davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On XX/XX/2018 I closed two loans with Union Bank. My complaint is that they charged me for the application fees which was in the amount of {$550.00} for each loan. I paid that when I first applied back in XX/XX/2018 for a refi with cash out. They told me they would not do cash out just rate and term, so I went ahead and did rate and term with just enough cash out to cover closing cost. The escrow company, XXXX XXXX XXXX XXXX, called me and asked me to sign docs on Saturday XX/XX/2018 at XXXX which I did. I noticed when I was signing docs for Notary person that there was an application fee of {$550.00} of each loan again. I told escrow person that I already paid app fee for each of the two loans back XX/XX/2018 and he told me it was probably just a mistake and that the escrow officer would remove it on monday but I should sign docs anyway because my rate lock would expire on the following monday so I signed. Called escrow officer on monday and was informed that Union bank would not remove this second app fee. Wrote to Union Bank about his matter and they refused to return my money period. Please see attached. 
Union bank claimed its two different loans but its not and the rate lock is the same one they used from back in XX/XX/2018. They ripped me off for $ XXXXVery shady Bank.
Consumer complaint received 2018-01-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (LA)

In XXXX Id fallen behind on my mortgage and was working on a modification with XXXX XXXX  that was taking forever.XX/XX/XXXX  there was a huge flood in XXXX XXXX that took at least 65 thousand homes including mine with 4ft. of water taking everything I owned except clothes on my back and truck I left in. 
Still going through modification, gutting house, finding new place to stay and get life back on track - not easy after all this. 
XXXX XXXX insurance finally payed for damages but because house is in modification the mortgage co. will not release the funds to repair the house. XXXX XXXX Changed its name to XXXX XXXX and sold my loan to XXXX XXXX and the modification process had to start all over. Going back n forth with paper work the loan went back into foreclosure status. On XXXX XXXX I received a letter asking for more paperwork and on XXXX XXXX house was sold in Sheriffs sale with no knowledge by me. Getting home on XXXX XXXX finding a letter on my door stating home was sold and I need to vacate in property ASAP. 
Talking to the flip company that bought the house in sheriffs sale informed me I should be intitaled to the insurance money sense the mortgage co. and I have no more ties with property. Ive contacted XXXX XXXX   about this and I get hung up on, told dont know what your talking bout or just given me the runaround between departments. 
Should the insurance money be available to me because of the situation? 
Please help!!!!
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXXXXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I opened a new checking account with promotion offer from Chase bank in XXXX, XXXX. I met the requirement in the offer but has not received the bonus of {$300.00} as advertised. I kindly request the bank honor the offer and pay the bonus.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (WA)

The collection agency is reporting an account on my credit report that I do not believe is mine. I called the collection agency and asked them to validate this account by mail. The company said that they could not validate the account, and that Inwould have to contact the original creditor- XXXX. I contacted XXXX, and they were not able to validate this debt. XXXX told me that they could not remove a collection account off of my report, because they are not reporting an account to my credit report. The agent told me that the company reporting the debt is the only company that can take the debt off of my report. The collection agency already told me they could not validate the debt because they do not have information on the debt, yet they are still reporting the account on my credit report.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Deposit to savings account was unauthorized can you provide me image of check also proof of payment or proof of receipt deposit date XX/XX/2017 account # ending in XXXX and check # XXXX amount {$20000.00}. ( item # 2 in document submited ) item # 1 deposited through your atm on the same day for the same amount. 
account # ending XXXX check # XXXX amount {$20000.00} i do have the image for that item i am requesting the image for the counter deposit for XXXX on XX/XX/2017. 
thank you.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

The card company sent an offer for {$150.00} reward points if {$500.00} is spent within 3 months of the card being issued. I applied onXX/XX/XXXX and received the card and activated it onXX/XX/XXXX. I then used the card on XX/XX/XXXX for a total of {$510.00} meeting the requirement for the rewards. After receiving my statement and calling their customer service to have the points applied to my card balance, I was told they could not do so as they had a fraud alert on the account. Noone could tell me why. They asked me to send documents to establish who I was, which I did until they asked for copy of my social security card. I had already sent copy of a utility bill and drivers license, but have been told to never give copy of the SS card except to medical etc. I was told then that I couldn't even use the card, even though no one had ever reached out to me about that. One of the people I talked to agreed that since I couldn't use the card, the account should be closed, but said he would apply the points before closing. That didn't happen and now they say they can't apply the points because the account is closed. Their statement shows {$150.00} in points I want per the card agreement.
Consumer complaint received 2016-09-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Crown Asset Management, LLC, Duluth, GA Branch (IA)

