davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (VA)

I have a Home Equity loan with Citibank. I have had it since XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. However Citibank was not included in the bankruptcy. After that it became very difficult to make my loan payments. In XX/XX/XXXX I filed a complaint with CFPB and the trouble stopped until about six months ago. Again I called to make my payment ( the same payment I had been making since XX/XX/XXXX-no problem-they took my money ) and all of a sudden I can no longer pay because I filed a bankruptcy. Well I do n't understand what the difference is now and the last XXXX years when they took my money and did n't give me the run around. By run around I mean the XXXX phone numbers they have given that are all bad numbers. Each time I called them I was told that they did not have my account-once again because it was in bankruptcy-these are the numbers : XXXX, XXXX ( by the way this is listed as their bankruptcy dept. number ) XXXX, XXXX ( this had been the only good number up until now ) XXXX. These numbers are all not able to take my payments. Last time I had the misfortune of dealing with a XXXX XXXX, Default Executive Response Unit Manager. He was extremely rude and not helpful. Because he called during the day and I was at work, he said that he had tried to reach without success therefore this matter was closed. I had called him back only to receive an answering machine and left messages. He finally called back but was very non-helpful. All I want to do is make my payment once a month by the XXXX of each month. I do not understand why they are making this so difficult once again. The way I see it if no one can find my account then I must not owe any money, but I 'm sure that is not the way they will perceive it if I stop paying them. Please help me to remedy this situation. I 'm just trying to pay off my loan. Thank you, XXXX XXXX
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Over the phone purchase was made XX/XX/2016 frrom saks XXXX..Did not receive purchase From.Saks. XXXX claims they have signature of mind ITS not possible .File claim with XXXX they said shipper must file all claims.because of the agreement with saks..Saks never file claim I would like your help to dispute this claim. Thank you..
Consumer complaint received 2015-12-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

Citibank 's ATM machine ate my {$100.00} bill on XXXX XXXX, 2015. I submitted a total deposit of {$800.00} consisting of XXXX {$100.00} dollar bills, that I had just received from XXXX Bank, into the ATM machine. The machine response read as follows : " XXXX or more of your bills is defective. '' It then kept all the bills and gave NONE of them back to me. It only confirmed {$700.00} of my deposit, leaving unmentioned the extra {$100.00} I had deposited. So I got NO acknowledgment of the {$100.00} and also did not get it back in my hand. I went inside the branch to report the theft of my {$100.00} bill, and was told by branch staff that " it would no doubt be caught tomorrow morning when we get our accounts reconciliation for today 's activities. '' This {$100.00} overage was caught and noted by those same Branch staff, however, since then, restoration to my bank account has never happened, and in fact I was told that the results of their 17-days-later " fact-finding '' was that there was no overage, no loss, and no problem, so they were not going to restore my missing money! I should add that about a week after the theft of my {$100.00} bill, both outside ATM machines at that Citibank branch in XXXX XXXX XXXX, XXXX XXXX, CA, were being worked on by repair technicians, as I was told by branch staff members.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I being denied credit because they are reporting me as deceased. I did getsick. and I have n't used my credit .but I am recovering and I have move from the pesticides of XXXX XXXX . XXXX XXXX XXXX Why should I have to give my credit & payment history to Verify who I am. The mistake is n't mine. 
Theirs questioned in reference of my past information like old addressesMy Social Security # last time I check they do n't give dead people new Social cards. I will give ( XXXX ) open account to be verified. I Do n't care why it happenI just want it corrected Thank you. XXXX XXXX /XXXX ( XXXX ) ... Attention Credit Bureau /document available / when address to accountable/ a credible person /Official. or Official assigned to verify.
Consumer complaint received 2015-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

I am a resident of the state of Texas and sent Enhanced Recovery a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (KS)

I am a single mom with XXXX kids. My car was repossessed unexpectedly in XXXX 2016, I purchased another vehicle ; plus the cost of paying full coverage insurance made my living expenses difficult to pay for my other bills. I experienced trouble paying my rent in XXXX, XXXX, XXXX, and XXXX of 2016 which is why I went to Speedy Cash. 
At the time I applied for an LOC for {$600.00}. A young lady that works there told me about a title loan. I took it out in addition to pay for my car note and rent because I was behind on both at the time. The lady told me the interest rate would be cheaper but that is not true. I am paying about 300 % in interest and fees this is hurting me.
Consumer complaint received 2016-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (NY)

I was unemployed for approximately 6 months without income in 2014, and during this period my studend loan interest was accruing, and I was not aware I could have this deferred. I have tried to retroactively defer the accrued interest, but he debt collectors say nothing can be done. 

Please advise. 

