davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Regarding : MONEY GRAM On XX/XX/2017 at XXXX ; XXXX PST, I went to a Money Gram store to send money to my aunt in a rural town in XXXX, I sent {$100.00} Us dollars. I have the receipt and confirmation number which will be attached. My aunt XXXX lives in a rural area of XXXX, XXXX, XXXX which does not have a town market nor does she own a personal telephone. She was not given the the reference number for approximately 1.5 weeks ( because she had no access to a telephone nor ride to pick up the money ) when she was able to get a ride into the nearest town of XXXX, XXXX, XXXX. When she arrived to XXXX at the XXXX she was told the money was already picked up the same day the money was sent, at XX/XX/2017 XXXX. This was impossible since she nor anyone else had the reference # until the day she went to town. I immediatelty contacted Money Gram to make a complaint and get a refund or find out what happened to the money I tried to send my aunt to assist with her medical care. I was given a case # XXXX and was told they would do an investigation. Today XX/XX/2017 I was left a message by a XXXX at XXXX ex XXXX when I attempted several times to call back without reaching anyone or real person. I called XXXX and spoke to different staff to no avail I asked and reached a supervisor named " XXXX '' which refused to identify herself by a badge no employee number, she told me my aunt picked up the money she refused to tell me where, which, state, city or store. She told me it was Money Grams policy not to provide that information that if I wanted that info I would need to take them to court. My wife then got on the phone with XXXX and stated we felt " Money Gram '' stole this money because no one was given the access or reference number. XXXX stated your aunt picked up the money I asked her where? She then asked me where we sent it and we said XXXX and she said yes XXXX, she then asked what city and us knowing there was no store nor bank in XXXX we told her the name of the local village our aunt lives in and XXXX then said the money was picked up there in XXXX. We confirmed that she was indeed lying to us and decided to submit this report to the CFPB for assistance in obtaining our money back. Please feel free to contact us by phone or email
Consumer complaint received 2017-02-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America broke the rules. Bank of America has defrauded me and the bona fide purchasers of my home and real property. 

In the Bank of America letter of XX/XX/XXXX issued through their legal counsel, Bank of America represents and claims I was denied MHA HAMP and a MHA HAMP TPP on appeal in XX/XX/XXXX and XX/XX/XXXX based on th initial review of RMA applications. The referenced Bank of America XXXX letters are NOT denial decisions on appeal. The referenced Bank of America XXXX leters are, in fact, the required written resolution letters on lodged escalated cases. The XX/XX/XXXX response was issued in resolution of the XX/XX/XXXX CFPB case number XXXX detailing actions taken on the account to date at that time and is not a decision on appeal. When Bank of America represents to me this CFPB response is a determination on appeal, they are making a misrepresentation on a mortgage, Deed of Trust, and real property. The XX/XX/XXXX response was issued in resolution of an in-house esalated case and complaint detailing actions taken on the account to date at that time and is not a decision on appeal. 

Bank of America has a whole department staffed with qualified personnel whose sole purpose is to conduct reviews on timely requested appeals. Even Bank of America 's legal counsel ca n't tell the difference between ( and is unfamiliar with what is ) a SPOC/CRM issued correspondence and what that represents, what is a boiler plate template piece of correspondence generated through an automated system by document processing personnel, and what is a denial letter on appeal. It is costly and unfortunate Bank of America is allowing their legal counsel to be so mislead and, therefore, allowed to make misrepresentations to me. 

Whenever an appeal review is conducted, an Appeal Report is generated by the Appeals Specialist who conducted the review detailing their findings and determination on appeal. To date, Bank of America has produced only one ( 1 ) such document evidencing an appeal was actually conducted. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. I have told the whole of it within XXXX Bank of America CFPB complaints ( XXXX if you count the one I lodged against XXXX as a debt collector ). 

