davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

My wife and I have a VA mortgage with CitiMortgage. Three years ago we, like many Americans, fell behind on payments and were in danger of foreclosure. We were able to work out a repayment plan to catch up. Citi configured a 35 month repayment plan that was supposed to catch us up if we made an elevated payment for the 35 month period of the program. We owed approximately {$3500.00} when the plan was implemented. We made every payment for the defined amount before the deadline each month during the program. In XXXX of 2015 we made our final payment and called 10 days later to verify the completion of the repayment plan and status of our mortgage expecting to hear we were caught up. Much to our surprised we were told we were even more delinquent than when the program began, owed over {$5000.00} and were still in danger of losing our home. Citi immediately offered to work out another repayment plan to catch up on our mortgage. We appreciate your help in getting this matter resolved quickly.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

XX/XX/XXXX I got behind in my mortgage payments. My mortgage is a Texas Fixed Rare Mortgage. XXXX XXXX XXXX transferred it to Nationstar and I returned it to status. I did not sign a Modification at any time increasing my interest rate at any time, XXXX it was increased to 5 %, which put a burden on me and my granddaughter, we are on food stamps and Tanf. It is illegal to do this without written authorization.
Consumer complaint received 2016-01-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

On XXXX XXXX, 2015 ( approximately XXXX ) my daughter and I pulled up the the drive up ATM machine to make a deposit. Upon driving up to the machine I found {$340.00} ( {$360.00} ) still sticking out of the machine from the previous customer. I took the money into the branch ( XXXX XXXX XXXX XXXX MN ) and asked for the manager ... who was n't available. There was long lines for all the tellers so I flagged down a lady walking behind the counter and told her that I found this money in the drive thru. She took it and walked right away and did n't ask for any of my information or where it was found. Two days later I called the branch and asked for the manager and again she was n't available. I asked the lady on the phone if she knew if anybody had claimed the money yet and she said no. A week later I called again and actually spoke to the manager and she stated to me that nobody still had claimed the money. I asked how much time has to pass before my daughter and I get the money back. She stated that we do not get the money and that it actually goes into a dormant account. I expressed concern that they did n't even ask me for any information regarding my transaction to locate the person before me. She stated that even though the machine is a Wells Fargo machine that it is run by a separate company that they do not have access to. She stated that the individuals would actually have to file a claim for the money through their bank, because anybody can use the Wells Fargo machine, and they would be reimbursed that way. When I explained to her that I did n't give the money to the bank and that if the lady who initially took the money had explained anything to me regarding the process that I would never have given her the money and that the entire process was handled very unprofessionally when I went into the bank. I NEVER GAVE THE MONEY FOR THE BANK TO KEEP and would like it returned as if I was originally told the process for the customer to file a claim to refund their money. 

Thank you, XXXX XXXX
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

I cancelled my card due to a fraudulent charge that caused a major overdraft situation, and ordered a new Debit card. I went to my local Wells Fargo Bank branch to get a temporary debit card XX/XX/XXXX. I asked the branch rep if she could make sure my account would not allow transactions that would leave me with a negative. She said, " yes, we can do that. '' I asked if that protected me for online purchases, she said " yes. '' So for a couple months I 've been under the assumption that this service was available to me. Friday, XX/XX/XXXX I made XXXX purchases online, through XXXX, and I apparently went negative. The transactions went through XX/XX/XXXX, and after realizing that happened, I immediately went to the bank to put money in the account. I needed to made another purchase for work, and I put {$100.00} in my account Monday, XX/XX/XXXX, leaving me with a XXXX+ balance, which all seemed off. Then I checked my balance again, and I only had {$28.00} dollars! Se regardless of whatever efforts I made to put money in my account over the weekend, it did not matter. Seems that the bank waited to charge my account the next business day, confusing me, causing me to lose {$70.00}. I could have just closed the account instead and they could have lost a customer, and kept my money. I contacted several customer service people yesterday and today, and they said " they can not do anything about it. Sorry you were not given the right information. '' I also found out that the service to not allow my account to go into the negative was never on to begin with, and was only specific to the temporary debt card, not my account. Customer Service " apologized for the inconvenience '' then activated that for XX/XX/XXXX. But then they explained that anything online would be considered an Automated Payment, and that is n't going to be protected by that service anyway, which goes against what the representative at the branch said. So the information I was given was faulty, the help I 've received was little too late, and the apathy for this customer misinformation is astounding. I really would like my {$70.00} dollars back thanks to this. I did n't deserve this slap on the wrist. I manage my account as best as I can, and try to stay as informed as I can. I remained calm, but I know I require more help to get my cash back. That 's my hard earned dollars and I do n't deserve to be punished for something I obviously tried to prevent from happening.
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

