davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (UT)

I sent money through XXXX which is linked to my debit card to a seller of a XXXX. I met this seller online through XXXX in a group normally used for buying/trading XXXX. I agreed to purchase a XXXX from a sellerlanc in the amount of {$160.00} total. I had a balance of about {$40.00} in my XXXX, which led me to pay {$120.00} from my bank. After waiting for a week and not receiving contact from the seller, I inquired to the group about the seller and if anyone else had issues with him. It turns out he was a scammer and other people had also been sold the same XXXX and not received anything and essentially, lost their money. I then turned to wells fargo to get them to request the money from XXXX and thus the sellers account. Twice I was denied their help after being told that I authorized the payment on my behalf. I explained that I did authorize the payment, but received no monetary value from the transaction, which would be covered in their ACH complaints form. I was no longer being contacted by wells fargo after being able to provide proof of the seller scamming myself and others.
Consumer complaint received 2016-05-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Hello, I made an agreement with Navient where I would make monthly payments of {$250.00} a month. I was told by Navient that my interest would be reduced to .001 % and no interest would be accrued on the account as long as I make my monthly payments on time. I have made my payments on time since XXXX 2015. I have bank statements and confirmations from Navient as proof. However, Navient is reporting to the Credit Bureaus that my account is delinquent and that I have not made any payments. This is not fair as I have worked very hard to uphold my part of the new payment terms.
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX is the original Creditors. For a credit card limit of {$400.00}. Dollars I left a balance of {$120.00}. In XXXX Midland Credit Management, is the Collection company..for XXXX, They called me XXXX XXXX, XXXX Told me I Owe {$12000.00} to XXXX. 
I Asked them to send me Proof of my debt, and signature, they told me they do n't do that, I must prove I do n't Owe this debt. I was told that a Judgment has been fild agents me. I had been served in XXXX! I 've never been service! or Ever Owed Anyone Such A Large Amount! 
In XXXX or XXXX I had a Cash Line of Credit of XXXX/dollars deposited in my account by XXXX. and a Limit of XXXX. I Only Used {$1600.00} dollars and Left owing {$1200.00}.! When They Went Bankrupt. Out of business, Know where to send payment to. Is the only reason for that last balance of {$1200.00}. The Only Other Debt I Had was a car loan.! That was Paid Off. I Never Owed {$12000.00}. To XXXX. 
And A Judgment.!?! I Need this Removed from my Credit File and What Judgment!!??!! They keep saying I 'm going to be served, or was Served, threatened to Trying to garnish my account, its a Federal government child subsided Adoption Refund, Go to my Employer, Possibly Arrest Me..Every time I clear my credit, these creditor 's start again ...!! Please help.!!! 

Before this Agency it was a {$16000.00}. Dollar debt!?! 
I also Never Owed in XXXX form XXXX collection agency. from XXXX, This is Fraud.!! The Same Debt I Do n't Owe only the Amount have Changed. 
XXXX I had Only XXXX {$10000.00} dollar Credit Limit Never Used The Money The Company Went In Bankruptcy.!! The Money Went Gone back to Them. I do n't Owe this And I Want All So called Judgments Removed as I Did n't Owe this Debt..!!! Fraud..
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc. (TX)

