davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Wells Fargo ( " WF '' ) to ensure WF 's compliance with Regulation X. For several months, our client has been actively trying to get her application reviewed in order to begin paying her mortgage and save her home. However, WF has failed to act diligently and continues to send our client letters with inaccurate statements claiming documents are still missing despite having provided all documents requested. Our client submitted her application for mortgage assistance to WF on XXXX XXXX, 2015 by certified mail, which was received on XXXX XXXX, 2015. On XXXX XXXX, WF sent a letter to our firm requesting a list of additional documents needed to complete the review. Our client supplied all documents from the list that existed on XXXX XXXX. 
On XXXX XXXX, WF acknowledged receipt of those documents however did not state whether anything additional was required. As suggested on WF 's correspondence, we checked the status of the modification review on WF 's online portal on XXXX XXXX. The website showed that the documents step of the review process was complete and the application was being reviewed. But then, WF sent XXXX different letters dated XXXX XXXX and XXXX XXXX stating the application was not complete and more documents were needed. We submitted a Notice of Error to WF detailing the inconsistent information we were receiving in our efforts to request mortgage assistance for our client. 
Again, our client submitted all the documentation she had in an effort to finally get her application properly reviewed. WF 's response to our Notice of Error dated XXXX XXXX failed to adequately address the issue we raised and instead just stated the application was being reviewed and to contact WF via telephone if we wanted more information. The letter did not address whether any documents were still missing or the actual status of the borrower 's application even though we sent WF several requests for information specifically asking for the status of the borrower 's application and what documents, if any, were missing for their review. Since we received no meaningful response from WF, the borrower believed the application was complete and being reviewed as their stated and the website portal showed. 
WF sent our firm XXXX separate letters both dated XXXX XXXX, only 8 days after their response stating the application was being reviewed. XXXX letter acknowledged receipt of additional documents that were sent in and stated they were being reviewed. The other stated the Borrower was being denied mortgage assistance because the application was pending for too long. WF has not sent the borrower any indication that additional documents were needed since the XXXX XXXX letter, which the borrower complied with. To date, we have submitted XXXX Notices of Error to WF and still have yet to receive a proper review for our client 's request for mortgage assistance.
Consumer complaint received 2015-08-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I was automatically signed up for PayPal Credit, without giving me the full picture. I never wanted to apply for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit and it would pull my credit. The instruction was very misleading and I thought I was using my paypal account balance to pay for my purchases. My credit reports were then pulled without my knowledge. My credit reports were pulled based only on the last XXXX digits of my ssn, my date of birth and home address ( per XXXX ). This was completely against my experience where other companies asks for much more personal information before pulling my credit reports. My credit scores drop significantly after paypal credit pulled my credit reports. I tried to dispute with XXXX but it wo n't remove the inquiry. I contacted with paypal credit but it did nothing to help me remove the credit reports inquiry.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NY)

I asked my credit card provider to reduce my APR ( annual percentage rate ), since I feel it is too high even though I have been a good customer for more than a year. The provider refuses to reduce my APR, for the below reason : " Credit line decrease on your account within the past 4 months '' I have never had a credit line decrease in my lifetime of using credit cards ; in fact my credit line has only increased in the time frame mentioned. I have called the credit analysts who are supposed to be rectifying the problem numerous times, but the problem still persists after two whole months ( my first complaint was made in XXXX ). 

I have been told repeatedly that this is a technical issue and should be resolved in a few days, but it has taken a very long time and it still has n't been resolved, even though it is not my fault whatsoever. There is no reason for the bank to deny me an APR decrease even though my credit usage has been excellent ; I have not been given any other reason for the provider 's inaction apart from the one mentioned above, and the provider refuses to take action until this technical issue is resolved, which they neither resolve nor give a concrete timeline for. 

