davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (TX)

WELLS FARGO HAS BEEN CHARGING ME EXCESSIVE CREDIT CARD FEES! I HAD A CREDIT DEFENSE PLATINUM INSURANCE PROTECTION PLAN THAT I PAY MONTHLY FOR THAT IS OFFERED WHEN APPLYING FOR A WELLS FARGO CREDIT CARD. THIS INSURANCE PROTECTION PLAN IS SUPPOSE TO TAKE CARE OF THE CREDIT CARD MINIMUM PAYMENT WHEN I AM HOSPITALIZED. I WAS HOSPITLIZED FOR TWO MONTHS AND FILED A CLAIM THROUGH THE CREDIT DEFENSE PLATINUM INSURANCE BUT BECAUSE WELLS FARGO KEEPS CHARGING MORE AND MORE LATE FEES AND HIGH INTEREST FEES AND ALL OF THE OTHER FEES TO MY CREDIT CARD, THE CREDIT DEFENSE PLATINUM INSURANCE STOPPED PAYING MY MINIMUM PAYMENT BECUAUSE THE FEES MADE MY MINIMUM PAYMENT TOO HIGH. MY WELLS FARGO CREDIT CARD HAS BEEN CLOSED FOR MORE THAN A YEAR BUT WELLS FARGO STILL KEEPS CHARGING ME LATE FEES, HIGH INTEREST FEES AND OTHER FEES EVERY MONTH FOR MORE THAN A YEAR EVEN THOUGH I CLOSED THE CARD OVER A YEAR AGO. I HAVE ACCUMULATED MORE THAN {$2000.00} IN LATE FEES AND HIGH INTEREST FEES FROM WELLS FARGO EVEN THOUGH I CLOSED THE CREDIT CARD ACCOUNT MORE THAN A YEAR AGO.
Consumer complaint received 2016-12-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (RI)

I opened a 12 month-no interest loan for items with XXXX through Wells Fargo Bank on XX/XX/XXXX. No interest monthly amount is {$240.00}. On XXXX or there about, I made a telephone payment including a a late fee totaling {$260.00}. Today while looking at my statement I noticed that my new balance is {$910.00}. XX/XX/XXXX should have been the 12th and final payment. The customer rep, after much time on hold, informed me that when I made my payment via telephone in XX/XX/XXXX, that I gave them the wrong checking account number at that time. Since I was never notified that the wrong checking account number was submitted ( whether by them or me ), I had no idea a payment was not made until today when I spoke to the account rep, who also told me that Wells Fargo in not legally obligated to tell me that the payment method was in error ( until today in explaining how they can charge me over {$600.00} additional interest in addition to the XXXX payment, if I were to pay the account in full ). Interest will now continue to accrue. Additionally, the statement is and has always been sent with a minimum amount due of {$100.00}, with no mention of the {$240.00} no interest payment, with the exception on my payment made the previous month in that amount, interest amounts and charges, etc. i.e. the statement is extremely confusing. My complaint is that Wells Fargo should have notified me immediately that the payment was entered in error when made by telephone. This leaves only two scenarios by Wells Fargo. 1. Intentionally holding the fact that my checking account number did not go through and payment was not made. Or 2. Not giving this information to me regarding the incorrect checking account number for payment until I asked seven months later when/until I asked.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NH)

Southwest Credit Systems is reporting a collection account on my consumer reports related to a debt that they have no legal authority to collect on. The debt in question was paid in full to the original creditor, XXXX, and Southwest Credit Systems has no legal standing to engage in collections activity on this account. Following my payment to the original creditor, Southwest updated my consumer reports to reflect a " Paid '' status despite the fact that I have never paid Southwest Credit Systems for any debt, nor have I ever acknowledged any ownership of the debt they claim was owed by me to them. 

