davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

I have had a busine ss account with Citi for several years. Citi, decided to close all their branches in MA and subsequently they forced everyone to use  their online banking for all transactions.   On MOnday the   XXXX   XXXX   XXXX   XXXX    , i went on line to see the procedures required to wire money to a vendor but noticed that i had repeated login issues. Naturally i called the toll free number on the back of the ATM card to seek help. Yet every time i called, they said that since my account is a " special commercial account '', only my account  manager ( yes, one person ) c an help me unlock my account.   After several attempt to reach my account managers, who happens to be in TX and CT, i am now told tha t CITI, during their routine KYC complian ce checks, noticed that after years of banking with them, they do not have some information about me. And as such, they have decided to first close my account on the   XXXX   XXXX   XXXX   WITHOUT ANY NOTICE TO ME. Then when they realised that they made a mistake, for  two days now they have tried to re-open my account. Yet after 5 days, i STILL DO NOT HAVE ACCESS TO MY MONEY to conduct my business.    If  CITI screwed up on their compliance procedures, information that i have already given to them, why are they STILL blocking me access to my money? i have a I feel so helpless as there is no one that will help and there is no branch to go to to get my money out. In the meanwhile, i have written three chec ks, which i am certain will bounce. This is affecting my business very negatively.   This is so wrong on so many levels and i feel helpless.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

My husband and I received a letter on  XXXX   XXXX ,   XXXX   from our mortgage com pan  y ( Wells Fargo Home Mortgage ) that ou r account was marked delinquent several times over the time of  XXXX  for our mortgage account and for our home equity line of credit accounts. The months that were in error were  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . This also means that it may have affected months before or after those reportings as well. We own our own business and this has affected our livelihood tremendously!!! We have called time after time and written letters over the years trying to find out why o ur credit score was   dropping and could not get an explination. After several years we finally get a letter f rom Wells Fargo Home Mort gage stating that they were in error. We have to have credit in order to keep our business going and to be able to have inventory, banking approvals for customers, and floor plan for our products as well. This has held us back from being able to make our business grow and prosper in the way it should have been able to and has affected not only our business, employees, and customers, but our own family as well. We have not been able to get loans for business and personal accuonts that we have needed. This in NOT acceptable and we have tried to reach out to many different contacts and credit bureau 's ... ... ...  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   ,   XXXX   XXXX   XXXX   , Wells Fargo Home  Mortgage etc. Please help us get this corrected and taken care of so that we can finally be able to run our business the way it should be and so that we are not punished when trying to get loans for business or personal use in the future.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

I began the process of refinancing a rental house I own. I was qualified and all was needed was the appraisal. It came out fine for value but the  appraiser e stimated the rent to be {$1900.00}. The house is currently rented for {$2500.00}. I had no problem filling the vacancy in two days last  XXXX .     I 've asked the appraiser to both explain his reasoning and to accept my provided comps for rent which shows comparable houses for rent or rented in the $  XXXX - {$2700.00} range. He refuses to even respond.     The mortgage company underwriter will not move forward based on the appraisers opinion.     So, they will not fund my loan however I should have recourse. I 've provided proof of rents and lease agreement and the bank has chosen to rely on the appraisers opinion over my actual data and now I 'm out {$850.00} for a flawed appraisal. It 's the banks prerogative to not fund but at the same time their opinion should be based on fact not opinion. I am entitled to a refund for the appraisal. I 've performed and they 've chosen to accept the opinion of the appraiser over my documented and provided proof of the income from this rental.     If I was n't qualifying or not providing documentation needed to process the loan, I completely understand. However, I 've performed, complied and provided all documentation. I 've done everything they 've requested. If they 've decided to not move forward, at the very least I 'm entitled to a refund for the appraisers opinion over my fact.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is continuing to reporting my old last name and addresses on my credit report that I do not want to be associated with. I have been divorced and need my old last name removed from my credit report as I have updated it with all my creditors.     Please delete the following names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Also, delete the following addresses :  XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX  ( I have not lived at this address in over 10 years )  XXXX   XXXX   XXXX   XXXX , NJ  XXXX  ( This is my daughters old address. It should not be on my credit report )
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