working with Caliber Home Loans was the most XXXX and horrendous process that I have ever dealt with for one of my clients. As a XXXX, we deal with many lenders on a weekly basis and I will NEVER recommend Caliber to another client. In fact, I will strongly discourage any client, friend or family member to do business with Caliber based on the service that was provided on this transaction. 
XXXX XXXX, who is the branch manager in the XXXX XXXX office, needs to be instructed on professional courtesy and also needs to better informed when pre-approving a buyer and misleading them with false information upon initial contact. He was very unprofessional not only with my client but also hung up on me and was extremely rude to me on several occasions. He and the others who worked on this file missed several deadlines and also encouraged my buyer to break rules on a HUD contact. They incorrectly scheduled the appraisal and then informed my client that he would be responsible for the additional fee for an appraiser to go out there and re-do the appraisal based on misinformation that was given by Caliber even though we gave very specific instructions that the home was being sold as-is. On top of the issues throughout the process, we got to the final week of close and my buyer was informed that they had incorrectly calculated his DTI in the beginning and that he actually was not approved for the loan. Nothing had changed in my buyers debt or income, only the calculations by the mortgage officer were incorrect. We were able to resolve the issue ; however, it still took Caliber a week to prepare the closing docs and we missed the HUD contract deadline due to this delay. Once finally done, the docs were sent with incorrect data TWICE and had to be corrected. After all of this, when the loan funded, the closing agent LIED to the title company about having processed the wires when in fact, they had not worked the file. In the end, Caliber scrambled to get the funding over prior to close on Friday and, in their haste, sent the funds to the wrong title company. We are still waiting for this issue to be resolved. The practices throughout the entire process were misleading, untrustworthy and the absolute worst service I have ever seen from any lender I have ever worked with. They caused much undue stress on my XXXX-year-old client, the title company and myself. 
I am happy to give more details on this situation if necessary. I would love to see some sort of compensation for my buyer although I am unsure what could be done to make up for the nightmare that he was put through during this transaction.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Briefly-2 issues 1 When we bought our house in XXXX Countrywide gave us a bait and switch that we fell for - they split the loan in two, the smaller portion was an interest only balloon loan- Bank of America took over our loan when Countrywde failed - this smaller portion of our mortgage has been coded by BoA as an equity loan - it was never an equity loan - but b/c of that designation as an equity loan they repeatedly rejected our eligibility for a modification - even though we were approved for a mod for the bigger loan following the great recession of XXXX when we lost our jobs XXXX It took BoA 5 and a half years to conclude that the only solution they will offer us is a capitalization program at 10 % which includes all back interest and fees that built up while our application was being delayed. Delayed for months and now years due to their negligence. For example, we received documents from BoA with erroneous information that must have been from someone else 's account. 

Since this 2nd mortgage was purchased at the same time as the 1st mortgage we desire that it be modified exactly the same as the 1st. We requested this at the very beginning but they told us to wait
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2017-03-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2017 I went to Bank of America to make a deposit into my savings I put in my ATM card press my pin the ATM slot open and I inserted XXXX inXXXX dollars bills the ATM accepted some of my cash and push out some bills it did n't accept I inserted some different bills to add into ATM.the atm began to malfunction the ATM push my card out with no receipt of proof of deposit and went blank.i called the number on the ATM and a claim rep ask me what happened and for the number I 'd of the ATM while I was on the phone with the claim rep I told her I was gon na check my account on the second ATM to see if my transactions was success upon checking the transaction did not go threw.while I was on the phone with the rep I wanted to deposit money into my checking account so I told rep I was gon na deposit {$600.00} into my checking and ask her to monitor transactions from her side in case I have trouble with the second ATM the deposit went threw successful i wanted to leave evidence in the bank and completing my transaction in the bank while claim rep on the phone.when claim rep told me they will have some one there between 24 to 48 hours to check ATM and I was gon na get a temporary credit into my savings account.i left the bank that night and return the next day and spoke with the bank manager she told me give it some time and to follow up with her if i did n't hear anything by Wednesday I waited to Saturday XX/XX/XXXX I spoke with the same manager XXXX and I told her is been a week and I have n't heard anything she said that good news I told her I was n't satisfied with a temporary credit I wanted my deposit found and a final resolution then on XX/XX/2017 Bank of America denied my claim.there reason was no ATM deposit overage was reported I requested for a more thorough investigation to check both ATM and video footage and check ATM history of my deposit into my savings account there should have been some evidence from machine or video the bank escalated my claim and this time within 3 days they comeback with same decision when I ask for a more thorough investigation it took a shorter time than the initial investigation please look into this matter for me and let me know what i can do next
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (TX)

Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Submitted to trans union on line and in writing on more than one occasion that my credit was pulled in error on XXXX/XXXX/XXXX by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manage at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus when this began last year. Each told him I would have to dispute with them. I did, I was told on each occasion that I would need to contact the companies directly. If trans union had contacted XXXX XXXX, he would have verified this was indeed done in error and they could have removed the items. They failed to do this. I checked failed to get proper notice since none of the options were exactly what happened. They failed to investigate at all.
Consumer complaint received 2016-05-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Machol & Johannes, LLC (UT)

Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank, XXXX ". I received your notice via my land lord __________, the notice was not in a seal envelope, and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) " Illegally inform a third party about your alleged debt '' Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included, but if day XXXX is a holiday or weekend then the response will be due the following weekday.
Consumer complaint received 2016-09-26
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MA)

I have provide documents and links explaining the Wells Fargo Foreclosure Fraud Scam along with their latest criminal scam in which they robbed, stole, and created XXXX accounts. If you would like copies of the entire packet of paperwork from the 2010 closing, I will send them via XXXX mail. Otherwise, you can just continue to believe every " TADA '' document sent via Wells Fraudo
Consumer complaint received 2016-06-10
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I submitted documentation to the short sale Deed in lieu ( DIL ) specialist/ Veteran Affairs deed in lieu point of contact appointed by Bank of America ( BOA ) in XXXX 2011. I subsequently received and submitted notarized paperwork from the BOA attorneys working to complete the DIL. The expectation was that I would receive a final no further contact in form of letter when process completed, however I would receive 1 ) a release of the title ; 2 ) cancellation of the mortgage ; 3 ) record release of the mortgage ; 4 ) report cancellation of mortgage to credit reporting agencies as deed in lieu of foreclosure ; 5 ) report cancellation of debt to IRS ; 6 ) and final settlement paperwork upon request. I only received the XXXX IRS tax documentation with regard to the DIL. I did not receive my receive any of the other agreed upon items and when I requested the final settlement paperwork the attorney denied I had completed a DIL. Subsequently, I had the loan sold to another bank and the property was foreclosed after repeated attempts to complete DIL 's.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) state in a letter to me that they would " verify the charges I was disputing and select a final course of action. '' At that time, my balance owing was {$270.00}, with the " amount due balance of {$170.00}. '' XXXX XXXX had taken over as XXXX 's credit card provider, from XXXX on Acct. XXXX. On their XX/XX/XXXX to XX/XX/XXXX statement, I owed {$140.00}. XXXX did not inform me in writing that they were taking over servicing all XXXX accounts and I immediately cancelled my XXXX XXXX card! XXXX XXXX never showed this account as cancelled, continued to charge monthly interest on it, despite my numerous attempts to contact them, both in writing and by phone, until my fake " balance was {$350.00} and had been sold to a company called LVNV Funding of Nevada, whose lies claim I began this account on XXXX XXXX, XXXX. This account has remained on my credit report with the XXXX preposterously unregulated " Reporting Agencies '' to this day, forcing me to miss receiving a loan from XXXX XXXX, a company with whom I had an exceptional relationship, but due to this one payment I do not owe to LVNV Funding, I was forced to get my auto loan at a much higher rate than the " XXXX '' rate XXXX XXXX offered and have been denied credit numerous times since. I am currently XXXX years old, collect Social Security of $ XXXX/month and can ill afford to pay more for basics such as decent transportation AND my good name restored, without relying on expensive Credit Consulting Services. 

Please insist that these lying creeps at LVNV Funding ( who also launched a daily collection call campaign against me in XX/XX/XXXX, close this account, as requested in XX/XX/XXXX, before it was " sold '' to phantom collection agencies and took on a new life, all derogatory to me. 

Only your organization can help, since this company is expert at contorting the truth, fears no legal measures to cease and desist their fraud and can only ( finally ) be muzzled by you! 

