davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

My husband and I purchased a home in XX/XX/XXXX that accommodated his XXXX as a result of two unsuccessful XXXX. Since I took a temporary family leave from my job, I was not on the loan with Wells Fargo, due to no income ; only my husband 's pension and social security were used to qualify. The downpayment of {$110000.00} did come from my XXXX. For the next two and half years, XXXX and in XXXX XXXX, my husband was XXXX and died in XXXX XXXX. For the past two months, I have been trying to communicate with Wells Fargo, both in person at a branch and by the customer service number. On several occasions, I have been given wrong information, told to send documentation ( attached to this complaint ) of his death certificate, copy of his will, completion of probate, etc. I explained that I am now 100 % owner due to joint tenants with right of survivorship, although it was also referenced in the will. Wells Fargo still refuses to allow me to discuss the loan, only the executor of the will, although I have been the one making the payments. They have made errors in applying early payments, showing as principal reduction. ( I purposely made payments to get ahead and cover the next three months XXXX. I have ask that the loan be placed in my name and under my social security number, but each time I am told I must qualify for the loan ( I just returned to work ) and pay an assumption fee of 1 %. Since I previously was in mortgage banking for 29 years, I told them they were incorrect, due to my circumstance. I was then told by the clerk that due to the Dodd-Frank Act, everyone must prove the ability to pay. I told her I just went back to work XXXX, did not qualify ; she told me to call back in a couple of years or better yet, just pay them off. Frustrated, I checked your website and found that the CFPB does not require the lender to qualify a person when it pertains to inheritance, divorce, etc. ( as I already knew XXXX. I tried called two more times, and got the same response from other individuals, although the last woman said they could speak to me only if the executor gave them permission. I explained that the probate was already complete and the paperwork had been provided to them. Clearly, I am getting nowhere but continue to provide more and more information. 
All I want to do is have the loan showing me as being responsible ( it is NOT owned by the estate ), be reported under my social security number ( not my husband 's number that now shows as being retired due to death ) and be able to speak with them to correct errors. 
Please help!
Consumer complaint received 2015-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

My bank continues to charge me overdraft fees even though I refused to opt in to such a " service ''. I was under the impression ( please correct me if I 'm wrong as I am no expert ) that unless I set an account to automatically withdraw from my account ( currently only my Landlord and XXXX do so ) that they were not legally allowed to do so unless I opted into such a " service ''. I most certainly did not. Please help.
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY CREDIT SYSTEMS INC (NY)

In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it. 

Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. Please help.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NY)

I used to have an American Express XXXX XXXX, which I closed about a year ago. A few days ago, I received a bill from American Express saying that I owe then {$920.00} ( due by XXXX/XXXX/15, closing date of XXXX/XXXX/15 ) on this closed card. The bill shows a charge for {$920.00} processed by American Express on XXXX/XXXX/15, in XXXX XXXX ( XXXX XXXX XXXX, a hotel ). I immediately called American Express and informed them that I no longer have this card, which should have been closed a long time ago. A person at the fraud department at American Express did reverse that charge, but refused to tell me how any charge, whether fraudulent or not, could be processed on a closed credit card account. I was also informed that I will never know how this happened. I 'm filing this complaint because this suggests that American Express has a huge gaping security loophole that needs to be closed, and the public needs to know about this. I would also like a much better explanation on how this happened and what I need to know to prevent future incidents.
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (TX)

I received voice messages repeatedly about a debt I am not sure I owe. This company keeps threatening me to take me to court in XXXX XXXX and will not offer me information about the debt. When I spoke with someone finally he became very rude and would talk over me and would not let me speak then he hung up on me. I do not feel this is a legitimate debt but most importantly I think they are using illegal scare taticts.
Consumer complaint received 2015-11-09
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MI)

I use paypal to transfer funds for payment and receipt of payment. 

With respect to payment receipts, paypal recently revised their system to report the amount that was sent to me as the funds transfer total without any regard to the net amount after paypal removes its fee. thus, paypal is over reporting each funds transfer and my total account balance. when asked, paypal states that they can not do anything about this because of their recent changes.
Consumer complaint received 2016-01-10
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Onity Group Inc. (MD)

ocwen lona servicng XXXX, XXXX, XXXX XXXX, XXXX debt collector above the law, gaming the sysyem, a pattern as attached will answer XXXX, Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. 
judge rule for hearing on XXXX/XXXX/XXXX hearing date XXXX/XXXX/XXXX law firm debt collector back-dated information set sale date for XXXX/XXXX/XXXX beacuse they are above the system, gamiing the sysytem mailed dated sent for sale date was stamped XXXX/XXXX/XXXX denial my right to defend, knew the documnets file in court was fraud the assignments document fraud to game the sysytem they set a sale dat before the hearing, this a partner with this firm XXXX, XXXX, XXXX XXXX, XXXX, of XXXX, XXXX as atthached
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