Additionally, Southwest Credit Systems has engaged in repeated violations of FDCPA legislation. They have never mailed ANY documentation to me as required by FDCPA 809 which would have allowed me to dispute the alleged debt. Then, they refused to provide proper validation of the alleged debt following my written correspondence to them sent Certified Mail, Return Receipt Requested on XXXX XXXX, 2015 and received by their representative, XXXX XXXX, on XXXX XXXX, 2015. This lack of response to my dispute is in direct defiance of FCRA 623 which allows consumers to dispute reported data directly with the data furnisher. Their failure to respond to my dispute while continuing to report the alleged account constitutes illegal collections activity as affirmed in XXXX in which the judge found that reporting collections accounts to a consumer reporting agency constitutes collections activity under the FDCPA. 

This illegal activity by Southwest Credit Systems must cease immediately. If the organization does not immediately delete all references to this illegally-reporting tradeline from my consumer reports, I will move my claim to the Federal District Court in XXXX, New Hampshire, and we can discuss the matter in front of a judge while Southwest contemplates the value of reporting a tradeline that is of no worth to them versus the reality of them paying me {$1000.00} for each FDCPA violation they have engaged in.
Consumer complaint received 2016-07-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

Hello, thanks ahead for your time reading this message I believe my line of credit was denied base on the amount of fund. First, Wells Fargo could not convince us to transfer our auto loan onto the LOC. They will have to reduce our LOC from {$20000.00} to {$10000.00}. Since they do n't make much money for any loan amount below {$12000.00}, the treatment of the loan was totally different from the earlier stage of application. It seem like they were forcing us to quit with the process, since they are not going to make much money. After XXXX months of submitting them every little piece of financial information that they needed, Wells Fargo rejected my loan application based on my loan to debt percentage. 
All of the information that they needed to determined this loan to debt ratio was provided for them from the beginning stage. How much we make and how much we owe could have been picked up during the initial application process. Our point again, Wells Fargo was forcing us to quit with the loan since the loan amount was small. At the end, Wells Fargo denied our application of a very weak basis that they have not explained in writing. 

We have tried to contact our loan processor, but our email was ignore. We were asking on the information that they used to determined my loan to debt ratio. We figure with our salary of over {$100000.00} a year, a mortgage less then $ XXXX, {$200000.00} equity line, we could afford another $ XXXX payment for the LOC of {$10000.00}. Apparently, not!
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

My Issue is with NAVIENT : They are a complete scam! 
I have a consolidated Parent Plus Loan. I would like to pay quicker by making extra payments or changing the terms ( when they got loan from XXXX XXXX they put me in what I think is like a 30 year term .. without communicating it to me ) Now, their terms jump from 120 payments to 300 payments .. nothing in between ..really no 180 payments? They have the pay as you earn and such, but I do n't qualify ( because I am a parent ) I called to ask them to apply the excess payment to my principal. I was told that I needed to send a note requesting that with my monthly check. I explained that I pay my bills online, I was told they needed request in writing ... then as instructed requested in writing that my extra payment be applied to the principal NOT interest or to the upcoming payment. My letter was ignored, I sent another.. again ignored bunch of letters later ... I called again.. they verified that they had received my instructions ... yet my extra payment is applied to following month! Even tough I pay regularly the same amount ( {$50.00} above my scheduled payment ) there are string of months when NOTHING goes to lower my principal. Even when they do apply something to principal, it is a fraction and it is always a different amount that has no logic ( it could be more than last month, or it could be less or it could be nothing!! ) Never had a loan like this!! THIS IS A NEVER ENDING LOAN! I pay and pay and owe basically the same principal! I have paid my car loan, my mortgage ... they are mathematically calculated based on a formula ... WHAT IS NAVIENT 's formula? Now I am a grown ( old ) woman with experience dealing with loans, credit cards, mortgages, even do my own taxes .. Can only imagine the what they do to these poor kids just out of college. Navient also does not honor their agreements ... they tell you one thing, then they do another. I agreed in XX/XX/XXXX to 15 years, verified payment amount .. then get letter with different info, longer term, lower payment!!
Consumer complaint received 2020-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.
Consumer complaint received 2017-01-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XX/XX/XXXX and XX/XX/XXXX Bank of America and their business partners, representatives and third party agents have colluded and conspired to defraud of my home and property by circumventing the rules of real estate, mortgages, loans, debt, and contracts. 

