davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CO)

I applied for a mortgage for a refinance on a second home from Quicken Loans in XXXX of 2016. As part of the process Quicken asks for a good faith deposit, in my case {$500.00}. The first issue I ran into with Quicken was them not being able to obtain an appraiser before the rate lock expiration. They told me they would extend it, which they did, but then another issue came up. They apparently had a problem with the classification of my home and decided that it had to be placed in in a riskier classification, increasing my closing costs. We discussed the matter several times and finally reached an agreement on the closing costs. A couple of days before the second rate lock expired I contacted them to see why the loan had still not closed and was told that they working on it. Sure enough the rate lock was missed again. I checked my account and sure enough they had sent a new redisclosure letter with an increased rate. Considering what I had been through already I asked to be withdrawn from the loan and a refund of my deposit. After not hearing from them for a week I called to see what was happening to the deposit. I was told that they were allowed to deduct fees from that deposit and was informed the appraisal was approximately $ XXXX so no refund would be coming. I asked for the invoice on the appraisal and imagine my surprise when the invoice showed XXXX {$500.00} not the ~ {$700.00} I was told over the phone. Given the fact they raised my price on the loan twice, because they could n't close on time, and apparently were less than truthful about the cost of the appraisal I believe that some amount of the deposit is due back to me.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (GA)

I contacted my bank, Wells Fargo, to ask about the current auto rates. They were only able to give a range of rates ( 3.49-18.49 % ) unless I filed an application. I declined to do so because I was n't committed to purchasing the car and did n't want a hard pull on my credit for no reason. About 3 week later ( on XXXX XXXX, 2016 ) I received written correspondence that my loan application was decline because " the credit application was incomplete ''. In fact, there never was an application. They also pulled my credit in violation of the law.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2017-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

In late 2015, I received a mortgage modification from Chase Mortgage. At that time the mortgage payment was set at {$850.00} and a special Chase bank account linked to the mortgage was set up for direct payroll deposit so the mortgage could never fall into arrears. Since that time, Chase Mortgage has consistently failed to debit mortgage payments from this linked account per the terms of the modification, thus causing the mortgage to fall into arrears. Now Chase is threatening to foreclose due to their own failure to comply with the terms. 

After being notified in writing about this accounting error with a NOTICE OR ERROR followed by a QUALIFIED WRITTEN REQUEST, Chase has failed to remedy the problem, and has merely responded with form letters. I even hired an attorney to send Chase a letter demanding that they fix their accounting errors, and Chase once again responded with a form letter. 

To resolve this matter to my satisfaction Chase must : *Cease and desist all foreclosure actions and threats. 
*Timely post FROM the linked bank account TO the mortgage a sum of {$850.00} on or about the due date in compliance with the terms of the modification. 
*Move any and all alleged missed payments to the end of the mortgage without the need for a full mortgage modification. 
*Notify all credit bureaus that my mortgage has been " current '' since XXXX of 2015 and remains so.
Consumer complaint received 2017-03-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I opened an account at Wells Fargo Bank approximately XX/XX/2017. On XX/XX/2017 I went into the branch bank on XXXX XXXX in XXXX, Virginia to deposit my paycheck. The check was for {$610.00}, and I was told I would be allowed to receive {$100.00} and the remaining {$510.00} was deposited into my account with a hold on the money until XX/XX/2017. My account shows that the deposit of {$510.00} was made at XXXX on XX/XX/XXXX. A deposit of {$300.00} was made this same date at XXXX I did not authorize the deposit of {$300.00}. I checked my statement on XX/XX/2017 and the bank had removed {$510.00} from my account without me being advised of the withdrawal. The reason showing on my statement online was " {$510.00} deposited in error, transaction reversed. '' I called the bank and talked with XXXX XXXX and was given the name and number for XXXX in the Research Department. I called XXXX and was told they would research the problem, and that it would take up to five business days. I waited the five days, and called and spoke with XXXX XXXX. XXXX XXXX told me the case was closed, because the check had been deposited by telephone, and at the branch also. I advised XXXX XXXX that I did not make a deposit by phone, but did make an in-person deposit at the bank on XXXX XXXX. I asked my mother, XXXX XXXX, to be an advocate for me in dealing with this problem with the bank. XXXX XXXX called the bank and spoke with XXXX XXXX inquiring as to how she could discuss my account with a bank representative. XXXX XXXX first told XXXX XXXX she would need to be put on my account, but later said she checked with her manager, XXXX XXXX XXXX and was advised that XXXX XXXX could accompany me to the bank to discuss the situation. On XX/XX/2017 XXXX XXXX and I met with the branch manager of Wells Fargo on XXXX XXXX in XXXX, Va., XXXX XXXX. See attached documents pertaining to this meeting. You may remove any names and account numbers to use the document as a website posting if needed.
Consumer complaint received 2021-10-03
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: EQUIFAX, INC. (TX)

I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase through XXXX took {$2700.00} from my personal Account for a payment for a business I am not familiar with or have any knowledge of. The funds were not authorized to be taken and I disputed the funds and Chase refused to return the funds
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, completing debit card purchase of {$1000.00} using CitiBank Debit Card and scheduling XXXX bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I received another confirmation from XXXX Borrows that I have successfully completed all of the requirements for the bonus. 