All previously mentioned resolutions are desired and mandatory and are to include every single Appeal Report generated associated with this account to date evidencing an appeal review was, in fact, conducted and completed.
Consumer complaint received 2017-02-16
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2017, my card was charged {$25.00} from XXXX and {$60.00} from XXXX. I did not approve or make these charges. After calling both XXXX and XXXX i realized someone was using my card to make these unauthorized purchases. I have an email from XXXX stating these charges were made on a different account with my card and were fraudulent. I also spoke with manager XXXX at XXXX who printed me out a statement to where the pizza had been deliver. It was not my address or name or number. I disputed these charges the same day with American express Serve. I was informed i had to call back because the charges were still pending. I called back that following Tuesday and put in my dispute. Less than 24 hours later i received an email from American Express saying, as per their investigation, the charges were authorized and they were permanently locking my account. I called and spoke with numerous supervisors and made them aware, as i had from the start, that i had an official email from XXXX stating the charges were fraudulent and XXXX would also say the same. On top of having been stole from, my bank did not investigate my claims or these fraudulent charges, basically telling me i was lying and closed my account which i have been in good standing with for over 2 years and my paycheck is deposited on. I was advise to fax the proof and a document to American Express. When i called to see if it was received they told me they could not do anything because the account is permanently locked. I just want my {$85.00} back and a apology for the lack of investigation and closing my account.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc. (MO)

I was a co-signer on an apartment lease for my son from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX only. My son signed another lease from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX without me as a co-signer or guarantor. I paid his rent during the time I was his co-signer ; however, he was solely responsible for the next year 's lease. He owes the debt, not me for the months of XXXX in the amount of {$2000.00}. I tried to explain this to the collection agency many times but they continuously harass me stating, " They do n't care. I 'm his mom. I 'm liable too. '' He 's XXXX years old.
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I purchased my property from HUD in XXXX with an FHA rehab loan through XXXX. After closing the loan I expected to receive a welcome package, mortgage statement with bill and address etc. However this never came. I tried to contact the bank to find out what was going on and they told me that the construction loan had not been released. I did not understand what this meant and tried to just begin making my payments on the loan. However, they would not accept my payment and told me that I was in foreclosure. I have tried repeatedly over the last few years to straighten this situation out but it is if I am invisible. The lender claims that none of this happened, then the loan got transferred to XXXX or XXXX. Same thing, they told me they had no idea what I was talking about, I was even told there was no record of my mortgage loan. So I continued living in the property and had a renter in the other unit. Now the loan has been transferred to Bank of America and they have set a foreclosure sale date on my home for XXXX XXXX. I have tried to get to the bottom of this situation. They began sending me mortgage statements a few months ago, after 9 years of nothing. What is interesting is that the mortgage statement claims that the contractual remaining term on this loan is 29 years and 9 months. ( paperwork attached ) That means they are claiming I took out this loan in XXXX XXXX, when the title indicates I bought the home in XXXX. 

Something very fishy is going on here. I am trying to get to the bottom of it. I want to try and fix this problem and fix this loan but I ca n't even get a straight answer about what has happened with this loan, the failure to release the construction loan, why there were no statements issued etc. Of course any efforts to try and get Bank of America to allow me to apply for programs to SAVE my home are met with fierce resistance or indifference. I have never had the opportunity to apply for any type of programs that would allow me to be reviewed for retention options based on my current financial circumstances. I was never offered mediation as required in the state of New Jersey. I was never offered Occupied Conveyance. I was never allowed to be considered for any home saving programs and I do n't know why any of this happened. I really need some answers.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Early Warning Services, LLC (AL)

I attempted to obtain a consumer report relating to my banking history via a telephone call to Early Warning Services. Early Warning Services is a credit reporting agency and is listed on the consumerfinance.gov website. 

During my phone call to Early Warning Services, I was told that I could not have my credit report because Early Warning Services could not verify who I am. 

I was told during the phone call to Early Warning Services that I would have to fill out a form, submit documents and wait for a month before I can receive my credit report. 

