davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NJ)

Overnight on XX/XX/XXXX to XX/XX/XXXX, I received a direct deposit for {$2000.00}, together with a credit of {$220.00} and a manual cash deposit gave me a total of {$2300.00} in my account. {$24.00} was then spent leaving a balance of {$2000.00}. Overnight XX/XX/XXXX to XX/XX/XXXX, a check came through for {$2300.00} leaving a negative of {$24.00}. Before I could cover the deposit, the bank charged me {$34.00} overdraft fee even though I had time to cover this ( I still can. ) They refused to credit this back to me. The XXXX suggested that they backdated the check to collect the fee ( As per XXXX ) Please investigate and prosecute to the fullest extent of the law and have my {$34.00} credited back to my account. Thanks.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion Several times about accounts being reported that are not mine. They requested that I file a police report before they remove them, which was absurd. I have filed a police report with XXXX XXXX Sheriff 's Office, Case # XXXX on XX/XX/XXXX. 

I am requesting the XXXX account and the inquiries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX removed. I inquired from XXXX in the last year.
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

I made a mortgage payment to Rabobank for loan XXXX on XX/XX/2016 via postal mail but received notice from Rabobank on XX/XX/2016 ( dated XX/XX/2016 ) stating that the loan payment was past due. Upon researching the matter, Rabobank had not cashed the check ( number XXXX in the amount of {$1600.00} ). Therefore, I re-issued the check and walked payment into the nearest branch. I requested a late fee waiver and they refused the waiver saying that they had made no mistake. However, losing my check is a mistake and I should not owe a late fee for their mistake.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Home Mortgage just inform me in the last couple of weeks that I have been switched from a 30 year FIX rate to an adjustable interest rate on my primary mortgage. In the year XXXX when I was trying to get the financial support to obtain my property. I had a credit rating of XXXX ( Excellent ). Their were no reason for me not to able to get any institution to finance the home in XXXX Colorado. I chose to get help from the people who were in offices that were building the new homes at the time, and they started the process of getting Well Fargo Bank t involve in financing my home. I indicate at the time that I wanted a 30 year fix on my new home, and XXXX XXXX from XXXX XXXX Services indicate that Well Fargo would not do a 30 year on the secondary mortgage, but They would do a 30 year fix on the primary mortgage. Now 11 year later I receive a Letter from Well Fargo Home Mortgage indicate that my mortgage would increase in XXXX, because I sign a Document that indicated I would go from a 10 year fix to a Adjustable rate in XXXX of XXXX. I am just now paying only the principal after 10 years of paying both the principal and interest on my Home. I feel like both Well Fargo Bank, and XXXX XXXX XXXX have deceit me, because I was told by XXXX XXXX that the paper work that I was to sign in XXXX of XXXX would only include the secondary mortgage, as, adjustable and I could Fix that at in time, and I did fix the secondary in the year XXXX. Now too my surprise 11 years later. They inform me that their was a Fixed/Adjustable Rate Note among all the paper work that I put my init on ( GH ). that stated that I would converse from a Fix mortgage to a adjustable after 10 years. What reasonable person would do something this crazy. This is another sample of some of the bad practices that I have been reading, about Well Fargo Bank. Now I find out that Well Fargo Bank CEO has step down for some of the problems that they have created. I saw the congressional hearing on Television, and I understand WHY he had to step down. I am a customer that has lost faith in Well Fargo Home Mortgage, and Well Fargo Bank. Please help me to resolve this issue with Well Fargo Home Mortgage I have just turn XXXX XXXX XXXX, and I have begin to set myself up for retirement, but now this problem has stop some of my plans.
Consumer complaint received 2016-03-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (OH)