It has been long past the date that Citi should have transferred the bonus and I still have not received anything.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In XXXX, 2023, my XXXX  loans with XXXX were forgiven under the XXXX program. I received notification that the balance on my loans was reduced to {$0.00}. However, these updated balances have yet to be reflected on my credit reports.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion does not have account by XXXX XXXX XXXX account XXXX showing on my account it was closed. The account was open in 2008 and there was not ever no late payment. I have my other 2 credit reports that show XXXX XXXX. 
I don't no why this was taken off my credit report.TransUnion seems to remove accounts that paid off and in good standing. I'm also filing a complaint with US attorney consumer complaints to TransUnion Practices and other various issues with TransUnion
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX/XXXX/XXXX, My wife withdraw from ATM ( Bank of America ) {$200.00}. 
ON XXXX/XXXX/XXXX bank of America deduct from my checking account {$150.00}, I call to find why. 
they said, is, because the ATM give to my wife {$350.00}, The transaction is recorder as a {$200.00} but my wife receive {$350.00}, after more the 2 months ago, I have no proof, And I do n't what else I have to do to resolve this problem. I been in contact with the bank, but nothing is been done to resolve this situation.I been in the phone hours trying, telling them ta My wife just receive $ XXXX.hoping somebody can help me.
Consumer complaint received 2016-07-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Got behind in payment, the property went into Bankruptcy. the lender got relief from stay. Now I 'm able to bring the loan current, lender/servicing company will not sent escrow or my self reinstatement and the sale date is XXXX/XXXX/2016
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I recently opened a checking account with citi bank due to the fact i have a cc with them. I was playing around with the app getting to know it. The next day i cant use the debit card, so i go to the branch in XXXX XXXX fl the cashier gives me XXXX dollars. I left XXXX because i thought they were going to return it its been over a month and i still haven't gotten my XXXX dollars, so what i will do is take that off my cc bill if they are not returning my money back. The manager was clueless and on the phone i got someone in the XXXX with roosters in the background taking about im in the fraud dept .l actually have a degree in mathematics i have done risk management for fiserv for years i did nothing wrong. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hours : Closed Opens XXXX Phone : ( XXXX ) XXXX best regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has taken it upon themselves to place a fraud alert on my account without my consent or permission. This is causing me to be denied access to my credit report and credit. 

Transunion has been using deceptive and retaliatory practices sense I began disputing with the accuracy of my report as well as privacy on XX/XX/2022. When trying to call to get this fraud alert that only shows up in some places but not on their online website, I am told that there is a procedure to remove it but no one on the phone wants to help me through that process. 

Today at XXXX XXXX EST I spoke to XXXX XXXX ( who says that they don't have agent ID 's ) He began to walk me through the procedure but I told him I am not able to access the fraud alert portion of the website. However, on other websites I see there was a fraud alert placed on my credit report. I can access every other tab on my profile except that one, it shows an error screen. 

Now, Transunion has sent me a letter to an address that is inaccurate and I've been trying to correct that as well but all of their agents direct me to the website which I don't want to use. 

I am being denied access to my credit report, credit, and a fair, impartial investigation. 
XXXX and XXXX have deleted all the information Transunion is investigating so Transunion 's data on my credit report is inaccurate. Not only that but because of Transunion 's inaccurate reporting and lack of resolution I have been denied credit, even though my credit score has raised in other places because of the information being deleted as per my written instructions.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

Citi pr estige Account was CLOSEd by  Citi VP   XXXX   XXXX , ruthless employee.       LOTS  XXXX  of REWARD points due to a HOSTILE employee  XXXX   XXXX   ! !!       1. D enied access to  XXXX  reward points both online and on phone.    2,   XXXX  reward points are equal to {$1300.00} in travel value.      Citi ha s BLOCKED me from every opportunity to access my reward points forcing a SEC complaint and lawsuit.      XXXX   XXXX  is a ruthless employee who is retaliating aginst  me. Citi Th ank You employee said ONLY writing into  XXXX   XXXX  about account but said it can not be opened again forfeiting ALL EARNED reward points.  XXXX  is a BULLY.      Citi T hank YOu online response. Service center REFUSES to HELP!!       " We do n't recognize y our Sponsor Account number. Please verify the number and try again. If the problem persists, please call our Service Center  at  XXXX   (   XXXX   ).  The  ThankYou Service Center  is open from Monday to Friday,  XXXX    XXXX   to  XXXX   XXXX  ET and Saturday and Sunday,  XXXX   XXXX  to  XXXX   XXXX   XXXX .     If you are attempting to add you r Citi PremierPass  /  XXXX   XXXX   XXXX  Card to an existing account but are experiencing problems doing so please  call the ThankYou Service Center. ''
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

