davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Other financial service — Money order
Issue: Excessive fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX XXXX, 2015 I purchased a Moneygram money order in the amount of {$250.00} [ Check No. XXXX ] for {$.00}. 

The Payee was not paid for failure to render Service ; therefore I ( " Purchaser '' ) requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 I purchased XXXX Moneygrams money orders in the amount of {$200.00} [ Check No. ( s ) [ XXXX and XXXX ] for {$1.00}. 

The Payee was not paid for failure to render Service : therefore Purchaser requested the funds be refunded back to Purchaser. 

On XXXX XXXX, 2015 Purchaser complete and filed a request for return of funds by mailing the " Claim-card '' as suggested on XXXX phone instructions and prompts. 

On XXXX XXXX, 2015 Moneygram returned Purchasers " Claim-card '' request for failure to sign signature card. On XXXX XXXX, 2015 XXXX signed XXXX claim-cards and re-mailed to Moneygram on the same day. 

On XXXX XXXX, 2015 Moneygram mailed a Money Order No. XXXX in the amount of {$230.00} for the purchased money order [ Check No. XXXX ] for {$250.00} ; Moneygram profited a Fee of {$15.00}. 

On XXXX XXXX, 2015 Purchaser attempted to cash the check at Wal-Mart, and was charged an additional undisclosed fee of {$3.00} for returning money from [ Check No. XXXX ]. Total fees {$19.00}. 

On XXXX XXXX, 2015 Purchaser has made several attempts to call Moneygram, making inquiry to XXXX unaccounted for money-orders. Purchaser spoke with a rep- who identified herself a " XXXX '' approx. XXXX XXXX PCT. Upon further inquiry, XXXX XXXX disconnected the phone. 

Purchaser returned call back to Moneygram at XXXX XXXX PCT, whereas she spoke with a rep- who identified himself as " XXXX ''. Purchaser requested to speak with a Manager ; however, XXXX proceed to ask multiple unrelated questions which were intrusive and evasive to the issue of missing money-orders. XXXX then place Purchaser on hold for XXXX minutes before disconnecting the line. 

Purchaser returned a third call at XXXX XXXX whereas a rep- identified herself as " XXXX '' who explained that, " Fees are charged for processing paper refunds with XXXX XXXX XXXX . '' Rep- stated, " Did you read your contract, where we charge to process your refund? " Purchaser has XXXX issues ; for XXXX Check Processing1. I paid for the paper Money-Order [ FEE XXXX XXXX cents ] 2. I must pay for a [ XXXX FEE {$15.00} ] to receive refund? 
3. I must pay a [ THIRD FEE ] to cash the Cashiers Check? 

MAJOR ISSUE1. Moneygram / XXXX have FAILED to return moneyRep ( s ) have made FALSE CLAIMS that my address was not in system. 

IMPOSSIBLE! First Check was mailed to P.O. Box which was provided in writing as RETURN MAIL ADDRESS. 

After reviewing the Online Complaints with this Company, there is an ongoing issue with the Accounting and Employees. " XXXX '' was arrogantly confident to tell Consumer/Purchaser, " Do what you have to do ... we only process the paper. " GREAT CUSTOMER SERVICE. I 'm out {$400.00} USD! REALLY?
Consumer complaint received 2016-02-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

I am third party authorized for my client XXXX XXXX XXXX XXXX who had his home equity stolen from him through deed fraud and my company through XXXX XXXX ( a ) have been able to revert the deed back in his name. I contacted the servicer that was assigned his defaulted mortgage ( Shellpoint Mortgage ) and they informed that they conducted a short sale on the property in XXXX XXXX for the sum of {$420000.00}. I told them that was impossible no transfer of title or satisfaction of mortgage was ever recorded with the State of NY. They even told me who purchased the property through a short sale with there company. ( XXXX XXXX XXXX ). There is some serious fraud indicated here. I called back a second time on XXXX/XXXX/XXXX and they were not willing to speak to me even though I was authorized to do so.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