I was in deferment for about a year. I selected a lower payment that consisted of  XXXX  monthly for 24 months, and then it would go up based on income. They approved this, and I set up auto pay. When I set up auto pay it said to make first payment manually so I did. After I did that it paid the first  XXXX , little after that I got statement that said  XXXX . I called and they told me it was error from system and that they would fix it. I call back a month later because it was n't solved and spoke with another rep that said he did not know what happen but that he would have someone fix it and send me email. Today I receive another email stating that my terms for payments have changed and now my new monthly payment is  XXXX  starting  XX/XX/2017   . I feel like they are doing fraud by lying to me of what my payment plan is supposed to be. I am suppose to be paying  XXXX  for 2 years and then change to different amount. They have scammed me to pay more each month instead of after 2 years. I am looking forward to take legal action against them if possible. Then the email says it wo n't affect my current payment, but my auto pay says  XXXX .
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (CO)

I sign ed into a one year contract ( with my husband ) with a security system company knowing that I was moving in a year. I specifically told the sale sman that. After refusal to give me a copy of the contract and being told I would be emailed it I assumed all was alright.. After a year of having the service and letting the company know that I would be moving, thanking them for their service and that I would not be renewing my contract with them they told me that I had sig ned a 5 yr co ntract initially and that I needed to pay ove r 4,000 to  get out of the contract. They were rude and demanding. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on  XXXX / XXXX /  XXXX  . I was contacted  XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.
Consumer complaint received 2017-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I was a customer of  XXXX   XXXX  in the year of  XXXX . I graduated in  XXXX  and was given 6 months before I had to start making payments. I made payments on time every single month, then a major lay off occurred at the  XXXX   XXXX  I was working at at the time. I called  XXXX   XXXX  which directed me to  XXXX  , which I was unaware of and confused. I spoke with them and they told me there was only one option to stop payment for only 3 months and that was to pay three months ahead. I had a co-signer and could not let the paym ent go in default. In turn, I had to borrow money for borrowed money to attend school during our struggling economy. I have now paid this back, however, I feel I was cheated and finally I see the company is being sued and I would like to speak up for others and say I was a victim of their crime in why they are being sued. It was wrong and made a long struggle when most student loans will make arrangements to help less burden the students when getting on their feet.     Also, I do have proper documentation to prove this to be true if in the case it is needed.   Thank you.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

They hit me with overdraft fees cause of regulations on daily spending limits. went there in person on  three  occasions to have fee removed they would n't remove it. I tried to close the account they would n't because I had a balance and my auto pay for my mortgage through the same bank. This occurred in  XXXX   XXXX  almost a year later this issue is still not resolved they ruined my credit. Now after a little research I find that they set up fake accounts,   XXXX   XXXX   XXXX   XXXX   XXXX  , and defrauded fha and payed  XXXX   XXXX  in fines to  justice  department to make it go away? How is this company still in business and no one went to jail?   So now I 'm stuck with bad credit and issue is still unresolved? So this institution does n't follow the laws and stays out of jail? But they want there customers to follow there regulations when they do n't follow any. Wondering what to do? I 'm disgusted with trying to resolve this? I 'm not sending them any more of my hard earned dollars cause of my dissatisfaction with there customer service. So now I ca n't purchase a home nor refinance and I 'm gon na end up in foreclosure.  XXXX   XXXX  is the contact from  Wells Fargo a nd resolved nothing since  XXXX   XXXX . Can you help me keep my home and get  my credit score bac k up?
Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

I have a mortgage for a house on  XXXX   XXXX  from   XXXX   of  XXXX   XXXX , FL, then a month later the mortgage was sold to  XXXX   XXXX    XXXX   whom had it for over a year. Due to the high monthly instalments ( {$1200.00} plus {$280.00} for HOA ) I decided to apply for modification with  XXXX , The bank turned me down five times and sent me a letter for foreclosure on  XXXX . I hired an attorney at that point and chase was unable to foreclosure on my property after my lawyer brought them before the judge in  XXXX  county, Fl.Therefore chase got rid off the mortgage to avoid litigation and sold it to  XXXX  Bank  XXXX   XXXX , after Hud approval.  XXXX   XXXX    XXXX   pursued foreclosure unsuccessfully since they lost in court in  XXXX  in  XXXX   XXXX   XXXX  loan servicer came on board to service this loan for  XXXX   XXXX  (  BSI Financial Services  ) After losing battle in court  XXXX    XXXX     XXXX  transferred the loan to  XXXX   XXXX  and BSI kept servicing this loan. For over a year  BSI Financial  attempted to collect the mortgage payments and also tried to foreclosure but after speaking with my attorney they surrendered their intentions and transferred their loan services to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Then sold the mortgage back to  XXXX   XXXX  keeping  XXXX   XXXX  as their servicer, this happened just on  XXXX  .The pro blem is that  BSI Financial i ssued me a  XXXX  tax form for the year of  XXXX  after they transferred the loan to  XXXX . I called them to find out the validity of this and after speaking with  XXXX  at BSI, he said he had no knowledge about it and that he would research the issue and get back to me or my attorney, never happened, so I called the IRS and I was told That BSI needed to issue a corrected  XXXX  .I must  mention that BSI claims this form is for a " cancellation of debt on a mortgage dated on  XXXX / XXXX / XXXX  '' .My house has never been in bankruptcy, not sold or else. Records on  XXXX  county, FL still show I 'm a the owner of this property.BSI has placed my name on the  XXXX  credit burew as bad debt, which I also dispute, since I have no business with BSI whatsoever. Please I need to clear my credit report from this illegitimate input and also have BSI Financial services  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  to correct and issue a corrected  XXXX . Thank you very much for your help
Consumer complaint received 2017-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TN)

