davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I have mortgage that was originally a XXXX XXXX XXXX account, then passed to Green Tree Services terrible service and even worst customer service, now the new Debt Collector Mortgage Holder is Ditech. This company is awful to make a payment over the phone takes for ever and after you are transfer to different individuals and you can finally make a payment they charge you {$19.00} fee, which I understand is illegal the State of Massachusetts where I leave. I also have problems to make my payments online because their website is does n't always allow me to make my payments. Because of their inefficient service I tried making my payments XXXX and two days ahead of the due date and recently I made my month XXXX payment on XXXX XXXX XXXX earlier, apparently they posted my payment toward the principal balance and I 've emailed them 4 times asking to adjust my payment. On XXXX XXXX I was informed by XXXX their reps. that my account was up to date and my next payment due was for XXXX XXXX. When I called this week to make my payment I was informed that I was behind missing XXXX payment, that was very frustrating and I felt helpless. I am in a bankruptcy process where I ca n't miss any payments during my 5 years plan and as of today I 've paying my mortgage in a timely manner. I was informed by their rep that an audit was being conducted on my account and the they would have an answer by XXXX XXXX. I do not trust this company, I have the names of the people I talked to, copies of my emails. They have sent XXXX letters they all say the same " we are working on your case '' ... .I appeal to your help to get this horrible company in its place and stop abusing consumers. I need a report that shows that I 'm up to date in my mortgage and that shows that my payments have been adjusted accordingly. It is so ridiculous that every time I speak with a different customer service person, each of them have a different answer : we are working on your case, we are conducting and audit, call in 7 days, call in 2 weeks. I would appreciate anything you can do to mitigate my situation.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score.

Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each indvidual whom you verified and validated the above information with, so that I may follow up accordingly. 

Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX XXXX Account # : XXXX
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I had to file bankruptcy in XXXX and have been trying to work with Wells Fargo to get a loan modification / payment reduction ever since. I have called and left messages with my name, loan number, and phone number. They have not returned my phone calls, which they say is within 48 hours and finally one of the reps told me they had closed my account in XXXX, XXXX this is XXXX, XXXX and they are intending to issue a motion to release on my home. This has not been the XXXX time Wells Fargo has done this, I will call to speak with my preservation person whom many times I had to leave a voice mail, only to find out from another rep my account had been closed. This phone tag activity has gone on since XXXX. I have sent paperwork to them on numerous occasions and have been turned down over and over again. I have shown them we do not own a business because they accused us of hiding money, because my husband did on the side handyman work to make ends meet. We had a rental house that was empty for 3 years and they even took pictures to the fact but said we could get future income. That house was foreclosed on. Wells Fargo said the investor does not allow modifications, but Wells Fargo has many programs. Wells Fargo took pictures of my home and told my insurance company that the home was vacate/unoccupied and now they want to cancel my homeowners insurance this month, XXXX XXXX. We had an electrical fire back in XXXX/XXXX/XXXX, the insurance did not cover items the City of XXXX said had to be done, it had been hard finding a contractor, but one at my church will do it. We have been living with family, friends, hotel and at the church apartment now. My husband became ill in XXXX, XXXX, has not worked since. He had XXXX in XXXX, XXXX, XXXX in XXXX, XXXX and his company XXXX XXXX, XXXX. I am XXXX years old, working, I owe more on my house than it is worth, all I want is an affordable mortgage
Consumer complaint received 2016-04-01
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Overdraft Protection from Savings account plan states that it will transfer funds to cover items when the available balance is less than the amount necessary to cover the items, however, they are executing a funds transfer and charging a fee every time the balance is lower than {$20.00} even when there are no items pending that will take the balance into a negative balance. They are charging the consumer a transfer fee just because they have a low balance and not just to cover items that will send the account into overdraft. They are fraudulently charging these fees for overdraft protection from a savings account.
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (NY)

I took out large loans to cover my total tuition expenses for college, as my parents were not in a financial situation that could offer much help. 
6 months after graduating with my XXXX in 2013, I was contacted by Wells Fargo to begin my repayment plan. They asked me to pay $ XXXX/month. When I was baffled and confused, the only comments from reps I was met with was " well, do n't you work full time? You knew you were going to have to make these payments? Your parents ca n't help you at all? '' It has been a constant struggle. It 's an astronimical payment for anyone to make, let alone a young person just getting started in their XXXX 's. When I applied to get them consolidated, I was declined because of my low credit score..which is low because I have a difficult time making their payments AND having money to live each month. They wo n't work with me at all, and seem to think it 's perfectly acceptable to ask a XXXX year old to make {$1300.00} payments each month. On top of my rent, and bills. I ca n't make ends meet and I do n't know what else to do. I even offered to make {$800.00} or {$900.00} payments each month, I just can not to the {$1300.00} each month, and they were n't satisfied with those numbers either, which is still incredibly high compared to most student loan payments. I 'm stuck and do n't know what else to do. I am not trying to get out of making my payments, but I ca n't live and pay that extreme amount each month. I do n't know anyone at any age that could swing that payment on top of their regular monthly expenses. Please help.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

