davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

Recently we were denied a loan modification but approved for a repayment plan. We were behind around {$6500.00} approximately. We offered {$5000.00} in the form of cash/cashiers check and were asking to work out the remainining balance in the form of a payment plan but we were turned down. Wells Fargo came up with a repayment plan in the sum of {$13000.00} making the monthly payment {$2200.00} for 6 months. We were waiting for paperwork to come in the mail to decide whether we wanted to accept the offer or not. Never received it. XXXX XXXX contacted us in XXXX because they did n't received said payment in XXXX. We let them know we had n't received documentation. They agreed to resend it. They took a payment over the phone during that phone conversation before we had signed anything and returned it to them. We called the end of XXXX to schedule an automatic payment for XXXX XXXX, XXXX. It was understood they were taking the payment on that day. We got a confirmation number and everything. They never too ok the payment. Almost 2 weeks later we called to see why it had n't been withdrawn from our account and we 're informed that they had terminated repayment plan because payment was n't received before the end of XXXX. We questioned why we were n't informed of that the day we made the automatic payment arrangement and we 're given no explanation. We were told XXXX XXXX, our home preservation specialist would contact us with in 24 hours. Never were contacted by her or anyone for that matter. Received paperwork that foreclosure process had begun. Suggestions from Wells Fargo were short sale or deed in lieu. We desire to keep our home but feel they did n't want to work with us in the first place. Denied loan modification because it was " too soon '' because we had had one 2 years prior. Sent them a payment in XXXX which was sent back to us stating they could accept nothing less than everything were behind which was around {$1200.00}, I believe. Constantly sending people out to check to see if we are residing in the home.
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

XXXX complaint on this mortgage. The first complaint was filed XXXX XXXX, 2015. 
I am still attempting to short sell the property with little to NO cooperation from the mortgage company ( Nationstar ). Since my last complaint, Nationstar asked me for an estimate on the damage to the property from the previous tenant. My agent submitted the estimate within 5 business days. Then they come back and require that I file an insurance claim on the damages, despite the fact that it is a townhouse. When there is no one living in the unit, there is nothing but liability/structure insurance on the unit. The coverage does not include interior damage from neglect. This is clearly stated in the covenants but Nationstar insisted I file a claim through the HOA. I filed the claim with XXXX XXXX. However, they are 2.5 weeks behind in claims and can not send anyone out until XXXX XXXX. Nationstar has been made aware of every step we have taken and we have jumped through every hoop they have required. They have already denied XXXX cash offer and it appears they are attempting to deny another. 
My agent contacted Nationstar ( via equator ) on XXXX XXXX to let them know there was another cash offer on the property. However, the offer could not be uploaded because " the portal was not open ''. We have YET to get a response from anyone from Nationstar. They have ignored our attempts at contact and submitting the new offer. When contacting the investor, XXXX, and making them aware of the current situation, they advised that they felt " Nationstar was not allowing the new offer to be submitted because the foreclosure date is so close ''. 
I have done EVERYTHING to short sell this property instead of letting it foreclose. Nationstar has been dragging this out and putting up barriers since XX/XX/XXXX despite having XXXX CASH offers on the unit. I have done everything they have asked of me ( and my agent ) and they have resorted to simply not responding at all. I am trying to fo the right thing and not let the property foreclose. The foreclosure date is set for XX/XX/XXXX, despite the fact that there is a current cash offer on the table. Anything you can do to help would be greatly appreciated.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was young and in the military when I was taken advantage of when buying a car. Navy Federal Credit Union gave me a loan that was more than the car was worth. The dealership and the banking institution was working together to get over on me. Now when I try to get rid of the car, the banking institution wont let me they said it will have to be a voluntary repossession. So now my credit is shot and I 'm struggling to get my credit right and having a hard time with a car that have should of been paid off. I been asking the bank to work with me because I had to put monies into the car to repair the engine and electrical work done. I even asked about the civil service act but they said I 'm not qualified. I feel as though I have been worked over by the banking institution and the dealership. My interest rate has n't went down since I first brought the car and it was at 15.69 % and I feel that is way to high.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello - I have requested TransUnion to remove account number : XXXX off my credit report for over 60 days. I have a letter from XXXX XXXX XXXX request the removal and TransUnion has not honored the request. This is stopping me from buying a house and I request this account be removed ASAP! I have attached the letter from XXXX XXXX XXXX for support.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

