davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MD)

On XX/XX/2016, I initiated a money transfer to XXXX to a family member in the amount of {$1000.00} + {$5.00} money transfer fee. The money was withdrawn from my bank account XX/XX/2016 and I was told the money would be available for withdraw XX/XX/2016. I checked the account status on XX/XX/2016 to ensure the transaction completed as promised by Western Union, the online status stated in process or pending. I called Western Union and I was transferred to the fraud protection unit. I was told my transaction was denied for my protection and that the funds would be refunded. Apparently, the transaction was denied and a refund was initiated prior to my knowledge and I should have been reimbursed on the XXXX. With each phone call, I would get a promise to refund my money. Eventually, I was told there 's nothing they could do because it 's a computer glitch beyond their control. I was also told to stop calling and that they would contact me when the " computer glitch '' is resolved. I requested a paper check and I was told because it was an electronic transfer, they can not give me a check. A few weeks later, no call from Western Union. I then called customer services and I was told to submit my bank statements to ensure that the money was withdrawn and not refunded. If clear, I would receive my refund in 24 hours. I submitted the statements to the provided email and still no refund. The customer service reps were relentless in telling me what I wanted to hear. I was getting transferred to " supervisors '' and different department, all led to no one that could help me. It 's almost 6 months later and the issue is not resolved.
Consumer complaint received 2016-11-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: SERVICE 1ST MORTGAGE, INC. (TX)

Service 1st Mortgage XXXX XXXX XXXX XXXX ) sends deceptive advertising to its " customers '', most of whom are Veterans. As the Compliance Officer for Service First Mortgage ( XXXX XXXX ), I field calls from very angry customers who have been told to skip mortgage payments and now have late mortgage payments reflecting on their credit report. They leave numerous messages and never receive a call back. They are told they will close a certain day and then do not hear anything from the company until the day before. Sometimes not even then. Service 1st 's behavior is both unfair and deceptive and should be addressed by the CFPB.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: McCalla Raymer Leibert Pierce, LLC (IL)

On or about XXXX 2016 I received a letter in mail from a Mcalla Raymer Pierce, LLC XXXX Attorney for Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Ph. ( XXXX ) XXXX, Email : XXXXXXXXXXXX a debt collection attorney firm. As a consumer I believe i 'm a victim of identity theft.This debt collection company were contacting me to inform me they were suing me to foreclose on an alleged lien ( security interest ) that XXXX BANK claim to possess and now they are entitled to my personal housegoods where i dwell. That was the first i heard of this lawsuit, I have not received anything about a lawsuit from a court. I have looked it up online to find out if they were really are trying to sue and take our family goods away. Yes, there in the court records this debt ( data ) firm had filed a lawsuit, signed by a XXXX XXXX XXXX XXXX XXXX # XXXX. Again i have not given her consent to contact me re : any alleged debt ( data ) nor has she let me know she got permission from a court of competent jurisdiction. I do n't understand how a debt collection co. can represent a client are they an attorney firm or are they debt collectors. That appears like misrepresentation of who they are. I do n't owe any debt to them and i do n't know who they are I did not consent to them contacting me re : any debt ( data ) pursuant to FDCPA. XXXX XXXX XXXX XXXX # XXXX signed the letter that stated i had 30 days to dispute the validity of the debt ( data ) or they would assume it was valid. I disputed within the 30 days and requested lawful verification and validation of proof of claim with original or certified documentation. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2016 stating she received the dispute letter and she had not completed a review or all the research on the lawful demand to complete and send a response to the issues raised. XXXX XXXX stated i will receive a resonse in writing once they have completed all of their research of some alleged file to respond to the verification and validation.
Consumer complaint received 2016-10-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED MORTGAGE CORP (NY)

