davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Consumer complaint received 2017-10-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX XXXX I mailed in a dispute letter for XXXX XXXX # XXXX ( partial number listed on report ). TransUnion mailed me the results and the account was removed XXXX/XXXX/XXXX. Now, in XXXX the same creditor and same account is appearing on my credit report. TransUnion investigated and deleted so why did it reappear? And, with no notice!
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I tried to retrieve my free credit report, but could not get it because the preselected security questions did not match any of my personal information tied to my name, date of birth, and social security number. In XX/XX/XXXX my mailbox was broken into and my my mail stolen, but the local police caught the suspect and I began the task of filing a report to pursue criminal charges for identity theft. That same year my family 's apartment I was watching was burglarized and my briefcase was stolen containing pertinent vital information on myself and my child. I have a Offense Report, but have never heard back fro the United States Postal Service or the local investigator handling my case. I was shocked to learn that my data is now linked to credit cards, home loans, car loans, and bank accounts through the questions asking specific details showing my personal data linked to these charges. When I was unable to make a correct match I could not receive my report from Experian or XXXX because the automated questions think I am the thief and I must now prove who I say I am to both these agencies.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo allowed an unknown fraudulent individual to open a checking account in my name without verifying or confirming their identity. I notified them and they assured me that they would complete an investigation in a timely manner ; however it has nearly four months since I reported this and they have failed to contact me. Not to mention that financial loss that I have suffered which includes my personal time. Additionally, the bank has been sending me harassing notices stating that I owe them money for the account being overdrawn which is illegal.
Consumer complaint received 2016-05-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Have been trying to work with my lending company for several months to try resolve my outstanding 2nd mortgage loan. After several calls to the manager in the point of contact office for an accurate payoff amount and not getting any response back for several weeks, I then received a notice of a foreclosure for XXXX XXXX, 2016. I have since called the lending to ask for a postponement where I have a signed purchase and sales agreement in hand with a closing date of XXXX XXXX, 2016. My 2nd mortgage lender is telling me that it is too late and that the foreclosure can not be stopped at this time. All I 'm looking for is a XXXX60 day postponement and the XXXX and 2nd mortgage company will be paid out in full. I feel it is unfair and unreasonable for the 2nd mortgage company not to allow me this time.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Delinquent account — 
Company: Paypal Holdings, Inc (NY)

PayPal Credit charges me late fees and interest every month that are increasing in an exponential manner. 

Over a year ago I notified PayPal that I wanted to receive paper statements. I received an online notice asking me if I wanted to receive online statements and opted in. Paypal did not notify me that this would result in me stopping receiving paper statements which I never objectively opted out of. Because I relied on these paper statements my bills were consistently late assuming that they had been lost in the mail. I did not realize that paypal had surreptitiously cancelled my mailed statements until after they decided to stop refunding late fees and interest which they did do for one or two months. 
I also told them repeatedly to keep sending me paper statements which they promised to do but never followed through on. Now I dont use my paypal credit account. 
Since paypal has refused to refund the interest or late fees of $ XXXX/mo I have refused to pay them and they are now threatening my credit score.
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONLINE Information Services, Inc. (VA)

I made XXXX previous reports about this issue and may have more information to add. Please refer to your file number XXXX and a report about what seems to be a phishing scam with the FTC number XXXX about a company calling themselves XXXX. Now on Saturday XXXX XXXX, we have received a similar call asking for the same XXXX party and where the party works etc. The number was from XXXX at Online Information Services, XXXX, NC and the main number is according to what i found on the internet, XXXX. They did not state why they want information on the XXXX party, and were told we do not know the XXXX party. I believe the call from this company and the other calls are connected, because the callers are asking for personal private information about the same XXXX party. This company did not say they were a bill collector, but from what i found about them they are a debt collector. I XXXX and found numerous complaints with the XXXX in North Carolina. What they are trying to do is get someone at my residence to share personal and sensitive and confidential information about an unknown XXXX party. We are also on the Do Not Call Registry
Consumer complaint received 2016-09-30
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