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. per Foreclosure Trustee fraud allonge knew the allonge was not sign by banking officer but by document manufacturing company XXXX several years after the bank cease to exist from a defunct institutions similar to XXXX featured in XXXX fraud on court several allonge, XXXX XXXX Unconscious deceptive allonge of XXXX XXXX, XXXX XXXX undatedXX/XX/XXXX Matter set for hearing on XX/XX/XXXX at XXXXXXXXCopies mailed per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX XXXX XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX
Consumer complaint received 2015-06-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Thomas & Williams LLC (IL)

I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I would like to file a formal complaint against Toyota Financials for mishandling consumer information and also for illegal business practices. 
On XXXX/XXXX/XXXX, I applied to lease a XXXX Toyota XXXX XXXX at priority toyota of springfield. On XXXX/XXXX/XXXX, the application was denied by toyota financial services ( Please see attached ). When I received the denial letter, I went to the dealership to return the vehicle. This happened the day after I received the letter. Dealership refused to accept the vehicle and threatened to tow the car at my expense. Dealer printed new temporary vehicle tags that was set to expire a month from XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I called the bank to see if I could make a payment on the vehicle since the next payment was due on XXXX/XXXX/XXXX. Toyota financials told me that they did not have account number so I could not make a payment on the car. They told me talk to the dealership. I went to dealership to return the car since there was no financing for the car. Dealership again refused to take the car back. This time the Manager XXXX XXXX told me that he will call the towing company himself to tow the vehicle at my expense. 

During this time from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, both priority toyota and toyota financials kept checking my credit reports. They checked the credit report at least XXXX times on different dates for the same application. 

On XXXX/XXXX/XXXX, I received a call from toyota financials telling me that my account is past due and that I should pay {$610.00} by XXXX/XXXX/XXXX or they will take legal action. I paid the {$610.00} to toyota financials on XXXX/XXXX/XXXX to avoid my credit being ruined. 

On XXXX/XXXX/XXXX, toyota financials reported my account as 30 days past due to the credit bureaus which resulted in a XXXX point drop to my credit scores. Please see attached files. 

I am appealing to the XXXX XXXX XXXX to look into this matter to see if anything can be done to help resolve this issue. 

Thank you.
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Consumer complaint received 2016-02-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (FL)

I had several accounts with Paypal, personal and for my business. I had been being paid by clients who gave me their Paypal Cash account number so that those funds could be deposited to my account, and thus to my bank. Paypal had limited my account stating this was prohibited. I was doing nothing illegal and I report on my taxes as I would any revenue received from a client. I wrote Paypal and they stated my account would be limited. I spoke to a rep from Paypal who after review, released all the funds but stated the account would be limited for 6 months. It has been 10 months now and I can not use ANY Paypal accounts. I can not use Ebay as a result of this and I see that a recent class action was settled regarding limitations, however I do not know the exact details. 
I wrote Paypal asking the status and received a response that the account is permanently restricted. I do not understand this after being informed I needed to wait 6 months. They had asked for copies of my ID, a utility bill etc. and I complied with everything. Now they end their letter stating I should use some other service, in effect telling me to go away. ( copy attached ). The XXXX accounts at Paypal I am referring to are emails : XXXXXXXXXXXX and XXXXXXXXXXXX They imply I am guilty of some " scheme '' and after speaking with them, supplying them with ALL the info they asked for, etc. and their refusal to engage in a honest and forthright way, certainly speaks to their unfair business practices and potentially to violations of the law. 
What can be done about this unfair treatment. I have clients who rely on Paypal to remit to me. It is impairing my ability to conduct legal commerce. 
Thank you.
Consumer complaint received 2016-02-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Army and Air Force Exchange Service (VA)

I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. 

They claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. 

After contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all!
Consumer complaint received 2016-03-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Rosen Management Services Inc. (CT)

I have received several phone call from a company called ROsen Management Services. I sent them an email stating that I disputed this debt and if the debt was real to send me all the paperwork or bill pertaining to this debt. Also stated from this day forward XXXX/XXXX/2016 at XXXX you are not to contact me or my employer. and then they sent a Vertification of Employment to my Human Resoursed department yesterday at XXXX. I just want this to stop. They have also contacted my Ex husband and told him that I was going to be arrested if I did not take care of this within the hour.
Consumer complaint received 2015-12-22
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (FL)

Representatives from Navient continue to call and harass me about my daughter 's student loan. It is not my loan and I am not a co-signer on the loan. The most recent call was XXXX from a woman named XXXX she left the number XXXX XXXX XXXX. They call me at work and at home. I have asked them to stop calling me but they continue to call.
Consumer complaint received 2015-07-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

My Wells Fargo home loan " Home Equity Loan ''. Was changed to another loan called " Smart fit Equity Line '' we filed bankruptcy 2 years ago. The home was not included in the bankruptcy chapter XXXX. Wells Fargo has locked my account so I can not make a paymentThey say because of the bankruptcy. I have tried to make a morguage payment on the XXXX and XXXX of this month of XXXX 2015. They also increased my payment which I was going to pay, I have payed this amount XXXX times before with no problem, I have been doing it with difficulties but getting it done.
Consumer complaint received 2015-12-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2015 I tried to deposit XXXX checks into Bank of America 's ATM ID # XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The ATM made all kinds of crazy sounds, took my XXXX checks in the amount of XXXX, XXXX and XXXX totally XXXX. ATM gave a message of something like ERROW and kept my XXXX checks. The ATM did spit out a receipt stating " We apologize for the inconvience. We are unable to process your request and can not return your items. I have the receipt if needed? 

Bank of America 's claim number is XXXX, I spoke with XXXX in ATM Fraud Dept. 

Today I call Bank of American 's Customer Service number on the back of my Debt Card twice. After going through all the phone prompts, a message came on saying " due to unforeseen circumstances we ca n't take your call ''. Then the phone call is disconnected. 

I want the XXXX checks found in this ATM and my account needs to be credited XXXX.
Consumer complaint received 2015-11-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo financial services is reporting a late payment history incorrectly. I mailed in my payments. They issued XXXX account number to me initially then did not inform me until this past XXXX. Also, they charged me for forced placed insurance when I had insurance on the car. I have made all attempts to correct however, theyou only partially corrected it. I also request that the XXXX they changed me be credited to my paments, they refused and credited to my principle balance.
Consumer complaint received 2016-03-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Russell W Richardson, Attorney at Law (NV)

I received a call at my place of employment. They tried to scare me when they first called stating, or good, is this ( he proceeded to say my name )? I need your human resources department if you do n't have 10 minutes for me to transfer you to our legal department. I asked who he was and what legal department. He raised his voice and said I already told you who it was, DFC Legal Services. I asked who that was and who the supposed debt was too. He proceeded to talk over me and told me he hopes I was aware that our call was being recorded, and I said good. I asked again who this debt was supposedly to and he said he could n't tell me but I needed to call XXXX ext XXXX. I proceeded to tell him NEVER to call me at my place of employment again or I would be fired.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (OR)

Every time I find incorrect information on my credit report whether it is personal or otherwise I dispute it. Now keep in mind I am disputing information a company has given to the credit reporting company without having to prove any of it. In fact upon speaking to someone at the credit reporting company I found out this information from the reporting company is given verbally aka over the phone or via email. The company giving this information only has to provide enough information about me ( which they can obtain most of from the credit reporting company itself ) for the credit report company to it on my credit report ; no documentation is required. When I dispute say a incorrect account the credit report company has to verify it with the company who reported it ; this includes even when I provide documentation from the company who reported it in the first place. If a company verbally gives the credit reporting company updated personal information about me such as address, etc. and I dispute the information as it is incorrect, I have to mail in documentation PROVING that it is incorrect. The documentation I have to send in is very specific such as a state issued ID, utility bill, etc. I have had to correct my address with the credit reporting companies many times over the years.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

CASE ID : Previous CFPB filed XXXX XXXX, 2013 case number is : # XXXX against the credit reporting agencies included correcting the BOA Credit Card Judgement issue. Current credit card report received yesterday from XXXX & XXXX show that BOA Credit Card did not take action to correct or settle this complaint. Negative is still showing by the credit card reporting agencies due to negligence of BOA Credit Card Dept.