davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

1692g. Validation of debts violation did not validate debt as of XX/XX/XXXX. 1692f. Unfair practices 1692b. debt has been disputed within 30 days after I received notice. Filed multiple complaint with CFPB. Last response was received to the complaint was on XX/XX/XXXX they have no records. Violation of 20 US Code 1234e- Cease and desist law Receiving multiple phone calls after cease and desist letter was sent. Violation of The Privacy Act of XXXX Disclosing our personal records to XXXX XXXX XXXX, XXXX XXXX CA XXXX. After they failed adit violation they state it was due to National Change of Address and now thye anditted in XXXX XXXX it was data breach. 
Name of XXXX XXXX XXXX XXXX is not clear when I called on the number they do not know who who this entity. This company is in TX but fax number is in CA. But the company name I called number is XXXX XXXX  XXXX. No names on the notice to call any question for question. Notice that was mailed had no returning address. Only at one return mailing address stated but return mailing is XXXX XXXX XXXX. Documents inside was from XXXX XXXX XXXX  and blacked out that no one can read. Recording with county recorders office to sell property is wrongful foreclosure recoding since they can not validate the the debt and have no records. Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year. 

Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

On XX/XX/2023 @ XXXX inside XXXX ( XXXX XXXX XXXX XXXX, CA ) I attempted to use a XXXX ATM to withdraw {$40.00}. After entering my pin and all other options the ATM was taking an exceptionally long time to process. As if it was frozen or something. So I asked the XXXX employee ( XXXX ) if the machine has had any problems. He came over and stood their with me and stated he wasnt aware of any issues, but was witnessing it not processing. After about another minute or so it finally said " dispensing cash ''. It dispensed my receipt and sounded as if it was counting the cash for an extended length of time, but the door never came open to dispense and then the screen just flashed back to the main screen you get to begin a new transaction. By this time there was also another XXXX employee ( XXXX ) standing with us as we are all standing there confused scratching our heads. I grabbed the receipt that it dispensed and it showed that the {$40.00} was withdrawn from my account but the three of us saw that it did not dispense and funds at all. As I am asking them who I would call the machine on its own went to a reboot screen or something like it was being restarted or something. At this point XXXX wrote an " out of order '' sign and placed it on the machine. Calling the number on the machine only leads to a recording telling you to contact your financial institution. Well when I reported it to Chime on XX/XX/2023 they initiated a dispute, i submitted my receipt and a statement and within 2 days got a claim denied resolution from them. I opened a rebuttal with them, submitted a selfie pic holding my ID and photo of my ID as per their request and within 12 hours they denied that rebuttal. I never received anything from them showing what their investigation involved. I do know they never tried to contact the witnesses. But if they only go by documents I sent then, yes, it would look as if i received the funds seeing as how that is what the receipt shows. But how can i have a document that shows the machine did not in fact dispense the funds? Since their denial of the rebuttal Chime doesnt reapond to my emails at all. When i call you cant get transferred to the investigation department and the customer service rep you talk to claims they can not see anything in the investigation and if i dont have any new documents then they will not do anything else involving this claim. ( Claim # XXXX ).
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX I sold an XXXX on XXXX, which uses PayPal natively to facilitate the transfer of funds. The phone was confirmed to be delivered to the buyer today ( XX/XX/XXXX ) by UPS, so when attempting to log into my PayPal account to check on the status of the funds, I received a notice that my {$880.00} would be held for 180 days and that my account with PayPal was now permanently limited. I was given no warning, nor reason as to this limitation. When I called PayPal to resolve the issue, I was informed that the limitation was started and completed on XX/XX/XXXX, and that there was nothing I could do to reverse it because it was deemed permanent by PayPal. The only reason for the limitation that I was given is that there was a " risk '' associated with my account, but was not told anything specific.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (IL)

Amsher collections tried to charge my bank account on XX/XX/2020 for {$250.00} without any of my permissions. I can not believe this company would try such an action. Im filing this complaint so no more action is taken upon by this company to me and that this is taken care of as soon as possible as I will file a complaint and sue this company!
Consumer complaint received 2023-10-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. 