This matter has been going on for over two years. XXXX sent various mailers to my home soliciting my business. I refinanced my Truck XXXX XXXX, XXXX through XXXX XXXX XXXX XXXX, in which I purchased GAP insurance and have provided a email confirmation from the original auto loan facility. I later found out that XXXX XXXX XXXX XXXX were n't licensed in my state to originate a loan. In which that is a state requirement. What I purchased and was quoted was n't what I received. XXXX XXXX XXXX XXXX altered The XXXX 's Gap insurance form for their own financial gains. XXXX does n't offer Optional Deficiency Waiver Addendum. Attached is XXXX 's official form vs what XXXX sent to me XXXX 's form was altered. Now a Debt buyer is trying to sue me for the deficiency balance. I surrendered my truck XXXX XXXX, XXXX in which my car was sold through auction on XXXX XXXX, XXXX within the 60 day window in which it is outlined on XXXX 's Website that the deficiency balance will be covered. The GAP insurance company paid on XXXX/XXXX/XXXX XXXX along with XXXX towards my deficiency balance. My truck was also sold for XXXX. Crown Asset Management is attempting to sue me for a deficiency balance in which that is a matter that they should be addressing with XXXX Coverage. My Credit has already been penalized regarding this car and the car is sold. I did not originate this loan through Crown Asset Management and have made attempts to get this matter resolved with Crown Asset Management and still to no luck. To add insult to injury the product that I was quoted is n't what I received. I have filed a formal complaint with the state of Wisconsin 's Consumer protection, I have previously filed a complaint with CFPB. When I refinanced my truck, my goal was to lower my interest rate and protect myself from any unforeseen incidents. ( the reason for my GAP insurance ) This transaction was a clear violation of state regulations along with Fraud.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CO)

I was charged a late fee by XXXX XXXX XXXX XXXX. I provided proof that the payment was sent on the XXXX of the month with a guaranteed delivery by XX/XX/XXXX. They did not process the payment until XX/XX/XXXX, and stated that I had to prove that they received the payment before XX/XX/XXXX to get a late fee waiver. This is not only unethical, it is impossible. I can not prove to them that they misplaced or delayed the processing of the payment, only that I made the payment on time.
Consumer complaint received 2017-11-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (TX)

XXXX XXXX Nelnet, Thank you for the response. Now you are stating that these are tactics and this is fraud, but did not provide any information requested by affidavit ( commissioner of the court ) to prove that this debt has indeed has not been paid. Are you stating that the law HJR 92 IS FRAUD? Are you stating that these options of ACCEPTED FOR VALUE and exemption is FRAUD? Please provide the REAL STATEMENT OF ACCOUNT that will show you that this IS NOT fraud and your company is committing fraud and this has been paid. I am not afraid of the law and a commercial lien will be filed. Now you have attached a contract ( NOTHING WITH YOUR NAME OR COMPANY NAME ON IT THAT SHOWS I CONTRACTED WITH YOUR COMPANY ) nor did you attach your jurisdiction are the full statement of account on the private side to prove this debt. All these items have been requested from your company because my student loan is closed on my credit but was apparently sold to company and that contract was requested as well. You are a collection agency and again are no where listed on my loan. Your company did not loan me anything. Have the company that is listed on the loan to contact me or show me your jurisdiction contract with the company and lets see who the fraud is. I attached the still existing law that states what FRAUD is. 
1. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and NELNET to pay debt collector which will give your company jurisdiction to report this debt on my credit. Please mail are attach all requested information by affidavit that has been sent to your company, with the AUTHENTIC statement of account.
Consumer complaint received 2017-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

I closed my Coinbase account a few weeks ago and asked to have a check cut and mailed to my residential address, which they have on file. That did not happen so I opened a second support case, asking again, please cut a check and mail to my address. Not only did I not get a response to either customer support case, the second case was apparently erased from their records. The amount of money involved is relatively small. However, I had also asked them to delete all information about me in their DB as they appear to be a very amateurish operation. - scary for a " financial institution ''.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Innovis (OK)

I have two hard inquiries hitting my credit report that I di not authorize. 

1st XXXX XXXX, PA XXXX ( XXXX ) XXXX 2nd XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JLU Asset Management Group LTD (OH)

The first call I wastold about owing the debit. I questioned the debit and requested an invoice. The collection agency then gave me a number to call to find out more about the debt. The number was to an over seas call center who informed me they could not send me an invoice because the invoice would be marked as paid. I then call the vendor ( XXXX XXXX ) who indicated that I did not owe anything to them and they did not send it to collectiona. The vendor called debt collection and took care of the matter. A month later I received another call from this collection agency on the same debt. I indicated I did not owe this, the vendor does not think I owe them, and to stop calling me. I was then told that they would decide the matter for me. When this collection agency calls it is a robo call and even if you answer the phone they just give a recorded message to call back.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These 5 duplicate accounts need to be verified or deleted
Consumer complaint received 2021-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (KS)

In XX/XX/XXXX, I made a payment to Flagstar in the amount of {$1200.00}, to be applied to my escrow account. The money was misapplied : 1 ) a part was applied to a future payment ; 2 ) the balance to the principal. This was NOT the direction I gave when making the payment. I continued making my payments timely and in full, not realizing that the payments were ahead because I often make extra payments per year to pay down the loan balance. Now a year later I learn that the {$1200.00} was NOT applied to escrow, resulting in an increase of my monthly payments from {$810.00} to {$1000.00} per month. Additionally, I now have a new escrow shortage balance of {$1800.00}. I just learned this today XXXX XX/XX/XXXX XXXX, even though I have been reaching out to Flagstar for weeks trying to understand why my monthly payment was going up so much. 