i called and made a {$1600.00} payment on my best buy credit card and the representative misrepresented the terms of the payment. I told the rep i would be calling back to pay the account off in a few months the rep told me i should n't have a payment for a few months because i had paid such a large amount. The {$1600.00} dollar payment was made on XX/XX/2015, i called on XX/XX/XXXX to make a payment only to find out that my account was past due by almost XXXX days since the big payment was made in XX/XX/XXXX. This is a huge issue because I 'm in the process of buying a home and i am XXXX days out from closing on it the main reason why i paid such a large amount on the account is because it was suggested to help with my credit score now i have a 30 day passed due. I would not have ignored a XXXX $ bill after paying such a large amount. I have made several attempts to explain the situation and get it rectified through BestBuy the creditor with no progress made. This is costing me a great financial hardship I 'm in the process of loosing XXXX in ernest money and potentially the home purchase all together. Account number is as follows XXXX it is handled through a Citi Bank. What i would like is a deletion from my credit or removed all together if possible.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In checking my credit report, Capital One has not reported to XXXX since XX/XX/XXXX. This is effecting my livelihood as my family and I are trying to purchase our home. Due to building credit I am short XXXX credit point. My lender has stated that if capital one would update I would have the score I need to goto closing. I feel they are in violation of the fair credit reporting act and are not reporting monthly as they are required!
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (TX)

When I indicate a payment amount and date, the credit card verification page changes them. For example, just now I indicated I wanted to make a {$350.00} payment tomorrow from my personal bank account. The verification page showed a {$270.00} payment ( the minimum payment due ) scheduled from my business bank account. 

A few days ago I made a {$400.00} payment, indicating I wanted the payment date to be XXXX XXXX. The payment processed on XXXX XXXX, the actual due date of the payment, which I am sure incurred additional interest. 

This happens very frequently and I must be vigilant and correct the errors every time I make a payment. Last month I sent a comment to the credit card company and was told it was an error in their system that would be fixed. The next XXXX payments I made suffered the exact same problem. My comment sent earlier this month received a response that did not address the issue. I just sent another comment stating that I would take the issue to the next level, which is the CFPB.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I disputed a report to equifax that a major delinquency on a loan with XXXX XXXX XXXX that has been discharged in a chapter XXXX bk was reported on XX/XX/2009 after my XXXX 2009 discharge. They reported first major delinquency on XX/XX/2009 bankruptcy was discharged on XX/XX/2009. My understanding is : " What Can not Be Reported However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ). Equifax said it was reported correctly. It should NOT be reported at all. I have attached my XXXX 's 2009 statement of the payment being made even though it should not be reported as delinquent after chapter XXXX discharged. I attached the Equifax document of the response.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX/XXXX/2015 an application for loan modification was submitted to Wells Fargo for the Making Home Affordable Program. On XXXX/XXXX/2015 my attorneys office called for an update from Wells Fargo. They stated that they already had denied the application at that time, however the representative stated that he could see that it was denied for an invalid reason and so he was going to reset the review. The representative indicated that he could see that they were going to need a letter of explanation for the paystubs. This Letter was provided to the lender the next day. On XXXX/XXXX/2015 a call to the lender was made to see if any further documents were required. At that time a second representative stated that they could not advise us regarding the status of the application because the assigned representative was unavailable and because she could n't understand the notes. Another call was placed to the lender on XXXX/XXXX/2015 and the same information was provided. No update could be given and they could n't see if everything that was needed was submitted. When a manager was request, I was advised that the manager for the representative handling the file was not there and had not been there for the last 5 days. It looked like they had everything but the representative was unsure why the file had not been submitted to underwriting. Since the submission of the documents on XXXX/XXXX/2015 not XXXX letter has been sent stating any missing documentation was being requested. At this point it appears Wells Fargo has not followed the time guidelines prescribed by Regulation X. XXXX XXXX wants to save his home and would like a speedy conclusion for a proper Making Home Affordable Review.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Company : LoanCare Primary problem : the mortgage company failed to timely pay my property taxes ; I still do no know whether they have been paid ; the company has been unresponsive to my email and XXXX phone calls regarding the issue. 
Secondary problem : the company has incorrectly calculated my escrow amount ( by over {$300.00} per month ) ; again, the company has been unresponsive to my multiple inquiries on the issue ; based on a conversation I had with XXXX company representative, it appears the issue is a result of the company 's failure to calculate it based off the current tax assessment, and instead, the company just " guessed '' what the amount should be ; I need this issue timely addressed, as {$300.00} extra a month ( which is not actually necessary ) is not financially feasible for me.
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