Thanks
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

After requesting a refinance, we met with a Wells Fargo Bank Officer, with whom we did not find favor. We had paid our loans down, the interest rate was low, a refinance would have solved our entire financial difficulty, met all our financial goals providing for our family, serving our patients in full capacity. 
While The Courts ordered Wachovia/Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wachovia/Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 
Wachovia/Wells Fargo led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed monies which added up to the equivalent of what we owed on our notes to Wachovia/Wells Fargo. 
In addition, Wachovia/Wells Fargo did not apply the rents to the XXXX/promissory note as ordered by The Courts ; accordingly, we paid the XXXX from our own personal funds. Moreover, Wachovia/Wells Fargo hindered all our abilities to refinance and would not provide us or other Banks with the pay off on our loans. 
The time Wachovia/Wells Fargo refused to return our calls was the same time we discovered Wachovia/Wells Fargo selling our notes to a client of a tenant in the Wells Fargo Bank building. 
Attached, please find Court documents ordering Wachovia/Wells Fargo to pay the expenses and apply the rents to the promissory notes ( XXXX of the notes is the XXXX loan ). Also, please find supporting documents for some the expenses we paid on behalf of Wachovia/Wells Fargo. 
Also attached, please find supporting documents to get alternative financing, paying for title search, closing cost, etc. However, there is the issue that the note holder hindered all our abilities to refinance, following the same path of Wachovia/Wells Fargo. 
Now in our sixties, after we put all what we have earned to pay down our obligations, to secure future for our family ; the Bank handed everything we earned, our investments and the dividends on our investments to a client of a tenant in the Wells Fargo Bank Building ; leaving us with an accumulated debt of millions of dollars, and without our medical building and pension fund building.
Consumer complaint received 2015-06-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (IA)

I am XXXX y.o. with a XXXX Checking account from Wells Fargo and debit card overdraft protection tied to my savings account. I was charge {$15.00} on XXXX for exceeding what I was told was a XXXX or XXXX transaction limit for withdrawals. That may be correct or not, I 'm not certain. What I do know is I signed up for alerts and received an email saying I was nearing the transaction limit. My complaint : If Wells Fargo can tell when I 'm nearing my limit they should be able to tell me when I 've actually reached my limit and give me the choice to exceed the limit and pay {$15.00} or simply cancel the transaction. I was not afforded that choice and do n't feel it appropriate to charge me {$15.00}. My regular balance is around {$100.00}, so I was essentially charged 15 %. I have to say, for a XXXX, that is a big hit!
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AZ)

There have been several major problems with Caliber Mortgage, as I have complained about their failures 2 times -- -failure to post payments ( signif. amts ... {>= $1,000,000} since XX/XX/XXXX ), failure to update my account accurately -- -in turn, failures to report accurate info to XXXX Credit Bureau XXXX My credit score is suffering, due to inaccurate reporting info. Also, they say I owe for XX/XX/XXXX -- -not true. And they 're threatening foreclosure action, even tho I 'm paid up on mortgate..thank you.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2017 I presented XXXX items totalling XXXX USD to the TD Bank, N.A ( the " Bank '' ) branch located at XXXX, XXXX, MA XXXX. The amount credited for the deposit was XXXX USD, XXXX USD less than the amount of the items deposited. 

On XX/XX/2017, after the deposit posted to my account, I noticed the discrepancy and notified the Bank of the error. During this call, the representative was able to confirm the missing amount based on the check images collected by the Bank at the time of deposit. The representative informed me that they would escalate to an appropriate organization within the Bank and that the error would be corrected within 2-3 business days. 

On XX/XX/2017, I noticed that the error remained unresolved. I contacted the Bank again regarding the error and was told that the error would be corrected within one week of the original notice ( by XX/XX/2017 ). 

On XX/XX/2017, the error continued to remain unresolved and I contacted TD Bank , N.A . again regarding the error. The representative, XXXX, noted that there was no record of any request made during the previous calls. The representative contacted their supervisor, XXXX, to escalate a request within the Bank and have it expedited such that it would be resolved within 2 business days. 

On XX/XX/2017, I am filing this complaint with the CFPB. It has been over a month since the issue was first raised with TD Bank , N.A . and, after multiple good faith attempts to resolve the issue, the TD Bank , N.A . continues to fail at delivering on its promises to correct the issue.
Consumer complaint received 2016-11-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

We recently purchased another home From XXXX this past XX/XX/XXXX and it was financed by XXXX and it was sold to Wells Fargo before we even received our first payment due. We do n't have a problem with that what we have a problem with is that before it is is even late there collection department calls every month and harasses us that our payment is due. We always pay before the grace period, but lets say they do n't get it by the first when its due they start calling even though they advised our grace period is until the XX/XX/XXXX. We pay through our electronic payment system with our bank every month no later than the XX/XX/XXXX. we have a confirmation that they were paid on the XX/XX/XXXX but I still get a call today that they were not paid. I am still waiting for the Deed to get sent to us. We closed in XX/XX/XXXX. I do not trust them.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

Back in 2012 I live in XXXX XXXX XXXX and I was evicted and they tried to sue me for XXXX and we went to court and the judge awarded them XXXX and told them that are all I owe them. I have tried to pay them this amount and they refuse the payment numerous occasions. They went as far as to tell me that they do n't care what the judge said they want the higher amount. The funny the company Resident Collect says they represent XXXX XXXX and I talked to XXXX and they told me they sold the debt to them and told them about the court case. In the process of dealing with them the woman has been rude yelling and went as to tell me to shut up and hang up in my face at one point. I eventually had to hire a company to stop the harassment and to deal with them and the company said that were met with the same rude behavior.
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

