davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-14
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

Previously I filed a complaint through the offices of Senator XXXX XXXX, Senator XXXX XXXX and Congressman XXXX XXXX about the Wells Fargo Bank withholding {$5200.00} as a servicing set-aside from a reverse mortgage that my wife and I entered into with them in XXXX. It is my understanding from your documentation that Servicing Set-aside 's are intended to pay for any needed repairs to the home, taxes and /or insurance that I do not pay myself. Wells Fargo has never brought to my attention any repairs that my home required, nor has it paid for any repairs, taxes or insurance, thus I believe that amount is subject to be returned to me at this time, as I have fully repaid the full amount borrowed, plus interest and fee 's. 
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX, XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo, I HAVE NOT, and it is now XXXX XXXX, XXXX. I am further concerned that you allow Wells Fargo to just provide a " Stock Answer '' to complaints " we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review, never do the give the details of what they found that allows them to disregard your issues with them, never do the even address the issues that were presented to them. They simply say that the complaintant is wrong, and you accept that as accurate. I must ask, do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo, I wish you to tell me just who you will foist my complaint against you off on?
Consumer complaint received 2015-10-07
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Mortgage has provided property insurance on my mom 's home ( She has a reverse mortgage with Wells Fargo. She has been unable to obtain property insurance on her own so she had no choice but to accept the property insurance provided by Wells Fargo. A re-payment installment agreement was made to re-pay Wells Fargo for the property insurace provided. My mom makes monthly payments on this. The problem is that every single month, Wells Fargo collections calls her to " verify '' information. These calls are made every single month, even though she has never missed a payment. I view this as abusive since there should be no need to call her every single month on an account that is up-to-date.
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CT)

I recently received a XXXX form for tax year XXXX from Wells Fargo indicating that I had been charged for mortgage insurance and real estate taxes. This form is for a house I no longer own. Its foreclosure was recorded XX/XX/XXXX, in Volume XXXX, Page XXXX of the Town Clerk 's Land Records in XXXX, Connecticut. 

The XXXX indicates that I paid {$1900.00} in real estate taxes to the Town of XXXX for this property, which I did not. It also claims that I paid {$840.00} in mortgage insurance premiums for this property, which I did not. 

For over a year, Wells Fargo continually invoiced me for homeowner 's insurance on this house. They only stopped when I filed a complaint here. That complaint number was XXXX. 

I am concerned that the filing of this XXXX with the IRS may create difficulty and confusion for the IRS when I file my XXXX taxes. More importantly, though, Wells Fargo, after repeated requests on my part for the organization to cease all contact with me, after my specifically informing their representative last time ( from Case XXXX ) that I considered such continued contact to be both detrimental and abusive considering the personal difficulty that was my foreclosure experience, will not cease its continuing harassment of me regarding this property. Chapter XXXX bankruptcy has discharged all financial obligations I had regarding this property, and the XXXX XXXX Superior Court sustained an objection by my attorney to Wells Fargo 's motion for deficiency judgment, which had the effect of ending Wells Fargo 's pursuit of deficiency judgment against me. 

In addition to having Wells Fargo send a correction to the IRS noting that its filing of a XXXX on my behalf was an error, I want Wells Fargo to never, ever contact me, for the rest of my existence on this Earth, regarding any matter whatsoever, but especially regarding this property. I have utter disgust for this organization for its continued haranguing of me regarding this matter, which according to the law, thanks to bankruptcy protections and the end of foreclosure proceedings, I should not have to endure.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

This is not a duplicate complaint. I am refiling this because I gave the wrong account number in my previous complaint and Well Fargo was unable to respond. 

I went 60 days late with my Wells Fargo mortgage on XXXX XXXX, XXXX. When I tried to make a payment online on or about XXXX XXXX, I could not log on to my WF Mortgage account. On or about XXXX XXXX, I received a Notice of Acceleration stating the entire mortgage balance was now due. I contacted WFM and after several discussions with several different people, I was told they could not help me and I was referred to their Home Preservation Unit. On XXXX XXXX, XXXX, they stated they may be able to help and I filled out the required forms and provided the supporting documents requested. 

On or about XXXX XXXX, XXXX I received a notice stating my home would be auctioned on the county courthouse steps on XXXX XXXX, XXXX. I contacted WFM XXXX XXXX unit several times and never got any answers, only to keep waiting for them to get back to me. In late XXXX I hired an attorney. After several attempts to discuss the issue with WFM, he got frustrated and said we needed to file suit. On XXXX XXXX, XXXX, 3 days before the planned sale, WFM advised they were unable to help me and my house would be sold. We filed suit on XXXX XXXX, XXXX and were granted a XXXX. 

At that point my lawyer was finally put in touch with their lawyers and discussions were more fruitful. In early XXXX WF lawyers proposed a final settlement that required we pay all past due payments, their legal fees, and that I would have to add escrow to my loan. They were to remove all reports of foreclosure to all credit reporting agencies. 

We paid the amount and everything seemed ok. We only owed about {$62000.00} on a {$110000.00} loan on a home valued at over {$300000.00}. Had I been upside down on the house it is doubtful WFM would have taken the actions that they did. We eventually sold the house in XXXX and paid off the mortgage. 

