davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (AL)

XXXX of XXXX I signed a promissory note for a student loan with Wells Fargo. The loan refinanced a student loan I took out to attend XXXX University. When the loan was made I elected online delivery preferences for statements and notices. I received notices each month as expected through XXXX. When I logged-in XXXX XXXX, I noticed that all billing statements were missing for XXXX XXXX - XXXX XXXX. I messaged Wells Fargo, spoke to a customer service representative and a supervisor in order to track down the missing statements. I was told that the statements were not generated and were not historically available. The lack of billing statements hinders my ability to keep track of my loan. I setup direct deposit and online statements so that my time would be freed up to do other things, like work to pay off the loan. Wells Fargo states that the billing statements were not generated because they received a returned piece of mail, but it 's not clear why that should impact online billing statements -- I have n't experienced this with any other lender. I elect online statements that reduce Wells Fargo 's printing and mailing costs, but they 're not holding up their side of the bargain by making all of my statements available online. Please help. Thank you.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NH)

Left XXXX XXXX to go to XXXX XXXX but made sure had XXXX balance before I transferred - knew there would be early termination fees. Contacted XXXX told them I was switching but when I got the ETF payment from XXXX XXXX would pay them to be in good standing. Switched and received bill from XXXX showing ETFS and outstanding amount - called and was told there was outstanding amount, we argued and I said I was told XXXX balance when I switched. Received ETF payment and contacted XXXX - spoke to billing/payment arrangements and told them I had the XXXX plus in ETF fees to pay but that I was not paying what they showed as outstanding because I was told I had XXXX balance. The person I spoke to said well if you can pay x amount you will have a XXXX balance and be in good standing. We set up weekly payments for XXXX weeks ( ca n't recall without looking at my bank statements ) and was told that this would clear any remaining balance and NOTHING WOULD BE REPORTED IN ANY WAY AS NEGATIVE, because I would be in good standing. I agreed to this and made all the payments required and the week of the last payment received a Debt Collection Letter - contacted XXXX and they kept putting me over to the in house debt collection - and this went on and on for a few days and they verified the payments but said they could n't undue what was submitted and it had to be XXXX to pull the account back. I filed a complaint with the FTC because they lied and reported it and now I have this negative on my credit report which I am trying to build up. Just this morning received another call from a company called Chase Receivables and I informed her that this is a XXXX debt and as such should not be on my credit report or for that matter being attempted to collect. XXXX is responsible for their employees actions and she messed up royally and now my credit has been negative impacted and I want it cleared up. This should be reflected as paid in full and removed from my report. I also feel they should give back the ETF fees of XXXX since that is highly criminal to charge that amount to leave a stupid phone company. I would not have paid the ETFs if I knew they would do this.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (FL)

I recently transferred a balance from a high rate card to a 20 month XXXX rate card. Negatively affected my credit score due to low limit on 0 % card, with balance : limit ratio & gt ; 30 %. Nowhere in disclosures is this deleterious credit impact mentioned. Just WRONG! Should be disclosed in information.
Consumer complaint received 2015-07-15
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (FL)

ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND. A REFUNDED CAN NOT BE RETURNED TO THE ACCOUNT BECAUSE THAT ACCOUNT HAS BEEN CLOSED AS A RESULT OF THIS MATTER. ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND THIS ALSO CAN NOT BE RETURNED TO MY NOW CLOSED CHECKING ACCOUNT AND WU HAS BEEN TOLD THIS OVER AND OVER. I RECIEVE NEW LIES FROM THEM DAILY ABOUT WHERE MY MONEY IS AND THE REFUSE TO FOLLOW THROUGH WITH THE TRANSFER OR HAVE MY FUNDS READY AT A LOCATION FOR PU IN CASH. I AM BEING EVICTED FROM MY HOME AS A RESULT, MY XXXX HEALTH AS WELL AS XXXX HEALTH HAS BEEN DRAMATICALLY EFFECTED ( I AM XXXX ) THERE SEEMS TO BE NO END IN SIGHT AND I AM NOW ON THE STREETS.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I am continuously getting phone calls from the company in question about, what i assume, is a debt for someone who is not me. I answered the phone and spoke with someone several months ago and let them know they had the incorrect phone number and asked that they not call this number again. They have continued to call weekly and sometimes daily. I have caller ID and do not answer the phone any longer. However, this is my work place phone and would appreciate if the calls would stop. This has been ongoing for at least 6 months, if not longer.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Pawn loan
Issue: Lender sold the property — 
Company: CASH AMERICA INTERNATIONAL, INC. (TN)