Early Warning Services is withholding information that I need and I want my credit report.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have contacted Transunion for several years about their reporting tactics against me. This credit bureau reporting company places information on the file like wrong social security numbers, addresses, DOB, and other material that belongs to others. Numerous of statements have been added to prevent this problem from occurring ; however, it has been ignored for years. 
the most recent report has student loans that are closed or has been removed as open and is reflected in my overall credit debt owed. The information is incorrect and has caused problems with my security clearance updates. I have written to Transunion and called about this issue. They will fix it while your on the phone but 2 weeks later the information reverts to being the same old problems I believe there is a problem with the reporting systems and would like to block transunion from providing any reports about me to anyone. The information is invalid and creates more problems than what it is worth. The other XXXX agencies have their issues but not to the point where it is repetitive and causes harm.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filling this complaint because I have been ignored by the Transunion. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (NC)

Resurgent Capital recently reported a debt for {$2000.00} on my credit report. I never received notice from them about this debt before it appeared on my credit report, so I was shocked to find it there. I immediately contacted their office, and requested information about where this debt originated, and itemized detail of the charges, and explanation for why it was reported on my credit report prior to me having an opportunity to answer to the charges. Nearly two months have passed since I made this request, and I have received no response from Resurgent Capital. Nevertheless, they continue to report it on my credit report.
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I made payments as needed for all months in XXXX. The credit card company said they did not receive XXXX or XXXX. I provided proof from my bank they were paid and even went as far as to set up a conference call between the credit card company, myself and my bank. After the credit card company refused to apply the amount to my credit card account balance and remove the late fees, I went ahead and placed a stop pay on the 2 months of payments and paid the credit card company {$400.00}. I was told that my next payment would be due XXXX. Since that time I have been receiving XXXXXXXX phone calls per day saying that because my credit card balance is over the limit by {$500.00} that I need to pay them now regardless of what was said/done when I paid the {$400.00}. I have referred the callers back to XXXX at the credit card company to go over the particulars yet the calls do not stop. To make matters worse, they have now reported me to the credit bureau and said I 'll need to dispute it with them. 

Please help!!! I made my payments as I was supposed to however, they did not process them ( Proof provided from my bank. ). I paid them an agreed upon amount in XXXX XXXX with the understanding from XXXX on their Executive Communications Department that my next payment was not due until XXXX. Despite all of this, I 've now been reported to the credit bureau and receive multiple phone calls per day, even while at work, harassing me to pay my over limit balance immediately.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I opened my capital one credit card about 2 years ago in XX/XX/XXXX. When opening the card I reviewed the options and went with their Platinum MasterCard which explicitly states there is no annual fee. I have been charged a {$19.00} annual fee for the past two years. Each time they have offered to waive it on a one time basis. I was told on XXXX/XXXX/XXXX at XXXX EST that it is part of my terms and unless I have the paperwork from over two years ago they will not change it. I was also informed by a supervisor that it was possible that I applied for a card with no annual fee, but they while processing the application added on an annual fee. For me to submit an appliaction for a card which has one benefit being no annual fee, and for that application to be " approved '', yet it is not approved since they changed the terms is extremly misleading and deceptive. The link below clearly states in the disclosure for this card " Annual Fee : None. '' even further down in the disclosures there is no mention of annual fee subject to change based on application. 
This is the information they are required to provide for me to make an informed decision and it is the information I used when I decided to apply for this card. I entered the agreement using their information, on their website, which clearly states in no uncertain terms there is no annual fee. 
I have tried to work with their customer service to have this remedied to no avail. I am not asking for any refund as they have waived the fee each year, simply that the fee no longer be assessed in the future. 

https : //www.capitalone.com/credit-cards/platinumXXXX
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have never opened an account with XXXX. I would like to have this account removed from my report. It seems as if the account was closed and is causing harm to my account. I do n't shop at XXXX and Never opened this account with my ssn. I am extremely concerned that someone has my information and can use it again at their leisure. Please help me to remove this account! Thank you!
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: USCB, Inc. (CA)

ILLEGAL COLLECTION. Debt validation was requested from USCB but all of the attempts to get ahold of this company went ignored. However, they keep harassing and calling at inappropriate hours threatening to arrest and garnish wages if not paid but they were never able to validate the debt or to confirm they have the right person. this must be stopped and they need to stop reporting these illegal collections to my credit report immediately
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to the Bank of America ( BoA ) branch XXXX XXXX XXXX, NY on Friday XXXX XXXX, 2015 to pay my credit card bill in person with the payment coupon provided by BoA for a bill due Tuesday XXXX XXXX, 2015. The teller misapplied my payment to another account. I called BoA to fix the error on Monday XXXX XXXX, 2015 and I was told by the BoA representative that BoA would charge me interest for 7-10 business days after which time they would retract the interest from my next bill and apply my payment. 

