davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

My mortgage is currently thru XXXX Mortgage XXXX and they were assisting me with a re-fi at a lower interest rate ; however, they determined during the re-fi process that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was listed as lienholder for my double -wide manufactured home. XXXX XXXX XXXX is a bank that failed many years back and at that time, Bank of America ( BOA ) was assigned my mortgage and BOA never reassigned and listed themselves as lienholder. Several years later, BOA transferred my mortgage to XXXX Mortgage XXXX and there again, BOA failed to release themselves as lienholder and assign XXXX Mortgage XXXX as the NEW lienholder. Since XXXX XXXX is no longer in business, I have been dealing with BOA since the beginning of XXXX and to date, no one with BOA has moved forward in helping release this lien so that I can move forward with my re-fi. XXXX XXXX XXXX and BOA have both failed to do what they should have done many years ago each time the loan was sold/transferred. In dealing with BOA, I have spoken with several different employees -- no one wanted to help until I finally reached XXXX XXXX. However, as of yesterday, XXXX told me that her and her supervisor were training to leave their current dept and go to another dept within BOA leaving me there again on a dead end road with no resolution in sight. XXXX would not refer me to anyone else except her supervisor which is the leaving the dept. herself. I was told by XXXX today that Mortgage Electronic Registered Services ( MERS ) is listed on the Title commitment along with XXXX XXXX that I can contact them at XXXX and when I did, it did indeed show the new service provider as XXXX Mortgage XXXX of my mortgage. However, BOA could not understand the fact that my XXXX titles ( double-wide home ) at the Alabama Department XXXX XXXX in XXXX, Alabama is still showing XXXX XXXX as lienholder and as long as XXXX XXXX is listed as lienholder, I WILL NEVER BE ABLE TO REFINANCE OR EVEN SELL MY HOME IN THE NEAR FUTURE. I have hit obstacles with BOA from day XXXX with no one ever accomplishing anything because they feel like they are not obligated to release the lien to XXXX. XXXX is no longer in business. Therefore, BOA should be the XXXX to release the lien to XXXX Mortgage XXXX since they assumed the mortgage of XXXX, the failed bank. If I wanted to sell today, it would be impossible -- thank goodness at this time, I am just trying to refinance. Therefore, I would greatly appreciate a quick resolution to this situation since I have received no assistance or help from BOA in remedying this situation.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (AZ)

I 'm writing to complain about the money-handling practices of Wells-Fargo and its subsidiary Americas Servicing Company. 
On XXXX XXXX, 2015 we completed the sale of our home which had a mortgage through the aforementioned company. At the time of closing, there were funds due back to us from the mortgage company. 
Despite Arizona law requiring the funds be returned to us within XXXX days, Wells-Fargo has not delivered the money as of this writing, XXXX days later, on XXXX XXXX, 2015. 
A telephone inquiry to Wells-Fargo resulted in us being told that the check had not been issued until XXXX XXXX ( XXXX days after close of escrow ), had not been mailed until XXXX XXXX ( 21 days after close of escrow ), and that we should expect first-class mail in the continental United States to take 10 business days ( XXXX weekdays + XXXX weekends = XXXX days or XXXX days after close ). 
It appears that Wells-Fargo is introducing unnecessary delays into the process so they can hold money they do n't own for as long as possible. Their representative claimed that they met the requirements under the law " by issuing the check '' in under XXXX days. Apparently, the company 's definition of " issuing '' does not include putting it into the mail which they claim happened five days later. 
I 'm skeptical about even this, giving two days for first-class delivery, mailing can not have happened as late as XXXX XXXX, or the proceeds would already have arrived. 
I requested that the funds be wired to my account, but the bank claims they have no facilities for such a thing. (! ) In all, I 'm very disappointed and frustrated that this company is not following the law, nor acting ethically in dealing with consumers. ( This after years of never having a mortgage payment to them be even one day late. ) I 'd like to ask for your help in obtaining the money we 're owed from the bank, forthwith, and that you take what action is in your power to have the bank sanctioned until it can operate with honor and integrity, and within the law.
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (OH)

Debt collection companies have been calling my phone number for approximately 8 years asking for XXXX XXXX. I am not him, and have repeatedly told them I am not him and have never known the person. The company in question, GC Services, has called me roughly 4 times in the past 2 weeks asking for XXXX XXXX and every time they say they will remove my number. I am sick of being called at least once a week by these people when I constantly tell them that XXXX XXXX has not had this number for at least 8 years.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