On XXXX XXXX, 2015 we opened an auto loan with GM FIANACIAL. For an additional cost we purchased Gap Insurance. On XXXX XXXX, 2015 the auto was involved in an accident which resulted in a to loss claim My auto insurance as well as GM were notified. In XXXX I started receiving collection calls and also a billing statement that stated I owed {$1000.00}. The statement also declared a remaining balance of {$5500.00}. When I called about the {$1000.00} GM stated that the ck they received from my car insurance was applied to the principal. Therefore since the loan was not completely paid off I owed {$1000.00} in late payments .XX/XX/XXXX Gap paid toward the loan the amount of XXXX. This resulted in the balance remaining. Spoke with Gap they said they came up with the figures based on the GM payment history .I then spoke with GM again and they said that until my account was paid in full and closed that I would continue to be charged monthly.On top of that they turned my husband and I into the credit bureau which made our scores go from fair to poor.We did n't even know this until we went to try and get a loan for another car.Furthermore they still had not correctly updated ourinformation on our cedit
Consumer complaint received 2016-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I have XXXX acess to my online account since XX/XX/2016. When you call their toll free number XXXX and XXXX it says that they are temporarily closed and they hang up on you. I do n't receive anything in the mail so I have no idea what I owe. I do n't want to send a paper check because at this point I do n't trust this company and they probably wo n't able the payment how I want it and plus how would I even know if I do n't have access to anything. I do n't understand how this is legal. For a credit card or mortgage they have to send you statements and give you access online but it seems like student loans are allowed to do whatever they want without any consequences. If this is not solved I am going to go to the media so they can see how great it is to get a student loan.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (NM)

Thank you for helping. I made multiple payments to my credit card intending to pay off the balance. When excess payments were made, Wells Fargo bank provided a refund but then added the refunded amount to my purchases ( in essence ) they gave me a cash advanced for the excess payment I had made. In addition, purchases that were cancelled were still allowed to go through by Wells Fargo and these cancelled purchases were paid. I met XXXX times with Wells Fargo and the problem was not resolved and they closed my case. In summary : payments not posted on time, excess payments not reimbursed, payment cycle continued to change to accumulate interest and web site was constantly change in-accurately inform of payment due date. Please help. Appreciate it.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

Good afternoon : Equifax erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
Consumer complaint received 2016-12-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (CA)

I have been receiving daily harassing phone calls from " XXXX XXXX '' and " XXXX XXXX '' who work for Premium Asset Services , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and given phone # ( XXXX ) XXXX. 

When I called to find out why and for what reason I was passed to " XXXX '' who claimed he is the " Director '' of the firm and that I borrowed money from someone who I didnt pay back yet he would not say who the money was owed to. I asked him to stop the calls and then he proceeded to tell me I was " a funny guy '' and asked " how was my girlfriend and my wife '' ( I have no wife ) suggesting he could hurt them in some way. I hung up on him.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NM)

This is a complaint about American Express customer service. I have several fraud disputes open with American Express. They all concern the same merchant, dating back to XX/XX/XXXX. On XX/XX/XXXX, I noticed a new charge from this merchant on my card after I specifically asked about blocking this merchant. I called AmEx the same day. The fraud department representative advised the merchant was not blocked until XX/XX/XXXX. I had spoken to someone at AmEx several days prior - on XX/XX/XXXX or XX/XX/XXXX - and was assured they would block the merchant. This did not happen until XX/XX/XXXX and subsequently, a new charge was made to my card. On XX/XX/XXXX, when I inquired about the status of my investigation from XX/XX/XXXX, the representative did not know what I was talking about and asked which charge I was referring to. Each time I speak to someone from the company, I have to continually start at the beginning and go over information that they already have in their account notes. The fact that the company does not keep track of fraud complaints, nor follows through on their actions ( i.e., blocking this merchant in question ) is unacceptable, and extremely unprofessional. Their representatives appear incompetent, and have no ability to give answers that are not already from a predetermined script. I asked to speak to a supervisor, and was again given the run around ; the supervisor seemed to not know that my account had been flagged for fraudulent activity, and made no attempt to ascertain the status of my account. After 25 minutes of this, I terminated the call. Additionally, even getting a fraud investigation open was a hassle. I spoke to general customer service representatives 3 different times before they finally referred me to a fraud specialist. The fact that it took three phone calls before anyone bothered to notify the fraud department is also unacceptable. And when I did speak to a fraud representative, I was informed their system did not have the same information as the customer service system, and I was made to detail my entire story again.
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (NC)

