davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (SC)

For an unknown reason my autodraft ( from my Wells Fargo checking account to my Wells Fargo personal loan account ) stopped. 

This resulted in ( 1 ) my loan payments being reversed ; ( 2 ) my losing the the favorable interest rate ( for being on autodraft ) ; ( 3 ) my account going delinquent and being sent into collections ( I never received noticed it went delinquent ) ; and ( 4 ) my payments accruing at a higher interest ( loans on autodraft are on a more favorable interest rate than those not on autodraft ) because my payments fell off of autodraft. 

I am told the payments were reversed because the payment was being drawn from an 'unknown ' account. Please note that this 'unknown ' account is the very same checking account that was used to set up my autodraft payments on Day XXXX. 

Because the autodraft payments stopped, I am now being charged a higher interest rate. I am told Wells Fargo can not refund the amount because by not being on autodraft, I no longer qualify for the favorable interest. 

Even though I never authorized the autodraft to cease, and the error was not on my part, I am told Wells Fargo can not refund me the difference in interest payments. 

I need someone to explain to me how this is right. 

I first need someone to explain to me how my checking account became an 'unknown ' account that led to my loan payments being reversed. 

At the end of the day, the difference in interest rate payments is very nominal - a few dollars. And literally at the end of the day that is all that will be because I plan to close all my accounts with Wells Fargo within the week. 

However, it is the principle - I should not be charged, fees, late payments, or interest for an issue that I did not cause or initiate. 

I am providing for your review ( 1 ) a snapshot of my WF accounts ; ( 2 ) the recent payment history that shows that my last XXXX payments came from the same checking account that is now 'unknown ' and resulted in my XXXX payment being reversed ; and ( 3 ) the loan statement that shows my payments being reversed. I did make a payment over the phone today to bring my account current.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Critical Resolution Mediation LLC (PA)

A voice recorded message keeps calling my number stating that they have contacted me numerous times both verbally and written to tell me of a debt I owe. The woman who leaves her name calls herself XXXX XXXX. She threatens that if I do not call back then the company will be forced to take further measures to collect this debt. I do not know who this company is or why they are continuously calling my phone again and again and again at all hours of the day and night.
Consumer complaint received 2016-10-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. ()

I want you to contact Citibank and XXXX XXXX XXXX of Citibank, XXXX and ask him why my online Dollar Account is still not activated after i paid all the fees they had asked me to pay.I paid {>= $1,000,000} for the online dollar trust Fund account and {$500.00} for the Authorization and Activation fees which Citibank and XXXX XXXX XXXX of Citibank, XXXX ask for on the XXXX XXXX 2016 and then Citibank and XXXX XXXX acknowledged receipt of my payments fees and said they are working on my Online account, but to date nothing has not been fixed.I want Citibank and XXXX XXXX to be exposed and also i want the XXXX Police, Fbi, and XXXX and CFPB to intervene and force the Citibank to fix my account and i also want to take my account to other Banks which will treat me with respect.I owe people money and i cant afford to starve when i have money at Citibank, XXXX and the people i owe money dont trust me and said i am a liar when i told them that Citibank, XXXX is still busy with my Account.The last email i received from Citibank and XXXX XXXX XXXX was on the XXXX XXXX 2016 telling me that he is busy with my online Account and that he will activate my online account but since then, i have not heard nothing from him or Citibank.When i try to contact XXXX XXXX XXXX and Citibank, XXXX, they keep ignoring me or dont attend to my calls or emails.I am not happy at all and i want actions to be taken against Citibank and XXXX.Should you need additional proof of documents and job id card of XXXX of Citibank, XXXX feel free to contact me on my email address and i will forward you with all the documents, Proof of payments i made to XXXX XXXX bless of Citibank, and all his emails he send me and his Citibank Job id card .I look forward to hearing from you and how to resolve this with Citibank , XXXX.I would also like for Citibank to refund me all my money i paid to them and XXXX XXXX of citibank, XXXX and possibly take my Account to other Banks which will treat me with respect.There are better banks like XXXX , XXXX XXXX XXXX and others which can give me better service than what Citibank is doing to me.Thanks Regards XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Whom it may concern, My mortgage loan is servicing by Ocwen Bank. They sent me a letter with the notice my interest rate changing to 3.125 % ( old rate 2.875 % ) and payment will go up to {$2300.00} My current payment is XXXX and it 's increase by XXXX %, when interest went up only .XXXX %. 
So how is can be? Well it could be, if the loan is going in the full payment. I would like to get explanation, why do they do against the contract? As per contact that could be happening only after XXXX payments were made. The loan starts on XXXX XXXX XXXX, so it should happen only in the XXXX XXXX. All documents are attached. 
The second is interest rate : My most recent statement said ( also attached ) 2.875 % is good until XXXX XXXX XXXX. So it 's meaning the new 3.125 % is wrong? 
These people do n't know what they are doing? How many customer are same situation or just do n't pay attention what is said on their statements. 
Please take action and somebody got to be pay for the mistakes? I would like a get fix rate, that 's all I want. They are refusing me to do a loan modification for 5 straight years. ( including IndyMac ). 

