davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OK)

There were 2 charges on my direct express card from XXXX, one on XXXX and one on XX/XX/XXXX, both for the amount of XXXX. I called and spoke to direct express to dispute the charges and was told a packet would arrive in 3-5 days. Nine days later i recieved the dispute form and faxed it back immediately. I called to make sure that the information was received an was advised that it had been and that my claim had been denied for " general reasons ''. When I spoke to XXXX they told me that the card was being used by someone named XXXX XXXX and that I needed to cancel the card because they could not block it from being used again. The business that took my money knows that it wasn't me because the name on the account didn't match the name on the card, but the rude lady at direct express touted that " a very extensive investigation with lots of research '' was performed. When asked what was used to back up the denial she had no answer. She then began to repeat the decision is final over and over when i requested to speak to supervisor.
Consumer complaint received 2019-05-23
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. (FL)

The account balances are out of date and incorrect. This impacts correct information providing input to lenders and the critical calculation of debt to income scores. That alone can pose a negative adverse action of unfavorable rates and terms upon both me and my spouse. The sad fact is these companies are allowed under current law to continue this facade without fear of any retribution for providing that incorrect reporting. By their own admission they are months behind and banks have no law that forces correct and prompt updating of positives, although significantly negatives are posted immediately and errors take months to correct. Sadly by opinion of experience when you deliberately and knowing present false or inaccurate information for consideration under the guise it is correct you have committed fraud. They who allegedly supervise, regulate or define themselves as protective agencies are by nature of non action complicit and accomplices to that deception. Certainly consumers are not allowed under fear of penalty why should these lenders, banks and reporting agencies given a pass given all are ethical, honorable organizations? The facts are even after correcting known errors their reporting is still inaccurate and by fact of system design will ALWAYS BE SO. Hence our FICA and CREDIT scores are lower due to invalid debt to income calculation. Outcome- adverse results from lenders.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (CA)

I opened a account with PayPal I received prepaid PayPal Mastercard I called activated it on XX/XX/19 I asked PayPal how to put money on the card so I could use it to send money to friend, onXX/XX/19 I put XXXX $ on the PayPal card came home sent XXXX $ dollars to XXXX XXXX another PayPal user ok that left {$200.00} on XX/XX/19 try to pay for gas so I could go grandchildren house the card was declined so I called PayPal to see wha was wrong well I was told the put ahold on car til I send them Calif I'd I explained to them I didnt have any identification my purse had been stolen but I will go Monday to get one with my address on it, so idid I sent the receipts that that I had done it but since had no picture on it, it would still have a hold yes I got very upset cause when I applied for the prepaid I should of been ask then and I couldnt understand the man that I spoke to couldnt get help so I decided to wait for picture I'd to come well I call back and ask if I could do anything to get my money back he told no cause was suspicious transaction been done on the account only transaction that was done was the deposit and I sent money out but the man told me I could have money sent to me I would be able to access it and use it, ok I had XXXX XXXX send the loan of XXXX $ back to card well I waited then called finally I was told my card was froze and PayPal doesnt want to be PayPal customer due to the transaction that had been done with card. I said fine how do I get my money back they said I would have to 160 days for it after investigation yes I got angry 160 days they able to keep my money when I only have very lil money to live on each money I'm on a fix income I received SSA XXXX I have no money but that I asked why would you guys let me put more money n the card if you guys already closed the card on the XX/XX/19 she told I was lucky they let me do it but I cant any money maybe 180 days if they decide to I couldnt believe it so I started looking around on internet and I found site where it explain how get my money back it shows so many people getting this done to can you please help me I keep losing this complaint when I try added my pictures of my acct transaction to it
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

XX/XX/2013 my daughter was XXXX and XXXX. She was the victim of a crime and Florida was and is supposed to pay this bill. I have been fighting this for 6 years and it is on my credit report. I have given all copies years ago to XXXX XXXX where she received counseling for XXXX. I did not know this was on my credit till this past month. I have tried to end this. Please tell me why I should have to pay for a XXXX kit and injury evaluation? Please help me.
Consumer complaint received 2019-05-23
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: ERC (NJ)

enhanced recovery CO. LLC XXXX XXXX XXXX. XXXX, FL XXXX. I contacted this company with a second written request requesting original creditors documentation, I do not believe this information is mine or correct. I have never had XXXX phone service! They have not provided me a copy of any original contract with my signature attached. I am requesting all information be removed from XXXX  and XXXX. Again, I have never requested XXXX or had their services. 

thanks, XXXX
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

i have not recieved any notice in the mail from them that i owe them any money, i found out when i say a mark on my credit reports. i have emailed them through their website several time and still havent recieved a respones. if they have tried to call me it was either from a blocked or unknown number and they didnt leave any message
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I received a service from XXXX XXXX XXXX in XXXX, PA. XXXX billed my insurance company and there was a {$130.00} charge payable by me. XXXX sent the bill to the incorrect address and I was not aware of the debt until the bill was sent to collections and I was called by : Transworld Systems Inc. Systems Inc , XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX Acct # : XXXX Upon learning of the debt I immediately paid XXXX for the charges owed. As a result of XXXX XXXX   flawed billing a collection was opened and reported to the credit agencies.
Consumer complaint received 2019-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