I pay my bill in full every month and have had this card for 25 years. My payments that day ( I made XXXX cash payments to the same account ), if properly applied, would be for the full billing amount - no interest would be paid to BoA. I am unhappy that BoA misapplied my payment even though my payment coupon was printed for the proper account and that they are charging my account interest that they otherwise would not be able to ( by misapplying my payment to another account they prevented me from paying off said account in full ). Their solution to allow the interest to accrue and then take it off my next statement is unacceptable. By delaying the transfer of my payment to the proper account for 7-10 business days they hurt my credit and fraudulently charge me interest that they are not entitled to. 

When I asked the representative for a reference number for this transaction ( moving the payment to the proper account ) I was informed that BoA offers no such reference. I asked her for her name so I could have some verification that I discovered and reported to BoA the error in applying my payment and she would only give her initials. By refusing to provide me with verification for my request to fix BoA 's error, and only providing me with the initials of the representative after I pressed her for some type of verification, BoA gives the appearance of trying to set up the customer to suffer further errors ( BoA can always say they never got my call to fix their error, for instance ) in order to charge consumers more interest fraudulently. Applying my payment to the proper account should be made the same day I reported the error, especially as I found and reported the error in advance of the the bill 's due date.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

After my mortgage had been changed over to Wachovia Mortgage from XXXX XXXX, it went into foreclosure in late XXXX ( Wells Fargo was the new owner at that time ). Wells Fargo being the new owner and in XXXX, while Wachovia no longer existed Wells Fargo went ahead and foreclosed on my, XXXX XXXX # XXXX, XXXX, CA., home. 
I was under the impression that the transaction between Wachovia and Wells Fargo had made them one -- I could refer to the Wachovia foreclosure and there would be the new current owner responsiibility. However, it turned out to be like chasing a ghost -- Wachovia no longer existed therefore I had no recourse. 
I submitted claim to the National Foreclosure Settlement because Wells Fargo Morgage was part of the settlement but XXXX said I would not be eligible for compensation as they could not find that my foreclosure was recognized as part of the settlement. I decided to call XXXX in XXXX XXXX regarding the ineligibility and the representative said I have your foreclosure paperwork in front of me and it makes no reference to Wells Fargo Mortgage therefore making me ineligible for compensation. 
After that conversation with XXXX, I realized why effort to look into this foreclosure there was no response. I found it hard to believe that Wells Fargo could get away with an underhanded move and get away with it. I know that Mortgage companies can sell and banks and take over on their dealings however I think, in this case, it was deliberate to use Wachovia 's name in the foreclosure as opposed to using their own name -- in order to avoid responsibility. 
Since Wachovia, owner of my property, no longer existed at the time of foreclosure, is it an illegal foreclosure? 
Foreclosure came about after many attempts to work with Wachovia i.e., short sale, transfer of title, modification, etc. and after paying outrageous early payment fees when I had refinanced. The pick a payment plan that I had while I was with Wachovia was a set up for failure from the very beginning. I lost all of my down payment and years of trying to work out a good situation between me and Wachovia.
Consumer complaint received 2017-02-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: EZCORP, INC. (CO)

i received a call today for a payday loan that was not paid in XX/XX/2014 stating that if i did not pay the amount in full that a warrant would be issued for my arrest. these people were rude, offensive and very threatening. The name of the company was ezmoney payday loans. Better known as EZcorp. This outstanding debt is currently awaiting my bankruptcy to go through. I have also not heard from this company once. IT ALSO APPEARS THAT THIS COMPANY HAS BEEN SANCTIONED BY THE GOVERNMENT TO NOT COLLECT ON ANY PAST DUE LOANS