I am a senior citizen who has my accounts with Wells Fargo. XX/XX/XXXX I was attacked and had a severe head injury. I was told by Wells Fargo that CD 's were good and I opened multiple ones with them. With memory failure I believe I lost a XXXX CD in the shuffling of the Wells paper work. 
I do know that XX/XX/XXXX I received a plain envelope from Wells Fargo at my p.o. box. I almost fainted upon opening it as it said it closed " my CD due to the Patriot Act ''. Wells knew I had been a customer for years and I was born in the USA along with my parents, grandparents. Wells did this because the interest rate was 2.0 on my CD and the rate when they closed it was .25 or lower. They did this so they could save about {$240.00} in interest ... .. or more .... I wrote XXXX XXXX and he did nothing. 
This I can recall. I am still concerned that I could have lost {$15000.00} because of the shuffling of Wells paper work and at the time I did these CD I was receiving intense care for my injuries. 

Thank-you.
Consumer complaint received 2016-05-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a car repossession on XXXX XXXX by Capital One auto Finance. I 'm trying to get my car back and paid made a {$1300.00} payment which I was told I needed to make a payment of {$2500.00} to get the car back. I could make this in payments. I spoke with a rep on XXXX XXXX and was told I would then need to pay {$500.00} my regular payment which I informed him I did n't have. He put me on hold and came back offered a extension took my payment of {$1300.00} and we ended the call. Only to find out on XXXX XXXX from the XXXX XXXX XXXX where my personal items were cleaned out of my car that my car was being sold on XXXX XXXX. I made a call back to the Reinstatement department and was told by a XXXX XXXX who was beyond rude that why ca n't you pay your car not you have been late 21-times. We all have hard times you did n't know you got a email before talking to him there was a young lady. Who ask if I was told about a email I was not told by the rep on XXXX XXXX there would be a email coming where the sale date would be moved up due to the extentsion being offered to me. Nor was I told about the Loan modification program that the {$1300.00} could be used as good faith payment toward getting my car back. So now I 'm being told they will not except my {$1300.00} as good faith payment to get my car back. When I have been given incomplete information through out this entire process with Capital One Auto Finance. That this program of Loan Modification, a good faith payment is not really to help the consumer. It is only to see how much more money can you come up with. After speaking with several rep 's and a few were really nice and did n't make me feel like a XXXX. But the ones who did the man on XXXX XXXX, a XXXX , XXXX on XX/XX/XXXX, young lady name XXXX on XX/XX/XXXX were awful rep 's. Life happens to us all at some point and time but I want to get my car back. I am being made to jump through hoop, after, hoop a supervisor is never available to speak with. I would like to place this compliant against them my personal items were place in someone else 's care that was repossessed at XXXX XXXX which is very unprofessional. Which I had to pay {$50.00} to get from them. Thank you
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (TX)

I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with XXXX party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (GA)

This Company is still reporting and account on my credit that has been transferred to another agency. This XXXX item is now a duplicate and this company needs to close my account Diversified Consultants , Inc . 
XXXX XXXX, FL XXXX
Consumer complaint received 2017-02-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc. (TX)

A rep from United Collection Bureau called claiming that I owned a medical debt with XXXX XXXX XXXX XXXX from XXXX. They claimed to have sent out a letter, which we did not get, and they could not properly verify the mailing address. The caller refused to send out another notice through the mail. I did not give them any banking or personal info until I could verify the debt and the debt collection company. I called XXXX XXXX XXXX and spoke with the accounts office. They verified that we had been there, but that our bill was paid in XXXX. I also verified with the physician billing agency and confirmed that we do not owe any medical bills with XXXX XXXX XXXX.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America lied to me to foreclose on my home told me they wouldnt foreclose I have a document with phone numbers and dates of everyone I spoke with who said they would not foreclose the very next day they foreclosed anyway even though I was in bankruptcy
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (NJ)

I applied for a refinance XX/XX/2016 through Guaranteed Rate. They said I was pre qualified for a XXXX refinance. They just needed {$400.00} for appraisal. I was told I was to receive the report same day they received it from appraisal company. That was almost a Month ago. I reached out today about the delay. My mortgage broker said they were n't moving on with the mortgage. Houses in my area are selling between {$300000.00} and {$400000.00}. I told her if she was pulling out of the deal and still had n't provided me with the report, I wanted my {$400.00} back. Her response was they had n't charged me for anything. So, now I am really confused. Most recent email stated " per my request, my mortgage application was closed ''.
Consumer complaint received 2016-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Control, Inc. (DC)

Credit Management Control, XXXX XXXX XXXX, XXXX, WI XXXX attempted to collect a charge for a missed medical appointment that I proved to the collection agency that I called the doctor 's office 2 days prior to the appointment to cancel. The clerk at the doctor 's office clearly did not cancel the appointment on their calendar. Credit Management Control communicated with me and stated that they would no longer attempt to collect the debt. However, they continue to refuse to remove the collection account from my credit report. I filed a dispute with the credit bureau but Credit Management Control now claims that they verified the debt. I am requesting that this collection account be removed from all XXXX credit reporting agencies because this is a fraudulent collection account as I do not owe the funds. Thanks.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I am receiving letters from Wells Fargo stating that I have to raise my flood insurance coverage and has forced place coverage on my current property. I have called them several times. They have stated they will reach get in touch with my insurance company which they have not. In addition to the Wells is stating all my insurances must match, which my insurance agent has stated is false according to the according to NC law, they must be with XXXX % of each other which they currently are. Wells Fargo is trying to force place coverage on my property when it is not required on XXXX parts. One they do not have replace cost estimator from my insurance company. The issue according to my Insurance agent is the my policy is currently withing XXXX % of all my other policies which is within NC law. No one can confirm where they are coming up with the replacement cost coverage other than they must match. The only thing I have seen on file is appraisal which is under the required amount and my insurance agent has emailed me the replacement cost estimator. My problem with all of this is that the investor on the loan is XXXX XXXX which Wells is servicing the loan for and now we are told this is Wells Fargo 's rule not the investor. Frustrating that a bank is making up the rules when it should be insurance company and the state that is providing the coverage. In my opinion Wells should have asked a replacement cost estimator from the current Insurer instead of assuming coverage is not adequate. I am sure if we look closely that the additional charge for the additional insurance cost is a benefit to Wells Fargo in some financial way.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

The following inquiries are fraudulent and have been reported to XXXX as fraudulent, yet they refuse to remove them. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Furthermore, they have my address as XXXX XXXX XXXX XXXX without the apartment number listed as a separate address when they have my correct address with my correct apartment number.
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Army and Air Force Exchange Service (TX)

I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with third party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I had an Opportunity checking account with Wells Fargo that required one year of keeping an account in good standing -meaning it was to be an actively used account in order to have upgraded features after 1 year, such as ability for outside atm deposits, larger amount withdrawls, higher daily spending limit etc,. The account did not include any monthly service fees for having a direct deposit each month. 
At the one year mark around XXXX 2016 I visited the branch due to deposit issues and a misplaced direct deposited check from SSI which was somehow routed into a closed account ( i believe which was previously suspected to be compromised when charges I did not authorize began to occur ) My direct deposit was ultimately located but once that was resolved I also began to see monthly service charges that were not agreed upon, with the switch to a new and secured account, I was then not allowed the new account features as agreed upon. Staff stated my account had not been open a year, then once I escalated the concern to show what occurred, they then stated it was not in good standing due to overdraft charges ... but the overdraft charges were due to debit transactions that had been processing out of sequence or very delayed ( even though I tracked and managed my spending not to mention had been complimented by Bank teller employees about the good standing and mngmt of my account ) yet resulted in multiple overdraft fees mostly for reasons I could not decypher or was able to predict. Also, I was unable to process my car payment due to continued limits on my account ; the amount was declined to process on time resulting in fees to my lending company, so I immediately closed the account because of nit being able to have access to my own money in order to pay bills and the fact that Management refused to fully refund my money for their transaction processing errors resulting in multiple over draft fees. They would only agree to proving me with a portion of the costs despite lengthy conversations by phone, I was then instructed to just go into the branch and handle it with management. There was an issue with my car payment which actually DID then process after my account closure! & Fees added after the fact..I had to dispute this because it resukted in a dual car payment to my lender. I was refunded the money for this but would appreciate it being looked into further since it seems very unethical and I have not heard anything from Wells Fargo since.
Consumer complaint received 2017-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

This debt is not mine .I turned XXXX years old on XX/XX/XXXX.The debt occurred on XX/XX/XXXX.This is effecting me tremendously because jobs are denying me the opportunity for employment.Please help resolved this my removing this from my credit bureaus .Also please do n't allow them to sell this debt.