EffectiveXX/XX/XXXX we switched from XXXX XXXX  to XXXX XXXX  XXXX for our home owners insurance coverage. Wells Fargo, continued to knowingly put into our escrow account the same amount allocated for XXXX XXXX  ( {$760.00} ) instead of for the new amount for XXXX ( {$1700.00} ). They also fromXX/XX/XXXX  - XX/XX/XXXXonly put into our escrow account 6 months worth of property taxes ( {$1400.00} ) instead of the whole year 's taxes ( {$2800.00} ). So we just received a notice on XX/XX/XXXXfrom Wells Fargo stating that our escrow account is {$3000.00} short and if we pay the amount in full our mortgage payment will increase from $ XXXX/month to XXXX XXXX/month or our other option is to pay the shortage over 12 months and then our mortgage payment will increase to $ XXXX/month. I called Wells Fargo to ask them why we have a {$3000.00} shortage in our escrow account. Their explanation to me was that our property taxes and home owner 's insurance increased. I then called our home owners insurance agent and met with him in his office and I called Wells Fargo with the insurance agent present and after an hour and a half of talking with 2 different customer service agents, the customer service agent admitted that Wells Fargo knowingly continued to allow for the XXXX XXXX insurance amount even after we had switched our policy over to XXXX and now they are requiring us to make up the difference all at once now starting XX/XX/XXXXand that they only allowed for 6 months worth of property taxes instead of the entire year 's amount, which is why they are trying to convince us that our property taxes and home owners insurance has significantly increased. They are also telling us that they now require a minimum balance of {$760.00} in our escrow account at all times for which they did not notify us or disclose to us. Our insurance agent told them that this is not right to to do that to their clients and the service agent agreed with him that it is not right for Wells Fargo to do this. This is the 3rd notice in 3 years since our Mortgage was bought by Wells Fargo that states we are short in our escrow account and that our mortgage payment is increasing. Every year our mortgage payment is increasing.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX I wrote a secured message to Citibank about some issues with their card and they replied in a timely manner ( about 4 hours ) in the email they agreed that if I made a minimum payment they would credit me all interest accrued in the last year. I called in and spoke with a rep that was unable to credit the entire amount but did verify it was supposed to be credited. Upon escalating to the office of the president XXXX XXXX claimed no more was going to be paid and that I was given bad information. He refused to honor what had been already promised to me
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I called into 53 Bank today to check in as to why I was not having up to date credit reporting on my secured card with them and the representative informed me that they was a fraud alert on my card. I informed the representative that I was still able to use my card with no problem and that I was unaware of a fraud alert. I was transferred to a lady who put me through a huge hassle of finding my credit card because she acted like she had no other way of verifying who I was although the many times I have spoken with this department I did not have to have the card in place to go through the verification. The problem I had was that the lady wanted me to talk about some transactions from XXXX here on XX/XX/XXXX. I was outraged at how I would once again have to go through another bombardment of interrogation especially when I just went through all of this months ago. I asked the lady what department as far as FDIC or CFPB regulated 53 bank credit card and she was unaware so I asked if she could speak with her  supervisor and find out and I don't know if they were incompetent or thought it was a joke but i found it ridiculous that the agent nor the supervisor knew what branch of government regulated them as a financial institution. It seemed very redundant to talk to a fraud department to protect consumers but one that was unaware of what government regulated the same laws they are trying to " enforce '' or " regulate.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NC)

On XX/XX/2019, I was arrested on a XXXX XXXX. During my XXXX my ex boyfriend withdrew {$1100.00} from my bank account. I was released on XX/XX/2019. the  following day I went to my local PNC bank and explained the situation. I was told to file a dispute and my money would be refunded due to him taking my money while i was incarcerated. I provided the proper paperwork to show proof and the bank even printed out a report on how the money was withdrawn while I was XXXX. I filed 3 disputes and as of yet the bank denies returning my funds. I even showed proof on how fraud charges and breaking and entering charges were filed with the local police. I was told I should not have a problem with the money being returned due to having enough proof. As of today, they denied me again and claim it was denied due to merchant history. PNc bank had me running around getting all necessary paperwork for NOTHING. If i gave them enough proof, why am I being denied what I had left in my account before I was XXXX. Video surveillance even shows him Taking the money.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

I served notice to Midwest Recovery requesting debt validation on XX/XX/2019. Due to the fact that they have not provided an updated address to the credit reporting agencies, the letter was forwarded multiple times but was ultimately received at their headquarters in XXXX XXXX, Missouri. 

In the meantime, I filed a complaint with CPFB ( XXXX ) stating the same ; that Midwest Recovery has failed to validate my debt. I also disputed this debt with the credit reporting agencies. Midwest Recovery answered the CPFB complaint and stated that they would seek verification from their client, XXXX XXXX, and mail me a validation of the debt. They have not done so. 

