davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

I am currently in the process of refinancing my home mortgage, after the application process we were advised an appraiser was selected by the loan servicer it resulted in a low appraisal based on unrepresentative comparable properties used with several clerical errors cited in the appraisals were addressed to the loan officer. The loan officer with US Bank only stated that appraisals are iron clad and will not change rather than reviewing the valid errors presented or advising of any recourse for the process of a challenge. I emailed the loan officer on XXXX/XXXX/2016 a detailed appraisal challenge and ask that he submit the information to the appraisers office XXXX Since there was no response from the loan officer I made several attempts to reach him leaving voice mails on separate occasions until I made several follow up calls to his superior with messages left then the loan officer accepted my call after advising the operator that I would have to cancel my loan since there were no responses from the loan officer or his supervisor on XXXX/XXXX/2016. He began to repeat that the appraisals can not be changed yet when asked about the challenge I submitted on XXXX/XXXX/2016 he revealed he did not read the email and that he did receive it, I informed him I would like to have the information reviewed by the appraisers office and he advised he will submit it to his manager. The manager called me on XXXX/XXXX/2016 XXXX and requested XXXX XXXX for the suggested comparable properties in the appraisal challenge which was scanned and emailed XXXX/XXXX/2016. The manager then emailed asking for properties that were XXXX miles from the property with the report shows was the closest property in proximity to the subject property however all of the comparable properties used had an incorrect distance to the subject property. The XXXX suggested comps are exactly the same distance as XXXX of the properties used in the report so I requested that they be used since the appraiser used properties in the immediate area. There was no further response. I would just like a fair and accurate report.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus Equifax, XXXX, XXXX credit report And equifax sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (VA)

I bought a car and financed it XX/XX/XXXX. 
- statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. 

They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. 
they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. 

The customer service is terrible. I'm going to change the bank soon.
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Investigations : XXXX Claim # : XXXX Issue # 1 ) On Tuesday, XX/XX/2017 @ XXXX EST, a 3rd party was allowed to take money from my checking account without showing ID, no debit card, no PIN #, no security questions, and no signature. Bank teller # 2 appears to have filled out the withdrawal slip with my account number, name and amount and the 3rd party seems to have written an incomplete sentence instead of providing a signature for the withdrawal. The banks ' fraud dept. did immediately put the money back in my account upon me bringing this to their attention. The branch manager said that this crime was committed by someone within my personal circle. Issue # 2 ) Upon me filing this complaint with the bank, a CSR requested my PIN #. I informed him that that 's a security breach, he should NOT have asked me for my PIN #. He said that he needed for me to input it into the phone because he was trying to help me. I went to enter it and had to instruct him NOT to look, turn his head as I was entering it ... suspect # 3. He also sent me on a wild-goose chase at a different branck. When I ultimately landed back at his branch, he stated that it was all a mis-communication. I think he 's part of a fraud ring at that branch. Issue # 3 ) The branch manager told me that it was someone close to me in my inner-circle. When I asked her how she knew, she went silent ... suspect # 4.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they receive the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to accuracy of Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of XXXX, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (NY)

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Consumer complaint received 2016-11-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo would n't let me consolidate or reduce monthly payments as per my income. They also defaulted XXXX of my XXXX private loans I had with them despite me making partial payments. On a separate occasion I received email notification that someone tried logging in to my account and that my account had been locked. I was forced to call them to re-open it and when I told them about someone other than me trying to access my account they ignored me. Furthermore, they were harassing me for payments while in school around XXXX of 2015. I was never offered a grace period after graduation in XXXX of 2015 and they ended my in-school forbearance two months before it was scheduled. I understand that I may not receive anything for this but this should never happen to a student regardless of situation.
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

I have lived in my home for 45 years but due to inaction and incompetency on the part of my mortgage lender Chase I am in danger of my house being sold at foreclosure auction. I have spent the past 5 years attempting to resolve my issues with Chase. I am able to make a reasonable mortgage payment, but due to the failure of my business and the crashing of the economy I was not able to continue making the monthly payment after it adjusted up while my income was going down. 

Please understand that I have paid my mortgage on time for nearly 40 years. I refinanced through Washington Mutual around XXXX and they put me into an adjustable FHA government insured loan. I thought that my payment would be stable and reasonable, but I found out later that Washington Mutual misled me and my rate and payment increased over time. I had opened a clothing business in XXXX which was initially successful. Of course, the following year the economy crashed and my sales suffered. I hung on for another year but then a XXXX XXXX opened across the street and that was the beginning of the end. 

