davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo HELOC Submitted HLOC application online on XXXX XXXX XXXX Although Wells Fargo portal Under Review states " May take up XXXX to five days '' has been taking much longer. 
All documents required by Wells Fargo online portal were uploaded within a few days of application but the Home Equity Specialist kept asking for documents that had already been uploaded. 
A few days prior to XXXX XXXX XXXX I raised a XXXX discrimination complaint on the basis Wells Fargo asked for my XXXX divorce documents ( I 'm male ) but not those of my wife. This resulted in Wells Fargo then asking for my wife 's XXXX divorce documents. 
Every week Wells Fargo ask for more documents. 
I feel I 'm being discriminated against because I raised a complaint. 
The application process has now been three months ; Wells Fargo continue to ask for documents and still no closing date given.
Consumer complaint received 2016-02-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (CA)

I have a private student loan with Wells Fargo Bank, Thus far they have attempted to collect my debt from ONLY XXXX co-signer. The one who happens to be the richest our of all of my co signers ( I only have XXXX loans and XXXX co signers ) I am trying to consolidate the XXXX loans. They have rejected the XXXX co signer I have ( My spouse ). I am an XXXX and do not have anyone else to offer up as a co signer. When I explained this to Wells Fargo, I was told that did not matter that I would have to find a co XXXX or pay the monthly payments as they are written out per the terms of the loan. I have gotten them to verify that they are charging me XXXX the interest rate that was agreed to. When asking for an explanation they had none. All I am trying to do is lower the payment, what they want and what I can afford are XXXX different things. Currently my XXXX in Federal Loans is cheaper that the XXXX I owe to Wells Fargo. Wells Fargo has admited to not contacting me to advise that loan payments were due, They contacted my co signer and advised him that he was required to pay the loan in full or be subjected to a negative credit report. Today I called Wells Fargo again attempting consolidate or re negotiate my loan pmts. I was told that there was nothing that they could do until I found a new co signer.
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

XX/XX/2022 I sent dispute letters to XXXX, Experian, and XXXX. Disputing the accuracy of the inquiry. It has been over 30 days and I have received no response.
Consumer complaint received 2015-06-12
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY (OR)

I contacted my loan company to set up a arrangement to get my loan caught back up, since I had to move towns and jobs because they gave the other party on the loan my information after knowing there is a no contact, restraining order and that they are in prison so who ever is calling is not that party.do to my info being given out my truck has been vandalized so I moved again. So I am now moved and I made the arrangement to get my loan caught back up. I made the XXXX payment on time and even called them after leaving the local branch bank to tell them I had made the payment but there servers were down. I asked if they needed the tellers name and number so they could confirm the payment and was told no. So the following day and everyday after that the number I called from has had calls XXXX and XXXX times a day Monday thru Saturday from the bank. They have told the company it is not my phone and to stop calling. I feel this is harassment. I made my payment and am waiting on my next payday to make my next payment. I told them I was changing banks as well and waiting on my direct deposit to be set up. I have an account set up that is strictly for my payments and that I have a direct deposit set up for that money. I just have to wait for it to be switched over. I even set up the account at a branch of there bank so it would be all same day transfers. I am doing my best to keep them informed of what is going on and make my payments to get caught up, but to have a different person keep calling everyday to change what was already arranged i feel is harassment and an embarrassment this was a friends phone number. this is all being done by Wells Fargo Dealer Services Out of XXXX XXXX
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XX/XX/2020 I sent Letters to Experian, XXXX, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I submitted documentation to recertify for  my IBR plan. FedLoan cal culated it incorrectly for the 2nd year in a row. I file a joint return with my wife, and we both have federal loans. It should be calculated as a total amount which we both pay a proportion of. Both years, they correctly calculated the payment for one of us, then calculated the payment for the 2nd person as what should be the combined total. For instance, this year our income went up by about 10  % ( from {$170.00} to {$180.00} ). My wif e 's payment went up by  10 %. Mine was increased by about 30 % ( from {$540.00} to {$840.00} ), to w hat should be the total combined payment for both of us ( {$840 .00} ). I tried to email Fedloan about this (   XXXX   XXXX  ), and got an email saying they were processing my email ... then a few minutes later received a form email directing me to their FAQs and saying I would not be able to get a response from them via email. This is a major issue that needs to be addressed - you ca n't say that you can be contacted via email and then not actually have a way to have an issue resolved via email.     I was able to call and have it resolved after I spoke to a customer service agent. However, my bigger concern is that if this has h appened to me two years in a row, I 'm probably not the only person affected, and other peopl e may be overpaying ( especially if it is incorrectly calculated the first time they certify and they do n't have any point of reference for an appropriate payment ).
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MN)