However, they HAVE answered the disputes that I filed with XXXX, the credit reporting agency, where they validate the debt and state that it complies with the FCRA. They last did this on XX/XX/2019. However, they have still failed to provide me with ANY documentation pertaining to this debt.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

This complaint is against Citizens Bank of Rhode Island, regarding my checking account ending in XXXX, and an unauthorized E-Check number XXXX ( copy attached ), dated XX/XX/XXXX for {$9700.00} posted on XX/XX/XXXX for which they withdrew funds from my account to make payment to the unauthorized maker of the E-Check. On XX/XX/XXXX I discovered this fraud and Citizens acknowledged same on XX/XX/XXXX. For seven months I have been in constant contact by telephone and letter with Citizens, and they persist in refusing to restore the fraudulently disbursed funds. I filed a complaint through the Office of the Comptroller of the Currency ( complaint # XXXX - copy attached ) which Citizens has acknowledged, but failed to answer ( reference Citizens Letter of XX/XX/XXXX and my letter of XX/XX/XXXX ). Additionally, XXXX has failed to provide information relating to the identity theft that was perpetrated by the unauthorized maker of the E-Check ( reference my letter of XX/XX/XXXX ), Citizens responded with routine bank statements. Citizens has not complied with the requirements of 12 CFR Part 1005, they did not credit my account within 10 days of notification, and have taken longer than 90 days to complete their investigation. Additionally, Citizens has not complied with the FTC Fair Credit Reporting Act Section 609 ( e ) - copy attached. I respectfully request that CFPB direct them to comply with the law, inclusive of them paying me interest ( starting at XX/XX/XXXX paid at their prevailing personal loan rate ) since their gross failure to comply with the 10 day stipulation of the law has prevented me from using ( or investing ) my funds. I strongly suggest that CFPB also audit Citizens specific to compliance with " Regulation E '' as their customer service staff and management either do not have qualification or willingness to adhere to law.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

1 ) Transferred electronically XXXX $ to XXXX XXXX on XX/XX/XXXX using HSBC online banking 2 ) waited for 3 business days and contacted 2nd and 3rd day to HSBC customer service and inquired on transaction status. A ) the online chat representative said - the cash will be deposit to payee in the form of Check ( which I never instructed them to pay in the form of check ) B ) at the same time I called to customer service via phone and the person mentioned that - since you did electronically the deposit will be happen by the end of 3rd business day. It was so frustrating that, why money is depositing in the form of check? with out having any knowledge from my end. 
I was totally confused by the statement -- -- -- '' a number of different factors are considered to determine how the payment will be sent, we can not tell which method of payment will be used until the payment is processed. Based on factors considered, our payment system selects the most appropriate method. 

Electronic payments are sent whenever possible. If the payee does not permit or accept electronic payments, then those funds will be remitted to the payee through the use of a paper check issued by HSBC or its agent and payable to the payee, as instructed by you. This paper check will state that it represents a payment from you and will indicate the account number of your account or reference number with the payee. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- this is a system generated message and they keep on mentioning this point only. I have more than 10 years of experience in doing online transactions and never ever come across with such a bad experience. 

i want to close my checking account, however i would like to report this to government. please help.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (CA)

I contacted XXXX XXXX to pay an old debt, they referred me to Cavalry Portfolio Services, I contacted them from a place of business not my employment. When asked if this was a good contact number I specifically told them it was not and I was using someone's else phone and not to save this number. I spoke to XXXX XXXX XXXX, XXXX XXXX who says her initials are XXXX ( Convergence their outsourcing company ) and XXXX XXXX. When I called them they told me the debt was inactive from XXXX and they couldn't accept payment. XXXX XXXX told me they sold the debt to them. I was then advised by XXXX that she had to give me a new address of XXXX XXXX XXXX XXXX, XXXX, WA XXXX and I advised her that is not what is reporting on my credit report as what is reporting on my report is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I'm confused if this is even the same or correct company. 

I feel violated and embarrassed that they call my realtors place of employment for me for a debt that is 10 years old, charged off that I called to pay. No one seem to be able to help or take payment. When I spoke to XXXX she asked me to call her back in one hour then shortly thereafter XXXX XXXX called my realtors office and had no idea I had spoken to her. She put me on the phone with a XXXX but now. How do I know I owe these people no one seems to know anything or be in communication with anyone. The number that called me was XXXX at XXXX on XX/XX/XXXX.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

Received a mortgage modification from XXXX XXXX  XXXX XXXX the # Trial Payments were made from XX/XX/2017 - XX/XX/2017 amount of {$1600.00}. 
The mortgage servicer changed from XXXX XXXX XXXX to Rushmore Loan Services XX/XX/2017. Rushmore refused to honor the modification with XXXX XXXX XXXX after I made all trial payments. Rushmore Customer Service stated I would be receiving the permanent modification agreement. I never received those papers Rushmore  has increased my mortgage payment to {$2100.00} and scheduled my home for foreclosure sale. I requested they please correct my mortgage payment. They have been difficult to work with and refuse to assist me. I do want to pay my mortgage and I don't want to lose my home. 

Please! Please! Please Help