davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One continually charges me overlimit fees, despite the fact that I have n't used my card in many months! I call every month to complain and it takes me threatening to report them for them to remove it. I 'm tired of this. I 'm sure they are doing this to other people and it is illegal. 

I pay the minimum or more every single month. I do n't use my card, yet they find a way to charge me these fees. Please look into this practice. It has to be illegal. 
This is a record of what has happened since XX/XX/XXXX ( the last time I purchased anything with this card ) : XX/XX/XXXXMinimum due {$73.00}, Paid $ XXXXXXXX XXXXXXXXterest- $ XXXXOverlimit fee- $ 39Sept XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest Charged $ XXXXOverlimit fee $ 39XXXX XXXXOverlimit fee {$39.00} ( The previous overlimit fee put me over my limit!!! ) XX/XX/XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest $ XXXXOverlimit Fee {$39.00}
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (PA)

I want to pay off student loan. West Asset Management attached my wages. XXXX is responsible for loan according to IRS. Ca n't dispute Ca n't get a detail history stating all fees and charges add onto loan. Called XXXX in XXXX 2016 to request this information. As of XXXX 2016 no payments have been taken out of my pay and fees are being added. Do n't know who to make check out to or where to mail a check to completly pay off loan. Several diffent collection agencies have added fees onto this loan, but I do n't know how much. West Asset Management and XXXX collection servies. I just want to pay what I owe and be done with this. Who do I need to contact? How can I get the information I requested from XXXX and West Asset Management?
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Some one opened up a account with Capital One in my name. I have been getting bills in the mail. I have seen the bills but there are no charges except for yearly charges and past due charges. I never applied for this card and I do not want to get stuck with these charges I am afraid that who ever opened this account up will run up a billView your statement online. 


Visit Capital One Sign in to your account Check out your XXXX 2015 statementView your statement online About your account ending in XXXX XXXX XXXX, The XXXX 2015 statement for your Capital One ( R ) credit card is ready -- just sign in to view your statement online. 


Statement balance : $ XXXXMinimum payment : $ XXXXPayment due date : XX/XX/2015by XXXX ET You can view your transaction details online, manage your account, or make a payment. 

Thanks for choosing Capital One. 


View transactionsMake a payment There is a basic version of this statement notification email available. If you want to switch notification versions, sign in to your account and select Security Alerts. 

Did you know? We need up-to-date income information to consider you for future credit line increases. Update your income now.
Consumer complaint received 2016-02-24
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

I 'm getting numerous threats from Wells Fargo dealer svc improper credit reporting they call XXXX times day from XXXX XXXX XXXX XXXX this want stop I sent them over {$2000.00} they have sent XXXX wreckers they have left business cards in my mail box like detective cards with out stamp they have tried too cut lock on the gate with no tress passing sign they will not stop there wanting {$2000.00} more how 's that impossible late fees collection fees I have asked them too cease and decease they want they have made threats there going too have wrecker driver attack me wow I ran them off filed with attorney general office 5 times they call my wife threaten her at work they called me last night XXXX XXXX said they call when they dam good and ready I turned that phone number over too ag office I asked them too stop reportIing inaccurate reporting on my credit bearu XXXX days late what it shows I have not hade it XXXX days I hade too hire credit repair too help me I want this too stop thanks and threats
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX 2015, I submitted XXXX requests to Wells Fargo Credit Bureau of removing a comment from my credit report. The notices were sent via fax through secured fax machines of Wells Fargo branches. I was also informed by the Wells Fargo Banks that no phone is available for the Wells Fargo Credit Bureau. I never got a response from them and have no other methods to contact the department. 
I filed a complaint with Bureau of Consumer Financial Protection ( case # XXXX ) that XXXX Credit Report agency failed to correct mistakes on my Wells Fargo Mortgage accounts. The response from XXXX pointed out that the source of information comes from Wells Fargo. 
As there is no channel for me to contact Wells Fargo Credit Bureau, I am seeking the help from CFPB. 
The Wells Fargo mortgage accounts were closed in 2011. Their account numbers were : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. The 3 months of 30 days late and no information on XXXX are reporting mistakes.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (TX)