My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. 

I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX XXXX XXXX. 

The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. 

If I owed this alleged debt I would've learned of it far earlier than XXXX  years later.
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I already had a payment schedule for XXXX separate accounts with the same attorney firm. I paid XXXX in full, was restarting paying the other account ( which I had made a few previous payments ). I received a salary garnishment. I called them immediately to remind them that I was paying it down, that I would raise my monthly payment by a third and they said they wanted XXXX payments of {$600.00} approx to fulfill the obligation. In addition the original creditor was willing to settle for half the amount since the interest was so exorbitant but this known shyster outfit returned to the original amount. I sent a complaint to the court Law firm is : Pressler Felt & Warshaw, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  original creditor. {$1600.00} XXXX XXXX, now {$1200.00} approx.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc. (GA)

Good afternoon Ive reached out to each bureau directly to inform them of Mis information on my credit report. I have requested the original contracts fr the debt collector but they are refusing to follow the guidelines of the fcra accounts XXXX, XXXX, XXXX, XXXX these accounts are not mines and belong tho another consumer I have been affected by the XXXX XXXX breach, I have reached out several times and feel Im being ignored can you please help these inaccuracies are affecting my livelihood
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (ID)

I had just bought a new phone and i was trying to access Venmo to transfer some money to pay some bills. After attempting to log in a received an error message ( OAuth2 Exception : Unauthorized action ) and no matter what i do i am unable to log in ( different browsers, changing password, etc. ). I've spoken with Venmo IT twice now and they have not been able to offer an answer that solves the problem. After further research on the issue, I've realized that people across the country are experiencing the same issues and have been for months.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (TX)

On XX/XX/23, Nelnet switch over only one of my federal student loans to REPAYE/SAVE and left all the others in standard repayment. They would not answer any questions as to why this was the case. I have since submitted another application ( received XX/XX/23 ) to switch all loans to SAVE and they have yet to make any changes to my account. This is causing unnecessary interest accrual and I will have an unaffordable payment when they become due for payment later this year.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

I am attempting to reach a person at the mortgage company to ask a simple question regarding changing my address due to my municipality 's intention to rename my street in the near future. 

One can not call the customer service number and reach a person. There are only options related to the mortgage loan itself. 

I did access the live chat which is a bot that provides an automated answer to changing an address with instructions. 

The inability to access a person is infuriating and not at all in the consumer 's interest. It is blatantly ridiculous. 

There should be the ability if every consumer to have access to a person to discuss account issues.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (AZ)

informed company that their reporting on the account was incorrect, provided information that billing of account had changed and company proceeded to report adverse items to reporting agencies. I have been a victim of data breach and unfortunately personal information remains at risk. Informed company to make corrections as the fallout of such data breach is beyond control. they responded with no understanding of how laws work and they must correct as transactions being reported are incorrect..
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

I contacted Transworld inc on XX/XX/2019 to receive verification of debt/original bill. They did not provide the information and stated the original creditor did not provide it however continue to report to the credit bureau 's. I tried to resolve this with them but they hang up on me and refused to let me speak to a manger. I have no resolution for this situation.
Consumer complaint received 2020-04-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION (UT)

In XX/XX/2019 I called check n go and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company Check N Go. It's  never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.
Consumer complaint received 2023-10-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bridgecrest Acceptance Corporation (TX)

Response to CFPB complaint presented False and misleading statements made by Bridgecrest representative without confirming initiation of a transaction no made by me. Bridgecrest actions is in violation of defamation making a claim without evidence of statements made on XX/XX/2023.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper took over as my mortgage servicer. They keep marketing products to me, but the basics of taking care of my mortgage ( specifically paying the right amount and right policy number to my home insurance company ), they've now messed up two years in a row, and getting a human representative on the phone to make corrections is nearly impossible.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IN)

