davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MS)

On XXXX/XXXX/16, I purchased XXXX moneygram money orders from Walmart on XXXX XXXX in XXXX, XXXX for {$1000.00} each ( Money Order # 's : XXXX & XXXX ). After purchasing the money orders, I scanned both money orders to my XXXX XXXX XXXX account. I then tore the money orders up and discarded them at money services area at that Walmart ( A requirement that my bank XXXX requires ). In XXXX of this year ( 2016 ), XXXX pulled both of the {$1000.00} deposits for each money order from my account, stating that they had been contacted by MoneyGram stating that someone has deposited the physical money orders into an account at XXXX XXXX XXXX on XXXX/XXXX/16 and that MoneyGram would be pulling the funds from XXXX. I contacted XXXX XXXX XXXX and they informed me that a claim would have to be filed through MoneyGram to recover my funds. I contacted moneygram about this situation and on XXXX XXXX XXXX, I was contacted by XXXX XXXX XXXX of Monergram 's Resolution Assurance Dept ( XXXX ) who informed me that a credit had been issued by MoneyGram on XXXX/XXXX/16 for each money order and that my bank ( XXXX ) would need to contact the Federal Reserve and provide these reference numbers : XXXX - XXXX ref # XXXX on XXXX/XXXX/16 ; XXXX - XXXX ref # XXXX on XXXX/XXXX/16. XXXX contacted the Federal Reserve on XXXX XXXX XXXX and was informed that no funds were tied to these reference numbers and that the reference numbers provided were from the initial correspondence with XXXX XXXX XXXX and MoneyGram. This has been a very long and aggravating process that I would like to get resolved as soon as possible. I contacted XXXX and asked how could this happen when I endorsed each money order on the back by signing each of them with my name, and putting for deposit only, XXXX XXXX XXXX Bank ( see attached money orders that I had to pay moneygram {$24.00} each to get a copy of ). I also informed XXXX that I had never banked at XXXX XXXX XXXX, I knew no one that did and that this was a fraudulent case. MoneyGram provided a case number ( Case # : XXXX ) were they stated they opened up a claim of endorsement not as strong with XXXX XXXX XXXX ; a but to this date ( XXXX/XXXX/16 ), no resolution has occurred and I have not received my money back.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX BANK has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and XXXX and XXXX I also requested a copy of XXXX BANK 's Tax Registration Certificate, all of which XXXX XXXX BANK was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX XXXX and XXXX XXXX XXXX BANK failed to validate their claim. A copy of XXXX XXXX BANK 's response to my debt verification was previously mailed to Transunion, however, your agency continues to allow XXXX BANK to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit also.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AL)

I am filing this complaint because EXPERIAN has ingored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to ... promptly delete all information which can not be verified.that i have disputed.Please resolve this manner as soon as possible.Thank you.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America I am been a long customer with this bank. I had a wire transfer that I needed to stop. Wire transfer was done late in the day and was told that it will not transfer till next day. I called at night and was told that they are closed and open XXXX. No specific time zone. I called at XXXX PST time but the automated system keep saying that they open at XXXX. I woke up again ant XXXX and when connected, they said that it was transmitted already since they open at XXXX est. 
This bank is deceiving and prohibited me from connecting with the call center so that I could get help. 
Dishonest.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On numerous occasions I have sent Qualified Written Requests ( QWR ) to Select Portfolio Servicing ( SPS ) for them to prove they have written authorization via a valid Pooling and Service Agreement or via a Certified Assignment submitted to the XXXX County Recorder 's Office that they legally and lawfully were assigned as servicer to an alleged note attached to my property by investors of XXXX XXXX Mortgage-Backed Security. SPS was also required explain why they sent me two different Deeds of Trusts to the same property with one dated XXXX XXXX, 2004 that was obviously altered by someone and also contained forged signatures and initials.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (WI)

Keep getting calls. I called the number today because I know I do n't owe any money to anyone. I have had someone previously use my phone number and have had debt collection agencies calling my house looking for a person I do not know so I figured this XXXX was starting again. I have police reports filed with the XXXX department. I called the number. They will not give me any info. I have never received any bills in the mail so I know I owe no.money. I told them to stop calling me. They were very rude.
Consumer complaint received 2016-06-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This complaint is about being self sufficient. The only thing that we have ever requested form Select Portfolio Servicing Inc. hereafter referred to as SPS. From the beginning our position was to pay our taxes and insurance ourselves, by doing this we could pay their principal and interest ever month that they require, We fell by doing this we would pay SPS payment BY THE XXXX of Each Month. We would also have some money left over to get other things, such as XXXX, ( see XXXX ) to protect our investment. Whereas, then we could put some money on the principal to bring the loan amount down within a year considerably. 

