davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (GA)

I filed A unauthorized debit on my wells fargo account the same day it was done and they close the case the next day saying that the debit was authorized on that day. according to their policy I was covered by Zero Liability protection, which mean I would not be held responsible for unauthorized transaction if reported promptly which I did the same day it was done they also said in my dispute that I said I was charge the wrong amount I did not tell them that I said unauthorized debit also I was told there no need to change or deactivate my card at this time but I feel it should have been because the company has my card number and already made XXXX withdrawal. I have been given the run around about my account on this withdrawal of {$160.00}, there was A second complaint file with this bank about a Bill pay account that I have with them set up years ago they handle for me on XXXX XXXX 2016 {$680.00} was taken out of my account sent to XXXX, but XXXX said they never received it i call my Bank and was told at first that I would have too locate the funds myself, I ask for A manager was put through to someone else and he said it would be investigated it would take about 10 business days, I have trusted Wells Fargo to handle my mortgage payment for the past 14 years but since the original account holder XXXX Bank change to XXXX the problem began. my account show that sent my payment was sent online XXXX XXXX, 2016 this one is still under investigation. I had to make an additional payment in XXXX to keep from being charge with being late. So a check was also sent to XXXX for {$680.00} now there is XXXX payment made in XXXX no Payment made XXXX but show I do not owe till XXXX my money for XXXX was deducted on XXXX XXXX, 2016 not applied to account at all.
Consumer complaint received 2016-11-24
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NY)

Someone used my Wells Fargo Visa card fraudulently and charged XXXX on the card without my permission while I was away in Florida. Wells Fargo contacted me to advise me that a XXXX Police Detective had contacted them to advise them that they arrested someone in possession of my card and that I need to contact this detective for further information, which i did. Afterwords I contacted Wells Fargo to file a fraud claim. They denied my claim stating that I had called them from a verified number to confirm certain transactions. I told them I never called them. I sent them copies of my phone bill showing I never called them. I sent them the police report. Then they said my voice was confirmed to match the voice that called to verify charges previously. I again advised them I never called them for any reason. They stated I called from this number XXXX. This is not my phone number. Now I am stuck with this XXXX bill which they refuse to dispute.
Consumer complaint received 2016-11-26
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (RI)

For past 6 months Global Client Solutions XXXX XXXX XXXX XXXX collected {$250.00} a month for debt consolidation. After realizing no repair had been done I reached out to lawyer that was supposed to receive certain payments that had n't. Although credit repair was listed on each statement for {$49.00}, no creditors were paid. Wit went to bank and we called the company who claimed I missed payments since XX/XX/2015 but I have statements that show otherwise. Bank XXXX told them about last statement the company hung up phone and called me personally. She wanted me to print, sign and send a cancellation notice but not confer with my bank XXXX. Any time I call they do n't want to talk and hang up.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Have a report in all XXXX agencies that i have a credit line of {$4200.00} with XXXX balance opened XXXX 2005. I have called them and they do not seem to have a file on under my name and they told me to dispute it with the credit bureau but they did nothing. I have XXXX names which i manage to fix XXXX agencies ( XXXX ) but not the others. Also i have XXXX Hard check in a very short time expand and do not recognize must of them. Hopefully this can be resolve. I am working hard on establishing credit and fix the errors but the Credit bureaus are not doing anything. Thank You for your help.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed this a couple of items back in XXXX and transunion said they will not report XXXX on my credit report. They did not do what they said they would do. 
My cash number with you all is XXXX.
Consumer complaint received 2016-12-28
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Merchants and Medical Credit Corporation, Inc. (MI)

This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated " OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.
Consumer complaint received 2016-11-25
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

I have my international westernunion account with whom I do my business all over the world. 
The account was valid because I created it in XXXX with all the vouchers and I used it. 
But for 6 months the account has been on hold since I arrived in XXXX where I had vehicles and other goods in the port. 
They asked me for XXXX and I sent them but they answered me a first time to be patient and I have it. 
Still having no news of them I left for XXXX or I have big stock of XXXX. 
Arrived in the XXXX XXXX they ask me for documents with a certificate of residence and I have also provided them. 
They send me an e-mail that I had to go and make on-site transfers to their branch in the country. 
But in the clauses it was not agreed and in addition why did they ask me for proofs in these XXXX countries knowing that in the end they will tell me to go to their local agency of these countries? 
At the moment I am out of liquidity and they tell me again to call them or I used to call them and we had a long discussion and they reassured me that the account will be active in the shortest possible time. 
But up to this day still nothing and my goods are still stored in the countries ports where I incur taxes.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TX)