I received a letter from them stating that a judgment has been entered against me XX/XX/XXXX for {$7000.00} from XXXX XXXX XXXX which was part of a settlement of bills that were paid from a car accident I sustained XX/XX/XXXX. The attorneys were XXXX. The letter said that failure to comply will result in my arrest and incarceration. I also had a levy placed on my checking account and {$2500.00} plus {$120.00} legal fees were deducted from it. the letter states that I owe {$7000.00}. My checking account is now in a negative status. I have never been contacted by this firm before nor was i ever given proper notice about this bill. I tried to contact them today over the phone and spoke to XXXX at XXXX who is a paralegal who was rude and gave me no information on my account. She tried to manipulate me and then told me to have an attorney contact them. I then emailed them at their website to find out what is going on and to have them immediately contact me about this. I am distraught and completely outraged that this bill XX/XX/XXXX that I had no knowledge of was filed without my knowledge and my money was stolen from my bank account. I am filing a complaint because I want my money back and I want this firm held accountable for their deceptive practices. I am currently dealing with XXXX and am devastated by this and I need to focus on getting better but can not because I have no bank account nor can I pay for my rent or food. Please help.lThanks.
Consumer complaint received 2015-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I had a bank account with wells fargo open from XX/XX/XXXX-XX/XX/XXXX. Wells fargo keeps changing their story for why my new account was closed. I called XXXX XXXX and he told me it was because i harassed their district manager XXXX XXXX, but he did n't explain how i harassed her and my new account was closed XXXX days after it was open, very suspiciously. XXXX XXXX then proceeded to tell me in the letter that i 'm not allowed in any wells fargo, he even made sure to mentioned to say that i was n't allowed in the XXXX XXXX location where i ran into XXXX at the front door but I did not bother her. Let me point this out i had no idea anything was wrong until i called to see how much money was in my account, on XX/XX/XXXX when i learned my account had been closed. I am being treated very unfairly here and for XXXX to assume i would be a problem to disrupt wells fargo daily business. It is XXXX who is disrupting everything. I was banking with wells fargo even before XXXX started working their, its not right that i get treated this way.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

1. USAA will not honor the loan rate offered to me telephonically. Mortgage rates and associated points were telephonically communicated to me and I made detailed notes of the call. I locked in the rate/point based on the telephonic quote. Written lock-in agreement listed different point level from the telephone quote and I made an immediate inquiry to USAA. USAA has delayed investigating my inquiry for XXXX days. USAA now asserts that the telephone call where prices/points were quoted to me was not recorded and, therefore, it will not honor what was quoted to me by phone. 

2. USAA has declined to honor the closing date listed in the purchase contract. I have made repeated requests to have the closing date corrected, with no success. 

3. USAA has taken advantage of the fact that I am single and a XXXX-time home buyer. When initiating the application process, USAA was made aware that a ) I am young and single ; b ) I have no realtor ; c ) I am a XXXX-time home buyer. When I received my application packet, I did not receive contact info for my loan processor ( I did n't even know I would have a loan processor assigned to me ). When I did receive contact info, I received only a first name and a telephone number ( no last name or email ). Phone calls were not answered, voicemails were not returned for at least XXXX hours. Loan processor did not alert me when documents were sent to me, and since I have not gone through this process I was not aware that documents would be sent by overnight courier to me that required immediate attention. As a result, the process has been unnecessarily delayed several times. 