Today is Saturday XX/XX/XXXX. Last night I tried to make a online payment. It did not go through so I tried to log into my bank account using my phone app. The app said I needed to update my password and wanted to send a confirmation code to phone numbers that were not mine. I went to the bank first thing this morning. The assistant branch manager sat with me and looked at my checking account and we saw that a XXXX withdrawal from paypal hit my account on XX/XX/XXXX, followed by a {$150.00} withdrawal, neither which I had any knowledge of. I contacted XXXX, while I was sitting at the bank this morning, and verified that the charges were coming through because the hacker knew my bank account information. The assistant branch manager spent an hour with me filing the fraud complaint. It dawned on me to look at my other XXXX savings accounts. Turns out the new savings account I opened on XX/XX/XXXX with a {$25.00} deposit, had been drained by the same XXXX withdrawee on XX/XX/XXXX, two days after I opened the account. We then spend another XXXX minutes filing the fraud complaint for the savings account hack. The reason I came into the branch on XXXX was to get a card replacement because mine was cracking in half. On XX/XX/XXXX I was told a new card would be coming with about 5 days. I found out today that the card was never ordered. Today the assistant branch manager offered to expedite the delivery of my replacement card. After I left the branch today, I tried to make an online purchase, and the card did not go through. I called my bank, figuring I needed to authorize the charge because of the fraud complaint I filed this morning. The representative tells me that the bank put a fraud hold on my account last night when I was trying to make an online purchase, because they thought it was suspicious, even though this is a payment I 've made twice I the past with no problems. I asked why I had n't been notified about this potential fraud, and why had n't the assistant branch manager who is sat with for 1.5 hours earlier today, told me anything about the suspected fraud hold placed on my card. She said they had notified me via a phone call. I asked what phone number they called. My bank had XXXX phone numbers on file for me, XXXX of which are completely foreign to me. They called the wrong phone numbers. They are currently unable to tell me how these phone numbers it to my account. I feel that they are bungling the fraud that is being committed against me, and they have also bungled potential fraud that they are misidentifying. I let the operator I was speaking with today know that I would filing a complaint with the CFPB and it was her duty to also file a complaint on my behalf. She said the representative I was being transferred to would take care of that for me. They let me know that our conversations were being recorded. Thank you for any help you can provide in getting this matter resolved.
Consumer complaint received 2016-05-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (CA)

I received calls from this alleged company on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. It was left in the message that if I dont respond or comply, then they will take legal action etc ... I also called the comapny back to confirm of the call I was insulted with this statement " its sad that you dont even know about your own debt ''. My reply back to the person " Sir I dont know if you were trained properly but that is not how you properly deal with customers and will be notifying the proper authorities in reagrds to this ''. The person called back in which I didnt answer the phone. When I checked my voicemail it was music playing in the background from a T.V. Show theme.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I got XXXX dollars of gas this morning. XXXX  put a {$40.00} hold on my account. They have done this before. I asked them to release it ; they have released it before. Today they told me the previous releases were a courtesy ( never told that previously ) and they would not release the fees today. They told me the fees would release on the XXXX, five days from now. I am a XXXX  and I can not afford to loan a large company {$30.00} for five days. I only got 3 gallons of gas because I have a bill that I need to pay today and I needed that money to pay the bill. I am confident that this practice is unnecessary. Why? Because I have used this prepaid card before at times when I only had {$5.00} to {$10.00} on this card. At those times, at the same gas station, the pump has stopped working when I get to the exact XXXX balance of this XXXXXXXX XXXX
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Bank of America has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs.
Consumer complaint received 2015-10-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I had home located at # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX Bank the mortgage account # XXXX for the property located at XXXX Hidden XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both account Balance were XXXX as of XX/XX/XXXX at the time of sale. 
This inaccurate information needs to be correctedI did submit to you the HUD and Pay off proof dated back XX/XX/XXXX.
Consumer complaint received 2016-01-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MO)

I received a late fee in XXXX 2015, which was waived in XXXX 2015. When I made my XX/XX/XXXX payment, I paid the scheduled monthly payment, but did not include the late fee. Payment was made on time. Because I did not include the late fee, I incurred another late fee. When I made my XXXX scheduled monthly payment, I did not include the late fees. Teh payment was made on time. Because I did not include the late fees for XX/XX/XXXX and XX/XX/XXXX, I incurred another late fee. Even though I made my schedule monthly payments on time, because I incurred a late charge once and did not pay it, I am subsequently incurring late fees every month. 
Is it legal to continue charging late fees month after month just because you did not pay the first late fee and you paid the scheduled monthly payments on time?
Consumer complaint received 2023-07-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (OK)

I have recently been working with XXXX XXXX XXXX  to refinance my loan. When it came time to submit my loan to a title company for property title as required by my State ( Oklahoma ), they determined that another company called Village Capital created a loan and submitted it to a title company, preventing XXXX XXXX from submitting this for closing. I worked with XXXX XXXX from XXXX XXXX to get this action cancelled and notify the title company that I did not authorize Village Capital for this action. 