I purchased a home with a mortgage loan through XXXX XXXX Loans in XXXX of XXXX. My loan was assumed by Franklin American Mortgage shortly thereafter. On XXXX XXXX, XXXX, I was notified by mail of an escrow shortage of which included a {$3400.00} in late fees which were labeled as " taxes '' on the statement. Further investigation on my part determined this late fee was assessed by the XXXX XXXX ( XXXX, TX ) Appraisal District because they had not been notified by FAMC of the loan servicing transfer. I understand that I am responsible for taxes but not a late fee caused by FAMC 's failure to notify the tax office. 

After months of calls and discussions with FAMC, I 'm unable to reach a resolution, even after the XXXX XXXX XXXX XXXX explained what happened to FAMC. I ca n't believe that I 'm the only customer this has happened to. Please help! It 's sad that customers have to spend this much time resolving an issue. Why has n't the lender been proactive?
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX account number XXXX, date opened, XX/XX/XXXX. 
Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated because in accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

Experian continues report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Experian and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2016-11-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Hello, I am asking the Consumer Financial Protection Bureau for assistance with reference to my mortgage/home loan. 
I am a victim of predatory lending and now my home is in jeopardy of Foreclosure. I am trying to resolved this matter with the current loan servicer, Ocwen Loan Servicing LLC, and XXXX Solutions. 
I have made multiple attempts to secure an affordable mortgage payment based on my outstanding loan value which exceeds the current value of my home. 
Due to multiple service handlers, lack of proper communication, XXXX servicer inconsistencies, excessive fees and other circumstances, which has forced me into this position of mortgage/loan arrears. 
As a consumer, i feel that my rights have been violated and I am seeking some assistance with this matter. 
Attached is a full letter explaining the details of my complaint. Thanks for your help.
Consumer complaint received 2016-11-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Taurus Law Group, P.C. (VA)

After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from XXXX to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to XXXX, but never received a final statement from XXXX. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to XXXX that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from XXXX. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both XXXX and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but XXXX refuses to honor their side, and I need assistance with getting XXXX to get them to honor their agreement.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc. (VA)

XXXX is issuing credit cards without proper disclosure and is not informing customers about APR. I visited their store on XXXX in XXXX VA and the associate submitted a credit card application without informing me about the terms and conditions of the card and i thought i was getting a store XXXX card and not a credit card,
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital One to see if I can lower my interest rate which is currently 25 % and 23 % ( I have XXXX cards with them ). The first lady was very rude stating that it was nothing she could do and if they was to lower it the rate would be temporary.. This is XXXX I have been with this company for at least 2 years and my credit score is around XXXX, never missed a payment, and keep my balances low.. I informed the supervisor that I will be making a large purchase soon and WILL not pay them 25 % in interest.. The lady said she could n't lower my rate and to lower the rate is based on some standards.. I asked her what they were she could n't explain.. I asked her why I could n't receive the lower rate she could n't explain.. This is a XXXX way to run business with people and not a fair to their customers.. She could not give me any explanation on to why my request could not be granted.. I asked to speak to another manager she stated she was the highest that 's XXXX too.. This company is very unprofessional and love to scam people with high interest rates.
Consumer complaint received 2016-11-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of Kansas, Inc. (KS)