We have a mortgage with Nationstar that expires XXXX XXXX, XXXX. The loan originated with XXXX XXXX XXXX and is a conventional fixed rate simple interest loan. Nationstar is claiming that we have a balloon payment of approximately {$13000.00} due on the loan. I filed an earlier complaint # XXXX that contained the loan agreement and the modified loan agreement. In order to resolve this issue, it is important that Nationstar provide a complete payment application history all the way back to XXXX XXXX. I personally requested this payment history, and Nationstar said they would be providing it to CFPB by XXXX XXXX which I thought was in relation to the earlier complaint. However, since that complaint has been closed, I am officially requesting that information in this complaint.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (KY)

PayPal charged a credit account I was unaware I had to complete a purchase. When I called PayPal I was told it was my default even though I had other options set up to pay wth them. I 'm confused why I have to use credit and pay interest when I have other options available. They are supposed to be helping for our security not charging credit accounts for no reason to turn a profit. The customer service rep ( XXXX ) and her manager ( XXXX ) were very rude an inconsiderate and played hardball like it was my fault. A total joke of customer service, is that how PayPal operates? Charge customers and then bully them when they inquire. I was very disappointed in a company I trusted a lot, I will no longer advise people to use their services this is abusive and potentially dangerous to many young users like myself. PayPal apparently set this account up for me when I was barely over XXXX. I had no paperwork clearly disclosing anything and could not even tell you the interest rate I am going to be charged. I thought all companies now we 're required to disclose this information prior to any accounts being issued. This is very irresponsible and needs to be addressed immediately.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Requested to have PMI removed from Wells Fargo when the LTV was below 80 %. Home was purchased in XXXX and appraised for $ XXXX. Requested to remove PMI in XXXX and an appraisal was requested. Appraisal came in with a value of $ XXXX considerably lower than purchase date. Appraiser did not use appropriate comparables and valued the home well under the neighborhood value. After much debate with Wells Fargo, we requested another appraisal to remove the PMI which took place in XXXX. Wells Fargo had the same appraiser come out to evaluate our home. This time, the apppraiser valued our home $ XXXX. We provided the appraiser with appropriate comparables, XXXX being our immediate neighbor and neither comparable was used. I feel as though were being misrepresented by Wells Fargo as they chose the same appraiser twice, even when we requested a different appraiser. After we were denied our requests with Wells Fargo we were forced to refinance with another company. We refinanced with another company on XXXX and our home was appraised for $ XXXX. We had paid months of PMI payments that were not needed and a second appraisal fee.
Consumer complaint received 2015-07-07
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Windham Professionals, Inc. (CA)

Hello, My friends ' parents have repeatedly received calls from a caller who would not identify his employer, he said he was calling from the US dept. of Education about a loan in default ( all my loans are current as confirmed by XXXX an hour ago ) Caller : XXXX XXXXPhone : XXXX, XXXX have never resided at this address or provided my friends ' parents ' phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number I do n't even know. 

When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I provided my full social security number. I do not in fact owe them a debt as my loan is current and serviced by XXXX ; when I spoke with XXXX they indicated that they never authorize 3rd party collection calls and not to ever provide my social security number.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WI)

I SUBMITTED MY REQUESTS TO XXXX AND EXPERIAN USING THE ANNUAL CREDIT REPORT REQUEST WEB SITE. BOTH SITES HAVE REJECTED MY ELECTRONIC REQUEST. EXPERIAN STATING A CONDITION EXISTS THAT PREVENTS THEM FROM ACCEPTING MY REQUEST AND TO MAKE MY REQUEST BY MAIL. XXXX HAS REFUSED MY ELECTRONIC REQUEST FOR YEARS. I COMPLAINED ( XXXX ) A YEAR AGO AND RECEIVED THE XXXX CREDIT REPORT DATED XXXX XXXX, 2015. I DO NOT UNDERSTAND WHY I CAN NOT DO SO ELECTRONICALLY. IF THERE IS SOME SORT OF ERROR IN THE FILE PREVENTING ME FROM OBTAINING THE REPORT, I HAVE NEVER BEEN GIVEN AN OPPORTUNITY TO CORRECT IT. I PREFER TO MAKE MY REQUEST ELECTRONICALLY USING AN ENCRYPTED WEB SITE RATHER THAN SEND MY PRIVATE INFORMATION THROUGH THE MAIL. MY REQUEST IS TO RESOLVE THE MATTER AND BE ABLE TO REQUEST MY REPORTS ELECTRONICALLY.
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Gentlemen, On XX/XX/XXXX I opened a checking acct with CHASE BANK for my DIRECT DEPOSIT OF MY PAYCHECK. CHASE BANK sent me a promotion that I will receive a {$300.00} bonus after my first direct deposit. 
I have had XXXX direct deposits thus far and when I called CHASE they said that these deposits were not DIRECT DEPOSITS but XXXX. Maybe I am not understanding this but I did not receive the checks and then deposit, they were electronically sent to my acct. They denied me the {$300.00} bonus, another scam by Big Banks. 

