davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that a modification on my mortgage was approved several years ago as I was going through a divorce, the mortgage servicer maintains a continuous 180-day late payment history. The same credit rating states PAYS AS AGREED. This is highly discriminatory. I am a professional XXXX American woman and I find this type of credit reporting to be racially biased and I have XXXX chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX, I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
Consumer complaint received 2016-09-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MN)

We have a loan with Seterus, the lender. They changed terms XX/XX/XXXX but mailed the notifications to the wrong address. On XX/XX/XXXX we where main aware of this change. We continued to pay the the prior amount until they got us the documents. By the time they did get us the documents it was also on our credit report. We have been working with XXXX since this time and continue to pay the prior agreement until they fix the issue they caused. They have acknowledge they made the mistake with sending documents to wrong address and still XX/XX/XXXX continued to send documents to wrong address and call us to verify address but had the wrong one. XX/XX/XXXX I spoke with XXXX XXXX, in the dept of Consumer and Government Affairs at Seterus several times via phone and letters. During one of these calls confirmed they made the 1st mistake and would removed the late fees and reporting to credit reports. During follow up he changed his tone and they only removed up to XX/XX/XXXX when they finally got the documents to me. My point to him is at that time I told Seterus weekly that I would pay the new amount but they first needed to send me confirmation they where removed the issue from credit report and late fees. Because they would n't acknowledge their mistake until a year later, this issues has continued on. During the last 18 months I have received more calls then I can count were the Seterus rep. agreed with me that the issue was theirs. I have send some of the details of these calls to them.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. 
I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (MA)

I purchased furniture through XXXX. It totaled XXXX. I was asked if I wanted 12 months financing at 0 % interest. I agreed. I made all payments on time. At the end of 12 months I had a balance. The Wells Fargo credit card did not bill me XXXX/month, which, when I calculate it, should have paid off the entire balance in 12 months. Instead they only billed me XXXX/month. Now I receive a bill for XXXX which includes interest of XXXX which is more than XXXX % of the balance. If I was informed at the time of purchase that the 0 % interest was deferred and that I had to make higher payments this past 12 months to pay off the balance in 12 months, I would have. There interest rate after 12 months is 28.24 %. I am now subjected to pay this full amount. I have a XXXX credit rating and could have paid this off in full to begin with and have several credits cards with lower interest. I was mislead by XXXX and Wells Fargo and believe that these fees are fraudulent. This should have been explained to me up front.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Better Mortgage, Inc. (CA)

I applied for a mortgage refi. They sent a pre-approval letter. i was an afternoon sending them the multitude of documents they require only to get an e-mail saying the loan is denied. One of the reasons for the denial was what they claim was too low a credit score. They use some bargain basement credit company in XXXX XXXX called XXXX. XXXX said my credit score was XXXX, i checked my credit score with XXXX and XXXX and it was XXXX and XXXX. It might have been higher but for the hard lit caused by XXXX. They also claimed my loan to equity ratio was too low, the loan was {$240000.00} and the house is probably worth over {$380000.00} with the improvements. Curiously, they wanted my to grant them access to my bank acct, maybe this is just an elaborate scam.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank charged {$600.00} in interest for a payment that they received on the exact day and charged our interest for 18 months without our knowledge. This was for an escrow correction, so the check was sent in the mail instead of being sent electronically like it usually was. They acknowledge that the check was received on the due date. They never issued a statement in that 18 months and would have continued to defraud us forever without informing us. They did this all despite the fact that there was more than enough money in the account to cover it the entire time. They have refused to remove the charge. The employee we spoke to was XXXX XXXX. We complained to the bank and XXXX from the Office XXXX contacted us, said they would respond within 2 days and never did. We followed up and she actually asked why we were bothering her if we knew they were n't going to fix the issue.
Consumer complaint received 2016-11-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