Specifically, Bank of America has intentionally withheld material information regarding the true status of my home loan mortgage account AND deliberately set out on a planned course of action to deceive, coerce, defraud, humiliate, and intimidate in their efforts to separate me from my home while pretending to engage in loss mitigation processes for years at a time and receiving monetary assistance from tax payers of the state and federal governments of the United States of America during such a scheme. 

Collusion occurs when two persons or representatives of an entity or organization make an agreement to deceive or mislead another. Such agreements are usually secretive, and involve fraud or gaining an unfair advantage over a third party, competitors, consumers or others with whom they are negotiating. 

A criminal conspiracy exists when two or more people agree to commit almost any unlawful act, then take some action toward its completion. The action taken need not itself be a crime, but it must indicate that those involved in the conspiracy knew of the plan and intended to break the law. One person may be charged with and convicted of both conspiracy and the underlying crime based on the same circumstances. 

104 ) Collusion 105 ) Conspiracy All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2015-03-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

My father passed away last summer and I have been trying to sell his house in a short sale because he was so upside down as he carried a mortgage with Nationstar and XXXX XXXX. His home was deeded to me - I live next door to him in a neighborhood where homes are being stripped and crime is high. We have a buyer for the home and she has been in active nego with Nationstar. The auction is set for tomorrow, XXXX XXXX and the realtor requested to push it out over 2 weeks ago. A broker from Nationstar did a walk through on XXXX the XXXX and now we learn that the house is going to auction???? what is up with this company? My father was XXXX years old when he died and somehow he was owing {$XXXX} on a home valued now at highest {$90000.00} - I really feel that he was taken advantage of and agreed to anything to keep his home or lower payments??? I do n't know?? I do know that if the bank owns the house and the renters move out that the house will be stripped and vagrants will move in and drugs etc. will happen right next door to me. I only wanted the chance to keep my family safe and my own property value up. There are so many houses in this neighborhood that have been abandoned. I have young grandchildren that I care for and the thought of them being subjected to the potential crime has created so much stress on my husband and I.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

A payment {$2600.00} was sent to XXXX XXXX ( serviced by Navient ) and was posted to the wrong student account. Since Navient found where it was incorrectly posted, Navient has made XXXX manual entries trying to post the {$2600.00} payment between XXXX of my private loans and backdate it to XXXX/XXXX/14 ( the date it was posted to the wrong student account ). The payment still has not been posted correctly after six months and XXXX entries. After numerous calls and countless hours dealing with Navient 's Customer Service ( you ca n't speak to anyone who actually posts your payments or knows how it works ), I finally found someone who would request my account be audited by Navient 's " Finance Dept '' regarding my payments and the interest paid in 2014. I finally received XXXX separate letters from Navient for each audit ( payments and interest ). The XXXX letter said the interest I paid in 2014 was {$53.00} ( I made XXXX payments of {$210.00} each in 2014, plus the additional {$2600.00} payment ). The XXXX letter showed all of the " payments '' in 2014 with a breakdown of how much was applied to Principal and how much to Interest. When you add up the Interest Navient showed, it totals {$3200.00}. Please explain to me how XXXX letter says interest paid in 2014 is {$53.00} and the other letter shows {$3200.00}. The letters were dated XXXX day apart. Neither letter is correct. Navient has made so many errors I do n't know if anyone can fix it, but certainly no one at Navient is capable of doing it. I am so frustrated with not being able to talk to anyone at Navient who understands Accounting and can see the errors made in the XXXX entries they have made. I am hopeful CFPB can research and reconcile my account and ensure Navient processes the correct entries to resolve this.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

In XXXX 2016 I submitted a written request to end escrow of my HOI and ESCROW TAXES ONLY. I received a call in XXXX indicating they received the request to ESCROW TAXES ONLY. Nationstar did not process my request until XXXX 2016. When they processed the request they closed my escrow count completely. I requested to ESCROW TAXES in all communication and instead nationstar mortgage closed my escrow account completely. I have never asked them to close my escrow account completely. I have always asked for ESCROW TAXES ONLY. I am now having to make 10-20 calls to have this issue fixed and I have a tax payment that is due from escrow next month.
Consumer complaint received 2020-09-08
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: Arbor Professional Solutions, Inc. (MI)