Please help us we would like to keep our house, but it feels now, just would like a quit and wait for few years, and buy house with different bank. It 's sad when they have this " Helping Homeowners is What We Do! '' is complete opposite in the real life. 

Thank you XXXX and XXXX XXXX
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In XXXX XXXX I found out that more than {$16000.00} had been transferred to my sons ' linked accounts from my Checking account. It had happened over more than 3 months starting in XXXX XXXX. USAA said that since the money was moved into both sons ' accounts that this was my problem to sort out with my sons. They sent me a form letter stating that they closed the investigation. But they did not provide me with an answer to how such a sum of money was moved from my account to my sons ' account without my PIN number on so many transactions over that time. I had changed my PIN several times because of difficulty I was having accessing the account online. They said they would elevate the complaint about 2 weeks ago and that they would be back to me in 3 days but I have heard nothing since. Please help.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (SC)

failure to provide continuity of contact in a timely manner. on several occasions over the past couple of weeks both via e-mail and telephone I have asked Ocwen to contact me regarding questions I had about their loan modification offer. to date they have failed to contact me regarding.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I used ATM machine to deposit {$4300.00}. 

The ATM machine said there was an error and the cash could not be counted and could not be returned due to an error. 

I called the banking center. They said it would take two business days to fix the problem. 

Today, which is 6 days later I was told they did not have an end date in sight. 

They would not give me a provisional credit.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I wrote my dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to manifest my dispute. Although I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute, I suppose it is possible that I may have missed something. I would truly appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I need to know what made my letter " suspicious '' and why Experian would think that someone else would want to have my credit report investigated. Does n't investigating my credit only really benefit me? 
I would like Experian to let me know if I can re-write my letter and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?
Consumer complaint received 2016-06-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (ME)

I was enrolled in paperless statements with Citibank. It is a secondary card and I 'm a pay in full customer who has never had a delinquency mark in 28 years on file. After utilizing this card, my work email was changed ( added my middle initial ) at my employers request which caused the electronic statements for Citibank to be returned. 

Subsequently after two full months and Citibank getting returned electronic mail, I was contacted to inform me my account was 30 days behind. I received a call on a Saturday for the first time and called back immediately. I was shocked but quickly realized why I would n't have paid the full balance which was because I never received the electronic statement. I was informed as a customer it is solely my responsibility to inform the financial institution of the change in email address. I was told that Citibank does not monitor return emails, and I asked if that was the same for mailed statements and was told yes. In the event this happens, their is no ability to utilize judgment to determine if based on the customer 's individual circumstances whether to correct the delinquency history. 

Additionally, I am concerned based on my good credit I was n't a priority to call while I was XXXX payment behind and before it impacted my credit history. 

I thanked the escalation representative I spoke to, let him know that I would voice my concern through this channel- unfortunate. 
Again, this is not a financial issue. I paid off the account immediately which I always do, but now I have a 30 day mark on my credit file based for the first time in 28 years.
Consumer complaint received 2015-08-25
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Lionstone Holdings Group (MO)

First message was left on my mother 's phone. When she returned call they provided her information about debt. Next I was called by a private number posing as a process server and said could not disclose nature of information needed to contact collector. At XXXX to gain any further information informatipnusing ref # XXXX. This phone number belonged to lionstone holding who sent me a letter via email. This debt was said to be {$490.00} from XXXX XXXX XXXX. I believe the debt collector falsely posed as a process server
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

Hello in XXXX of 2015 I submitted a web application that said I was preapproved for a basic checking account with HSBC. I was then declined. Customer support said I needed to hard pull my own credit report and then send it in to them for a deposit only basic checking account. After several weeks I then called them with my credit report and they said that instead I needed to reapply. I reapplied and received another pre approved status. This after several more weeks was declined again. They said that it was because they thought I would use it for business purposes. This was obviously false. I needed XXXX factor web banking and a bank that I could physically walk into a branch internationally if necessary. I had numerous other checking accounts in good standing as well. I have never mismanaged a deposit account and I have excellent credit. 

I then reapplied for HSBC premier. This was then forwarded to security and fraud based out of the XXXX subsidiary. They requested additional documentation that deviated from their stated acceptable identification. I supplied what they asked for anyway. HSBC then failed to communicate with me and apparently allowed my application to expire stating they were unable to verify my identity. My documentation exceeds XXXX requirements. 

Previously I moderated XXXX and have an extensive track record of accurate predictions regarding financial, economic and geopolitical events. This includes but isnt limited to every major fed QE and rate decision since the financial crisis, the recent pullback in XXXX, numerous XXXX decisions and many others. The fact that a preapproved basic checking account is being declined for someone who has never mismanaged a deposit account and has excellent credit undermines confidence in HSBC 's ability to competently conduct basic banking activities and the security of its current deposits.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (OH)

Unauthorized activity on my Barclays card. There 's still XXXX transaction that has n't been corrected. The fraudulent charge is from XXXX XXXX XXXX in the amount of {$4900.00}. I did NOT make this purchase. This is an unauthorized/fraudulent charge.
Consumer complaint received 2016-10-03
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MD)