I feel that it is unfair of the provider to take advantage of me this way ; I have always made my credit card payments on time in full ( multiple payments a month ) ; I have been a good customer in good times ; I fear that if I fall on bad times, the provider is unwilling to have my back and fleece me in my time of need through ridiculously high APRs ( greater than 20 % ) which it refuses to decrease.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION (PA)

NFCU credit card put my account in collections after 84 days past due. 
I was having on going conversations with XXXX XXXX in the NFCU collections department that I wanted to make payments but that I was unemployed. On Day XXXX of being past due, I called XXXX XXXX to make a payment and I was informed that my account had been given to the law firm of XXXX XXXX. I asked why would you give my account away and she replied that " You did n't seem like you were was going to pay. '' Since NFCU tapes all conversations I informed XXXX XXXX, XXXX XXXX XXXX, to not destroy those tapes. 
I called the law office with the number provided by XXXX XXXX and was informed that accounts are never given over to collections before 90 days. 
I immediately made the payment to the law firm, a XXXX XXXX. In the process of making the payment I found out that NFCU did n't even give the law office my correct address, NFCU gave an address to the law office that I have n't lived at in over 15 years. NFCU sends me billing statements, collection letters and advertisement to the correct address every other week. If I had not called NFCU to make a payment I do n't know where this would have ended up, having not received any notice. Was that a deliberate action take by NFCU or the law firm. 
Please respond as to my rights. This does not seem like this was correctly handled. And, also now my credit rating will go even lower when it was not necessary. 
I have attached a letter from NFCU from the year 2005 that shows the account number and my correct address. It proves they had my address for 10 years.
Consumer complaint received 2015-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

After making several requests by telephone and by letter, " JPMorgan Chase Bank , N.A . '' has not provided a : 1. Copy of the " Mortgage Loan Payoff '' letter ; and 2. " Closing Statement '' that lists all the " charges '' and " credits '' that were applied by the bank to fully payoff the mortgage loan. 
As a result, there is no way to check the " charges '' or " credits '' as to being correct. 
I paid {$5400.00} Chase on XXXX/XXXX/15 and Chase refunded {$3.00} XXXX/XXXX/15. 
Chase sent a letter that stated that the loan was fully paid off, but Chase did not provide any final accounting of how a payment of {$5400.00} resulted in a return of {$3.00}.
Consumer complaint received 2016-10-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (UT)

WELLS FARGO A Personal signature loan with a co-signer was taken out when I lost employment, so I could return to school to finish a degree. The funds were used for living expenses. Divorced 3yrs later and with XXXX children, I had no choice but chapter XXXX bankruptcy that was filed in XXXX XXXX and discharged in XXXX XXXX. 
A letter from Wells Fargo dated XXXX XXXX was also obtained and filed with the bankruptcy courts, ( see attached letter from Wells Fargo ) explaining the debt was a dischargeable loan. Five years later I find out the loan was deferred as I have been in a master 's program. I did NOT request the deferment! Now that the loan is out of deferment, I am being told the debt was not discharged. I have made several attempts in contacting Wells Fargo along with sending certified letters to have this issue resolved. 
Several occasions I have made contact with Wells Fargo, I get the runaround and passed back in forth between customer service and the bankruptcy departments. Each time telling me I am not in active bankruptcy and the loan was not discharged. When I ask them to pull up the docket along with the page number showing the letter that was received and filed with the courts from Wells Fargo explaining the debt was dischargeable, ( see attached ) I get the excuse the letter was dated in XXXX and the bankruptcy was not discharged until XXXX, so the letter had expired. I have spent many hours/days trying to get this resolved and have not gotten anywhere. I have had Wells Fargo on several occasions tell me they will have a supervisor look into the letter and the bankruptcy and will get back with me. I wait a week to ten days call back and the process starts all over again, meanwhile reflecting on my credit and unpaid late notices.
Consumer complaint received 2016-12-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