I was trying to claim a fraud with Wells Fargo - my bank and they would not assist me. 
I have deposited a check on my account and month later the money was withdrawn from the account and returned to payee. I was explained that the money was deposited XXXX, XXXX deposit was in XXXX. I do n't have an account and I feel that this is a fraud. The payee does n't want to act as money went away once and my bank does n't want to investigate this case further.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MO)

Dear Sirs : I am filing a complaint against Wells Fargo for denying me a loan modification and for denying me an appeal, as well. 
I believe that I am entitled to a modification because my son, who is co-borrower, lost his jobs on several occasions and was denied unemployment. Although he has found other employment, He is not earning as much as before. We have gotten behind in payments and we are not able to afford the mortgage. 
If you could stop the foreclosure process and make my payments affordable, I will be grateful
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (PA)

Tried to open a credit union account in XXXX, Ca - was told that there was a freeze placed on my social security number in relation with my credit due to a fraud alert which I did not submit but which was submitted through experian using my information. I called experian to have the fraudulent freeze removed only to be told I was not allowed to access the information because I was not the individual who initiated the freeze and was hung up on by the agent after being offered to pay {$300.00} to join a program to eliminate debt. I acted with integrity and was told I was not allowed to access my own information by and through experian. I now can not do anything with my finances because of this fraudulent freeze placed by someone other than myself but who used my social and clearly enough information to successfully place a freeze on my social and credit profile. I demand to know the IP address or mailed submission which initiated this claim and I demand to have the recorded phone conversation I had with the experian agent who illegally denied me access to my account and the possibility of removing this fraudulent claim thereby making my financial situation unlivable and extremely traumatic. I also demand this fraudulent freeze be removed IMMEDIATELY and that I receive the information of all the responsible parties previously mentioned as I am seeking legal action to the fullest extent. 

I can not attach any relevant documents regarding my credit or this freeze clearly because of this fraudulent activity as I was and am now denied access to my OWN credit information and specifically this erroneous freeze.
Consumer complaint received 2015-07-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My last statement from Ocwen Bank is dated XXXX XXXX,2015. Today is XXXX XXXX, 2015. When I called them today I was told, because of 'technical problems ', statements were not sent out in XXXX or XXXX but payments are to be made anyway. If payments are delinquent or late there will be fees levied against the 'offenders ''. Since Ocwen is a debt collector I am concerned they will use this as an excuse to foreclose on some home owners. I personally know someone who has just received a loan modification, his acceptance of the new agreement is shown by his next payment. I am concerned they will use this as an excuse to negate their agreement. Not everyone would catch this behavior. 
If this really was a 'technical problem ' then there should be a grace period for those affected by it. 
This is the XXXX time in as many years that Ocwen has not sent me a statement. Please check up on Ocwen to see how many people this 'technical problem ' has harmed and how much money in fees this 'technical problem ' has netted Ocwen.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current.
Consumer complaint received 2015-12-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I transferred funds from my XXXX Checking Account to my USAA Checking Account on Friday, XXXX XXXX. This is not the first time I have transferred funds from and to these accounts. This is however the first time USAA has held all but {$100.00} for 4 business days, which has ruined my attempt at surprising my wife and son for XXXX. I called USAA to inquire why they were holding my money and was told that it 's due to my maintaining a low balance in this account ; that the amount being transferred ( {$630.00} ) was much higher than my average daily balance of {$40.00}. I only use my USAA account for work-related expenses ; to pay for parking, toll road fees and an occasional cup of coffee. I 've researched the XXXX, Title XXXX, Chapter XXXX, Subchapter A, Part XXXX, XXXX, which states electronic transfers should be available the next business day ; and I find no " Exceptions '' that speak to maintaining a low balance.There 's no reasonable business reason for this punitive rule other than to squeeze out a couple of pennies from each consumer. What this USAA ( Low Balance ) rule essentially does is penalizes consumers by holding their money hostage unless they maintain higher balances in their accounts. If they ca n't make money off of your money on a daily bases ( low daily balance ), then they 'll hold your money if/when you make a larger deposit and make money that way.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

Social Security is making a false report to the credit bureau that we owe them money and that we have n't paid according to the agreement. We had no agreement and do n't owe them anything. The credit bureau wont remove this negative info and were stuck in an endless loop of nobody will protect us from this extortion by the Government Social Security division. Extortion is exactly what it is, you pay or else and nobody can check our hand.
Consumer complaint received 2015-06-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (FL)