My JP Morgan Chase was modified on XXXX XXXX, 2013. While I signed the documents, I realize that I was desperate in an effort to avoid foreclosure. I now believe that the fees added to my original loan was excessive. My original mortgage balance increased from {$180000.00} to {$220000.00}, approximately {$36000.00}. The condo is even more underwater & over market value now, by at minimum {$80000.00}. Afterwards, JP Morgan Chase sold the mortgage to XXXX , XXXX ( loan # XXXX ). Please investigate this matter to have them explain the excessive fees. Thank You
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

I have been fighting with equifax for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I was coerced by Capital One to switch my free account to a fee account. I was told because I was a long term customer there would be no fee. Now {$60.00} fee.now have to cancel. They say I have XXXX accounts not XXXX,. Penalized now for cancelling account. Would not bend when called. They are a terrible company. Also kept raising interest fee for no reason. Have excellent credit. It is usury. Keep your wallet closed for this company
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was interested in re-financing my existing 5/1 ARM with Capital One, which is in its XXXX year. Their website ( capitalone360.com ) states 5/1 loans are available with no closing points. I called to start the re-finance application and was told that I would have to pay 1.25 % in points. This was not disclosed anywhere ontheir website. The loan I wanted for 0.00 % points was only available for a home purchase ( not re-finance ) with at least 40 % equity ( I have over 80 % equity ). Nothing on the website indicates these conditions except for the example of the monthly payment. This is basically a bait-and-switch tactic and misleading in order to get me to call for a loan and charging me for something else at a higher cost than advertised.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc. (MT)

I received a notice that my credit score had changed and found that XXXX had reported a 30 day past due credit notice to the credit companies. When I contacted XXXX, they told me I had a {$15.00} past due balance, that I had signed up for e-billing, and it was past due. They then told me they did not show where I had registered for an e-billing account, but told me I should have received an electronic statement. I did not receive any statements, electronic or paper. The representative indicated they had tried to contact me, but they use " robo-calls '' that come in as Private Numbers. There were no messages left by anyone about a past-due bill, and no bills received by me. I asked them to contact the credit bureaus and reverse the credit reporting and they refused to. I have had no history of late payment with XXXX and was not aware, or made aware of a late payment via email, mail, or phone message. The phone numbers they had on my file were incorrect when I contacted them. They updated my numbers at the time of my call. I paid the balance due in full. They refuse to accept responsibility for not contacting me or informing me of my late due payment.
Consumer complaint received 2016-10-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (GA)

I pulled my credit report from XXXX and XXXX XXXX and an unauthorized entry from AD ASTRA RECOVERY SERV. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. AD ASTRA has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. This entry must be DELETED from my credit file.
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My home experienced a broken pipe and suffered flood damage. My insurance company issued me a claim check pay to myself and my mortgage company Ocwen. Ocwen will not release the funds until they are provided with a Third Party Adjuster Worksheet. The insurance company does not provide such a worksheet, they paid out a negotiated the claim and do not provide any further information. 
The repairs have been made and the contractor is expecting payment and Ocwen will not disburse the funds held in escrow
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

There is a reported XXXX account listed on my consumer credit file with Chexsystems. I have previously disputed this account but was told by Chexsystem that the police report that I had submitted was out of date did not cover this account. This account was closed in XX/XX/2016 and my police report is dated for XX/XX/2016. I 've had to go through the State of Illinois to finally get the XXXX disclose this information to me so that I can get this off of my report. This account was also listed on my credit reports with XXXX, XXXX and XXXX and they have deleted the account with the FTC Affidavit and the Police report as well as the letter from the XXXX. Chexsystems needs to delete this as the account is fraudulent and I have attached my supporting documents to prove as such
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

Ocwen holds the XXXX on my home and for 2 years I have been appealing to them with documentation, to remove fallacious bankruptcy comments they 've reported to the credit bureaus. All to no avail. 
In XXXX XXXX someone from Ocwen Loan Servicing , LLC in XXXX, XXXX arbitrarily decided that my home and primary residence at the time was included in my bankruptcy which was discharged in XXXX of XXXX. They reported that the debt was " included in XXXX XXXX '' and " discharged '' " XXXX XXXX, XXXX. '' They show the account closed and transferred. My Loan was transferred to Ocwen Loan Servicing in XXXX XXXX XXXX XXXX. 
Last month on XXXX XXXX, in response to a XXXX XXXX, XXXX email, I received a letter from Ocwen 's Office of the Consumer Ombudsman admitting to the error stating the " trade line should reflect as closed and service transferred however, the bankruptcy comment should have been removed. " As of this date the false information remains on my credit report, my complaint submitted to the XXXX has been ignored, and calls to the Ombudsman office have not been returned. 
My payments have never faltered or been late, my payment history is perfect.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MA)

Theres an account on my credit report that isnt mine, I need this account verified or deleted from my credit report. I want this company to provide me with the original contract bearing my signature, where it shows that I agreed to pay them anything. This account is now a charge off and it is affecting my credit really bad, I want the company to tell the credit bureaus to delete this account from my credit report. The balance on this account is {$43.00} dollars.