In XXXX I was struggling and could not afford to make the full monthly payment on the mortgage. I attempted to make partial payments to Chase but they would not accept them. I was told instead that I could apply for a loan modification. I began the process back in XXXX. Since that time I have spoken with Chase at LEAST 100 times on the phone, have sent them thousands of pages of paperwork but yet have never actually been reviewed for any programs. No formal completed review, no denial, just total runaround for XXXX plus years. I feel like a hamster on a wheel!!! The problem is that now they have set a sale date for XXXX XXXX and I fear I am out of options. It does not have to be like this. I receive retirement benefits as well as unemployment payments. Also my son is living with me, he is employed and contributes towards the bills. If Chase would actually take the time to review my information they would see that I can afford a reasonable payment. The problem is they have never taken the time to do so.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

Good afternoon. 
I went into the Wells Fargo Bank Branch in XXXX AZ to withdraw {$800.00} on XXXX XXXX, 2015. When I went to get a printed statement I saw that there was a withdraw for {$1800.00}, something that I do n't recall doing so. So of course I went to the teller to get further information and all they said was that their balances were not out of balance and that they were going to submit paper work to try to get the security cameras looked at the time the teller was counting off the money. So, I got the run around and just on XXXX XXXX there was a voicemail from a woman named, XXXX. She said that the cameras are not there to focus on the money being counted just on the security of the staff. I 'm not satisfied with this answer. I never withdrew {$1800.00}. I want them to physically show me through video that they actually gave me that amount of money. Their balances are not sufficient proof for me to be content with their answer. Please help!
Consumer complaint received 2016-05-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (DE)

To whom it may Concern : I am a US Veteran in a active Bankruptcy. In XXXX XXXX, I submitted a request for a payoff from my lender Wells Fargo Home Mortgage. Wells Fargo responded to my request and sent over the payoff for the mortgage. I noticed that it was interest in the amount of {$7000.00} plus. I called and asked why do I have this much interest if I am up to date on my bankruptcy payments and I am still making monthly payment on the mortgage loan? I was informed from a representative that I am past due on my mortgage since XXXX XXXX. I explained I have been paying more than required for my mortgage and need to know if the funds have been applied? The lady told me the funds have been applied and I just need to catch up on my mortgage. I explained I am confused if I am behind on my mortgage payment would n't Wells Fargo file a motion to dismiss? She said no it will just keep accurring late charges. I said that does not make sense. Then I was forward to an escalation department regarding the issue. I asked for a payment history which I was not able to receive as of this date. Senior Vice President sent me a letter regarding they are looking to resolve this issue by XXXX, XXXX. I called to find out what is the status and was advised by XXXX ( employee of Wells Fargo Escalation Team ) that they are looking to see when I started becoming late with the mortgage. I explained to XXXX that my lateness is not the issue but the interest on the payoff. I am confused with what have they done with my monthly payments I have been making in the amount of {$1900.00} per month. The reason for the payoff is to refinance my primary home and get a lower interest rate from 6.375 to 3.875. I want to pay my debts but need to understand why I am going through this dilemma. My Bankruptcy Attorney and he was not able to get an answer. I ended up in this situation of Bankruptcy because they did not complete my modification in a timely manner. I do not want to get to the end of my bankruptcy and still owe a past due balance. Can some explain where is my monthly payment going and why is the interest so high on the payoff. It seems like I am being cheated or robbed.
Consumer complaint received 2016-02-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo is reporting to the credit bureau that I have XXXX missed payments and that my account is closed??? I have paid any past due balance and my account has been current since XXXX XXXX. They are not reporting this to the credit bureaus. Also, they are stating that it is part of my bankruptcy when they were released from ( reaffirmed ) at least 4 months ago. 
Also, they are continuing to charge me PMI on my loan even though my loan started in XXXX and this was suppose to be done after 5 years. They are telling me now that my loan has to be at {$79000.00} before they will remove the PMI payment??????
Consumer complaint received 2021-01-18
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. (FL)

I am hiring a lawyer to sue Experian because the CFPB is responsible for protecting consumers rights, I have sent over 10 disputes via the CFPB to Experian for the account " XXXX XXXX XXXX ''. 

The CFPB has allowed Experian to violate my rights as a Consumer month after month in regards to Section 609 of the Fair Credit Reporting Act. I sent a dispute last month that contained new documentation including a police report, an FTC identity theft report, and a 609 letter. 