I recently received a statement from Wells Fargo, the mortgage holder for my home mortgage, increasing my monthly mortgage payment by {$71.00} per month. ( This is for a fixed-rate mortgage, not an adjustable-rate one. ) Wells Fargo has done this before, and when I called them regarding this issue, they told me that it was to cover the increase in my local property tax, which they pay, as it is included in my mortgage payment. However, I checked with my local town assessor 's office, and they told me that that although the property tax had increased slightly from the previous year, it was nowhere near the increased yearly amount Wells Fargo was demanding per month. I did call the assessor 's office this morning, and they told me that the tax for fiscal year XX/XX/XXXX had increased slightly from XX/XX/XXXX but nowhere near the total of the monthly increases for the year, and that the rate for XXXX will not be determined for another two months. I suspect that Wells Fargo is increasing the payment for all of their mortgagees to cover the costs of the fines imposed on them as a result of the recent scandal involving fraudulent accounts created without the knowledge or consent of their customers. I want to know whether it 's legal for Wells Fargo to transfer the financial burden it has suffered as a result of their malfeasance to their unsuspecting mortagees, and if it is not, what action I can take to remove the unwarranted increase in my monthly mortgage payment. 
I would appreciate a prompt reply to my inquiry, as my mortgage payment is due XX/XX/XXXX. 
Thank you.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My lender, Wells Fargo, has ignored my RESPA qualified written request. The request was sent to them on XXXX XXXX, 2015. Thus far they have not acknowledged nor responded to it. Under the real estate settlement procedures act, they are to acknowledge receipt of such request within 10 days and provide a response within 20 days. I have called and asked several time for a response and have not gotten anywhere. Please help!
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received my credit reports from the XXXX major agencies and on XXXX of them there are XXXX tickets totaling {$650.00} both issued in XX/XX/XXXX. I have never received any tickets during that time that I did not pay and I requested proof that they belonged to my car. The XXXX XXXX XXXX sent me XXXX pictures showing a car that was not mines. I wrote them and stated that I own a XXXX XXXX XXXX with the license plate number and requested that they remove this from my credit. They responded that the car in question was registered to me. I have never registered another car in my name other than the XXXX XXXX. They have refused to remove this from my credit and refuse to investigate the matter as they turned it over to a collection agency. 
The collection agency will not remove it because the originator refuses to correct the error on their end. 
This has to be illegal. No one is willing to prove that I do not own such a car and have never owned said car.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/2017 around XXXX XXXX PST time I contacted XXXX 's Rewards Platnum regarding my credit card. They said I had to reopen the account. Contacted XXXX and asked to sign up for an account.. BUT asked this question Do I become a plantnum member right away. Their response was Yes! 

XXXX promised I would become a Plantnum instantly if I signed up for the credit card, But after I signed up I was told I have to wait 30 days from the XXXX rewards program. 
I would not have signed up for this credit card if I knew I couldn't become a plantnum member right away. XXXX is promising services for people opening credit cards that aren't true.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several times disputing this item with your company still not removed, please remove the following XXXX XXXX XXXX - No debt owed XXXX XXXX XXXX XXXX - No verification obtainable and the company sent your agency a notice to remove see attached
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX did a hard inquiry to my credit report in XXXX XXXX and again in XXXX. When I switched my account from business XXXX to individual XXXX XXXX proceeded to do another hard inquiry on my account despite the fact that they were informed that it was the same social security number and I did not agree to a hard inquiry on my credit. They were informed that if they had to run a hard inquiry on my credit report I was going to close my account. I was assured by the customer service representative that they were not going to run my credit again. When I pulled up my credit report it appears that despite the recorded message of me NOT agreeing to another hard credit inquiry XXXX went ahead and proceeded with a hard credit inquiry. Once again I never agreed to allow XXXX to run my credit for the second time as my recorded message would indicate. I have notified XXXX on several occasions both in writing and over the phone that this is unacceptable and XXXX has done nothing to rectify the situation. I am therefore asking for your assistance in this matter as this company can not be trusted to do right by their customers.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: WELLS FARGO & COMPANY (OH)