We held a mortgage with XXXX for many years. My husband XXXX became unemployed in XXXX XXXX. I am on Social Security XXXX. XXXX offered an Unemployment program that allowed deferment of our mortgage payment until XXXX became employed again and they were offering a mortgage modification at the end of the program in XXXX XXXX. The mortgage was transferred to Fay Servicing on XXXX/XXXX/XXXX. 
We filled out Application to modify the mortgage with Fay Servicing on XXXX XXXX, XXXX after speaking with the service representative weekly. Aside from the odd request for additional information I was told that we would be contacted on their decision. 
XXXX became employed again on XXXX XXXX, XXXX and we sent in the requested documentation. 
I got a letter from the debt collection company dated XXXX XXXX, XXXX that told us that we had 30 days to dispute the debt and when called they said we had to call Fay Servicing that they only followed the instructions from them. I talked to the Fay Servicing service rep on XXXX XXXX, XXXX and he told me only then that the original application had been returned as incomplete and that they had new procedures for applications and for us to submit a new application with supporting documentation. There was no reason for not receiving any notification that the application was returned. The new application and all supporting documentation was sent to them on XXXX XXXX, XXXX. 
Today XXXX XXXX, XXXX I received a certified letter from the debt collector that was an Acceleration of the Debt and that the property would be foreclose on XXXX XXXX, XXXX at the courthouse in XXXX, TX. 
We feel that we have done everything that we could in good faith with Fay Servicing and want to file a complaint against them.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

My account was overdrawn on XX/XX/XXXX and an overdraft fee of {$35.00} was levied. There is no complaint on this fee. However, once I discovered that the account was negative I went in branch to fix the issue and make the account current. In branch I was told that they could not accept my check as a checking account deposit. They said that it had to be deposited into my savings and transferred into my checking. After the deposit I was informed that the funds available on the deposit of {$2000.00} was {$400.00}. I was told the account was positive and that the remaining funds were available to me. On Tuesday morning over {$140.00} in o/d fees were levied against the account. Wells Fargo 24hr Banking informed me that they would only waive XXXX fees ( {$70.00} ) and that I would be forced to pay the remaining XXXX. I do not have a continuous o/d history with Wells or a habitual o/d problem. These fees are a result of branch misinformation and the fact that my deposit was put into my savings account per the branch teller and manager 's decision. I was on the phone with 24hr banking for over an hour with reps and manager XXXX XXXX in the call center based in XXXX. I was refused waiver of the additional fees. 

These fees are based on misinformation and errors from Wells Fargo, despite this Wells is unwilling to reverse the transactions. I was willing to pay the fee for my actual o/d incident on XX/XX/XXXX ( {$35.00} ) but these additional fees are not my responsibility and compared to other retail banks are VERY high at {$35.00} each. 

I informed Wells Fargo that I am a recent graduate and relocated and that my funds are needed. They still will not reverse the fees based on their error. 

This is very upsetting. I just want my {$70.00} back. Please help me.
Consumer complaint received 2023-06-26
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I reviewed my XXXX credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Monterey Financial Services LLC (TX)

In 2014, I applied for a XXXX credit card to purchase engagement rings. I was under the impression that I was receiving credit through XXXX. I was declined for XXXX and they sent it to Monterey Financial. I was making payments to Monterey Fin until I fell on hard times, lost my job, and my child died last year. The agent was rude and disrespectful. She called me after I made online disputes for my credit report. She told me on last Saturday, " Pawn the rings and get the money. '' The prices went from {$1300.00} to {$1600.00} to pay off the account but my report says I owe {$1100.00}.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC (NJ)

my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee. 
Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple.
Consumer complaint received 2017-02-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

The property that I live in and that it is my primary home it is currently in foreclosure. The property was purchased with a loan that was a negative amortization and it was part of the predatory lending practices during the financial crisis. The loan was not explained to me and sometime after the purchase I was unable to make payments when the payments increased. I am a retired person and XXXX years old. I have been trying for years to come to an agreement with my bank and get a loan modification with a fixed interest rate, and for which I have been denied each and every time. I am a retired XXXX lady that get help from my children in order to pay my bills. The bank refuses to modify my loan because they say its been more than 36 months since I last made payment. We can show enough income coming to afford the new modified payment with the help of my children who are willing to assist financially with my mortgage. The bank refuses to allow their income as help and I will loose my home as a consequence. At this time the bank has requested the courts a sale date. If the sale goes thru I will be homeless. Again, this is my primary home and I have no where else to live. I am hoping your agency can help in having the bank process a loan modification so I can continue to live in my home with the financial assistance of my children. 

Thank you, XXXX
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Monterey Financial Services LLC (NV)

I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired. 

I informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request. 

I am filing this complaint to follow through with my stated action I would take against them for violating this law.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I was told by my bank that if I paid a higher rate, my PMI will be included inside the loan and I would not have to pay a PMI. I am seeing PMI payments on my mortage account for approx. XXXX This was n't suppose to be there. The bank lied to me by using depective practices to give me a higher rate. My rate was suppose to be 3.625 with lender paid PMI but I was given at closing 4.625 instead. I questioned the rate during the entire mortgage process but I was told its an estimate and it will be updated before closing. I raised this issue at closing again, but I was told to go ahead with the closing otherwise I will lose my money on deposit and other money I paid for the house such as inspections and etc. 