d ) We also know our finances and when they come in doing the month. Therefore, we know how to schedule out those payments so that we would not ever fall behind on any of our Loans, Home and Car. We could even put a little something up to pay on our credit cards which would improve our credit score, thus improving us sell our house and move into our dream house, or we could get another Bank to take our loan with a lower interest rate. SPS want to take advantage of consumers. So we can see why people filed complaints against Select Portfolio Servicing Inc . The Company is trying to steal a property that was appraised at {$320.00} XXXX home for XXXX dollar investment as of XXXX 2016. We feel the second reason for this is that SPS knows when we receives our income and how we receive it because of our last modification when we had to show the income that which was coming in, therefore, this is why SPS put our payment plan to pay by the XXXX of the month, so they could always report to the credit reporting agencies that we are late on our monthly payments. Our We also know our finances and when they come in doing the month. Therefore, we know how to stretch out those payments so that we would not ever fall behind for them to every foreclose on our property ever again. XXXX knew they would taking half of our resource monthly by placing an escrow account on us. So we can see why people filed complaints against Select Portfolio Servicing Inc . 
1. See the XXXX Attached complaints XXXX XXXX XXXX pages XXXX. See the XXXX Attached complaints Why Wo n't the Government Help Against Select Portfolio Servicing Inc. Fraud. 3 pages XXXX. See the XXXX Attached consumer complaints and reviews about Select Portfolio Servicing Inc. XXXX pages We are asking The Department of Housing and Urban Development, Consumer Federal Protection Bureau, to investigated these allegations.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IL)

On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with Blatt, Hasenmiller, Leibsker and Moore, LLC about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.
Consumer complaint received 2016-07-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Massachusetts Educational Financing Authority (MA)

I am a co signer of a loan, for father of student borrower. The private loan company XXXX gives me little information to ensure loan is paid. A payment was posted but when the funds were checked and not available they only email the borrower or notify them of the non payment. I go on my merry way assuming the payment has been made on time until I get a collection call. I asked to get on the email list but they said no. I also get no access to borrower address to ensure it is correct. The system is rigged to only allow borrow know of bad info when that person is not responsible enough to take out a loan by themselves so why would the co borrower not have access to that info?
Consumer complaint received 2017-01-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (MO)

I purchased a vehicle from the XXXX drive time dealership and was cheated out of my money. I 've have had this vehicle for two years and was never provided a title. I have been basically bad mouth, insulted and mistreated by their customer relations department. I have now file a complaint with the state attorney general 's office as well as the department of motor vehicles and the XXXX and the CFPB. Your customer relations department never offered me an option and is now trying to settle under the table even though I 've requested an arbitrator to have this placed on record. After doing a vin check I found that the title has a lien against it. I have gotten multiple tickets and fines for failure to register the vehicle and was told by the state highway patrol to stop driving the car. Your dealership sold me a car even though my license was revoked and expired, took my down payment and had the XXXX fraudulently sign off on the deal. Drivetime never offered to put me in another vehicle, or fix the situation and in fact started to become rude as if I was bothering them. It was n't until I spoke with an Attorney, filed a claim with the state Attorney general 's office, the XXXX, CFPB and the department of motor vehicles thAt your customer relations department contacted me with a bogus offer. The offer was to return the vehicle and they will erase any dealings by removing the tradelines off my credit and any record of the sale. I asked about refunding my down payment and they basically started bad mouthing me as if I was ungrateful. Your company is trying to steal my money by taking the car back, erasing my good payment history, keeping my down payment and basically putting me on the street in a worst situation than I was in before dealing with them. I am asking you in good faith to refund my down payment and I will not pursue any other avenues. This has also been communicated to the local media as well.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

I have a loan out on a Car and also a Credit Card that I pay on time every month. I called the credit company and they said I have XXXX accounts and no credit history. Last year when I chacked my credit Score was at XXXX. XXXX are XXXX of the accounts I speak of.
Consumer complaint received 2017-01-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. ()

I have a Chase credit card. My son was an authorized user. On XXXX XXXX I phoned Chase and told the agent I do not want my son to be able to use the card any more. She removed him from the account and told me he would no longer be able to use the card. I asked the agent if he had a different card number than my card, and she said no, that his card and mine were both the same card number. She assured me that he would no longer be able to use the card, even tho we had the same card number. A few days later, he made a {$380.00} charge on the card. I called Chase, and they told me although he was no longer an authorized card holder, his card was still working and that I would have to pay or he could be charged with fraud. I explained it was not fraud, because I had not been able to call him to let him know he was no longer and authorized used, because he had no phone. I protested that it was a Chase agent error, the supervisor said they would review the phone call from XXXX XXXX.. On that day, they changed the card number so that my son can no longer use the card he had. This is what the first agent should have done, they said. 
On XXXX XXXX Chase called me - they had reviewed the phone call from XXXX XXXX, and admitted that I was wrongly told my son would not be able to use his card after he had been removed as an authorized user, and that I should have been told that the card number should have been changed. They would use this opportunity to coach and reprimand the agent, but I was still responsible for the charge. 

I do not feel I should have to pay the {$380.00} charge. The Chase agent made a mistake. The agent should have told me to cancel the card, but she did not and as a result, my son was able to keep using it.They say I have to pay. They want to call it a fraud, but it is not a fraud - my son did not know he had been removed as an authorized user. He had no phone at the time, and he lives in XXXX, while I am in XXXX XXXX, so I had no way of contacting him to let him know he had been removed as an authorized user. 