Thank you.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I 've just learned that when a person uses Capital One online Billpay they are at risk of having their money stolen by Capital One. Here 's how : When you approve an online bill payment the amount is debited from your account the moment you click " send ''. Then a check is sent to the payee. However, if 90 days pass and that check has not been cashed or deposited Capital One never returns the money to the customer / PAYER 's account and never notifies the customer. They just keep the amount of the transaction. Forever. 

I 've just had this confirmed by a manager at Capital One. When I pressed him on Capital One therefore basically getting to keep my money he said " no its in limbo '' but that is not true. The amount still remains on Capital One 's books as an asset because the money has never been transfered to another financial institution as would happen when the check was deposited or cashed and the cashing or depositing institution requests the funds from Capital One. Not only is this practice fraudulent but when questioned on it Capital One counted on my ignorance of how banking works to lie to me about how they benefit from the policy. 

In addition, while Capital One will never return your undistributed funds, the PAYEE only has 90 days to cash or deposit the check. You would think that after that same 90 days the funds would go back to the Customer / PAYER, but this is not the case. 

Therefore, in essence, every time you send out a check with Capital One 's online billpay, an invisible 90 day timer starts, and when it 's up the PAYEE ca n't collect, the PAYER is never notified, and Capital One gets to keep the customer 's funds. 

I have been informed by Capital One 's representatives that if you call and ask them to give the money back, they will, after charging you a fee. But If the PAYEE never informs you that they either did n't receive or deposit/cash the check Capital One never informs you, so you do n't even know to call and ask for your money back. Then they get to keep it. I 'm sure the combination of this policy, the lack of any notification from Capital One, and how they benefit is just a coincidence. 

The basic form of this situation is : 1. I ask Capital One to perform a financial transaction for me ( Bill Pay ) 2. Capital one debits the amount of the transaction from my account. 
3. The financial transaction does not complete within 90 days ( The Payee never receives or claims the funds ) 4. Capital one never notifies the customer that the transaction did not complete and never returns the funds. 

How can this policy and order of events, confirmed by Capital One, be described as anything other than fraud?
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

After applying for seeking help from another bank where I found out after the fact that I needed to refinance a balloon payment that back denied me and I 'm still not sure why but I moved forward and applied for and FHA at another bank being it was where my mortgage is held. ( both ) Realizing the time restraints I was under I informed this bank that I only had until the XXXX of XXXX. 
I came to with a co borrower because I knew that my income would be a challenge. After looking everything over the banker thought it was a real chance that everything would work out. Now 2mons later after moving into the underwriter phase the loan was denied, We were devastated we were also lied to told the reason was because the borrower lived out of town. We knew that was not true after going online to the FHA website guidelines. 
Please note my co borrower as myself did not every receive a denial letter in the mail. I went on XXXX and had the branch manager email me the reason for the denial which had nothing to do with the co borrow living out of state. It was because you can only have one FHA on the books at one time. They should have known both mortgages are at the same bank. ( 2months wasted ) Now my credit rating is starting to take a hit. )
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a cardholder for 16 years. The initial terms included a XXXX/mo membership fee. Over the years, I have asked if they can remove the fee. They have said not at this time, we have no offers for you. Keep checking. Today, XXXX/XXXX/16 I got a supervisor who said the same thing. I asked since I 've been a long standing customer if she can change the terms. No, there would have to be an option to upgrade on my account. I asked her to check the file if there have ever been opportunities that I missed. She said no there have n't been. I said then I should just close the account. She said check with a financial person on how closing a long term account will affect my credit rating. So, now I am held hostage to this account. Over the years, it 's been {$960.00} in fees. If I close it, it will lower my credit score. It 's not right. The supervisor said there is no one above her who can make an accommodation. Only option is to write a letter through the post to the general correspondence department and ask them to change my terms. No phone number, no name. The terms were agreed to when I opened the account 16 years ago and they can not make a change. I would close the account, except that I know it will affect my excellent credit rating. Please help!