4. USAA will not work with me to resolve my issues/concerns. I made repeated requests to resolve my concerns/issues about closing date and points/loan rate with USAA and USAA has declined to work with me. The representative I spoke to indicated that the closing date is inflexible and that USAA would not honor the rate quoted to me by phone since they did not record the call. Further, the USAA representative chastised me by asking why I had not taken it upon myself to ask the questions about rate changes/required forms/process. I replied that every USAA representative I spoke to understood that I was a first-time home buyer, so how would I know to ask those kinds of questions since everything was new to me?
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NY)

I had an account with Discover Financial Services ( owners of Discover Card ) and due to economic hardship, I transferred that account to a debt management company to assist me with controlled monthly payments. I was making continuous payments to this program until I got laid off from my job and found myself in dire straits. The debt management company did relay the news to Discover and without my knowledge ( they only notified the debt management company and did NOT send me a letter in writing as per the law ) they ended their participation in the program and sold my account to a debt collection agency. Under the Fair Debt Collection Practices Act, they have reported inaccurate information to the credit reporting agencies stating that I abandoned the account when I in fact did not and also did not send me a letter in writing notifying me that they sold my account to a third party collection agency. I have sent Discover XXXX letters via registered mail and also did contact the New York State Department of Consumer Protection, but did not receive a reply from Discover after both approaches. They have refuse to return my calls and letters regarding my account and I require urgent assistance before I take legal action against them.
Consumer complaint received 2016-02-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I have had my loan for almost 3 years now and never got a 30 day late credit reporting. In fact, prior to my loan being transferred from XXXX XXXX XXXX, I never made a late payment. Since Pennymac acquired my loan, I have not had my payments applied properly and on time. On XXXX XXXX, 2015, I made a payment for my loan account. I mailed a second payment days later. I received information today that my loan was 48 days past due which has never happened prior to Pennymac acquiring my account. Please note I did not receive any statements regarding my loan account until today. Today, I called to make a payment over the telephone. The representative indicated that my loan was late and past due 48 days and 30 day late was applied to my credit report. My credit is very good and I have never made a late mortgage, car, and or credit card payment. Most important, when my loan was service transferred I was informed by a PennyMac representative that negative reporting does not occur until a loan is 60 days past due. Which was not true and deceiving and violated RESPA, Reg X, ECOA, and UDAAP. I requested of the representatives to have the calls pulled regarding my account, and I disputed the negative credit reporting. The CFPB needs to investigate this company as their practices are violating RESPA, Reg X, ECOA, and UDAAP. Pennymac did not apply the payment I mailed in and their representatives gave me false information regarding my loan account. I am appauled that this company can get away with this. PLEASE HELP, MY CREDIT IS BEING RUINED. I am requesting that the 30 day late be removed from my credit report as I mailed that payment and was initially given inaccurate information from a PENNY MAC representative
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (WA)

There 's a chicken-and-egg problem with setting up long-term fraud alerts on my accounts. It is impossible to put a long-term fraud alert on an account without also supplying a law enforcement evidence of a problem. 

The problem is that there is n't a problem *yet*. There 's a poster on the door of my post office that says mail was stolen from there. There 's a notification from XXXX and XXXX XXXX and others that say that my information has been stolen. Yet that 's still not enough to lock down my credit accounts? I have to wait until my life has been wrecked to put some security around my credit accounts? 

That does n't seem right. 

I have to pay {$30.00} to the credit monitoring companies to freeze my accounts ... but the companies get hacked are n't selling security freezes ... they 're selling worthless credit monitoring services, instead. In **ANY** case, the credit reporting agencies are benefiting. 

This does n't seem right. 

Especially when, in the latest hack, it was the credit agency themselves that lost my data.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (TN)

Hello, I currently have two open accounts with the Department of Education showing up on my credit report. I have never received a student loan. I did qualify and receive a pel grant ( I believe is what it's called ) back in 2012 when I was at XXXX XXXX XXXX, however the accounts showing up on my credit report are showing as opened in XXXX have contacted the Dept of Edu and they are saying that the two accounts in question don't exist on their end. They have told me the only thing I can do is " file a complaint '' on StudentAid.Gov webiste, however I have tried many times, only for it to tell me they can't take my feedback due to " technical issues '' as soon as I hit submit, every single time. I have a case number with them ( XXXX # XXXX ) I am currently working on my credit and these are accounts that don't exist and are affecting my score. I am hoping to get these removed. Thank you so much.