a copy of my credit report and Experian refused.
Consumer complaint received 2015-07-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

I have nearly XXXX in student loan debt with Navient, from loans that were originally taken out with XXXX XXXX, and then transferred to Navient without my consent when the company split. I am currently finishing my last year and a half at XXXX University, and am in school full time pursuing a XXXX degree, as well as working unpaid in a XXXX for needed experience to get into XXXX school. I am unable to work as much as is necessary due to the XXXX hours a week that are dedicated to school and XXXX work, not to mention the cost of living ( rent, bills, food, etc. ). Last year I made under XXXX, and still barely managed XXXX hours of sleep a night. 
I called Navient to ask if they could either lower the monthly payments, postpone them until after school, or put them in forbearance for at least a few months so that I could try to find a solution. I was told that they had no option for financial hardship, and I would either have to pay, or my account would go into default. What? XXXX XXXX, as awful as they are, at least have a program for financial hardship, that allows you to put your account into forbearance for a maximum of 12 months. The woman on the phone was not only rude, but then started lecturing me about how it should n't be so difficult to come up with the money, and that I could ask family and friends to just give it to me, and that my payment really was n't that much anyway. I explained that my rent is $ XXXX ( which is cheap in XXXX ), and that bills, food, etc. were already over what I was making, and that I was barely able to cover the basic minimum. She said : " Well there 's nothing I can do. You have to pay. I 'm going to end this call now. Call us back when you have the money. " Are you kidding me? The whole point of a student loan is to enable students to get the education they need in order to get a lucrative job in the long run. I will have a XXXX and XXXX in 5 years, with which I can get any number of high paying jobs. I have no intention of defaulting on my loans, and every intention of paying them back. How is it possible that a federally endorsed student loan company is both " unable '' and unwilling to help the very students that take out the loans with setting up a payment plan that is reasonable? Do they not realize that they will lose more money by forcing students to default on their loans rather than reducing their payments to make them affordable? How is this legal?
Consumer complaint received 2016-06-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (WV)

I have told them several times that I have no way to pay this, and yet they continue to harass me. I 've asked for a deferment quite a few times, seeing as I 'm unemployed with no way to get a job, but they have n't done anything but demand money. Now, my grandfather has called me to let me know that now they 're sending him letters, saying they ca n't find me. They know my number, they send me bills all the time at my address. I 'm afraid they 're going to start harassing him like they have me and my family.
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (AL)

In 2008 my daughter was a XXXX at XXXX XXXX. I received a call from the school asking if I would cosign a note for her tuition. I did cosign. I did not receive any paperwork. I understood the loan was approximately {$20000.00}. I was told that if I made all the payments for XXXX years, the loan would be put in my daughter 's name and she would have a lower interest rate than I would. At the end of XXXX end of XXXX years XXXX XXXX denied having told me that, Several years later while paying $ XXXX month, I learned I had XXXX loans totaling {$49000.00}. Only in the last XXXX weeks did I learn how the loan escalated from {$20000.00} to {$49000.00}. The note apparently allowed the school to receive additional funds as it saw fit. 
Last week I was told I owed {$400.00} in interest and {$49000.00} in principle, All my payments for the last XXXX years have been applied to interest.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Experian regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Experian and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After getting a new credit card in the month of XXXX, the card was not visible under my online banking account. When enquired over phone with Bank Of America, i was told that there are two different profiles under my name and and i need to furnish my identity proof.When i went to the bank i was told that there are two more credit cards under my name which i never had. Upon further enquiry it was revealed that my social security number was updated under somebody else 's account and the other person was able to see my address, date of birth, social and credit card transaction. And that person was able to trace me to my address. This is clearly a blunder from Bank 's side and my social and other private information was compromised by the bank. I had applied for the new credit card with my social, how can that be updated under other person 's account. Also my credit card was blocked by the other person as he thought this is a fraud. How can somebody else block my card. After this incident i checked my credit report and i was able to see two addresses, one of which was not mine. Even somebody else 's credit card under my account jeopardizing my credit history. Because of this, i am living in fear of identity theft as my SSN was compromised.
Consumer complaint received 2020-09-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports, I never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2020-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (OR)

I purchased 2 items from XXXX shopping totaling XXXX on XX/XX/2020 One of the 2 items arrived. The other did not. I reached out to XXXX shopping and let them know and thats when the lies started rolling in from them. 
They supposedly refunded my debit card for XXXX after i told them not to because i have a different bank now and that card was closed. I sent multiple emails and had multiple chats with there " support " people. There entire customer service is a joke they dont listen to a XXXX thing, they constantly tell you the same scripted XXXX and in all reality there just not helping there customers. After i was told by XXXX that my shopping account was frozen because there was suspicious fraudulent actives and i am un able to make more purchases ... i get a email about my refund cuz i filed a despute with them on it ... i get a email saying they denied my dispute cuz they couldnt find any fraudulent activity ... ..ummmm hello why is my account frozen then.???? XXXX cant tell its lies from there XXXX and im not the one to be taken for. Just because they have billions doesnt give them any right to brush off my money ... XXXX would be nothing with out people like me who gave them money with the expectation of a service or a product delivered. There entire stance on this entire nightmare has been cold unhelpful and unethical. I want answers and i want my money plus some.