My loan was sold to Nelnet from Great Lakes. Apparently Great Lakes reports the loans as one large loan and Nelnet, while they claim there will be no changes, splits it into separate accounts per disbursement. I now have 13 open accounts and 15 remarks of my balance increasing when NOTHING HAS CHANGED. I am on an income driven repayment plan and all this has caused my credit score to go down XXXX points!!! And I haven't yet been able to actually reach someone. Their website says they are open until XXXX ET, but at XXXX ET their phone system says they are closed and to try later. I was previously on hold for over and hour and half and never got to speak to someone before getting disconnected.
Consumer complaint received 2023-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX Wells Fargo Customer remediation, XXXX XXXX Iowa Sent a check XXXX XX/XX/XXXX Wells Fargo Customer Remediation XXXX These checks were made out to my deceased Parents who originated the purchase loan from Wells Fargo 28 years ago. Upon My Parents death I became a Successor to the XXXX loans in XXXX. 

The checks should have been issued to my name however it wasn't and I have been working with the Wells Fargo remediation tirelessly to since XXXX ( 3 months! ) to have these checks rightfully re-issued in my name. 

These funds are to be used to pay the amount in default on my parents loan. The mortgage has now gone into default over the last 3 months of these funds being held bye Wells Fargo.
Consumer complaint received 2023-10-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (GA)

this information reported is erroneous/false and damaging to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -VIN- XXXX Salvage Car Totaled and paid off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF OMAHA (AR)

I applied for a savings/checking account with the XXXX XXXX app. I went to my local bank branch who helped me fill out the App information. I transferred XXXX to a savings account and {$20.00} for a checking. I requested a debit card which I later received, it was mailed to me XX/XX/XXXX My deposit was made to XXXX XXXX, which is part of First National Bank of Omaha. When I tried to activate my debit card, it would not activate. The number on the card, XXXX tells me to use the app chat feature or email the company. On the app, it tells me " Restricted Access ". It says I can not withdraw funds, use debit care, remove linked bank account or close my account. I CAN ... Add money to XXXX, XXXX money between XXXX accounts, or add a linked bank accout. 
Using the chat feature, I was told that my account was under review and their account investigation team will reach out as needed and they couldn't provide any other information. I continued reaching out via chat in the following weeks, and was told they do not know when my restrictions will be lifted and they will contact me via email for more information or to let me know the restriction has been lifted. 
Tomorrow is day 40 since I made my initial deposit on XX/XX/2023. 
I have also reached out via email and was told basically the same thing. They are reviewing my account and will reach out when and if needed. 
I called First National Bank of Omaha , Fraud department last Friday and once again today. They tell me they are a parent company and can not see any of the information regarding my account. 
On the app, I am able to see, if it is true, my deposit, interest accrued, but can not screen shot any of the information or look at a bank statement. I was able to use my husbands phone and take a picture of my account deposit that they show. 
There is no other way to contact these people, and no way to have access to my money. 
Please Help.
Consumer complaint received 2023-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc. (NJ)

I received a debt collection letter on XX/XX/XXXX for a debt of {$370.00} allegedly incurred on XX/XX/XXXX at XXXX XXXX XXXX XXXX PA. I do not have a record of visiting a doctors office by that name. Additionally, no request for payment was made at any medical facility. In fact, this is the first time I hear of this alleged debt. Therefore, this is not my debt. 

Additionally, when I called the Remex Inc number provided XXXX the person I spoke with did not provide me their name. I provided them the reference number from the letter and asked me for additional information other than what was listed in the letter. Thats in clear violation of their own disclosure that any information provided can and will be used to collect the debt. They can not accuse me of owing anybody anything without providing copies of the medical services statement or other supporting documentation from the original creditor. 

Last but not least, my right to privacy as a private citizen were materially disregarded by the Remex representative.