I sent a letter via certified mail to Arbor Professional Solutions ( XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX ) on XX/XX/2020 to validate a debt of {$680.00}. As of XX/XX/XXXX, I have not received a response from the debt collector. On XX/XX/XXXX, I sent letters to XXXX  and XXXX  informing them that Arbor Professional Solutions had failed to respond to my validation letter and requesting that this debt be removed from my credit reports. At the end of XXXX, I received replies from XXXX  and XXXX stating that this debt was valid despite the fact that I didn't receive validating documents as required by the Fair Debt Collection Practices Act.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (IL)

I applied for a home rebate credit card with Wells Fargo to accept a 0 % offer and accepted a balance transfer offer included in that. Upon receiving my card the balance transfer was not processed. I proceeded to complete it online with no complaints, but then inquired via phone first to ensure that my balance transfer would apply towards my home rebate offer. They confirmed it would not so I explained that I would not want the balance transfer to be processed. The representative assured me there was no balance transfer processed on my account, however days later I learned from my limited available credit they had processed a balance transfer to my other credit card. I called and advised I would need it reversed as I had not authorized it, or if so had expressed that I did not want it as they did not advertise that balance transfers were not included in the offer. They also had charged me a fee that I was requesting to be credited. Wells Fargo representatives informed me I would need to proceed with a fraud claim and be issued a new card and that would cancel the balance transfer made on the old card. I did that waited XXXX days to get my new card and the balance transfer amount of XXXX had been credited back on my card, but not the fee. I called again, and was told it can take 7-10 more days and I would need to wait. I did, however in the mean time I checked my account because I had made some rather large purchases and discovered not only had the applied the balance transfer fee again, but I now ( because of my purchases was massively over the credit limit ). I called again and this time was told I needed to contact my other credit card company ( XXXX XXXX ) because there was now nothing we could do. XXXX XXXX stated that they could have reversed it, but it was a small window, and the fact that Wells Fargo had given me the runaround for XXXX weeks, that window had passed. I called Wells Fargo again, where I was hung up on after requesting for further management to resolve the issue. I do not want my credit negatively impacted nor do I want to have the balance held with a company that does business like this.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of america falsely used their " right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX I have been an amex serve customer for over 5 years I am writing to you because I am hoping you can help me on XXXX XXXX I reload my card with {$1900.00} at my XXXX store in my town 2 days later I go to withdraw money for gas and my card is declined I look on my serve account app and my balance is {$0.00} I look at my transactions and I had over 20 debited transactions that I did not make I immediately contact Amex serve and start disputing all the charges and I have them send me a new card I was told by the representative that it would take 10-45 days for the investigation to be done the next couple of days I spent everyday calling Amex serve I sent them all the forms that needed to be filled out everyday that I called I kept being told on the tenth day which is today XXXX XXXX I would get an email with there decision I get the email today which says they will not be crediting my account because the transactions were authorized which makes no sense I didnt make those transactions I am a XXXX in XXXX XXXX XXXX XXXX I work hard for my money I am just asking for some justice I also filed a police report I really hope you or someone can look into this and help me my phone number is XXXX and my email address is XXXX. I have all the documentation saved and I can send to you I appreciate you taking the time reading this
Consumer complaint received 2016-01-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a joint account at Bank of America with my husband. My husband also had a joint account at Bank of America with his son that was opened when his son was a minor and needed a parent/guardian on the account. His name had never been removed from their joint account although his son is now an adult and no longer resides at our residence. My husbands ' son 's account was apparently overdrawn and they withdrew funds from my and my husbands joint checking AND savings account and placed them in his son 's overdrawn account without permission or knowledge from either myself or my husband. My husband did, on the day we discovered the withdrawal, close the joint account as the Bank would not remove his name from the account without his son being present and we were not able to reach him.