My mother passed away and I inherited the subject property. The bank said they would work with me to advoid foreclosure in XXXX XXXX the FC is sale date is XXXX XXXX, XXXX. I was advised of what documents was required to be reviewed. I have sent all the required documents. ( XXXX, XXXX, Tax 's return, XXXX form, XXXX ; Dodd Frank Certifcate, XXXX paper work ; Quit claims deeds from all parties. My SPOC ( rep assigned to my loan ) continues to tell me i havent sent the correct documents. When I ask what documents I need to send she does not know. When I requested to speak with a manager I am denied I was advised someone would call back. That did not happen. I called again and was told the only person that I could talk to is my SPOC to whom was not available. I requested for a manager and was denied again. I spent 4 hours on the phone ( begging ) requesting to speak with a manager to get some answers, finally I spoke with a Admin Manager by the name XXXX XXXX ; Whom still was unsure of what documents were still needed. He then adv me my request for a review was closed due to insufficent documents on XXXX XXXX. XXXX said he would re- open ( re- activate is what he called it ) my request. I also asked several times for the FC sale date to be postponed I was denied that. The FC sale date is currently scheduled for XXXX XXXX, XXXX. I previously asked at the beginning of theis process would there be enough time for the reveiw. I was advised in XXXX, XXXX I did n't need to worry about the FC sale date because they have plenty of time to review me. Hence they have not reviewed me for any options and the FC sale date is still set. I asked several time cane the FC sale date be postponed until the can figure out what documents are still needed. Im still waiting for a answer. I live in the house with my XXXX child and we have no where to go if I loose my house. Im just asking for someone to pleae help me save me home.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Applied for 5/5 ARM ( refinance ) with Navy Federal Credit Union on XXXX/XXXX/2016. As of this date, I am still waiting on an " Appraisal '' to be completed and getting the " Approval Letter. '' Initially my Loan started as a VA refinance but I quickly changed to 5/5 ARM within 5 days of XXXX/XXXX/2016 because of better Interest Rate. 
My Assigned Navy Federal " Loan Processor '' in XXXX, XXXX had no knowledge of XXXX Laws regarding ARM refinancing. I was then reassigned another " Loan Processor '' on XXXX/XXXX/2016 and an Appraisal was ordered on XXXX/XXXX/2016 but NOTHING has happened with this Appraisal as of today 's date of XXXX/XXXX/2016. Still NO " Appraisal '' has been started let alone completed. 
I am still waiting on some REQUIRED " Disclosures '' that still have not been sent to me, namely the Credit Report findings DESPITE the fact Navy Federal Credit Union pulled another Credit Report from TransUnion over 2 weeks ago. 
I was told that I have excellent FICO Credit Scores averaging XXXX between my wife and myself. 
Navy Federal Credit Union " Loan Processing Center '' in XXXX, XXXX in my opinion LACKS the proper training of Loan Processors and they DO NOT follow Federal Laws on " Disclosures. '' Bottom Line, I am now 6 Weeks into the Loan Processing and STILL NO " Appraisal '' has been done on my Property. 
Navy Federal Credit Union may be DELIBERATELY delaying the processing of my 5/5 ARM " Loan '' refinancing so that they can get an ADDITIONAL fee past the initial 60-day rate lock. 
Navy Federal Credit Union " Mortgage Processing Center '' needs to be investigated for purposely delaying process of my Mortgage " refinance '' loan. 
Please HELP. 
My LOAN Number is XXXX
Consumer complaint received 2015-05-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Our law firm leased XXXX safe deposit boxes, going back, according to bank records, to 1997. The bank has mismanaged our account records, so that now they do not recognize any of the partners as authorized for safe deposit box access.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: KEYCORP (PA)

I have received various requests for re-payment on a identified loan wit h Keybank National Association. Unfortunately, the primary borrower h as not been responsive to neither   XXXX   XXXX   recovery program,  Keybank  's collection efforts nor my communications to assume full responsibility in satisfying the loan obligation.   As the cosigner of this loan, I 've been left with little to no recourse in trying to remedy the situation with all parties involved. There were past attempts to try and see if, as a cosigner, I could completely shift the responsibility to the primary borrower. However, I was informed that the loan documents did not have the necessary loan provisions in order to transfer or allow for a cosigner forgiveness.   The situation at hand was originated out of a goodwill to provide hope so that a disadvantaged youth could benefit from the opportunity of going to college, receive an education and ultimately better themselves. As I experience the unfavorable results, I do n't take back my act of kindness, but wish I was in better circumstances to make good on the obligation, regardless of the youth 's success.   Today, the fact of the matter is that I now too find myself in an economic hardship. As a result of unemployment and new initiatives for self-employment, I can not continue to make good on the aforementioned loan. I have inquired into the possibility of some alternative programs for deferment and/or forbearance. After much effort, I have gained little ground in reaching a solution that is fair. It seems that the primary borrow continue to have all the rights to negotiate and do what they see is convenient for them, while I 'm stuck with the obligation of payment with no recourse. In hindsight the loan product seems predatory in design. I have humbly asked if not complete forgiveness, then the possibility of a 50 % settlement on the outstanding balance of the loan, which was denied.   After this ongoing scenario, my credit severely affected by it and it creating a hardship, while I 'm obligated to make monthly payments for the past year, I have been notified by the Loan Administrator -  XXXX , that a  XXXX  interest tax form can not be released to be because of IRS Legal rules. In short, I 'm responsible for paying, but ca n't claim interested on my taxes.   I 've have never felt so vulnerable, hopeless and a victim of predatory lending.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (TX)