I lost my job back on XXXX XXXX, 2015 and then on XXXX XXXX my wife and I had a baby. Knowing that we are in serious financial trouble I called one of my credit card holders, Wells Fargo, who holds my XXXX XXXX Credit Card ( Account : XXXX ) and tried to set up some type of plan to continue paying on my account, but with a lesser payment amount. I spoke to the CSR who was willing to try to help me, she kept going back and forth between her supervisor and I and eventually came back and said there is nothing she could do. I asked to speak to her supervisor and she transferred me. I then spoke with XXXX of collections and explained my financial hardship to him and he said there was nothing he could do. I just find it very upsetting that we are trying to do the right thing and make payment arrangements and they are unwilling to accept anything from us.
Consumer complaint received 2015-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (ID)

I am currently a customer with Wells Fargo, and have been with the bank for about 11 years. I previously had both an " Advangtage Checking Account '' and a " Money-Market Savings Account '' with the bank. I am also enrolled in their electronic statements system. On XXXX XXXX, 2015 I received a message via email notifying me of the following : " There are important changes coming to your Complete Advantage ( R ) Checking account that will take effect XXXX XXXX, 2015. Please sign on to view a secure message about these changes. '' I logged on only to find no relevant messages about my checking account or changes. 

Noting this email, I monitored my physical mailbox, looking for any correspondence regarding the changes. I never received any notifications in the regular US Mail. 

Earlier today, while reviewing my online banking account, I saw that there was a {$13.00} banking fee charged to my account. Further investigation showed that the account type had changed and was no longer a " Advantage Checking Account ''. I contacted Wells Fargo and was informed that my account no-longer met the requirements to be fee-free. 

I 'm writing today because I was not informed of this change, and believe that it was not fair from a consumer-standpoint to having account changes made without proper notification.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

On XXXX XXXX, 2015, I applied for a HAMP Tier 1 loan modification of my mortgage loan, which is secured by my primary residence located at XXXX XXXX XXXX, XXXX, MD XXXX. I transmitted my loan modification application on the required form " Request For Mortgage Assistance '', dated XXXX XXXX, 2015, to America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application. On XXXX XXXX, 2015, I transmitted to XXXX XXXX, together with other documents, a Hardship Affidavit, which explains the hardships which caused my default on the subject mortgage loan and my need for a HAMP Tier 1 loan modification. In its letter, dated XXXX XXXX, 2015, which rejected my loan modification application, ASC refused to disclose to me what it refers to as the " complex NPV Formula '', as stated on p. XXXX, in the Paragraph entitled " About the calculation required by the program '', which formula ASC states that it used to deny my loan modification application. In addition, ASC has refused to disclose the manner in which it applied XXXX alleged factors to the alleged NPV formula. I have requested several times in writing that ASC disclose to me the NPV Formula and the manner in which the alleged XXXX factors have been applied to the NPV Formula. As recently as XXXX XXXX, 2015, I requested by letter that ASC disclose its NPV Formula, list the information which ASC inputted into the formula and the information which ASC stated that the U.S. Treasury requires ASC to combine with ASC 's information, and the " Treasury required information '' which ASC inputted into the NPV Formula. Again, ASC has refused to disclose the NPV Formula and the manner in which information and its XXXX factors have been applied to the NPV Formula. ASc has not responded to my letter, dated XXXX XXXX, 2015, in which I again made these reasonable requests. ASC has acted in bad faith throughout this loan modification application process.
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