It appears that Village Capital created documentation on XXXX XX/XX/2023 for a refinance loan for me without my permission. I did not sign or authorize documentation for Village Capital and I did not request them to pull a credit report, I feel this is fraud and there should be some investigation into how this was done without my knowledge or authorization, and that Village Capital should receive some kind of retribution or punishment. 

Village Capital & Investment, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This feedback is in regards to Bank of America dispute resolution department. 
On XXXX XXXX, XXXX, there were XXXX charges posted to our account that we did not recognize, in the amount of {$73.00}. We immediately notified the vendor, XXXX and BOA. 
XXXX did not show the charge. BOA proceeded to follow the dispute process. After numerous phone calls, waiting on hold and broken promises, I sought the assistance of XXXX of the BOA branch managers. She assisted with contacting the dispute resolution department yesterday, XXXX/XXXX/XXXX. In speaking with a rep on a conference call, I learned, A- There was a duplicate charge of {$73.00} made by BOA which had been credited. B- There was a XXXX window that had passed, therefore BOA could not pursue any further. ( My wife had called that same day, spoke to a different rep, and was told they would " escalate and get back to us in 10 days! ) We have heard this numerous times, check your call logs, no-one ever gets back to us. We followed the directions of the bank to the letter. They did not do their due diligence in righting this wrong. They took the easy way out and sided with the vendor. 
The below were the facts ignored by the bank and XXXX ; 1- The zip code used for this transaction, XXXX, was NOT my zip code. 
2- This was an online transaction, yet NO email address was provided. 
3- The transaction was made while we slept on Tuesday XXXX XXXX @ XXXX XXXX. 
4- The game was retrieved while at my job in XXXX XXXX NJ at XXXX XXXX on the same day. 
5- The game rented was for XXXX, which I do NOT own. 
6- Rental history will show that we have NEVER rented a video game of any kind from XXXX. 
7- We have always returned rentals on a timely basis.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had a personal Fine Art business called XXXX. I started this business in XXXX and by fall of XXXX it was still loosing money and I initiated a consultation to consider bankruptcy. I decided to file for bankruptcy and was told that the filing would stay on my credit report for seven years. For the past seven years I have had to pay higher rates on everything and have been patiently waiting for the 7years to pass so I can get my credit score back in good standing. I signed up with a credit reporting agency this past fall to review my credit score and correct anything that was wrong and make any other changes necessary. I requested that some items be investigated and received the Trans Union investigation results stating that my Chapter XXXX bankruptcy filed on XXXX/XXXX/XXXX will not be removed until XXXX. This is a complete surprise and not what I was initially told. What can be done about this? I may have sought other avenues had I known that this bankruptcy would stay on my credit report for a full 10 years. Either I was given wrong information or the decision changed recently in which case I do n't feel that it should apply to me. Please advise.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

We have a home loan with Roundpoint Mortgage. In XXXX we sent {$270000.00} with a request to recast our loan. We were eventually referred to a XXXX XXXX who told us to send our recorded Deed of Trust, we sent it several times. He stated in an email XXXX/XXXX/15 that he received all XXXX pages, then on XXXX/XXXX/15 he stated in an email he did NOT get them, and we sent them again. On XXXX/XXXX/15 he stated in an email he got all pages. We sent several emails asking for a status update. On XXXX/XXXX/15 he stated in an email that the processor will have documents to us by end of XXXX. We sent emails the end of XXXX asking the status as we received nothing from the. On XXXX/XXXX/15 he called our home and stated that they were waiting for us to send the Deed of Trust! He was reminded of all the above information and after arguments he " checked with his processor '' and said we would have documents by XXXX. We asked for that in writing and also to speak with his supervisor XXXX XXXX. XXXX never did return a phone call and neither XXXX nor XXXX have returned multiple requests for a status update. They have had our money since XXXX. All we are asking is to have our loan recast. Their incompetence and lack of response and follow up is frustrating and unnecessary. It is difficult to speak with XXXX and each interaction leaves us frustrated and upset. Please help.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, XXXX & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There was something strange on my credit report so I called to find out what it was. There was a XXXX XXXX account showing up. I thought it was closed. I called back later. They deleted it. It is suppose to be on there for ten years. No one speaks English. My report is different than what they are reporting to XXXX XXXX and XXXX XXXX XXXX. I do n't know understand why inquiries effect the score. I have XXXX showing up the twice the same day. TransUnion had no answer.
Consumer complaint received 2016-09-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ad Astra Recovery Services Inc (TX)

I submitted a debt validation to this company under the Texas Finance code Section XXXX which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent lease form and a claim form. It did n't include original date of non-payment with creditor, date debt was transferred from original creditor, and the Texas Surety bond information. Per Texas law, this is to be removed from my credit report immediately. 

Also this company threatened to garnish my wages and report me to an attorney which is not allowed in the state of Texas.