The collector " XXXX '' who was working on behalf of Wakefield and Associates, contacted me looking for my spouse. Without offering my name he then asked if I was " XXXX XXXX ''. I merely had to say yes. He then provided me my address and before I could even agree to any more than being XXXX XXXX, he began to explain who he was and why he was calling. He provided the debt amounts and the different institutions the were with as well as the dates they were incurred. I did not have to provide any information of my own to confirm my identity. Merely say yes to everything provided to me. I than asked for a supervisor. Once on the phone with the supervisor " XXXX '', I explained the scenario and the supervisor took no interest in the violation. At that point they proceeded to attempt to collect on the debt. I asked what they would be doing in regards to the violation they stated they could not take action until they listened to the recording. I simply had to verify a street name, not even an address with the supervisor to confirm that I was who I said I was. I was even provided the street name. I asked them if there was any further information they needed to verify my identity " XXXX stated that street name was all they needed. XXXX asked if I wanted them to listen to my recording and then they could contact me back, to which I agreed.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo foreclosed on my home on XXXX/XXXX/XXXX. The foreclosure was performed by XXXX XXXX XXXX a Trustee who went out of business in XXXX, this action was followed by the foreclosure attorney 's XXXX XXXX XXXX closing their office. However, Wells Fargo foreclosure department is still providing a non working telephone number for XXXX XXXX XXXX ( XXXX XXXX XXXX, this number was given to me when I called to request a rescission of my foreclosure. We applied numerous times for a loan modification with Wells Fargo Bank without any results. Months would go by without any response from Wells Fargo wherein, we would submit another application for a loan modification. Both my wife and I have never spoke with our Point of Contact XXXX XXXX despite numerous messages left for him in response to the letters we received from Wells Fargo Bank. We received a one XXXX 1 XXXX year loan modification from Wachovia in XXXX, for {$2100.00}. However, Wells Fargo did not accept the previous loan modification nor did they offer us any alternative as evidenced by their application of our mortgage payments. WFB sent a Notice of Intent to foreclose dated XXXX XXXX, XXXX, despite having received a mortgage payment in XXXX XXXX, and applying XXXX payment out of the unapplied funds. Throughout the loan modification process we do n't remember receiving a formal denial letter from Wells Fargo Bank. We have formally requested a rescission of the foreclosure executed on XXXX/XXXX/XXXX, however, Wells Fargo has responded that they could not do anything because the foreclosure was held on XXXX XXXX, XXXX? We have included a postponement notice which states that the foreclosure sale will be held on XXXX XXXX, XXXX. As a former Wachovia Mortgage borrowers and has XXXX members we were entitled to receive notice of the Class Action which we did not, and Wells Fargo was required to review our loan for XXXX as our loan amount was eligible for XXXX XXXX XXXX. All we received was the runaround and non communication from Wells Fargo Bank, till this day, we have no idea who the investor is or if the Trustee 's California location was open or functional at the time of the foreclosure. Please review WFB letters to us none of them make reference to our loan modification being denied on a specific date, this confirms the fact that we never received a formal denial.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Mortgage has failed to provide one point of contact to assist in resolving issues. There is at least one cleared payment that has never been recorded for primary mortgage XXXX, now changed to acc. # XXXX. Documentation was presented to prior representative that responded to my prior complaint with the CFPB. Repeated requests to correct and credit this payment and additional fees have failed. In addition, XXXX mortgage account # XXXX, now changed to acct. # XXXX, is not properly applying my payments. According to XX/XX/XXXX statement, payment dated XX/XX/XXXX is being held as " unapplied '' ; the balance does not reflect the payment. This misapplied payment on the account, formerly # XXXX, is repeating the previous situation where all payments were misapplied during XX/XX/XXXX/XX/XX/XXXX. There is no reason or excuse for not applying payments received.
Consumer complaint received 2016-02-17
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WI)

TRIED TO CASH A CD WHICH HAS A CONTINUAL 6 MONTH ROLL OVER. THE ORIGINAL CD WAS ISSUED BY XXXX XXXX AS PER THE COPY. THAT BANK WAS TAKEN OVER BY WACOVIA THEN WELLS FARGO. WELLS FARGO DENIES ANY RESPONSILITY AS IT IS MORE THAN 7 YEARS AND THEY DO NOT SEEM TO GO TO THE ARCHIVES TO CHECK IT OR TO PAY IT. 
TOO BIG TO BE BOTHERED?
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

Hi, This is in reference to a previous CFPB complaint : XXXX Submitted to the CFPB on XX/XX/year> It has been over 90 days as advised in the previous complaint, and I still do not have the {$410.00} bonus credited to my XXXX account. 

Also, here is my response to the previous CFPB complaint : The response states " The typical timeline to receive the external promotional bonus is 90 days '' Yes, the typical timeline may be 90 days. But on this particular promotion, in the terms, it states : " Allow up to 70 days from the date of the first payroll direct deposit into your Chime account. After the 70-day period has elapsed, if you still have not received your reward, please contact our Help Center promptly and provide proof of your qualifying activity. '' They also state " Please contact XXXX to confirm when your reward points will be posted to your account. '' But I did already contact XXXX, and they denied the cashback. That's why I'm submitting this complaint. 

I am requesting Chime to contact XXXX, their third-party affiliate partner- and let them know I qualified for the offer and I am entitled to the {$410.00} promotional reward. That way I can be credited, as Chime already confirmed I met the requirements in the previous CFPB complaint. 

Thank you so much for your time and help. 
XXXX
Consumer complaint received 2016-06-23
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

We accepted an offer on our home with a buyer pre-approved by Chase mortgage. Chase delayed and delayed the closing several times saying that they needed additional information, that the loan was in for review and needed more time. Several times we were told that they would have the documents ready for the buyers to close on a specific date and they failed to follow through. We pushed our closing on our new home 3 times and had to extend our rate lock three times all based on lies from them that the loan would be approved, yet in the end it was n't because they did n't perform their most basic of due diligence on their loan. They eventually denied the loan because they could not verify our buyers income, one of the very first things they should have verified.
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I applied for a loan modification through Wellsfargo in 2014. Ileft several messages with them including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. Wellsfargo will not acknowledge receipt of my request for mortgage assistance. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. The package has been also been sent several times. I have also been making my payments but Fargorefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because my mortgage company refuses to communicate with me.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