This formal complaint is due to a various trend of data breech issues that includes myself personally and other customers of Cash America. Cash America has failed to protect the privacy of their consumer 's personal data by neglecting to remove pertinent information from electronic devices in their care and by not doing so they have put me and the entire general public who conduct business with them at risk of identity theft and ongoing data breeches in more than several areas. This currently include but are not limited to SSN, birth-dates, personal emails, credit card information, computer login passwords, traceable cookies on all electronic, devices, banking information, direct access, to personal application such as XXXX and XXXX.
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD.
Consumer complaint received 2016-01-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Charged {$37.00} on XXXX & {$32.00} on XXXX. Total charge {$69.00}. Made XXXX Payment of {$69.00} on XXXX. Also made a XXXX Payment of {$1.00} on XXXX from XXXX XXXX Checking. XXXX XXXX, XXXX XXXX ONLINE PMT XXXX. On XXXX Bank of America made a Small Balance Adjustment of {$1.00} taking my + {$1.00} balance to $ XXXX. Contacted BA & on XXXX they made a Small Balance Adjustment & returned the {$1.00} stating it was a computer error which left me a + {$1.00} balance. On XXXX another Small Balance Adjustment was made & they took the + {$1.00} from my account leaving me again with a $ XXXX balance. Unable to obtain any answer from BA Customer Service Dept. as to why this keeping happening except that it is a computer error. Need to know when they are going to return the {$1.00} to my account and what steps they are taking so this will not happen again. Was told this has happened to other clients also.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp (MA)

I have had continual issues with a company called Lending Club Corporation. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. They had sent me an email stating I was denied credit on XXXX/XXXX/15. I received that notification on XXXX/XXXX/15. I looked up this company to see if they were legitimate, XXXX stated they were and supposedly they have a A plus rating with the XXXX. However when I wrote to them to tell them that I did n't apply for any loan they stated that if I felt like I was a victim of fraud then I needed to file with the FTC which I did, file a police report which I did and do an affidavit so they could share only with the police dept. When speaking with the attorney generals office, they said they can understand not speaking to me, but their stalling tactics with speaking with the police department raise a red flag. They were mailed an affidavit with all the info they required including my license and a utility bill. The were faxed the affidavit which they supposedly ca n't find and they were emailed the affidavit where I forwarded it from what the police dept sent me to their consumer advocacy group that required it. They continually get my affidavit yet they claim they do n't see it yet they did get the officers police report as they called him to tell him they ca n't discuss anything until they get the affidavit. I 've sent it 3 times to the address above attention fraud dept. they have it via email. All they do is stall and play games saying they do n't have it when there 's proof they do. They seemingly do n't want to speak to the officer either by using these stalling tactics. If they 're Legitimate and are n't phishing for info themselves then why are n't they sharing who applied for a loan in my name? Need help getting them to talk to the XXXX mass police officer that did the fraud report up. Thank you.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (CT)

Hello - XXXX XXXX ( the airline ) recently switched their credit card partner from XXXX XXXX to Barclays. I was a XXXX XXXX XXXX XXXX card holder for over 5 years, but I did not want to receive the new Barclay 's card. I called and emailed XXXX XXXX and Barclays requesting to Opt-Out of the new credit card. They informed that I would automatically receive a new Barclays XXXX XXXX credit card, and there is nothing I can do about it. 
I even cancelled my XXXX XXXX XXXX XXXX card upon receipt of this news, and I still ended up receiving a Barclays credit card in the mail today. I called Barclays requesting they cancel my new credit card this morning, and they informed me that I needed to call back on XXXX XXXX or later in order to cancel this new card because " my information was not in their system yet '', so I guess I will need to wait and call Barclays again. 

Overall, I think companies like XXXX XXXX who switch credit card providers should give customers the ability to Opt-Out of a credit card from a new credit card company. No one can force you to switch banks or life insurance companies, for example, so why could n't anyone Opt-Out of switching credit card companies? Without a doubt, XXXX XXXX handled this process the wrong way. 

I have some emails to XXXX XXXX if you 'd like to see my requests, which went without any assistance from XXXX XXXX or Barclays.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MO)

I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move, contacted my mom asking her to come up w/money or ill lose my home /contacted my X - mother law hitting her up for money. Now I been trying for loan mofication for a year greentree would deny mofication because they did n't reviewed required documents. I sent in what I was suppose to over and over again. I have contacted my state attorney general 3 times they are NO help!!! 
Greentree sold my home behind my back when they said I was finally approved for deferral, next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX, missing work XXXX ) from years of abuse from greentree.I have worked all my life, I had XXXX good jobs, but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication, now I owe them XXXX to stay in home. Can you please help? I have all documents from start to finish. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2016-01-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I filed a complaint with your agency with a reply that it is closed because of authorization reasons. XXXX I have submitted over and over again to Bayview information that I am the conservator for my dad. I have the legal papers that I have sent them. My attorney has sent information to them to show that I am the legal representation for my father. HE HAS BEEN declared incompetant two years ago. We have filed in court and had court papers served to this company to show that I AM the legal representative for my dad. This company has not asked for or responded in any way to me or to a court order. 
This has been going on for 6 months. I can fax anything that is needed to them if they would just contact me. I ask that this be reopened and sent back to the company. My dad is not able to answer any questions or sign anything on his own behalf. This is a way the company is just not doing anything to resolve this matter
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade a very 'discount ' ( emphasis added - you get what you pay for ) brokerage house and data sieve has provided me with some of my worst banking and employment stories. 