I had applied for Wells Fargo Credit card on XXXX/XXXX/2016 which was approved and I received my credit card on XXXX/XXXX/2016, When I tried to get online access for my credit card Wells Fargo refused to provide me with online access. ( I had checking account and credit card with Wells Fargo before with online access. They had limited my online access for concern of fraud however after their extensive investigation they did not find any fraud on my side, however they said they would go ahead and close my account - because of their bad customer service and way they treated me I decided to go ahead and close both checking account and credit card, they said I could eventually open new credit card which I did apply for after a while ). Wells Fargo approved new credit card as mentioned above on XX/XX/XXXX and send me new card, however they are vehemently refusing to provide online access for me to monitor my credit card spending and activity. I spoke to XXXX ( supervisor of Fraud department Ref number XXXX ) and he refused to provide online access after acknowledging that there was no fraud on my part in the past, when I requested them to provide online access like every other banking institute he said " no you can view your activity when you receive paper statements or call in every time '' neither of which is feasible/practically way - calling them I am on hold for XXXX mintues every time and paper statements comes only once a month - I would have no way of knowing fraud charing if it happen in between - putting me a risk of identify theft and financial loss. When I told him about this and said I will file complain to CFPB, he said feel free to do whatever you want this is my decision and I am not gon na give you online access
Consumer complaint received 2015-12-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I qualified for a HARP refinance and used it in XXXX - without being made aware that it was this was a one time deal. I was trying to get relief from the problem created in XXXX when it was issued at origination as an XXXX split. The reason I wanted refinance was to both get a lower rate and combine the XXXX loans but, my lender did not combine the loans and made me feel like it was to only chance I had to refinance. The second mortgage ( with a different lender ) is an interest-only loan with very poor terms that has a balloon payment coming due in 5 years and I am deeply concerned that I will not be able to cover that payment. I have tried to work with this lender to restructure to pay more principal but because I have been making payments, my negotiations have been in vain. Now my credit score is dismal form trying to make ends meet after experiencing a 50 % reduction in pay since XXXX.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY ()

I got the below below email from Wells Fargo. 




Date : Sat, XX/XX/2016 XXXX XXXX From : XXXXXXXXXXXX To : Subject : Wells Fargo fraud claim on your account We? re researching fraud claim on your account : Here? s what you need to do Dear Customer : We want to help keep your account secure so we continuously monitor it for possible fraudulent activity We 're writing to verify the transaction On XX/XX/2016 was authorized by you or another person, The transaction was against bank Tearms and Use. 

What you need to do now? 
Please visit the Customer Center here XXXX login to your online banking? 
Review and enter all billing information carefully, and make sure it is up to date? 
You will receive an email from us in the next 24 hours confirming your transaction PLEASE NOTE : failure to verify your billing information before the next working day will lead to your online banking suspension and your account frozen. 


If you have any questions, please call us at XXXX from the U.S. or XXXX. Internationally, you can call us collect at XXXX. 

Thank you for being our customer. 

Sincerely, Wells Fargo Fraud Department
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I 'm trying to get my own place but every time I try I get denied because of bad credit, I 've had numerous bills in my name I did n't know about that my mothers been doing since I was young she 's used my information for bills that I never had or new about till now she messed up my credit by not paying the bills on time, letting them get sky high, or not paying at all I ca n't even get a home because all the bills I have in my name, when she threw me out she would n't give me my social, my birth certificate, or I 'd so now she 's ruining my credit what can I do about it
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CO)

XXXX Bank has reported a {$500.00} balance to the credit bureaus hitting my credit score every month even though the account has been paid to a zero balance and the account has been terminated since XX/XX/2022. The account has been to a zero balance since XX/XX/2022. Spoke with customer service in XXXX and they stated the switched to a different system and it wont let the bank report to the credit bureau.