My complaint is with Equifax. I tried to go online and get my free credit report, and when I tried to enter the code at the bottom, it told me each time ( 3 times ) that I had entered it incorrectly. Then it told me that I needed to request my annual credit report by mail. I called Equifax at XXXX-customer service. I could get it if I signed up for their program that costs XXXX. I told them that I was not going to pay for something that I am entitled to get for free. I then requested that they send me a hard copy. They told me that there was no way that I could get it online. They being representatives XXXX and XXXX. I went ahead and requested to have my report sent to me in the mail. They said it would take a week. This is just wrong! I should be able to get it for free and online like I did for XXXX and XXXX. I had no problem with them. It should also be noted that I also tried to go online and request my free credit report a month ago, and I could not get it either.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (MD)

I had a vehicle financed through this company that was deemed a total loss back in XXXX of XXXX. This company received a payment from XXXX in XXXX of XXXX for the amount of {$13000.00}, and another payment from the GAP company for {$750.00}. We then agreed to settle the remaining balance for {$1200.00} which I paid in XXXX of XXXX. This account is still reporting on my credit and I am not able to obtain any sort of credit due to this account still reporting a balance of over {$17000.00}. I have contacted this company numerous times and still no update.
Consumer complaint received 2016-12-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo XXXX XXXX x XXXX. - {$130000.00}. XXXX {$69000.00} XXXX XXXX x XXXX. - {$99000.00}. {$23000.00} XXXX XXXX x XXXX - {$65000.00}. {$110000.00} {$200000.00} PAID + {$53000.00}????? 
{$260000.00}! 

WHAT WAS THIS?. WHEN DID I SIGN THIS? Was this the 'second first XXXX loan released in both XXXX and XXXX??? 

To the CFPB. this was on YOUR watch. 
HOW did Wells Fargo STEAL my property? 
Wells Fargo took my duplex for money I DID NOT GET! did not save.and $ XXXX.i paid. 
And Probably the money I just paid on a loan modification on my HOUSE! 

Why is this OKAY?
Consumer complaint received 2016-05-02
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MI)

In 2005, XXXX XXXX received an advertisement from Wells Fargo Bank offering her a chance to participate in a " Special Government Program '' which allowed her tax-free money, " plus you wo n't have to make a payment for as long as you live in an own your home ''. She was left with misimpressions about the product. She was confused about the reverse mortgage being a loan, left with a false impression that it was a government benefit that would allow her to stay in her home for the rest of her life. The ad was incomplete/and or contained inaccurate information.
Consumer complaint received 2015-11-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo failed to resolve ny prior complaint XXXX, failed to update my contact info, failed to provide statements as rewuested, continue to make harrassing calls to my ex husband, fail to post multiple same-month payments correctly.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (MO)

We use our Wells Fargo Credit Card monthly and pay off monthly. In XXXX I paid half of the full amount that would be due XXXX XXXX and intended to pay the rest before the XXXX XXXX due date so as not to incur interest charges. My husband did n't know I only paid half and continued using the card for his business purchases. On XXXX his business purchase put us over the credit limit by {$72.00} which they told me is a courtesy. I understand, that 's great so as not to cause embarrassment, etc. But the company allowed NINE more days and XXXX more transactions to occur, putting the account at {$1200.00} over the limit!!! We receive NO PHONE CALL, NO LETTER, NO NOTICE, NO EMAIL, NOTHING and they closed the acct on XXXX/XXXX/16. On XXXX/XXXX/16 I paid the other half of the remaining balance for the 30 day charging window, bringing our balance to zero for that payment period. The remaining balance will be due XXXX/XXXX/16 and is under the credit limit. Under the terms and agreements for this card, no where does it state that they will close the account if it goes over the limit. Wells Fargo DID NOT notify us as they stated they did in a letter they mailed out on XXXX/XXXX/16, the same day they closed our account. We received the letter on XXXX/XXXX/16. How can a credit card company allow transactions to occur when the card goes over the limit!? Every card we have ever had, does not allow you to go over repeatedly once a transaction puts you over the limit. It declines further transactions. Wells Fargo Bank NA does not do business well, and they do not return phone calls. I have left XXXX messages on XXXX of the main managers voicemail who would handle this. No one calls me back. I will never EVER do business with Wells Fargo again. How ironic that we have never had any problems like this until after our Wells Fargo Home Mortgage loan was paid in full and all we had left with their company was this credit card. They are deceitful and do not communicate well with their account holders. XXXX XXXX XXXX BANK IS THE BEST.
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates (FL)

I have twice demanded validation from this company and they have responded by sending me a bill claiming that it is past the 30 day validation period. However, I have never received a notice that they were going to attempt to collect nor have they ever sent a letter advising of my right to dispute it. I only found out about it because I saw it on my credit report and sent a dispute letter to them. I have never had an account with this company. I demand to see a contract between them and me or they need to remove their information from my credit report and close their files. I have been disputing this on my own and have never paid any credit repair company or anyone else to dispute this for me. As of today, this incorrect/invalid/inaccurate information is still showing on my credit report and needs to be removed.