Now in XXXX, I am trying to get a new mortgage for a very modest home to be built on rural property we purchased with the sale proceeds. However WF is reporting that my account went 60, 90, and 120 days past due beginning in XXXX of XXXX, during the time they would not accept any payment, only the accelerated amount, and were reviewing my application for assistance. I do n't believe it is fair to report these amounts when I could not have made a payment and was waiting for them to decide whether they would provide a modification or other workout. I contacted all XXXX reporting agencies about this and they merely contacted WFM and was told the reporting was correct.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WI)

In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances.
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (OH)

This Number calls and says they have a pending legal matter in there office that is being processed and would be served to me if no response. They fail to mention this is a attempt to collect a debt and threating charges to be filed against me. They called my parents house and spoke with them telling them that charges are gon na be filled in there office if I do n't pay or contact them. Now they started calling my number asking for a different person. I assume this is a tactic to get me to call back to be taken off there list then ask well what is your name. XXXX is the number they tell me to call back to but they are calling from a local number.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: NAVY FEDERAL CREDIT UNION (MN)

Navy Federal Credit Union made a mistake on my new credit card. They mistakenly charged a finance fee on my new credit card account which put me over the credit limit by a few dollars. They did not inform me of the fee while the transfer was being made on the phone, the fee of a few dollars could have been taken from my other account to prevent this problem from Due to poor customer service, lack of training on the agents part, and complete lack of effort on their part, I ended up with no option except to file a complaint to resolve this issue when the bank could have done it themselves. Because of these reasons, an overage on the credit card was reported to the credit bureau. 

After multiple conversations with the bank they admitted to the mistake but said that it was passed their time limit and refused to make the reversal. I want this bad mark removed from my credit reports.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I have been threatened by my bank of over 40 years by a XXXX . XXXX XXXX of Wells Fargo of XXXX XXXX. I have never cause any issues but the manager stated he will not give me any further monies back from a bank error. attached is one of many communications between myself and Wells Fargo. 
This bank has sent me a credit card every week for months and one they gave me I objected to in order to get a spending card ( a prepaid card for online purchases ) which I required. Then the very next month they took out {$4500.00} via all my checking account money and some overdraft money! Then it took them 1 year and two weeks to pay me back. Even as the manager stated in XXXX, XXXX " Shame shame on us '' this is a very bad mistake. I sent out a letter to the bank executives here in XXXX XXXXXXXXXXXX Branch Manager XXXXXXXXXXXX District Manager XXXXXXXXXXXX Area President XXXXXXXXXXXX Lead Region President XXXXXXXXXXXX XXXX Vice President Community Banking XXXXXXXXXXXX Chairman & CEO and they assisted in this matter and stated thanks for being patience but then a new manager XXXX as mentioned earlier stated that I must never return to the XXXX branch and that that 's all the money he or the bank would pay me for the mishap. Then my home loan was taken from XXXX approx. a month to XXXX a month for the remainder of the loan. The home was purchase and loaned on by wells fargo in XXXX and in 16 years only XXXX was every paid off and we made some double payments in XXXX while we were there in XXXX to XXXX This has been and is only getting worse with Wells Fargo and I have been a customer since XXXX 's to today almost 40years. thereabouts Please would someone help advise us? Would like advise for checking- home loan and missing income. 
XXXX XXXX XXXX XXXX Vet XXXX
Consumer complaint received 2022-09-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

Capital One has a rewards system on the card that I use with them. Because I am in an XXXX, I was not able to use my rewards feature. I asked them to change my Billing Address at the end of XXXX XXXX. In error they also changed my mailing address which caused me to never receive my billing statement. I noticed the absence of a Bill and signed up and logged into the online service on XXXX XXXX XXXX and noticed the issue. I immediately brought the account current and explained the situation to Capital One. Capital One has fixed my address and reversed the late fee but they never removed the discrepancy from my credit report to no fault of my own as they sent my billing statements to my home of record which all mail will be returned to them. They never called to inform of the problems they where having sending mail to my home of record. It is not my fault that I did n't pay when I never received a bill after they changed my mailing address in error so the late payment should not exist on my credit report.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My capital one credit card ( ending in XXXX ) statement balance was due on XXXX/XXXX/15. I paid on XXXX/XXXX/15 - 6 days late. Capital One is now reporting to the credit bureaus that I was 30 days late with the XXXX 2015 payment. This is cruel business practice. They refunded the late charge but refuse to adjust their reporting to the XXXX bureaus. I am applying for a mortgage and this is hurting my changes of obtaining one.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have located an incorrect late payment from Capital One Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. Capital one is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I realized my identity was stolen when I received a notification on my phone from Chase bank regarding a withdrawal from my checking account. After a closer look at the account, I found a lot more fraudulent activities span from XX/XX/XXXX to XX/XX/XXXX. There were five fraudulent withdrawals from various Chase bank locations in the total amount of {$15000.00}. 

I was shocked at how easy it was for the fraudsters to walk into a national bank and just take money out of my bank account. Almost immediately after the discovery, an identity theft report with Chase and a grand larceny police report were filed. 

After a couple weeks of painstaking communications with Chase bank, I was partially reimbursed {$11000.00} on XX/XX/XXXX. I went to my branch to request a withdrawal all of my funds and close the account. A supervisor on site told me that my account as frozen at the moment and refused my request. " There's no need to close it, you can continue to make deposits and make withdrawals after account unfreezes '' as the supervisor explained. I trusted his words, but that was a mistake. 

On XX/XX/XXXX {$20000.00} was fraudulently withdrew from the same checking account that I was denied access a couple weeks back. And a {$3300.00} fraudulent purchase was made at XXXX XXXX with my debit card information. How is this possible? I was speechless at what was unfolding in front of my eyes. After I notified the authorities and Chase Bank of identity theft, Chase still let criminals walk into their branch and just take money out? After everything that has been reported and verified by their fraud department? 

I had to dispute again and close my account for good. However, this time Chase refused to admit their incompetence and flaw of the banking system that caused this mess. They denied a full reimbursement of the money stolen and sent me a {$3300.00} check before cut off all communication regarding this case. Chase still owes me {$21000.00} and I think they are keeping that money.