For starters, in XXXX, XXXX, and XXXX, Scottrade was victim of numerous repeated cyberattacks. The cyberattacks, which compromised Social Security numbers, security questions, bank details, and personal information was disclosed by Scottrade two years after it was internally reported as a problem. In fact, Scottrade only acknowledge the hack because the FBI make the hack public and Scottrade did not want to be seen as hiding information. 

In all regards, Scottrade was negligent in failing to exercise reasonable security precautions and failing to comply with industry standards for storing confidential and private personal information. 

Scottrade 's actions and/or omissions occurred despite prior warnings, including prior incursions of their network by third parties, who conducted fraudulent stock trades using Scottrade 's customers ' accounts, and even fines from government agencies concerning its system 's security procedures and oversight. - All of this and Scottrade still refused to fix their security systems. 

If Scottrade had heeded warnings and taken necessary precautions, it could have prevented the breach or at least predicted it much sooner and reduced the harm to its customers. 

If there is anything to take from this, it is that Scottrade 's operates a very " discount '' brokerage and omits basic tenants of good faith, cybersecurity, and basic customer service. In fact, in appears Scottrade 's only concern in this matter was how to bury the situation with the least amount of money burnt. And this goes to the heart of the issue. In XXXX and XXXX, when Scottrade was informed by employees and security experts of their cybersecurity failures, Socttrade chose not to fix those vulnerabilities and instead chose to pay large bonuses to its executive and managers. 

It truly is no wonder this business is continuing to see double digit percentage declines in customer satisfaction and retention.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CO)

I would like to file a complaint against Walmart I was issued a credit card with a {$500.00} limit and I had some financial issues and made a few late payments, and not the full amount, but always paid, then when I was all caught up and paying steadily on time they reduced my credit line without any notice at all so as I was paying down my balance they were taking it away which also affects my credit score when I called to ask about this with customer service they were very rude and basically said that what I get for paying late ... I would not only like to file a complaint but I 'd lilke my credit line to be returned to where it was when I started because i 'm still paying interest on the full credit line not my balance this is not right and Walmart should not be allowed to do this to people i 'm sure i 'm not the only one they have done this to ... 


Thank you
Consumer complaint received 2016-02-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MA)

My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to " some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a " different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation.
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. 

Now I am not able to get a new mortgage loan because of late payments on my record.
Consumer complaint received 2015-09-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A. (NC)

ON XXXX I WENT XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I have had my mortgage for12 years, and due to my job payment date always pay my mortgage on the XXXX of the month. A few months ago I was in a hurry and accidentally paid my mortgasge from a wrong account. There was insufficient funds, I realized the error when I noticed that the payment was not being withdrawn from my usual bank account. I initiated correction called US Bank and explained the problem. Since then reps call me on a monthly basis and harass me about the payment, even though my payments are always made within the grace period. Last month one rep called me and began asking probing questions as to whether I was living in my house or renting it. Itold them that was an irrelevant question, I felt that they were going too far, I asked them to not call me and harass me, but to check the records and note that I have always paid my mortgage. Also Us Bank told my spouse that if he brought cash in excess of XXXX to make the payment, that they would not accept it. When I went to make my payment in person the teller asked for my State Identification to pay the bill. I was shocked and told him that I had never heard of that he said that it wad a new regulation, I told him that I needed to see the regulationand I requwsted to speak with the manager
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (OR)

I used to go to XXXX XXXX, also known as XXXX XXXX. When I was there apparently I took out a genesis loan, and not until recently was I informed that it was not supposed to show up on my credit report. Well it does, I am a kid who is only XXXX and is trying to support a family, and this " ding '' on my credit report is really hurting my financial stability.
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I have discovered the enclosed Assignment of Mortgage executed and recorded/filed on XXXX XXXX, XXXX on this loan was robo-signed. 

No Assignment of Mortgage in this action exists that shows how and when the Federal Deposit Insurance Corporation ( FDIC ) became the Assignor/Old Lender on the subject loan and how it 's still acting on XXXX XXXX, XXXX as the receiver for Washington Mutual Bank, XXXX, which has been publicly out of business since XXXX XXXX, XXXX.