They are reporting the account as " late '', " paid '', and " charge-off '' which we know is virtually impossible for all three to occur simultaneously. How can I have a paid as agreed checking account, showing on my credit as a charge-off account, that is showing late payments?!!?
Consumer complaint received 2016-10-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

This a Notice of Default because Wells Fargo failed to respond Wells Fargo has failed to produce and respond to 5 ( Five ) Qualified Written Request and the Verified Affidavit from XXXX XXXX XXXX sent to them in 2016 regarding the issues that were found In the assignment that were sent through Consumer Financial Protection Bureau, XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, Office of Comptroller of the Currency, US Department of Justice and XXXX XXXX XXXX Furthermore, Wells Fargo has not adhered to the OCC Consent Order and has violated consumer protection laws.. Until the issues raised have been resolved indefinitely, XXXX, XXXX and XXXX XXXX and Wells Fargo, need to postponed and a cancel of the sale slated for XXXX XXXX, 2016. 
They are violating the Fair Debt Collections Practices Act I 'm enclosing the recorded Verified Affidavit from XXXX XXXX XXXX and Qualified Written Request.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

This acct is reflecting as in Dispute on my credit bureau, which I have never disputed. I need to have this dispute removed immediately. I attempted to call ASC and spoke with XXXX XXXX XXXX XXXX on XXXX/XXXX/15 @ XXXX who advised due to the age of my account no one could assist me over the phone. It is unfair that they have purged my account and no one could help. All he could advise was I needed to write in to have this taken care of, I do n't have the time to wait for them to correct their mistake. This account needs to updated according to the Fair Credit Reporting Act as it is NOT in dispute, nor has a dispute even been initiated by me.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

My complaint is about Equifax. Three times this year we have had to temporarily lift our credit freeze and all three times it was a breeze with XXXX  and XXXX XXXX. Never in the last 3 years have we managed to lift the freeze with Equifax without wasting several hours, sometimes stretching over several days, trying to use their various methods. We are a couple that share an email, and just this year were we able to determine that Equifax will not allow us to use their phone system or on line system to manage our account. They say we have to have a separate email from each of us in order to do that. They always say that does not matter, we can call them. No matter how many phone numbers we are given to reach them directly, we have to waste hours trying to use the prompts in their phone system, trying to reach a live person. Sending codes to my email, sending codes to my phone, nothing gets us into their system. They keep you on hold for 45 minutes, " accidentally '' disconnect you when you do reach someone, and are rude and using people whose first language is NOT English. If you ask for someone who does understand English, they won't transfer you. They keep insisting they can help you, while repeating everything you are saying to them, without answering your questions. Our banks and stores know this is going on, but say they are sorry, they have to pull the report from all 3 companies. How can this company continue to do this to the consumers, with the systems knowing about it.
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (KY)

I had some check free bill pays to 3 credit cards rejected by XXXX XXXX without notice. I contacted check free bill pay on XX/XX/2020 and they were very helpful and found 52 bill pays rejected and returned by XXXX XXXX ranging from {$1900.00} to {$2400.00}. These are not in question by CFBP, they were forthcoming in disclosing these. I have bill pay payment dates and amounts on 3 credit cards that were returned to CFBP and are in their system as such. 

However, CFBP wants me to go to XXXX, where the payments were made, and wait while XXXX processes these 1 at a time. I am a XXXX yr old male who had a XXXX XXXX 1 yr ago and under the circumstances i find it to be a very dangerous idea. 

Can you please have CFBP issue me a lump sum check for the funds they have that were returned by XXXX XXXX? 

Thanks, if you need the account numbers please let me know XXXX, XXXX XXXX.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Rewards — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/XXXX I opened a credit card account w/HSBC. Several of their employees told me if I charge at least {$1500.00} w/in 90 days I would get a {$150.00} cash " reward '' ( I do n't understand the difference between {$150.00} and {$150.00} 'reward ' ). I charged the {$1500.00} w/in the time frame & was told the {$150.00} would soon appear in my account. As of 30 minutes ago it had n't. I made several calls to the XXXX # -- the last time I was connected was XX/XX/XXXX when I spoke to someone who identified himself as " XXXX '' emp. # XXXX. He said the $ would be in my account in the " next few days. '' I made lots of other calls to the XXXX # since then but I 'm always on hold for long periods and whomever I speak to says I have to speak to someone else & eventually I get disconnected. I recently called my local branch -- on XXXX XXXX in XXXX, XXXX XXXX. They told me to call the XXXX # -- I told them that did n't work for me. They said I should come down to the branch. I do n't want to make the trip & I fear that wo n't work anyway. The XXXX people I spoke to at the XXXX # agreed I was entitled to the $ & said it was coming so why ca n't they just credit it to my account?