Counterfeit checks were deposited into my checking account. I was told that I was approved for a loan and that they were going to deposit the money into my account, well money was deposited and I used the money to pay other bills, but soon found out that the checks that were deposited were counterfeit and I was charged for the money I spent plus fees for the returned checks. I am currently overdrawn by {$1100.00} and my bank account is frozen while my bank investigates. The loan company was ACE cash Express. This company also has the nerve to leave me threatening voicemail messages that I need to start paying back my " loan ''. I now have to open a new account and change all of my billing information.
Consumer complaint received 2016-04-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OR)

Got behind on modified mortgage payments. Received letter from SLS, LLC to catch up all payments or will go into foreclosure dept. on XXXX/XXXX/16. So we set-up an Informal Payment Agreement Plan. Have made two payments so far. They keep calling me aggressively. 
1 ) Can they demand that I set-up my checking a/c with automatic withdrawals until I catch up? Also stated that phone calls would end only if they can secure my checking a/c! 
2 ) Can I get the Informal Payment Plan in writing Thank you.
Consumer complaint received 2017-03-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Paramount GR Holdings, LLC (VA)

I started a refinance with Paramount Equity in California on XXXX XXXX. It is now XXXX XXXX and they keep stalling about the settlement. They told me 4 weeks and 2 weeks ago that I would have it settled by now. I have not heard from my worker and suddenly I have an email that I have to have another appraisal. I have no explanation about what this is about. 

I have immediately sent them any papers they requested. The only thing that I was late on was my income tax. My income is so low that the tax preparer told me that I would not have to do an income tax since it does not vary. Anyway, I immediately filed the income tax. I finally got a copy of it and sent it to the person handling the case then. She said she did not get a copy. Then she said she did not get a copy from IRS. 

The above incident took time. I contacted the woman who sent me my return at IRS. Still nothing was sent to this woman at Paramount. I did not hear anything more from her so I assumed she had obtained the Tax return. Valuable time was lost because of this. I eventually went to my Congressman, XXXX XXXX. He got the tax return. 

They sent me a letter saying they were denying my refinancing. After I complained to the organization itself, they wanted to work with me again. They said they did not need my tax return. It sounds like they might have lost the tax return. 

They promised me they would settle today. Instead I get a request from a person to call them to have another appraisal done. The last appraisal cost {$400.00} dollars that I borrowed from my son. I paid XXXX dollars to have my house cleaned as then I had a XXXX XXXX. 
I can not afford XXXX dollars now. If they had worked consistently and gave good customer service, it would have been done by now. We probably would not have needed the appraisal. 

They told me that I could get a cash out of XXXX XXXX and XXXX XXXX to cover my debts. Then two weeks later another person calls me and said no way I could get a cash out as my debt to earnings ratio is not great. 

I expected this to be over by XXXX at least. By that time I would have my debts paid and able to live on my income. I had to take out XXXX other credit cards as I was not able to live on my income because I had to pay debts. 

I have asked Paramount Equity and the whole list of people I have worked with : XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX to let me know what is going on and do not leave me stranded.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been wrongfully denied a loan modification by my mortgage servicer America 's Servicing Company / Wells Fargo because they claim that the alleged investor owner named XXXX XXXX XXXX XXXX will not Grant a loan modification to me a second second time within a five year period. However I have demanded legal proof that this investor actually owns the mortgage and provided them a fraudulent assignment of mortgage that was recorded against my property on XXXX XXXX XXXX buy a robo signer and fraudulent individual named XXXX XXXX XXXX a well-documented robo signer who claimed to be an assistant secretary for XXXX. The fact is XXXX XXXX XXXX XXXX has fraudulently claimed to be an owner of my mortgage when in fact the used fraud to make such a claim. I have attached a copy of the fraudulent assignment for your inspection. Secondly ASC / Wells Fargo failed to provide me any evidence or proof that the reason for denial is Justified or stipulated in any of my mortgage documents as they claim. I firmly believe that these entities are working in a conspiracy to steal my property and deny me the right to keep my home. Now they have a sale date scheduled for XXXX XXXX XXXX as an attempt to take my property even after I have proven that I do qualify for a loan modification once again and even after they have failed several times to meet my demand to prove that XXXX XXXX XXXX XXXX actually owns my mortgage without the fraudulent document recorded as an assignment of the deed of trust in XX/XX/XXXX.
Consumer complaint received 2023-07-11
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc. (WI)

Aidvantage/Department of Education They were suppose to discharge the loan with the Sweet V. Cardona Settlement . I was refunded the amount I paid trying to get it off my report. They told me by XX/XX/XXXX it would be discharged and I would be emailed a letter that nothing was owed. Well it came closer to XX/XX/XXXX and I messaged them and they tried not to address my questions. I finally got a response that they weren't discharging it by XX/XX/XXXX and now it will take 7 months from the time I got the letter that I was approved for discharge which was XXXX of XXXX. So now I am waiting until the end of XX/XX/XXXX. This affected us in XXXX. We got letters in the mail and we called the number to get treated very cruelly by a woman on the phone. She was threatening to put me in prison. I never had a student loan. I would know if I had a student loan.