According to this company, that I do n't know exactly what its real name is, my mother, XXXX XXXX, has n't paid a bill from the XXXX she had done last month on XXXX. My mom has already paid a bill from this procedure already. She has n't even received any other bill. This lady said her company has been sending this new bill to my mom 's but she has n't received it because the address they said they have on record was n't my mom 's. If this is not a scam, they should correct the address they have in the system, send a new paper bill and give my mom a reasonable monthly payment. My mom was stated that she has been previously contacted by other XXXX speaking representatives to collect this debt which amount is according to this lady, {$900.00}. My mom has n't received any call from them before. My mom was asked to pay this amount immediately by phone that day or they will report her to the Credit Report Agencies. My mom got really scared and called me. I have repeatedly called them and nobody answer my call, and I have left my name and number in voice messages. When you call the welcoming says " Nation Wide ''. What kind of medical institutions or debt collectors institution is this XXXX that attempt to collect a medical bill this way. My mom asked if she could pay this debt little by little and they told her that she had to pay that amount in full. I think this is a scam.
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I had XXXX and should have been covered. It was due to the hospitals mistake of marking me male, I contacted them as soon as I found the mistake but they said I would have to verify who I was with the XXXX provider. After talking with my XXXX provider, they assured me that there wouldnt be an issue. The hosital continued to say I owed them money and sent it to collections. I was and still am covered by XXXX.
Consumer complaint received 2015-07-23
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC (PA)

The debt collector called my mother 's best friend asking for myself or my mother XXXX the co-signer ) and identified that she was calling to collect a debt. The same debt collector left a voice mail on my mother in law 's phone ( she had no previous knowledge of my debt as the loans were taken out before I was married ). This voice mail said the name of the collection agency as well as that it was " an attempt to collect a debt ''. She also called my stepmother and told her the same thing- that she was calling to collect on my student loan debt, that she also was not aware of.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to post a report of a duplicate negative report from XXXX XXXX XXXX Transunion # XXXX despite my continued complaint that this account is in Arizona, and not XXXX account. I have no account with XXXX XXXX, and I owe NO money to XXXX XXXX. Arizona is the originator of the account, and should be the only XXXX reporting to the credit bureau. See attached XXXX credit report showing the reporting of the account which was also reporting twice the same account. This was recently cleared up. I was just turned down for a credit card with XXXX on XX/XX/2016 due to my credit. See attached. This incorrect posting of this account can affect my job prospects as well. The facts are that I have overpaid my Arizona child support by {$8000.00} plus dollars, but that 's another story. Please take into account my XXXX years of military service of this country, and how I must feel being unfairly punished by this misreporting, and seemly impersonal process by Transunion.
Consumer complaint received 2015-04-22
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ECMC GROUP, INC. (IN)

I submitted a claim with the cfpb in XXXX ( case # XXXX related to case # XXXX ) where I asked ECMC in writing to cease all phone calls to me at both my work and my cell. Their response on the explanation of closure is " Nevertheless, ECMC has honored your request and placed your account into a do not call status. '' Yesterday XXXX/XXXX/15 at XXXX XXXX contacted me in an attempt to collect on this debt. Then she informed me that no automated computer or recording would ever be contacting me. Today XXXX/XXXX/15 at XXXX XXXX called me and it was a computer/automated call. Then again at XXXX this same day XXXX/XXXX/2015 another call to me was made from ECMC from XXXX. So they are not doing what they promised cfpb, nor me. This case is pending a hearing and I need EVERYTHING in writing either via email or letter. And I need them to cease the calls immediately.
Consumer complaint received 2015-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently.
Consumer complaint received 2016-03-18
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.C. System, Inc. (FL)

I received an alert from Credit report monitoring service that negative information was posted to my credit report by I.C. System. I did not know what it was about so I contacted the collection agency. They said that they sent XXXX letters regarding the debt from Medical Doctor office and have not received any response from me so they have posted debt to my credit report. 

I have not received bills either from that doctor office or from I.C Systems. The bill was from XXXX XXXX when I was admitted to hospital with emergency child delivery and I paid hospital in full. I had no knowledge of bill coming from other doctor office. 
When I called I.C systems they kept saying that I was supplied the bills and have ignored them. I always pay bill on time, never had debt reported and I clearly was not aware of this. 

I followed up directly with Doctor office and they advised to deal with I.C XXXX. They said that letters were sent and returned by Post office as they were missing apartment number. They did have my phone on file but have not contacted me to notify about the bill. I am yet to file a complaint regarding this doctor 's office practices. 

I decided to pay I.C System in full ( {$300.00} ) as they now had my debt and I needed it removed from credit report. I made a payment in full on Monday, XXXX XXXX, XXXX. They said they will send update to credit report the following week. 

On XXXX XXXX I received a letter in the mail from IC Systems dated XXXX XXXX, XXXX that looked like initial letter from this company. It notifies me that they would like to collect a debt from Doctor office and would like to make payment arrangements. They even offered to use tax refund ( if there is one ) to cover this bill. There was no mention that they have already reported this to Credit Bureau. 

I believe the I.C System did not follow procedures. They reported debt to Credit Bureau before sending request for payment to me. I would have paid the debt and I do n't need to have it reported. In fact, I would have paid it to the doctor office if they did n't fail to contact me. Instead the lady from I.C System was rude and kept saying that I was delivered XXXX letters from them and previously from doctor, that was not the case. The 1st letter I received was the above mentioned.