In XXXX, XXXX, I applied for a modification with CitiMortgage, my loan company for over 20 years. We fell behind on the payments because my husband lost his job in XXXX, XXXX due to illness and my XXXX went on hold because I had a XXXX in XXXX XXXX. After sending in multiple Profit & Loss statements, bank statements and letters of explanation over the past 9 months, CitiMortgage denied me for all of their modification programs on XXXX XXXX, XXXX. We are now XXXX payments in arrears and the repayment plan CitiMortgage offered us is double what the mortgage payment was. Me and my husband are XXXX and XXXX years old. We have lived here since XXXX. My XXXX is slowly rebuilding, but my husband is still not well. I do n't understand why it took so long to deny us this modification. We do not want to lose our home, but I do not see a way for us to catch up on these missed payments. Is there a way for you to help us? We need a lot of help right now. I have copies of information sent to CitiMortgage that they requested for the modification. We sent everything in by email and I sent everything they asked for. I do not know how to forward these emails to this page as an attachment, but there are several emails requesting duplicate information that was sent in previously. I can fax or mail in the copies I have. Please help me find a resolution to this matter as soon as possible. Thank you.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (IL)

A few months ago, I failed to receive a statement on my Sears credit card. Luckily, I remembered the payment was usually due around the XXXX, so I went by the local Sears store and made a payment. My wife was concerned about not having received a statement, so we waited XXXX weeks for the next statement showing the last payment and current balance, but it never came. My wife called them and explained she was concerned that someone could have been able to change our mailing address and could be using the card info fraudulently. Of course the could n't tell her anything since her name is n't on the account. So I called and the address was correct and they promised to send another statement, but nothing came. I have called XXXX more times and complained to the local store ( who said they hear that complaint a lot but ca n't do anything about the credit card ) and every time I have received a promise we will start receiving statements, but we have not received XXXX yet. We have missed the last XXXX statements. We could go online, but prefer to receive a statement via mail.
Consumer complaint received 2015-12-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I have a second mortgage loan ending in XXXX with Wells Fargo Bank , N.A . ( WF ). I received a letter ( attached ) on XXXX XXXX, 2015 regarding this ( in my feeling XXXX preditory loan. The letter stated " During a recent review, we ( WF ) noticed there was an error in the " Year to Date '' summary section on your billing statement. '' The letter goes on to state there is no action required by me ; however no where in the letter does Wells Fargo explain exactly what the " mistake '' was, when it occurred, the amount, etc. They state that prior to XXXX XXXX, 2015 the year to date amounts paid in " Other Charges and Fees '' and " Insurance and/or Taxes. '' There is no explanation as to what " Other Charges and Fees '' or " Insurance and/or Taxes '' are? WF does not pay any funds for insurance or taxes related to my account that is handled by the first mortgage company. They have ignored my requests in the past to give a full explanation of what " Other Charges and Fees '' are? They seem to just put whatever charges on the account and expect me not to question them when they know they are wrong. Is it legal for WF to just put charges on my account without any explanation or site insurance and taxes for the account that they are not involved with nor do they pay? In the past when I have sent correspondence to WF requesting information they have ignored my letters. I am sending the correspondence from them and my response asking for additional information in the hope that they will respond and provide me what I asked.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Back on XX/XX/2015 someone deposited bogus checks into bank of America account and then attempted to withdraw the funds. I have on multiple occasions spoken to bank of America and have gotten nowhere. If I committed fraud I want them to prove that I did.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received a call from XXXX from capital one. I returned the call and he explained to me that there might be options available for my account I explained to him I was already told that there was n't and he insisted that I be transferred over because there was options available he also left that message on my voicemail. He was not polite when I asked him about the issue and refused to give me the address to the legal department so I could send in a writ and summons from XXXX court. The court requires that the address is verified by the defendant. Also I asked him if the supervisor could give it to me and he replied there is n't any supervisor. He accused me of not cooperating with the representative XXXX after she asked me XXXX question and I answered it and she asked me the questions again which was what caused you to fall behind and I told her I was sick he accused me of not answering financial questions when she never asked. I told him if I was n't given a legal correspondence address I would file a complaint with the CFPB XXXX XXXX encouraged it and said he 'll address it when he receives it. XXXX is not trying to resolve issues with customers. If this matter is n't settled capital one will be sued for each and every call of harassment from the company. XXXX said that capital one calls when you fall behind and sends text messages. The was n't any prior authorization to text and also they called repeatedly several times a day back to back.