Although proper insurance information was provided on multiple occasions for our mortgage loan on a townhome we own, Ocwen forceplaced insurance. This exact same situation took place back in XX/XX/XXXX where we provided the information XXXX times and had to file a complaint with the CFPB in order for Ocwen to cancel the forceplaced insurance. Back in XX/XX/XXXX, we were told this would not be an issue going forward. Not only is it an issue but our HOA did n't change insurance agents so it makes zero sense that they would need new insurance coverage as our current coverage was in effect still. 

On top of that, the forceplaced insurance binder they provided in our letter dated XX/XX/XXXX has effective dates of XX/XX/XXXX to XX/XX/XXXX. If it was for last year why on earth would they be sending it now? If it 's for this year, why have they not used the information that we have provided to them on multiple occasions? 

Ocwen is an embarrassment to the banking and mortgage industry and clearly has not taken the needed steps to address the previous complaints and enforcement orders. As a Certified Regulatory Compliance Manager for a FDIC regulated community bank, I am absolutely disgusted by the actions of Ocwen.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (ME)

I contacted XXXX XXXX  regarding a XXXX card that I paid off in XXXX of XXXX. Upon receiving a credit alert, I logged in to find that they reported my account delinquent with a XXXX and 60 day late payment. My first contact with them was XX/XX/XXXX. They said they would remove finance charges of roughly {$4.00} that I wasnt notified of after my final payment along with the delinquencies. I was only checking XXXX at the time. It took a couple more phone calls before this was successfully removed from XXXX. Several months later, I realized that it was not removed from XXXX and was dropping my score. I notified XXXX again believing it to be their issue. They stated that it was the credit bureau not fixing it. I logged a dispute with XXXX. The results stated they could not remove it as it was accurate. I called XXXX again. XXXX for roughly the 5th time assured me that I have no delinquency on their side and they will submit this to the credit bureau again. XX/XX/XXXX, XXXX drafted a letter stating that they couldnt remove anything as there was nothing left to remove. I logged in and saw there were still a 30 and 60 day late payment on XXXX. I called XXXX  AGAIN on XX/XX/XXXX to find out what I can do as I have now thoroughly disputed this error. They stated they would send to customer care. I received electronic communication a few days later with a link to a letter from XXXX stating that all delinquency from XXXX and XXXX of XXXX would be removed. I was leery of the dates as Im not sure whether those refer to the dates reported or the dates they have for the missed payments, but figured I would wait and see. Almost immediately I received an alert from XXXX that my account improved with a date reported of XX/XX/XXXX. I was thrilled. The next day, I saw I had an email from XXXX stating I had delinquency reported on the same account on XX/XX/XXXX. I am unable to determine whether XXXX has any fault in this, but the back to back alerts from XXXX leads me to believe they are interpreting the information incorrectly. Im mentally exhausted from trying to fix this. XXXX ASSURES me that this closed account has no delinquency and it was removed in XXXX of XXXX. Ive been fighting ever since to have my credit reports accurately reflect the type of borrower I am. I dont know what else I can do, but each phone call is followed by several weeks of wait and see leaving me with an inaccurate credit score that affects my worthiness as a borrower. Please help me. 