The United Mortgage Company contact me in XXXX 2016 and I was told by a gentleman by the name of XXXX that they can lower my mortgage payments by {$100.00} per month. At this time I owned my house for almost one year and thought I could use the extra money each month. The incentives were I would not have to pay the new mortgage for 2 months, lowered monthly payments and no closing costs except I would have to pay the loan officer, title company and other incidentals in the amount of {$2100.00}. The closing took place on XXXX XXXX and come to find out they neglected to pay my XXXX taxes for {$3800.00} which have accumulated to over {$4100.00} with late fees and finance charges. When I brought this to the attention of my loan officer XXXX XXXX XXXX he was looking into it but has n't gotten back to me even though I called everyday for a week. I believe they did the wrong thing by me and they need to pay the taxes that were due when they were my mortgage company.
Consumer complaint received 2016-11-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX of 2016, I filed for bankruptcy. While in bankruptcy, Capital one continued to charge interest on the loan, plus other trumped up charges like home inspection, attorney 's fees, and late payment fees. I would like the bank to remove all those charges and credit my account in accordance with the bankruptcy laws. 

Secondly, my record shows that I paid up to date with the bank prior to filing for bankruptcy. However, Capital One claims that they are not going to send me monthly billing statement on the basis that my account is not up to date. Whereas, the their last letter indicted that I owed {$1100.00}. That payment was made in full. and evidence herein attached. Therefore, if Capital One believes that I had a missing payment, they should indicate the month and amount they claim I owe till date. 

As proof, I have attached a letter in my complaint from Capital One, stating an amount to be paid in other to bring the account up to date and a certified check payment made by me to bring the account current. Therefore, I am clueless to why billing statements where still not sent monthly, and how i can owe ofter making such the payment asked.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc. (MA)

On XX/XX/year>, I wanted to withdraw XXXX XXXX XXXX XXXX exchange Binance. I saw that they do not allow withdrawals in USD, so I had to transfer to another XXXXXXXX XXXX which would allow that. I made the transfer from Binance to my other wallet, and was not informed of any fees to do so. To my shock and horror, Binance took a 57 % cut of the transfer made. As this fee was not mentioned, and is horrifically expensive, I do not believe that this could possibly be legal.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court in which they stated that they were not interested in home loans and should be between the lender and borrower. The court would become involved if mortgage increased. The modification was approved, but after making my first modified payment the modification was withdrawn due to no court approval. The attorney in my case verified the courts position.
Consumer complaint received 2016-10-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ZIONS BANCORPORATION (UT)

Zions Bank of Utah seized the money from my savings account for inactivity with no notice until after they took my money on XX/XX/XXXX. They say I 'll get it back, but still do n't have access to my money, XX/XX/XXXX statement said account was XXXX.
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received an income execution dated XXXX/XXXX/16, from XXXX and XXXX, which are the attorney 's for XXXX Receivables, however neither of these agencies have proviced me twith proof of this debt, or even who the original creditor is. 
I have requested documentation, as well as justification for the {$2000.00} in interest charges, which seems to be an exorbitant amount, on the original amount of {$2200.00} that they have indicated that I owe. This amount of interest charged, should be illegal and improper! 
I am working a full-time job, earning only {$12.00} per hour for a total gross of {$480.00} per week. At this time, I am paying {$200.00} per month due to this income execution. I am only bringing home {$320.00} per week or {$1200.00} per month ; which I use to support myself and my XXXX brother ; without assistance. It almost makes me think that being employed is pointless. 
I am already living below poverty level and these unfair debt collection practices and the debt collectors prey on people who they already know do not have the money or resources to challenge them. 
Any follow up or assistance that your agency can provide me with I this matter would be extremely helpful and greatly appreciated.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I applied for my free credit report on XXXX/XXXX/2016 from XXXX, XXXX, and TransUnion, but I only received a report from XXXX. I applied on line and have not yet received an XXXX or a TransUnion credit report
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.
Consumer complaint received 2016-11-08
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I was issued a refund for some gifts i recieved as a house warming gift on XXXX/XXXX/2016 onto my temporary american express serve card ending in XXXX the merchant released the funds two days later and XXXX has refused to realease the funds back to me it is now XXXX XXXX and i have yet to have access to my funds i was promised a resolution by XXXX XXXX th and still nothing! I would like to expell all my funds and close this account
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the fact that my situation does n't have a check box above to best describe my problem. I will have to explain it this way to you if you do n't mind. I have XXXX account on my TransUnion credit report that are outdated. They are seven years old and someone re-aged the debt as well That is against the Fair Credit Reporting Act you ca n't re-aged old debts. The accounts goes as followed : XXXX Account # XXXX this account was open XXXX This account was open in XXXX and re-open in the XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX If you look at the credit report open dates you see two dates one at the top and another one right under it.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OH)