I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. 
I have had numerous conversations to solve the situation with no results.
Consumer complaint received 2016-03-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2016 went to XXXX store on XXXX XXXX XXXX, XXXX, TX XXXX their number is ( XXXX ) XXXX. I took my Serve card to withdraw money from the XXXX XXXX atm at XXXX. When I tried to withdraw the money and put in all my information, the atm did not dispense my the {$140.00}. So I called the number for the atm they told me to file a complaint and the money would be credited since i received no money from the atm. An employee at XXXX named XXXX informed the atm merchant that this was not the first time they had issues with the atm and they needed to get it fixed. So I called american express serve at XXXX. I spoke to a representative who i explained everything and was no help at all. She kept putting me on hold then transfers me to a supervisor. I explained to the supervisor what happened and i never received the money or receipt from the Atm yet the amount was deducted from my account also with a fee of {$2.00} for using a atm. I then received a email from american express on XXXX XXXX that it would take 10 business days for them to investigate. That they will send me another email within 10 business days with more information whether they be able to credit me. 
On XX/XX/2016 at XXXX I received a email requesting more information that they needed it with in 10 business days. At XXXX XXXX XX/XX/2016 i received a email saying they are not going to credit the amount I never received on XX/XX/2016 for XXXX plus the XXXX service charge fee.
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Madison Management Services, LLC (FL)

I was recently offered a loan modification by my second mortgage, Madison Management Services which threatened me with foreclosure last year. In order to avoid foreclosure, I was put into a forbearance agreement for a year starting XX/XX/2016. After fulfilling the agreement with a timely payment of {$300.00} per month, Madison asked me to keep paying the same amount without any modification in sight. I immediately replied asking them to reconsider their decision and offer me a more attainable and sensible loan. Now they came up with a very questionable loan modification where the original amount went from {$45000.00} to {$100000.00} due to some very questionable fees. So now I owe as much as my first mortgage. It does n't make any sense. What about all the payments I did submit? Do n't they count for something? My concern is the legality of those fees and the legality of Madison Management Services itself in collecting those payments. I ca n't afford paying XXXX mortgages as it is.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (ID)

My hole family is Fake and drug government workers my XXXX then XXXX XXXX XXXX timers a year XXXX XXXX shot Bipolar time XXXX worked XXXX Shot down WTC planes his Ex wife Husband XXXX work XXXX my Dad Installed Switches Nuclear Subs then ran XXXX foot computer screen of XXXX XXXX XXXX my XXXX XXXX Dad makes XXXX email Launch and XXXX Generator Blew up XXXX XXXX in XXXX same XXXX did XXXX XXXX XXXX XXXX, XXXX 's XXXX cleanup World Trade Center putting humane hearts in " XXXX '' XXXX Nuclear Reactors freezer Banks melt. 
I have only XXXX Cousins close XXXX my Age Berger-man, XXXX XXXX wife XXXX XXXX relative and her Mom serve my school lunches XXXX Employer build XXXX Nuclear Storage Facilities. 9 years I dated XXXX XXXX a XXXX XXXX XXXX XXXX Department worker at XXXX received XXXX XXXX XXXX handle Nuclear Weapons and XXXX ran Port Authority Building fore the XXXX XXXX after XXXX. XXXX relatives provide Missile Silo Steal Both Sides of family run XXXX XXXX XXXX. XXXX XXXX work XXXX XXXX lived across school and beat me up in Lunch room XXXX XXXX buy are Farm lots then XXXX work XXXX in XXXX many XXXX switches with XXXX Atom Building Half world wide reactors. My XXXX XXXX XXXX owned XXXX Dealer, XXXX across XXXX and XXXX XXXX his Brother Vice President Farmers Insurance across XXXX then sold Children 's Books, XXXX XXXX XXXX across Bank XXXX XXXX XXXX XXXX XXXX founded and Largest US XXXX Hanging Mom on XXXX Comity with XXXX is XXXX XXXX. My Relatives own Millions XXXX 's corn fields and Sleepy Eye Treaty Site gave Both sides of the XXXX Mississippi. XXXX XXXX XXXX of XXXX My other grandpa XXXX XXXX settle took Indians XXXX over a cooking Pot then Sold Farms during farm Crises and Worked fore XXXX founder of the XXXX XXXX and Veterans of Foreign Wars, XXXX XXXX XXXX XXXX were Social Security is now. 
I built US Bank, XXXX House elevators Restaurant tunnels XXXX kidnap people in My Brother XXXX wife XXXX work XXXX mechanical hearts XXXX XXXX XXXX Presidents Circle, In between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Software most Architects used from XXXX Avalanche Software there old building buy XXXX XXXX XXXX 's only XXXX rated XXXX hotel XXXX XXXX Main Speech XXXX XXXX ran Dissolution of XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Reports collection as being opened XXXX ( when they purchased the debt from previous collector ). Original date of delinquency with original creditor is XXXX. Debt has been sold/purchased by multiple collection agencies within the last 3 years. Have filed disputes will all XXXX credit bureaus. Have been denied for other credit accounts and mortgage because the date displayed does not reflect the true age of the debt and it appears I have a new delinquency when I do not.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date : XXXX XXXX, 2016 at XXXX XXXX PST To : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ; Cc : XXXXXXXXXXXX Subject : CANCELLATION OF TRIAL MODIFICATION Hi XXXX XXXX, This is my official notification that I DO NOT want to move forward with the trial modification that was discussed earlier today and not to process my 1st trial payment of {$1900.00} from my XXXX XXXX Account. 