I feel like this company is making me PAY for their mistake. They are unwilling to correct THEIR error, but instead are forcing me to pay. I feel that people should be warned about Flagstars practices and how they do business. I am a person who pays my bills timely and do not deserve what's happening at the hands of this company.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I was a victim of hurricane Irma. I called after the hurricane to get an extension on my loan. I talked to a XXXX in XX/XX/XXXX. She and I filled out all the questions and I was told there would be no problem and that she would be sending me paperwork to sign and send back agreeing to the extension. The extension was for the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I was to start payments again on XX/XX/XXXX. I was contacted again in XX/XX/XXXX about my payment. I went through the process all over again with the extension. This gentleman was very nice and apologized for it not going through the first time and did not have a reason why it didnt. Again I was told the paperwork would be sent out and just to sign it and return it. I was then contacted in XX/XX/XXXX from a XXXX which was very rude and said that I was in default and I owed over {$1000.00}. I told him I did the extension and he said that i never returned the paperwork but I told him I never received any paperwork. He at that time told me that I should have called to see where the paperwork was. He also said i only had 30 days to sign and return the paperwork, which i was never told that by the other 2 people at any time that I can remember. I did send my XX/XX/XXXX payment in and also XX/XX/XXXX payment in on time. After doing the extension for the third time with XXXX the paperwork was mailed out on XX/XX/XXXX and was received by me on XX/XX/XXXX. I did call XXXX back before this because i had not received it and he faxed the paperwork to me, I picked it up, signed it and sent it next day mail on XX/XX/XXXX and was told it would be delivered by XX/XX/XXXX by noon that day. They are still telling me I owe them {$600.00} by XX/XX/XXXX which I disagree with but was told thats the only way to get it out of default. I have called twice and have asked them for my loan payoff and was told that they couldnt generate it at that time and would email it to me within 7 to 10 business days. I called back a week later and was told they would have to put in a written request for my payoff amount because it would have to be hand figured out. 

This has also affected my credit score. 

I want my payoff and I dont believe it takes 7 to 10 days for it. 
I kept up my part of the agreement that I would start my monthly payments again on XX/XX/XXXX and was not late on any payments. 

This has been going on for 19 days now.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (LA)

In XX/XX/2020 I was banking with PayPal and they decided to freeze my account out of nowhere and told me it would be held for 180 days... I even agreed because there seemed like there was nothing that I could get done about the situation. After waiting the 180 days I was informed to wait another 180 days for investigation... I have been waiting for the investigation to be over and be able to use my money since XX/XX/2020 and Still nothing has come of my exhausting year and a few months trying on my own .... please help me.
Consumer complaint received 2018-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Since XX/XX/2017 I have been in contact with AES to inform then that I am in school. They made minimal effort to properly inform me of information about my loan. Every time I have called I've given new information. When I spoke to someone in XX/XX/XXXX they said they sent out an in-school deferment form for me to sign, which I did not receive. I called to ask them to send it again earlier this month, they told me that I should've received it in my electronic inbox instead of by mail and that they would be sending it again that way. A few days later I receive an email stating I am not eligible because my account is in delinquency. I haven't made payment because I have been under the impression that my in school deferment would be rightfully instated, just as it has with XXXX. I contacted them again early last week and they told me that my school never submitted enrollment verification with the XXXX XXXX XXXX. I call the school who provides me with dates in XX/XX/XXXX that they have submitted my enrollment verification. This prompts me to call the XXXX who provides me with all of the dates starting in XX/XX/XXXX that they provided AES with verification of my enrollment. Throughout my multiple calls to AES over the week they give me varying excuses as to why I they can't provide me with in school deferment until finally a manager calls and tells me this morning that it's been five years school my loan has been disbursed therefore making me ineligible for in school deferment and I am out of options. I am distressed by how ineffective everyone I've spoke to has been since my contacting them in XX/XX/XXXX, and my credit score has dropped. Currently I am in a XXXX XXXX XXXX XXXX XXXX program and had I known that I was ineligible for in-school deferment back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth, I would have found a way to make the payments back then so my credit score would not have dropped and my account wouldn't have been in delinquency.