XXXX XXXX XXXX has been thru over 16 plus years trying to collect a hospital bill which I believe was fully paid thru my husband at that times employees XXXX, under the name XXXX XXXX. I have talked to a woman at XXXX XXXX hospital who informed me they do not have any way to do anything for a bill that old. He had me arrested years ago an now again there is a bench warrant just put out for me. I called his office upon this times notices and was told I did not have to appear at these, just ignore it but try to find any proof to take me off there court list. It was a young woman. I had appeared at courthouse in another county XXXX for this same bill about six years ago. No court. I just had papers given to me. They were told any years ago it is paid thru my husband s ins. He used to call all hours an threaten to have e arrested if I do n't pay. He leaves me alone for a few years then out of the blue it 's like we never discussed it previously. I am XXXX almostXXXX and XXXX. His paper said something to the effect that it would n't be a hardship for me to come to XXXX to an asset s court date. It is. I was told that if I go it 's an admission that I agree with the debt. As I can not allow myself to go to jail I feel I under much protest have to pay this again, after 16 years of trying to reason with ppl in his office that answer the phones for him an deal in his behalf. XXXX, Kansas. I am very afraid of him becoming angry an trying to get an keep me in jail or something mean, years ago he proved he can be really mean mouth an not even listen, an threatening verbally. As more proof of his business nature 's ways I also have him on another bill again it 's paid it 's my current drs office they say I do n't owe an my medical card was backdated three years when I became XXXX. I ' ve explained this the same as the other but to no avail. He leaves e alone for a while then bam another post card or paper wants money for a bill my medical card has already paid.
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I am requesting an investigation into my mortgage & the lending practices with Wells Fargo Home Mortgage, in relation to XXXX and XXXX loans. My approval, for both loans were not based on my ability to repay. As a result of being approved for these loans, under these terms, my house was foreclosed in XXXX. Currently, I 'm awaiting the approval of a loan modification under HAMP, yet it appears to be some shady dealings that remain on behalf of Wells. I 've raised several issues/concerns that I have attached, but have been refused the accommodation/opportunity to ensure that my rights to a fair/accurate contract have been met. I have been threatened to submit endorsed documents that state ''I understand '' & imply that I 've waived certain rights, all the while explaining that my questions will be addressed 'after ' I submit the very documents that the questions/concerns/issues are related to. Of the obstructions that I 've had to face, the most notable, this year are : 1. the homestead scam. I have been the sole borrower in this loan while Wells has insisted that my husband of record, who is in XXXX ( on an unrelated matter ) sign documents that name him as a borrower. This is due to a bogus document that Wells slipped into my XXXX closing, which falsely states that funds from a letter of explanation for funds that appeared in my account from off & on out of court support, are ''my additional income ''. 2. Wells had its foreclosure attorney confirm the foreclosure sale to ''itself '' while I was in good standing during the trial period for this current modification. I had to take leave from work, where ''every XXXX counts '', to file a pro-se emergency motion to prevent the sheriff from putting my children & I out on the streets. There remains some outstanding concerns in relation to the principal balance ; current home value ; & the adjustments that have been modified, which have not changed this loan into an affordable loan. Please view the attached facts & help my family by compelling Wells to make the appropriate adjustments to this extremely bogus loan. Thanks in advance.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-01-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (PA)

On XXXX/XXXX/2016 I refinanced my mortgage from a 30 ryear to a 15 year, with the same lender, Stearns Lending. It was an FHA refi. They reported me as paying late as of XXXX XXXX 2016 because the title payoff they received on XXXX/XXXX/16 was a few XXXX short. they received 99 % of the payoff on XXXX. Did n't even attempt to contact the title agency until XXXX/XXXX/16 to report the fund shortage .Regardless, my payment was not over 30 days late because they received almost the entire balance of my mortgage on XXXX which was far more than my {$1300.00} mortgage payment due by the XXXX .... I have tried for a week to get a hold of them my credit has gone down XXXX points and is now affecting my ability to lease another car. I 'm at my wits end I do n't know what to do this is very very dishonest of them and no one will fix it. I have not had a late payment ever.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family.
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

On XXXX XXXX, 2016, my son passed away. His home was mortgaged through Wells Fargo Home Mortgage. I being his Mother, immediately called Wells Fargo to notify them within no more than 5 days of his death. They advised me to fax them a death certificate and they would take care of the situation, including removing him from the auto-pay system ( withdrawing money from his account ). Which I did!. Wells Fargo did not remove his name from the auto-pay, Therefore, Wells Fargo went ahead and took the XXXX payment anyway, in the amount of {$460.00}, and the credit union allowed it even though there were no funds in the account, as a " courtesy credit ''. 
Since my name was on his account due to the fact that he was a XXXX, XXXX, the credit union seized my savings account to pay the amount that Wells Fargo took out. In addition, there were XXXX insufficient fund charges in the amount of {$120.00}. I was fortunate enough to have the credit union waive the insufficient fund charges, but refused to return the {$460.00}. 
I, in turn called Wells Fargo regarding the return of the funds that they has no right taking in the first place, and was met with total disregard from the person ( s ) I spoke with, saying that he/she had no idea of what I should do. 
Since I do n't think I am responsible for this debt, my son lived on his own, was responsible for his own debt, and my name was n't on his mortgage, I would be very appreciative if CFPB could help me with retrieving these funds. Thank you.