Due to the trial modification being almost a {$1000.00} monthly increase it will not be affordable and I am looking elsewhere. Also, I was not aware of the balloon amortization that I have investigated more thoroughly. 

Thank you for your time and effort, but again I am declining your trial BALLOON AMORTIZATION TRIAL. 

Sincerely, XXXX XXXX XXXX XXXX Dear Bureau of Consumer Financial Protection, I sent the above listed letter of explanation declining my " Balloon Amortization Trial '' with Bayview Loan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ref Loan # XXXX, with the hopes of continuing to work with " Keep Your Home XXXX '' who was trying to submit my loan with payment. I received a phone call this morning that Bayview Loan Servicing has denied " Keep Your Home XXXX '' the ability to make a payment on my loan and take over my loan. As, explained in my aforementioned letter, Bayview Loan Servicing, will be furhter placing me into a Financial Hardship, while the " Keep Your Home XXXX '' program will help assist me in my situation. 

How can Bayview block a Governement Agency from helping and assisting me?
Consumer complaint received 2016-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (CA)

This claim is related to the complaint I filed against Wells Fargo XXXX. Instead of placing the loan in forbearance and removing all the negative damage they had done to my credit as requested they listed it as a charge off. Unbelievable. I think I will be closing the checking and savings accounts I have held there for the last 30 years. Really who needs a bank like that? XXXX too Wells Fargo.
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Management Partners, LLC (IN)

I checked my credit report on XXXX/XXXX/XXXX and noticed a debt collection agency was on there. I have NO clue what this is, so I contact XXXX. They tell me to contact the agency. I have NEVER been given written or verbal notice that I even owed this debt. XX/XX/XXXX, I made a trip to my local XXXX. and was issued a bill. I was given a verbal arrangement via phone with the billing department that I could make payments. I was issued a monthly bill and paid regularly until XXXX when I stopped receiving the monthly statements. I assumed the bill was paid in full at that time. I contacted XXXX Hospital billing department on XXXX/XXXX/XXXX, since that is where the debt originated. I was informed that the debt was taken over by a collection agency called XXXX in XXXX. I had absolutely NO notice that this was taking place! I only learned about it yesterday, because I checked my credit report. I have NEVER been contacted by IMC, nor was I given notice by XXXX Hospital that they were giving my debt to a collection agency. Again, I thought the bill had been paid in full because I stopped receiving anything from XXXX Hospital. How can this happen and be placed on someone 's report without their knowledge? I have lived at the same address since XX/XX/XXXX and have had the same phone # for just as long. There can not be an excuse of not being able to contact me! Furthermore, it has apparently been sitting there for 3 years now. How do I go about getting this resolved?
Consumer complaint received 2016-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

As of today XXXX XXXX, 2016, We have not received our monthly mortgage statement from Ocwen Loan Servicing LLC . It 's been 45 days since our last statement. Ocwen Loan Servicing is trying to make us default on the loan Also since we the request for account to be de-escrowed, we have not received a refund check. I want the funds be sent directly to us and not applied to the account.