Also, I have requested several times from the bank to see the original loan documents, but the bank says they lost the original documents and can only provide copies. I believe my documents were altered and at closing I was told they will fix it but the bank never fixed it. I was also told I did n't have to escrow my account. But now the bank refuses to remove the escrow and wants me to send them more money to remove it. 

I have been asking the bank to show me any disclosures documents. Bank did n't provide any disclosures to me during loan process. All I got was a surprise at closing. 

I spoke with Wells Fargo while writing this letter. I spoke with Wells Fargo Representatives at XXXX at approx for about an hour more or less. I spoke with XXXX Supervisor in Loan department and she saw the Settlement Statement ( HUD-1 ) and says she sees my complaint is valid. HUD Statement Page XXXX ( Attached ) clearly shows the issue at hand. 
XXXX stated she has to escalate this issue since my complaint is valid, I was transferred to Office of the President and I talked to XXXX XXXX. She went over the complaint again and said someone from the retail divison will get back to me within 48 Hours. 

I have been reaching out the Wells Fargo for well over 2 years now and I have zero faith they will do anything about this issue and they keep giving me the run around.
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Northstar Location Services, LLC (OH)

Northstar Location Services has contacted me XXXX times and told me that they are looking for my mother who owes a debt. My mother did not give my cell phone # to them. I do not know how they found my cell phone #. They are nasty on the phone.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX  ( original creditor : XXXXXXXX XXXX  ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I continued to stay in contact with Wells Fargo while I was trying to sell my house to at least short sell, if possible. I informed them I came to the house every day, was maintaining the house and had personal items I was trying to get out. I had piles to go to the auction, to storage and to move. 
I was never given a first time vacancy letter. Instead, one day, I came home to a notice on my door, the back door locks were changed. My personal belongings were thrown all over the place. My tax documents were gone through and stolen. I had antiques, tools, items ready to go to auction for sale that were stolen. The place was a mess and I had a showing that afternoon for the house. 
On top of this, when I called Wells Fargo and their service who changed the locks, they told me it was n't necessary to file a police report, only to find out later it was very necessary. I was continually given a hard time on the phone with my claim. They gave me different claim numbers, they told me to file a burglary claim online but my policy number was never accepted online then they told me that residential policies could not be filed on line. I was continually re-directed. In the meantime, I had over {$2500.00} worth of stolen items, along with my identity.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I deposited a check at a Wells Fargo ATM and the ATM gave me a message that the check balance will be available the next day. I get a email from Wells Fargo 2 days later that the balance will not be available until the end of next week. I contacted the issuing bank and the funds had already been withdrawn. I contacted Wells Fargo and there answer was " that as a customer I was rolling the dice when I deposit a check ''. This is a crazy response!
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2016, I noticed a fraudulent charge on my credit card. 
I called Wells Fargo to notify them of this issue, and the agents I spoke with refused to assist me. I had recently been through more than 100 phone calls in an effort to resolve fraud shutdown issues with my card, and was met with a lot of resistance. 
Moving forward, there have been numerous more fraudulent charges to my account. I 've made more than a dozen phone calls, and sent several messages, in an effort to resolve these fraud issues. 
In lieu of resolving the fraud issues, Wells Fargo closed my accounts. I am unable to receive any assistance from them anymore. 
On XX/XX/2016, I met with XXXX in the XXXX branch, and she confiscated my cards while I was there.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAINE & WEINER COMPANY, INC. (AL)

On XXXX/XXXX/16 XXXX XXXX called me @ XXXX stating that I owe money to a company called XXXX . I asked him what was his time & he said XXXX & that it 's a commercial account he can call me anytime he wants ... After I asked him for the information again as to who he really was & the debt information then he got aggressive & hostile in his voice & told me that I 've asked him that twice but am I going to pay the debt. I told him how can I pay a debt if I did n't know who he was or what the call was about ... My belief is once he realized that I knew he was not practicing the correct debt practice laws by calling me before XXXX he froze up but was still being a rude debt collector even after the fact ... I, not XXXX eventually hung up the phone & I proceeded to contact CFPB to report the issue
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Our escrow account is short almost XXXX dollars. Our taxes have not changed and our mortgage payment went up only XXXX dollars per year. So where is the money that is supposed to be put into our escrow account? I have never had this problem with other lending banks. My mortgage is with Wells Fargo and I know they are found to be doing illegal things in the banking division. This may be one of them.
Consumer complaint received 2016-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC (MI)

A company named Allied Interstate is calling harassing me about my ex-husband, XXXX XXXX 's student loans. I have explained at least 5 different times that my cell number is not his number. I do n't have another phone number for him. Several reps repeated his last address they have on file. That is the last known mailing address I know he has. I do n't interact with him. I was left a message by an employee that he would continue to call until I provided another phone number to reach XXXX XXXX.