XXXX XXXX
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XX/XX/2020 I sent Letters to XXXX, Equifax, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I surrendered my property as part of bankruptcy in XX/XX/XXXX. I was discharged in XX/XX/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MI)

I signed up to get all XXXX free credit reports on http : //freecreditreport.com/ on XXXX/XXXX/2016. I also disputed information to all XXXX credit reporting agencies and those things were taken care off. XXXX of those steps required an Experian, XXXX and XXXX logins to be created. I noticed that they charged me {$21.00} on XXXX/XXXX/2016. I logged in into Experian.com to see the situation. Their opinion is that I signed up for Experian Credit Tracker. I cancelled it right away on XXXX/XXXX/2016. I never signed up for that service. I already have the same Experian Credit Tracker through Experian ProtectMyID. I talked to Experian customer service ( XXXX, id # XXXX ) on XXXX/XXXX/2016. They said that they would not refund {$21.00} money.
Consumer complaint received 2016-08-01
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

i opened up an account at TD Bank located at XXXX XXXX NJ XXXX approximately 3 years ago for the purpose of converting collected coin for cash. this account was a NO FEE account and on my visit to the Branch on XXXX XXXX, 2016 I was informed the account was closed but they could not provide me any details as I had approximately {$110.00} balance a branch associate XXXX requested reports and promised to call me and never responded and again called back on XXXX XXXX and promised XXXX XXXX the branch manager would call me. Today I called back and found out XXXX is no longer t here an XXXX is on vacation. my account should never have been charged a fee as that was a special account I was told is now grandfathered and should keep it open. I am entitled to my funds and want it returned.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have incorrect information on my credit report. I went to dispute items that were incorrect again and experian will not let me do so. Message came up that i have already disputed these XXXX items and will not re-dispute the information. I tried to add a statement as XXXX item was a result of identity theft and again it would not allow me to add a personal statement. Now i need to spend my time on the phone again tomorrow to call experian and I want these items re-disputed. It 's not right that I have identity theft on my credit report which is affecting my credit score and they wo n't remove it. I also contacted the ceo of XXXX to complain as I was getting nowhere trying to contact XXXX XXXX customer service. There are also items reporting as potentially negative for a late payment. When in fact I have valid proof from the bank that these items ( XXXX ) should be reporting as accounts in good standing.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am requesting that the bureaus provide proof of my consent or verification of where I gave permission for the credit bureaus to report my bankruptcy. My county clerk office has verified with me that they do not report individuals case filling data to credit reporting agencies, nor do they update information directly to the credit bureaus. I would like a copy of this consent or verification.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (TX)

I looked at my credit report in XXXX. I had a Target charge off for {$860.00}. XXXX also had an account for this listed on my credit report. I had a Target card several years ago but it was a very small limit and nowhere near XXXX. I call Target at XXXX and told the rep what was going on and they told me to contact XXXX. I then contacted XXXX. They had no information on the account and could n't tell me anything about it. From this they removed their entry on my credit report. Since I could n't get any information from XXXX I called Target back at the same number. When I would call the rep would tell me they needed to transfer me to another department. They would transfer me to a line that nobody would ever answer. This was done 5 times and each time I stayed on hold over XXXX minutes and each time I called back I was told I was being transferred to another line and would n't have to wait. Finally I called and a lady gave me a different number to call. It was XXXX. I then called this number and they told me they could n't help me because they could n't find any information so they gave me a different number. This number was XXXX. When I called this number they said they could n't help because they had no information and to call XXXX. I told them XXXX did n't have any information either and removed their entry from my report because of it. After over XXXX calls to Target I was told me to mail them a letter. I forgot to mention this but I had previously disputed this account XXXX. All XXXX said that Target confirmed the debt. I then mailed a letter to Target on XXXX XXXX that they received on XXXX XXXX. This letter informed them of everything that had happened and asked them to investigate the amount owed and it 's validity. I have yet to receive anything from Target. Per the FCRA XXXX Target had 30 days to investigate and respond to this but they have not. I 've given them over XXXX days between phone calls and certified mail. I would like this account removed from my credit reports or I will file suit.
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