This complaint is for Loan depot XX/XX/XXXX I received a call from a XXXX XXXX, a lending XXXX, asking me if I wanted to refinance. I informed XXXX that apparently my dept to income ratio is too high, as I was told by another refinance company, so I cant do it. He told me to send the documents about XXXX different income documents. He said that my debt to income was high, but If I could prove that I wasn't paying the mortgage for over a year he may can do it. Which I don't pay the mortgage my finance does, so I sent all his statements showing he payed it. XXXX was not the problem he was operating in good faith. I spoke with him several times from then to XX/XX/XXXX. 
I then got a call from XXXX XXXX around XX/XX/XXXX, stating he works at Loan Depot, I asked him why he was calling because I had just spoke with XXXX and he said he works with XXXX and was furthering the loan ahead, he made it seem as if he was the next step. He sounded shady and predatory. I questioned him why he couldn't just get the information from XXXX that he was requesting and he said that he would and called me back, stating he would be able to do this at an even better rate and financial option. He stated that he got everything needed to proceed from XXXX. I informed his as well as XXXX, not to order an appraisal unless he knew that I could do this loan, he stated that he would not order it unless everything was okay. I asked him how much the house needed to appraise at in order to be okay, he said around XXXX. He asked for {$18.00} to lock in a rate and to ensure that I would be forwarding the process with him. I got a message from a women named XXXX XXXX, asking for some additional signatures. XXXX proceeded to act like the debt to income and financial documents was enough to secure the loan. He orders an appraisal and then goes silent. I called him to ask about the rates again and he says we are having trouble getting the debt to income approved, and I again stated why you didn't have that approved before you ordered the appraisal. That was the first thing I told you to make sure of. The house appraised at $ XXXX so the amount shouldn't have had anything to do with it, He simply didn't do the math, of how much I make and how much I pay out. There were no new documents submitted to have changed that, he simply did whatever he could to push it through knowing darn well, he didn't do the math first. I don't event think he looked at the documents I previously sent XXXX. He just proceeded in bad faith. I would like my {$500.00} back for this appraisal they ordered for no reason.
Consumer complaint received 2015-12-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (CA)

Green lineloans the Lender has been paid back XXXX to date on a XXXX dollar loan. After consulting with my attorney I found out they are not licensed to do business in the state of California and I over paid them XXXX which in the interests of good faith I 'm not asking for a refund. Thy claim I still owe XXXX and change.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

So I had this account and when i cancled they stilled charged me. so i ignored them which didnt work in my favor ; they reported to my credit. the company at the time was XXXX XXXX XXXX who contacted me and offered a settlement in XXXX which I Paid off. since then it has been sold to other agency 's that are still reporting unpaid. when I contact AWA they cant provide documentation of this account and are very rude on the phone. Now this account has been paid for XXXX years now and would appreciate if they would report as such and stop harassing me.
Consumer complaint received 2015-09-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Bank of America charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (GA)

My mortgage was sold from XXXX XXXX XXXX XXXX around XXXX or XX/XX/2014. Since then, the loan has been sold more than once but the servicer has not changed from Gregory Funding, LLC which is currently the mortgage servicer. Gregory Funding has been receiving more than the monthly due amount each month for years yet they refuse to report payment history to any of the credit agencies. This act has caused me the opportunity to refinance and further obtain any credit for the payments being made. Coupled with the fact that XXXX has a picture of myself and my wife exiting this home. we are being identified as XXXX in an affluent neighborhood and the refusal to credit the payment history is discrimination coupled with the fact that any lender can readily identify the applicants ( me and my wife ) as XXXX people- based on the fact that XXXX shows our picture at this address.
Consumer complaint received 2015-06-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

at XXXX point I was having financial hardship, I filed for assistance from the courts, before the completion of the resolution in the courts me and O**** Loan Servicing came to an agreement if I paid the amount I was behind and pay a monthly agreed payment they will re-instate the loan, as of today I have lived in this home for 14 yrs, I have not changed addresses, they did not report correct information to the credit bureau they did not report I paid what I owed and have been making XXXX payments each month. I feel they received funds from me with no attention in giving me back ownership of my home which in XXXX aspect is fraudulent intent, when I speak with a person at O***** they are not assisting they actual speak to me in a tone as if I am uneducated and have no morals, I want fairness in this matter I paid O***** the monies I owed them I actually sold property in which I should have kept in order to save this XXXX if I knew what I knew now that choose would have been differently I feel they are trying to get over, t reporting that the monies I owed was paid in full with interest. I feel also because I do not understand real estate law they are taking advantage of the situation and me. they got the monies I owed them on the promise they would reinstate my loan fully and I would make monthly payments in the amount of XXXX, none of this has reflected on my credit report, no truth to the fact they was paid in full the amount I was behind and have been making on time payments every since. I need assistance in reclaiming my property if I did not have interest in retaining my home I would have not paid the monies owed ( correct ) but my intentions was to keep my home O***** was paid, please help me get my home back. and my credit report corrected.