davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo sold my mortgage without me and my wife knowing it, I never received a servicing transfer notice, I began receiving letters from lawyers stating my home was up for foreclosure with XXXX XXXX XXXX, this is how we found out that our loan was transfered, I began seeking counsel, my home until today is up for foreclosure, My lawyer have petitioned sheriff sales and now found out that XXXX sold my home in a sheriff sale back to Wells Fargo, after it was petitioned but still was sending me foreclosure notices after the suppose to be sale date after I have been making several attempts to petition the sheriff sale, we spent several thousands of dollars paying lawyers. Wells fargo have not given us a chance to do a modification they are not out to help the lender, it has been 5 years and now they are telling me it is to late to save my home when I did not even know they sold it..unbelievable
Consumer complaint received 2016-09-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

I received a voicemail with a time stamp of XXXX XXXX XXXX, XXXX from Wells Fargo agent requesting I contact her ( XXXX ) at phone number. I did not notice the voicemail until approximately XXXX that evening. The message stated an unrecognizable phone number. After listening to the message a few times, I attempted to log onto my Wells Fargo account website using my XXXX that I use primarily for online activity. I was locked out, so I decided to go to our local WF branch at XXXX XXXX, NC the next morning, Friday, XXXX XXXX ( beginning of XXXX Weekend ). 
I talked with a Customer Service Representative there and explained the voicemail and my problem logging in. I do not remember her name. ( The branch manager, XXXX XXXX should provide that info ). She assisted me in changing my password and I acknowledged that everything looked well by observing my checking and credit card accounts. 
I typically manage my credit card and checking account transfers online as well as personal savings accounts. I routinely use the online option to transfer funds from checking and savings accounts to payoff credit cards. The money market account in question was never accessed routinely. 
The money market in question was started as a safe storage place for money realized from the sale of our primary home in XXXX, NC the previous XXXX XXXX. I had never set up this account for wire transfer and rarely accessed this account between XXXX XXXX thru XXXX XXXX. 
When looking through my accounts on XXXX XXXX in order to accumulate funds to buy property to build a home, I discovered an unauthorized wire transfer had occurred XXXX XXXX for {$9700.00} as well as a {$30.00} wire transfer fee. The transfer was directed to XXXX XXXX XXXX in the name of 'XXXX '. I do not know this individual and have no idea how he or she accessed my account. 
I immediately proceeded to the XXXX XXXX branch and was assisted by XXXX XXXX XXXX to initiate a complaint and start the investigation. 
Since i did not know and report the unauthorized transfer in the allotted time of 30 days, and Wells Fargo insists this was an authorized transfer of my money to an unknown recipient, WF has denied my complaint and closed the case. 
FYI ... .I have been a good customer of Wells Fargo and previously Wachovia Bank since XXXX and have never experienced a problem similar to this. 
My Question ... ... .I can only suppose that the phone call from XXXX XXXX XXXX at XXXX was to verifiy that it was actually I initiating the transfer. Why, when I did not return her call did the transfer go forward without my consent? 
As well, I was informed that the transfer was completed using an Advanced Access Code which was sent to my phone. I have no knowledge of such a call or message. I have received a history report from my Carrier , XXXX XXXX XXXX, and no record of such call exists on that date. 
Still, Wells Fargo Bank , NA considers the case closed and is not pursuing the thief or thieving enterprise who STOLE my money!!!
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Other fee — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I was charged a Foreign Transaction Fee by my credit card when I had no idea that I was making a purchase from a foreign firm. 
Details : I purchased a music app subscription from a website called XXXX from my computer in the US and was charged in US Dollars. My card agreement does allow for a 0.8 % transaction fee to be charged for foreign transactions made in USD. My issue with this practice is that I had no idea that I was making a foreign purchase and I do n't believe the " reasonable person '' test applies either. I bought from a .com domain from a US computer and paid in USD. My receipt has a XXXX XXXX address at the bottom. Nowhere on the website does it mention that the firm is based in XXXX. 
My bank did agree to refund the fee one time as a courtesy, but I have an issue with the practice of charging a fee when a reasonable person has no reason to know that he/she is going to be charged.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX charge off XXXX sold to XXXX XXXX. 

Date of last payment XXXX Have asked for deletion since it over the 7 year mark : XXXX will not. Experian will not.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (NY)

EXPERIAN CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I currently have a Capital One Platinum Card which has a {$59.00} annual fee. I rarely use this card and would have liked to downgrade to a basic card ( e.g. XXXX or XXXX ) which does not have an annual fee. I did not want to close the account to adversely impact my credit. However, Capital One said that I was unable to switch to a no-fee credit card product. So I had no choice to cancel the Capital One Platinum Card to avoid paying the {$59.00} fee. [ NOTE : I was involuntarily upgraded to this fee-based product a few years ago, I kept it because I did n't want to hurt my credit, however I can no longer justify a {$59.00} fee for a product a rarely use ).
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On my Transunion credit report - the service has the following accounts listed that have nothing to do with me. I have not authorized anyone to use my name to acquire credit from these companies. I have been in a XXXX from XX/XX/XXXX until XX/XX/XXXX. I have had many problems with identity theft during my absence from the XXXX. I am trying to clear up the discrepancies. 
XXXX XXXX - ( Closed - Derogatory ) XXXX - ( Closed-Derogatory ) XXXX XXXX - Closed -Derogatory ) These accounts are not my debt, not my responsibility.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The following information XXXX XXXX is reporting on my Equifax and XXXX credit report is false and inaccurate. 

1. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$6700.00} by the Bankruptcy Trustee.

2. XXXX XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee.

3. XXXX XXXX is reporting the account as Transferred to recovery. This is not correct. This account was properly included in Chapter XXXX  filings and the Chapter XXXX   Bankruptcy was Discharged on XX/XX/2016.

4. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Riverwalk Financial Corporation (FL)

A collection from DEVILLE MGMT showed up on my credit report. I have not outstanding debt. I tried to contact them but the information on their website is just puts you in a holding pattern and no one answers. Also no communication about the debt just showed up on credit report as mixed CC???
Consumer complaint received 2017-02-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

XXXX was originally in the names of XXXX and XXXX Original loan was then sold to a company called XXXX out of XXXX. There was several attempts to contact them about a payoff on the loan. First call, no payoff was given, but a letter was mailed out. A check was mailed out for the payoff on the loan, on XXXX/XXXX/17 and never cashed. Then several attempts were made to call about receipt of the check, and they said XXXX was not a on the loan. This statement was incorrect. Payoff letter did not state that the amount due could not be paid by personal check or that the amount must be paid via wire only. It states " FUNDS XXXX BE WIRED ''. Very misleading. They had the check for over XXXX days and it has still not been returned. It seems that every time you call the XXXX number for XXXX, you can hardly get a person. They make it very difficult to navigate or get information from their company. There are so many menus to go through and then the system just hangs up. Then when you get a person, they wo n't tell you anything. They have made paying off this loan very difficult. This company is NOT consumer friendly at all. I advise not using this company. This company is listed as : SLS, XXXX, XXXX, CO XXXX Phone : XXXX
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I returned over {$80.00} worth of brand new merchandise at the beginning of XXXX. I have faxed in documentation of the return ... I have called several times with a promise of the account getting credited. To date, XX/XX/XXXX, I still show a balance for this amount on my credit card. A return to be credited to my account taking 2 months is beyond unacceptable. PLease help
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XXXX XXXX, 2016, I called Capital One 360, regarding a fraudulent transaction on my checking account. Someone hacked into my online bank account and sent a cashier 's check to a person I do n't know, XXXX XXXX, in the amount of {$2000.00} on XXXX XXXX. In addition, I was charged a {$20.00} service charge for this fraudulent transaction. I told Capital One 360 that the amount of {$2000.00} had been deducted from my account because of the fraudulent cashier 's check from someone hacking into my online bank account. Capital One 360 told me they would contact me within 48 hours to setup a new bank account, and my money would be redeposited into my new bank account because it was removed fraudulently from my old bank account which was closed by Capital One 360 on XXXX XXXX when I reported the fraudulent transaction. 

As of today, XXXX XXXX, I have not heard back from Capital One 360 regarding my money, I am out {$2000.00} and no one from Capital One 360 has contacted me as to where the {$2000.00} is or how to setup a new bank account and deposit that amount into my new account. I called Capital One 360, fraud department on XXXX XXXX, and they asked me to send a screenshot of my iphone to check for malware, which I sent to Capital One 360 on XXXX XXXX via email. I also called Capital One 360, on XXXX XXXX because I had n't heard back from Capital One 360 regarding the {$2000.00} that was fraudulent taken from my bank account. Capital One 360 told me to resend the screenshot of the malware check that I did on my iphone which I resent on XXXX XXXX. 

As of today XXXX XXXX, I have n't heard back from Capital One 360, regarding my missing money {$2000.00}, which I am expecting to be reimbursed into a bank account in my name.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been with capitalone for about XXXX or XXXX months and they have closed my account with out my knowledge, and i have been paying good on time, and XXXX because my check didnt go through XXXX in the XXXX months that i have been with them, i called them to get this resolved, i even paid with a different card, and they ignored me, I guess they in bussiness not to satisfy the customers, because I am very dissatifyed with them.very very disappointed.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX XXXX Report Number XXXX, Consumers XXXX XXXX XXXX account number XXXX, XX/XX/XXXX TransUnion report XXXX, XXXX  XXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX Report Number XXXX, XXXX  XXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a 100 % service connected XXXX veteran. I had to declare bankruptcy XXXX ( XXXX ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original XXXX agreement. I have never been late. I contacted the Credit Union by phone and letter several times but this loan still shows up on my Credit Reports as being XXXX in the bankruptcy and a XXXX balance, which it was not. I spoke to the Credit Union and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form XXXX, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. XXXX  in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the XXXX XXXX should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX  XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT XXXX.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capitol One put a 30 day mark on my credit in XXXX 2016 but my bank Capitol One rejected my deposit and I was given different reasons as to why they did that. I need all of the credit marks removed, I have asked Capitol One bank to send a letter detailing this information but they claim they ca n't send a letter just the terms and conditions. I need a letter that states they received the amount of {$340.00} but they sent it back, a supervisor advised me that they ca n't do that. It is not my fault that Capitol One Bank rejected my deposit because it was money orders, but their website does not say they do not accept money orders. I do not think I should be punished for what Capitol One bank did to my deposit.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