OCWEN has repeatedly misallocated payments on Principal to other lines such as interest, escrow, taxes, mortgage insurance. This practice has happened as much as bimonthly since their acquired my mortgage. 
I mark all my payments to their designated line in the account. However ; t this practice of money mismanagement is always to OCWEN 's advantage by delaying my progress on my amortization schedule and thereby suppressing suppressing my progress on reducing the interest ratio on my loan. This hap happens so regularly that I am sure it is " ripping-off, '' a large number of their customers, making it a systemic business practice.
Consumer complaint received 2016-11-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I received a letter from Mitchell D. Bluhm & Associates, XXXX from XXXX, TX indicating of a debt of {$160.00}. I wrote a letter requesting proof of the debt they claim I owe. I received a response from Mitchell D. Bluhm & Assoc. Attached is a Statement of Account indicating I owe {$160.00} and a print out from XXXX XXXX XXXX XXXX Hospital indicating patient balance is XXXX. If I owe this amount I do n't mind being responsible for it, however, I need more proof than what they have provided. Based on what they provided it indicates I have a XXXX balance.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (FL)

Hello, Currently, Transworld Collections sent a notice of SSI offset to an old address, however they had my current address, as I have received the current invoices. Because of this, they were able to convince the DOE that I did not respond, therefore DOE allowed the offset. 
Previously, I hired a student loan specialist, XXXX from XXXX, in XX/XX/XXXX. We spoke with Transworld on many occasions, to no avail. Additionally, explaining that I would be retiring on XX/XX/XXXX. They were uncooperative and gave us the runaround ( the complexities of which I will not go into here ). 
According to the info I have read on the DOE website, these people are suppose to work with student loans for rehab purposes. They were already receiving XXXX {$400.00}. per month and to rehab they insisted on an additional XXXX This was not affordable. I am retired now and on Social Security of $ XXXX month. Nor was it in compliance with - " The law has always said that borrowers only have to pay reasonable and affordable amounts. '' IE : New Rules for Loan Rehab-XX/XX/XXXX. 
They would not budge. 
A real mess that could have been avoided if they had adhered to the laws enacted by DOE. Then we sent XXXX pages of past efforts to rectify the situation to the Ombudsman 's office of DOE. No conflict of interest there ... Transworld was hired by the DOE. 
Also, I explained the predicament to a representative of the DOE-Ombudsman office, XXXX, she told us to call Transworld and renegotiate? My student loan specialist and I had done so in preceding months which we explained in the cover letter to the Ombudsman 's office when we sent the pages. 
At this point, I am hoping that your office will negotiate a minimal payoff or to rectify their use of false pretense to offset {$150.00} from my SSI. According to Social Security, collections agencies are entitled to 15 % of any monies from SSI over {$750.00}. per month, which would be {$39.00}. not {$150.00}. 
Please help me, I am running out of options ... as all the lawyers I have contacted will not take the case, saying that it is a matter for a negotiator. If I had the money I would sue DOE and Transworld. 
I have been honest and cooperative in the face of their manipulations and high-handedness ; however it is obvious that a more legal stance is necessary. 
Thank you.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (PA)

A balance transfer was initiated with Barclaycard on XXXX/XXXX/XXXX based on a promotion they sent sent for 3.99 % promtional interest until XXXX XXXX. On XXXX/XXXX/XXXX they opened a case to reverse {$950.00} that was mailed via check to XXXX. On XXXX/XXXX/XXXX XXXX cashed that check. 
Attached is the check Barclaycard sent and my transaction statement showing that it was deposited into my XXXX account. On XXXX/XXXX/XXXX Barcaycard sent me letter that they closed this open case. But they have not " recovered the {$950.00} '' from XXXX. As of today XXXX/XXXX/XXXX the XXXX is still in in XXXX account. I need closure to this balance transfer reversal fiasco and need to know the date they will recover the {$950.00} from XXXX since they reversed the balance transfer ( and not with my permission in writing I 'll add ) Thank you XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''