After many phone calls, they gave me an address and a fax number for their executive office. I will write a letter to them. Please advise what is my legal right in this matter. Who is liable for this {$380.00} charge??? 
Thanks
Consumer complaint received 2016-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (DC)

On XXXX I contacted FedLoan Servicing XXXX to request forbearance for payment of {$830.00} that was scheduled begin on XXXX XXXX, 2016. This request was scheduled to last from XXXX XXXX - XXXX XXXX, 2016. On XXXX XXXX, 2016 I contacted FedLoan Servicing after receiving a notice on my account that I was scheduled to owe a payment of {$830.00} on XXXX XXXX, 2016. After speaking with the servicing company, I was notified that my forbearance request had been backdated to approximately XXXX of 2016 despite the fact that I owed a balance of $ XXXX during the months of XXXX and XXXX 2016. I did not agree to have my forbearance request backdated and I was not informed at any time of these dates in my original request. This company also charged my account capitalized interest that was back dated for the months of XXXX and XXXX 2016.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XX/XX/XXXX XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX 3. XX/XX/XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXX 6. XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX XXXX 8. XX/XX/XXXX XXXX XXXX 9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXX XXXX XXXX 13. XX/XX/XXXX XXXX 14. XX/XX/XXXX XXXX 15. XX/XX/XXXX XXXX
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One closed my credit card account without my permission. I recieved a call today saying someone called previously and requested my account to be closed. I do not understand why my account would be closed without my permission and without contacting me. The lady I talked to said she was calling to clarify why it was closed and kept saying I requested it to be close. I told her that was not the case and that I did not request the account to be closed but she would not listen to what I was telling her and just kept repeating that I had requested the account be closed which of course I did not. I could not seem to get her to understand this and she eventually hung up on me. I have never seen customer service like this. I do not appreciate Capital One taking liberties with my card and closing it without my permission.
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: The CBE Group, Inc. (AZ)

I received a called from The CBE GROUP INC in XXXX XXXX regarding a Financial Aid from XXXX XXXX. I did not know I had a balance because the Money was free for the classes I took. But the school said i was not in the other classes so that is why they were asking for the balance money. When I spoke to THE CBE GROUP INC, they said if i paid in full, they will Delete it from my Credit History. I paid off the account in full in XXXX XXXX. That is still showing on my credit history. I asking THE CBE GROUP INC and XXXX XXXX to please delete the negative from my credit history.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (VA)

I settled a debt with BARCLAYS BANK DELAWARE thru their Collection Agent XXXX XXXX XXXX XXXX. My original debt was around {$2300.00} and we agreed to settle for the amount of {$930.00} three monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XX/XX/2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. As of XX/XX/2016 on a recent credit report pulled by XXXX, this is the information that states related to my account : " ACCT SUBMITTED TO COLLECTION ; CUSTOMER UNABLE TO LOCATE SUBJECT ; CHARGE OFF CHRG {$2300.00} ; CLOSED BY CREDITOR ; PAST DUE PAST {$740.00} ''
Consumer complaint received 2016-11-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Acceptance Solutions Group, INC (OH)

On XX/XX/2016 Ohio Acceptance LLC ( XXXX ) on behalf of XXXX XXXX XXXX attempted to debit my checking account in the amount of {$260.00} as a final payment to the loan and this amount is incorrect and my payday is on the XXXX and XXXX of each month as myself and the bank can not figure out why Ohio Acceptance was trying to pull money off of ( XXXX ) debit cards at the same time. In addition to I have made 6 payments out of the 9 scheduled and should only have a remaining balance of XXXX according to the payment schedule. I called Ohio Acceptance LLC today and the gentlemen that I was transferred to was rude and when I asked why after 6 payments did I still owe more than what I borrowed he answered '' lady did n't you read your contract ''. I proceeded to tell him that this amount was not right and they need to fix but he kept insisting that I read my contract which enraged me so I hung up. I went to the back and the bank has put a restriction on my account until this issue can be resolved. Ohio acceptance LLC has no means for a borrower to see an itemized detail of the charges and payments that would justify the remaining balance of {$260.00}. And why are they in my account on XX/XX/XXXX when I am paid on XX/XX/XXXX?
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been careful in ensuring that I do not incur Bank of America 's overdraft fees, even with my recent charges below {$25.00}, I immediately transferred fund to make sure I do not get hit with overdraft fees. Lo and behold, I get XXXX XXXX overdraft fees the next day because some charges hit my account right before I get a deposit. I see my bank account statement, and I do not see where my account went below XXXX. I called the bank, and told me to follow the Account History Balance, not the statement, the account history balance is in another screen that a regular consumer would not know about. It 's on a hidden link which gives consumers false balance with the statement that is currently on the screen. I have relied on that statement, and now I 'm being told to follow another screen in order for me to avoid getting overdraft fees. I was supposed to have XXXX for the week, good for groceries, and gas. Now I 'm left behind XXXX for the week! I have requested for a reverse on the overdraft and Bank of America will not give me the credit back. I have my statement to prove that I never went below XXXX. They took my money for no reason!