I received a late property tax notice with late fees attached on   XXXX   XXXX   XXXX  . I tried to call Fay Servicing , LLC that day and also emailed them. Since then I have sent numerous emails and called several times. I get a random account manager who directs me to leave a message with my assigned account manager. I ALWAYS have to leave a voice mail. The  XXXX  time I reached her on    XXXX   XXXX   XXXX    she stated she would investigate and call me back the same day. Never heard from her. I have attempted twice since then to have anyone call me back, no one has. This is supposed to be paid out of my escrow account, which they have. On   XXXX   XXXX   XXXX   another late fee will be assessed. This is mishandling of funds. I have checked with the tax assessor and it still has not been paid. There have been  XXXX  emails sent to  Fay Servicing  and several voice mail messages left. The one time I spoke to someone they stated it was paid on time in    XXXX   XXXX   XXXX   The   XXXX   XXXX   Tax assessor stated it has not.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my   XXXX   credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I have  a credit score o ver  XXXX  and a credit history  of 20+ y ears y et Capital One always re jects my application. It appears that they do not grant credit cards to customers who have   XXXX   XXXX  . When completing the form they ask if I am a citizen of another country and ask which country. I question the legality of this. Thank you
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In mid  XXXX   XXXX , I responded to the Bank of America 's {$300.00} cash bonus offer to open a new checking account with them. The offer requirement was to open a new checking account and make direct deposits totaling {$4000.00} or more within the first 90 days of opening the account. I opened the checking account on    XXXX   XXXX   XXXX   and satisfied the  requirement within 30 days ( direct deposit of pension payments from TIAA ). In lat e   XXXX   XXXX   XXXX   I ca lled BOA customer service to inquire about not seeing the posting of the {$300.00} bonus, the agent confirmed that I had met all the requirement and that he bonus was " in the processing stage. '' She advised me to be patient and check back in another 30 days. But after another month I still did n't receive the {$300.00}, so in early   XXXX   XXXX   XXXX     I called the BOA customer service again about it, and this time the agent told me the bonus is still " in processing. '' Once again she confirmed I have met all the requirements but she said the waiting period is 90 days after meeting the requirements. She assured me the bonus would be posted after  XXXX   XXXX  and told me to be patient for a little longer. But  XXXX   XXXX  passed and still i do n't see the bonus. I called the customer service on    XXXX   XXXX   XXXX   again , only this time i was told that my bonus was denied! They claimed that I have not made the direct deposit. I just ca n't believe this! After more than 4 months of assuring me that i have met all the requirements and that my bonus was on the way, now suddenly change the response?? And per their promotional term , 3rd par ty agent payments such as gov't and pension payments are part of the qualifying direct deposits. If they do n't mean what they say, what were they trying to do? Intentionally lying or false advertising to lure and deceive the consu mer?!
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     Thank you.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  XXXX  POLICE REPORT.   XXXX    XXXX , FRAUD ACCOUNTS.  XXXX   XXXX   XXXX   XXXX  .PLEASE HELP ME.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TX)

I notifi ed American Express that i  have been a victim of Identity theft as soon as I found out. It was on  XXXX / XXXX /   2016  when I notified all  XXXX  credit bureaus with affidavits from my lawyer and a police report. They did n't remove it from my report which I requested. As of a month ago I sent another affidavit asking for the original contract signed stated by the Fair Credit Reporting Act  section 609 ( a ) ( 1 ) ( A ) that they are required by federal law to verify through the PHYSICAL verification of the ORIGINAL SIGNED Consumer contracts. I currently live in TX which by law in order to collect they must be bonded with the Secretary of State in which American Express is  not. I am demanding that the credit card of a balance of {$1500.00} be removed immediately. Thanks.