Your attention to this matter is greatly appreciated. 

Thanks you XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

After having my XXXX credit card number stolen ( attempt to charge online fraudulently on XX/XX/XXXX ), I closed my account and received a new card number. On XX/XX/2016, I pulled my credit report and saw an incorrect ( fraudulent ) address listed and a XXXX credit inquiry filed on XX/XX/2016. I disputed the fraudulent address with Experian, placed a fraud alert on my credit file, and contacted XXXX that an account in my name but new address was fraudulent which they then denied. The incorrect/fraudulent address ( XXXX, XXXX OHIO XXXX ) is a homeless shelter called " The XXXX ''. I want to file a police report re : this fraud. I am now concerned about how much of my personal information has been compromised and am concerned about the extent of my identify theft and safety of my credit file.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (RI)

It 's disappointing to see the government complete business with an organization that has these alleged complaints. The ambitions of individuals pursuing educational opportunities is being toyed with by an organization that seeks greed. I 've paid close attention to my student loan account with regard to processing payment times, and also how the company did not return calls that I 've made to ask questions. Basically I 've seen the account holder take 3,4,5 business days to process payments I 've made on my loans. Meanwhile, more interest accrued on the principle that subsequently led to a higher repayment amount. Unfortunately I can not total all the extra cash that has been taken from my wallet because of the delayed processing times.The irony with this whole navient lawsuit coming out is that all the issues that I 've experienced with the company were resolved less than 24 hours after the story broke on national news. Processing payment times have reduced from the 3,4,5 days to 1-2 days maximum. Best thing, in a short while I will have my 30 year loan paid in 4-5 years and I will not have to do business with a company that reminds me of certain other companies that have sought excessive financial gain on unsuspecting consumers.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has sold out to the Merchants!

Beware as they are no longer protecting the cardholders!!!! 
They used to be Great! 
Im a senior with a serious XXXX XXXX and this situation where the dentist is trying to keep my deposit is very stressful and wrong. 
Seems American Express is helping him steal my money .My friend works for the XXXX  XXXX and will be submitting my story to be published so that people are aware how American Express has changed and deteriorated. 
I have been defrauded by a Dentist and for five months they have done nothing except are trying to charge me back for services never received and Ive already paid super inflated charges by a fraudulent Dentist for the couple of services he did. 
They have evidence from 2 Reports from 2 reputable dentists and Amex is ignoring it. Amex has now outsourced the Dispute dept and its a disaster.

You end up talking to twenty different people who dont understand and can do nothing! 
On top of it My cardholder agreement gives me the right to Dispute a charge but they are denying me this right which is illegal a lawyer told me!! 
On top of it this nightmare been going on since XX/XX/2022 almost 5 months. 
My lawyer wants me to sue them. 
Consumer Financial Protection needs to investigate their unethical tactics and my breach of contract by Amex for not allowing me my right to Dispute. I have it recorded as they denied me 5 times even though they know its in my agreement. 
They have forgotten who pays them as Ive been an excellent customer of Amex over 32 years and have received no appreciation or loyalty from them. 
They sold out as I guess they figure there is more money siding with fraudulent Merchants. 
You can publish this.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

The NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on my credit report!
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I found the promotions at the Citibank website. Earn {$700.00} when you open a new Citi Priority Account and complete the following requirements : With 20 days of opening the account, deposit {$50000.00} new-to-Citibank funds. 
Maintain a minimum balance of {$50000.00} for 60 days from 21 days after opening the account. 
I opened the account on XX/XX/XXXX, deposited {$50000.00} on XX/XX/XXXX and maintained the balance until XX/XX/XXXX. However, I did not get the bonus of {$700.00}. 

On XX/XX/XXXX, I contacted the online customer service staff, who confirmed my qualification for the bonus of {$700.00}. A dispute case with the number of XXXX was set up for the investigation because the value is over {$250.00}. 

On XX/XX/XXXX, the Citibank investigation team responded to me that they are not aware of any promotions offered in conjunction with the opening of my account and can do nothing unless I provide a copy of the promotional documentation. 

The promotions in XXXX were deleted from the Citibank website and replaced by the promotions in XXXX with similar terms. However, the XXXX Citibank promotions were recorded by other financial websites such as XXXX of XXXX, which is still reporting XXXX Citibank promotions. The report by XXXX XXXX on XX/XX/XXXX about XXXX Citibank promotions at the website of XXXX of XXXX received more than 5000 comments. Many comments were about the date of the deposit and bonus. In addition, the Citibank online customer service staff approved my qualification for the bonus of {$700.00}.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX