davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I have a PayPal credit account. PayPal advertises heavily that they can be used to receive and transfer funds electronically to/from your bank account. They also charge a fee for this service. 

I used my PayPal account to receive an electronic payment of funds from someone for the purchase of an item I sold. PayPal holds these funds in a " wallet balance '' for the user to transfer to their checking account or other bank account they 've setup with PayPal. Rather than holding these funds for me to transfer to my checking account, PayPal will apply any incoming debits authorized by my PayPal credit account to this " wallet balance '', rather than to my PayPal credit balance. I even have my PayPal credit account set as my " preferred method of payment '' according to their site. 

I do not think it 's fair for this company to take funds that I anticipated being transferred to my checking account without my direct consent or knowledge. I used PayPal as a money transfer business and paid them a fee for the funds to be transferred to my checking account. I realize that the debits were transactions that I initiated, but they have now taken it from cash funds that were to be deposited to me. PayPal still expects a full monthly credit payment as well. So these cash funds have now been applied to my credit balance by virtue of covering incoming transactions, rather than applying those transactions to my credit balance as initiated, and they demand a full minimum monthly payment. I think this practice is unfair and misleading. And that user funds should be protected. 

Details of the transaction : XXXX XXXX, XXXX : {$40.00} electronic payment received to my PayPal account from XXXX XXXX. PayPal charged {$1.00} fee for transfer, totaling {$38.00} received to my account. 
Since the above transaction, four credit initiated transactions came in, totaling more than the {$38.00} received. PayPal shows I have {$0.00} in my " wallet '' to transfer to my bank account. 

XXXX XXXX, XXXX : Contacted customer service and explained the above. The representative, continuously laughed at me and joked that I spent the money so I correctly received nothing, and have nothing in my wallet. When I explained that it 's unfair that credit transactions were taken from this balance, she informed me that I had to set my credit account as my preferred method payment. When I told her that I had, looking at it online as we spoke, she told me that it did n't matter. 

I did n't find any of it amusing, and I told her so. Even though this was a small amount of money, I think this practice is unfair. If a credit company that clearly defines themselves as a means of easily transferring money electronically, is actually going to keep the funds and apply it to credit transactions, there should be better communication and safeguards.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (MN)

I applied for and received a credit card through Wells Fargo Bank. A promotional offer with the card paid a {$100.00} bonus after spending " X dollars '' ( I do not recall the exact amount ) in a 3 month period. I achieved this level of spending yet did not receive my {$100.00} bonus. I contacted Wells Fargo regarding this matter and was told there was a " glitch in their system '' ( words used by Wells Fargo XXXX and that my {$100.00} would be paid the next month. This happened for several months in a row until someone at Wells Fargo manually made the adjustment and paid me the {$100.00} they owed me. XXXX of the Wells Fargo agents told me that it was good that I had called and pursued this matter because the {$100.00} would have never been paid and would have rolled forward to following month " forever '', due to the " glitch in their system ''. 

I fear that other customers may also be owed a payment by Wells Fargo, but will not receive their money because they are not as persistent as I have been. 

After I received my {$100.00} from Wells Fargo, I requested compensation for the time and effort I had to dedicate to correcting this matter. I made numerous phone calls to Wells Fargo over the course of several months to settle this matter. My case was elevated to the Wells Fargo Corporate Office and I was assigned a XXXX and a Case Number. This department ( and my XXXX XXXX ) ignored over XXXX phone calls and voice mail messages from me. Only after leaving messages in general voice mail box did someone other than my XXXX XXXX call me back. 

I am still requesting compensation for my time and effort to correct a problem created by Wells Fargo. Wells Fargo refuses to do so. 

I will close by adding that I have been a banking customer with Wells Fargo for nearly XXXX years ( with substantial deposits ) and have had a generally positive experience with the organization, until now.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NV)

I have several problems to report with Ocwen Loan Servicing : I was laid off XX/XX/XXXX. I got in touch with Ocwen and applied for Mortgage assistance. After reviewing my application, Ocwen recommended a Trial modification forbearance plan, whereby my mortgage payments would be reduced to {$600.00}, due on the XXXX of the month, beginning XX/XX/XXXX and ending on XX/XX/XXXX. I made all payments on time as agreed to by Ocwen and myself. This program was recommended and sanctioned by Ocwen, yet they reported these payments as being late to XXXX, XXXX, XXXX, and XXXX credit agencies. Rather than offering a helpful solution, Ocwen has done long term damage to my credit rating. I am still working with credit agencies and Ocwen to resolve this dispute. 

I have not been able to find work in my field so I reapplied for a Loan Modification through Ocwen on XX/XX/XXXX. I meet the following eligibility requirements for HAMP loan modification : XXXX lien -Loan originated before XX/XX/XXXX -Primary residence -Property is XXXX unit and principal is below {$720000.00} -No previous HAMP modification -Payments exceed XXXX % of monthly income -The only criterion I do not meet is that the loan is not delinquent, however, considering my situation loan default is reasonably foreseeable. 

Ocwen called me on Friday, XX/XX/XXXX to tell me my application for assistance was denied. When I asked why I was denied, the caller said, " because the account is n't delinquent. '' I asked for more information or alternatives and was offered none. I have not received detailed information on why my application was denied.
Consumer complaint received 2016-09-14
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (NV)

XX/XX/2016 - centurylink account closed XX/XX/XXXX - centurylink withdrew funds via ACH without authorization Calls made to XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all time they acknowledge {$81.00} refund owed because of accounting error. Promised date of funds return past multiple times. On XX/XX/XXXX representatives stated charges would be reversed on the same day as they should not have been charged. At 1 month + since that date with no refund. Multiple calls to reps whom state an additional 7-10 days to process for every call date listed above. Fraudulent ACH withdrawl claim processing through bank as XXXX refuses to refund fraudulent ACH withdrawl.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I opened a checking account with HSBC bank in XX/XX/2016, and signed up with a promotional offer for a {$350.00} bonus upon meeting billpay criteria. I completed the requirements in early XXXX. The terms said that it may take 4-8 weeks after completion to receive the credit. I waited 8 weeks and contacted HSBC customer support. They keep saying to wait, or that they are investigating. I have now contacted them 5 times, over the course of 5 weeks, with no resolution in sight.
Consumer complaint received 2017-03-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Recovery Solutions, LLC (TX)

I received a letter from Asset Recovery Solutions , LLC claiming that they are collecting on behalf of XXXX. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to XXXX, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with XXXX. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by Asset Recovery Solutions , LLC. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since XXXX has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with XXXX : one for {$4000.00} and the other {$2600.00} are nowhere near the doubled amount this company and XXXX are trying to collect wrongfully from me.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Ocwen received my XX/XX/2017 payment as follows : check # XXXX, in the amount of {$3100.00}. That would break down as follows, regular monthly payment of {$1100.00}. Plus a extra {$2000.00} to be applied to just the principal. Out of that regular monthly payment of {$1100.00} should come the escrow, the interest, and the PRINCIPAL payment. As you can see from the attachments. Ocwen once again has failed to apply my monthly funds correctly. This month Ocwen failed to apply my regular principal payment to the loan. ( that amount would be {$460.00} ) Ocwen only applied the extra principal payment I sent in to my loan. As you can clearly see from the letter Ocwen sent to me and to the CFPB dated XX/XX/2017. They corrected their last mistake from last month and brought my account up to date with the correct unpaid principal balance for XX/XX/2017 of {$130000.00}. ( that page is in with the attachments. ) With that being said when you take the extra principal payment of {$2000.00} plus the regular principal payment of {$460.00} and add those together you get {$2400.00}. You then subtract the {$2400.00} from the unpaid principal balance of the loan, and you get {$130000.00} for the unpaid principal balance of my loan going into XX/XX/2017. As you can clearly see on the payments and amounts due page ( that page is in the attachments ) Ocwen states that the unpaid principal balance is {$130000.00}. That is clearly wrong. On the payment confirmation page ( that page is in the attachments ) Ocwen states that my loan is now due for XX/XX/2017. THAT IS CLEARLY WRONG. My account is next due for XX/XX/2017. On the Payment and history page ( that page is in the attachments ) Ocwen does n't show any amount of principal being applied to my loan for the month of XX/XX/2017.
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at PNC Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX ( XXXX IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at PNC Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at PNC Bank and his direct phone number was XXXX. This employee of PNC Bank acted negligently and PNC Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Consumer complaint received 2024-10-07
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: United Shore Financial Services, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Against United Wholesale Mortgage for Consumer Rights Violations To Whom It May Concern, I am writing to file a formal complaint against United Wholesale Mortgage for violations of my consumer rights. These violations have caused significant financial harm and damaged my credit. I have been forced into three mortgage modifications due to their intentional payment reversals and mishandling of unapplied funds. Below, I detail the transactions and their categories. 

Complaint Details : Unapplied Funds Transactions XXXX. XX/XX/XXXX Amount : {$500.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$660.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$500.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$94000.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$3700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$3900.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$550.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$550.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1200.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1200.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1100.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1500.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$2000.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount :
Consumer complaint received 2017-02-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (LA)

I have been trying to get a payoff statement from my former Mortgage company, US bank home mortgage, Last Monday I called to request this and they could not send it to me that day, instead they could email it to me within 3 to 4 days via XXXX secure server. by Friday I still had not received it and so i called them again, they said they would fax it over to me with in 10 to 15 minutes and put in a rush request for it to be emailed to me and also told me that normally it would actually take up 7 days but it is scheduled to be emailed by monday. I never recieved the fax on friday. so I called AGAIN today and they stated that the rush request had been viewed and opened but NOTHING had been done about it, but it is scheduled today to be emailed sometime today and they could not give me a time. i needed this letter last week not to mention they STILL have not reported this home as paid of with a clear title since it has been paid off since XX/XX/2016.
Consumer complaint received 2016-04-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I had an emergency that i ad to use a ambulance in the road. The ambulance took me to the nearest hospital. I filled all the information so that the bill can be submitted to charity. Most of the bill was submitted to charity, except for XXXX bills. Those bills were sended to a collection agency. The collection agency send me a notification for the medical bills. I called the hospital and gave all the information they needed, and they told the that the remaining bills were going to be submitted to charity. I thought that the hospital took care of the situation, and the debt was discharged by the hospital. After that the collection agency reported the balances to my credit report. I pay the full total of the balance.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (NY)

Systems & Services Technologies Inc ( SST ) took my debt over when the company XXXX went under. XXXX XXXX ( days after the balance was transferred ) called SST and asked to pay my account in full the representative informed me to go to their website and pay via the homepage and once I paid the amount shown my account would be paid in full and closed. I did so. End of XXXX I received email and text notifications that my payment was due. I called SST confused why I owed money and was told interest had incurred since my XXXX payment because I was supposed to follow this roundabout hidden way to pay in full to officially close the account that was not the same process I was told to follow. Because I was misguided a manager offered me a 25 % discount on the interest wrongly incurred and said she would close the account that day. I requested an email confirmation that the account would be closed and was informed I would receive on in 5-10 business days. XXXX XXXX I received more email and text notifications that my payment was due. Again I called and was informed that I had a balance of {$25.00} which was {$1.00} over the {$24.00} minimum threshold to close the account with a balance. I explained the previous events. They said they would escalate it to process for account closure so I asked for email confirmation and a claim number to confirm the escalation. I was told I would receive an email in 16-20 business days with that information. Every time I call I owe a new amount because of some new " mistake '' on their end that they can never solve over the phone and they repeatedly refuse to close my account despite it being paid in full the first time.
Consumer complaint received 2017-02-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (PA)

! I 'm a XXXX XXXX XXXX home owner..I got my year end statement of escrow..its overage is XXXX. I asked for full refund! They will only credit my account XXXX\month for one year $ ( XXXX ) keep the {$700.00}??? Can I get my overage refunded? I need me money back.. 
I have written several requests for my refund. I am being denied even tho they admitted to this issue..and choose not to refund my overage. I am very frustrated as they told me my mortgage will be in foreclosure if I refuse to pay since I 'm in overage ... I was just going to apply that overage credit it to my monthly payments until it 's absorbed.. 
They refuse to do either ... I need my refund escrow overage. They are trying to keep it..control it ..and refuse a refund.
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

This is in reference to XXXX XXXX 's CFPB # XXXX, I just need clarification from BOA in regards to XXXX XXXX 's statement and response letter. XXXX XXXX is stating the Case XXXX originated from BOA not XXXX XXXX. Can BOA Confirm and agree with XXXX XXXX 's statement? I '' m attaching the document in reference to XXXX XXXX 's allegations.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Before I requested a fraud alert online, I updated my mailing address with all XXXX credit reporting agencies. Out of the XXXX credit reporting agencies, Equifax is the only one that makes it difficult to update a consumer 's mailing address or delete wrong ones. There are numerous online complaints depicting my situation. I do not feel comfortable faxing a copy of my Driver 's License to Equifax when someone misused my identity back in XX/XX/XXXX at XXXX which is depicted CFPB case # XXXX. My wife and I called Equifax more than XXXX times last week and it was difficult to speak to an efficient representative. Although I gave verbal authority for my wife to speak on my behalf, the reps did not want to speak to her. The other XXXX credit reporting agencies had no issues with this. To make a long story short, according to XXXX in Equifax 's XXXX Department, the fraudulent account no longer shows therefore I need an updated copy of my credit file. He advised that he would not mail it to my actual address, instead Equifax can only mail it to my old address which I have not lived at for several years. This is unacceptable and inconvenient. Please your assistance is required. I need an updated copy of my credit report to be mailed to XXXX, FL XXXX showing that account # XXXX XXXX, was indeed removed. Furthermore, I have never lived at XXXX. This is a computer error which Equifax is also known for. I would like for Equifax to remove that address. Thank you
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

In XXXX, there was confirmed identity theft using my State Employees Credit Union checking account with XXXX transactions of {$97.00}, {$69.00}, {$89.00}, and {$2.00}. All were resolved by the credit union. The amount for XXXX XXXX {$2.00} was identified by the credit union fraud prevention representative as a strategy to prepare for a larger withdrawal at some point in the future. I was told that it was identified and secured so it would not happen. I completed all credit union 's recommendations at that time. On XX/XX/2016, a transaction in the amount of {$1400.00} was drafted from the Credit Union checking account to XXXX XXXX. I did not notice the transaction at the time, as I was between employers and received my final payout from prior employer along with first paycheck for new employer. My concern at the time was my wife 's health, twice XXXX XX/XX/2016 along with XXXX Emergency Department visits. I also was caring for my XXXX son and one month into my new employer. I did not discover the fraudulant activity until XX/XX/2016 while completing federal income taxes. The State Employees Credit Union has refused to return the funds due to timeframe when reported, despite their error.