XXXX XXXX university inflated their abilities to land students with jobs as well and the salary amount. And when I was initially given the loan for the school I was working a part time job, and they didnt even ask for a co-signer. The loan amount was XXXX for XXXX XXXX University. I have had issues paying my private loan due to the amount, even with income based repayment. Some years back I was having trouble paying my private loan and they rushed me into forebearance without offering any other help or repayment possibilities. Multiple times they have tried to push me into forebearance and then today XX/XX/18 I made a phone call because my job start date was pushed back and the lady I spoke with on the phone asked me 3x if I wanted forebearance and I said no each time because I do not want to add to my principal. And after the 10 minute conversation, she stated, ok well let me process this forebearance for you and she asked me if I agree and I once again stated no. This deceptive practice is why my original loan went from XXXX to XXXX initially. And now Im saddled with these loans that Im struggling to pay and Im fed up with it. There was income based repayment options offered this time but at the end of that conversation is when she threw in processing the forebearance. There is zero explanation on what forebearance does and the only reason I know now is from ample research. This company ruined my life.
Consumer complaint received 2019-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (TX)

Re Account # XXXX at BB & T Bank BB & T Bank has refused to close my deposit checking account and has charged service fees even after a written request to close the account was submitted. BB & T further will not allow me to withdraw funds from the account using bill pay, debit card, or check. 

On XX/XX/19, I sent a message to BB & T Bank via their secure online message center. The message stated " Hello. I'd like to close my BB & T deposit checking account : XXXX. Thank you, XXXX XXXX. XXXX. '' They have refused to close the account. 

On XX/XX/19, the account still hadn't been closed and I was assessed a {$12.00} " MAINTENANCE FEE. '' I followed up again asking that BB & T close the account and reverse the fee since I'd submitted a written request to close the account five days earlier. They refused to reverse the fee and again refused to close the account. 

I've since followed up multiple times asking that the account be closed and that the matter be escalated to a supervisor for resolution, but they have continued to refuse to resolve the matter.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: MB FINANCIAL, INC. (IL)

Our bank for decades ( XXXX XXXX, XXXX XXXX, IL ) was absorbed by MB Financial. Their online system does not provide the same service as the old system, which is okay, I can do things manually. However, I need my ( XXXX ) statements every month and they now want to charge me {$3.00} apiece to have them mailed to me. This is a small business account and comes to XXXX pages a month. How can they be allowed to hold my information hostage in this manner?
Consumer complaint received 2018-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (ID)

on XX/XX/XXXX I got a call from PennyMac about lowering rate and lowering my payment. When I called in I was told that I could not lower my payment because it would cost to much. This is not the first time they have called and said that they would lower my rate and payment and told me after I called them back that they can't do it. On XX/XX/XXXX I was very clear with PennyMac that I no longer wanted any communication phone, email or mailed unless it was my statement and to cease all communication. I was told they would note the account and was told to have a nice day. on XX/XX/XXXX I got an email from PennyMac asking me to call them back to lower my rate once again. When I called in to ask why they are still sending me emails I was told that the agent had no idea and that he could clearly see that the account was noted to no longer contact me.
Consumer complaint received 2017-01-24
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Selene Finance LP (NY)

Selene took over servicing of my mortgage I have sent letters requesting verification of the debt the modification that XXXX had and how to continue with the modification ... ..they have ignored my repeated letters and calls and have just moved forward with the foreclosure which is tomorrow XX/XX/2017
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (IN)

Amshire Collections is attempting to collect a fabricated amount even though I have made due effort to make them aware of that. In XXXX 2012 I contacted XXXX XXXX to cancel my account because I thought their services were outrageously overpriced. The account representative said she would apply a " loyalty '' credit to my account, thus locking me in a XXXX month contract without consent. Upon canceling my account I was notified that I would need to pay a {$170.00} contract termination fee for a contract that I never entered. Amshire Collections has failed to provide me with any proof that XXXX XXXX had any sort of a contract with me to validate this fee or an itemized statement breaking down the charges that I owe.