HELP! URGENT - I sent in all the paperwork on XXXX XXXX, 2015 to do a {$900000.00} loan modification. I was called last week and told that I was denied because my loan was over {$720000.00} by XXXX XXXX. I said this is crazy because XXXX XXXX sent me paperwork to get a loan modification back in XXXX, 2015 and she knew my loan was over {$900000.00}! I received a letter yesterday from XXXX XXXX stating that I did not provide a " Real Estate profit and Loss Statement ''. This was the reason for the denial. I never received any documentation that I needed to provide a real estate profit and loss nor do I have a real estate company. How can this be??? 
XXXX XXXX also said they responded to my inquiries on XXXX XXXX and XXXX XXXX. 
There was nothing about a real estate company in either of these letters. They were for the benefit of you. XXXX XXXX also said that the foreclosure sale " is less than 37 days out '' - IT IS XXXX XXXX - a week away!!!! 
There is a web-site called XXXX that lists everything I have been going through. Someone took a lot of time to create this web-site and if you review it, I think you will see how so many of us are being lied to! They never even looked at my information, they just want to get us out of our home by waiting until the last minute ( right before a sheriff sale ) to deny us on the loan and basing the denial on XXXX different items which are totally incorrect:1. loan over {$720000.00} ( then why did I fill out all the documentation???? ) 2. no real estate profit and loss sent ( I was never asked for this and I DONT OWN A REAL ESTATE COMPANY SO COULD NOT HAVE PROVIDED IT ) Please help. Wells, Fargo Home mortgage needs to be investigated totally. I have written to the CEO also. 

CC : XXXX, XXXX LAW FIRM
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (TX)

XXXX report dated XXXX/XXXX/2016 showed Wells Fargo Card Services, Credit Bureau Dispute Reso, XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX has requested XXXX separate inquiries for credit history. On XXXX XXXX, 2016, XXXX, current employee of Wells Fargo stated after the original inquiry for approval no additional credit inquiries are needed. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contacted. XXXX stated credit inquiry would be requested only once, unless the customer requests a credit increase. On XXXX XXXX, 2016, XXXX, a current employee of Wells Fargo, was contracted. XXXX stated the credit inquiries are ran just once. However, XXXX credit inquiries have been made to obtain copies of my credit history. 
According to the employees this is in direct violation to company policy. Wells Fargo is the third largest Bank in the United States and does not have employees running credit inquiries on a monthly basis for the large number of customers that they have. My account is in good condition, an credit increase has not been requested, and I am not involved in any type of debt resolution with Wells Fargo. It is my belief the inquiries are not being used for a work related reason. Therefore, I am requesting an investigation into what my credit history is actually being used for and who is this information being given to since the company does not have any use for the information.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

I had  XXXX  store credit cards with Synchrony Ban k Walmart and Sam 's Club st ore cards. Then in late  XXXX  early  XXXX    XXXX   my  XXXX  cards were blocked because o f Fraud is what I was told. The fraud was that there were several accounts opened up in my name within a short amount of time all with Synchrony Bank. These accounts were fraudulent as I did n't authorize this. So instead of just closing those accounts they blocked the accounts that were mine Walmart and Sam 's Club and sent me a report to fill out wanting my tax documentation and I refused to do so because that was n't the  issue. So I had to close my  XXXX  cards along with the fraudulent accounts. I hav e since received four letters  from Synchrony which is attached stating that those  XXXX  accounts that were opened was fraudulent because I sent an FTC Affidavit and Police report. Now, my issue is why did n't they re-ope n the Walmart Store card and the Sam 's Club Store card which was blocked because of all this mess an d was my accounts.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We repeatedly requested a loan modification from Rushmore Loan Management Services and even though my husband on XXXX and that was why we were looking for reduction from our 6.5 % interest they kept turning us down saying our income to debt ratio did n't fit their criteria for in home modification. We missed 3 payments, XXXX and XXXX XXXX and XXXX XXXX. Began sending payments again every month but starting XXXX XXXX Rushmore started denying acceptance of payments because we were n't paying off missing payments balance. Finally this month they denied our modification for the last time and demanded almost {$40000.00} in reinstatement quote including almost {$1000.00} in late fees and almost {$7000.00} in " Corporate Advances '' which were n't listed individually. Managed to get loan to pay this amount, then the Point of Contact called me after we XXXX cashiers check saying she had forgotten to include XXXX amount in quote and we owed another month. Agreed to reduce by the late fee. Also the value of house they also based part of denial on was taken from the web site XXXX. They never sent an appraiser to house. XXXX has our house incorrectly listed with more bedrooms than we have. We feel unfairly treated for consideration of a modification based on our loss of income from my husband working full time to being on XXXX. When they did deny us, they sent a letter stating what any of the numerous reasons might be without checking any specific denial reasons also.